davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

MM Svgs acct ending in XXXX was opened XX/XX/2021 per the bank 's promo code XXXX, which required depositing {$10000.00} into the account and maintaining that balance for 60 days, after which a {$100.00} promo bonus would be deposited to the account. Initial {$2500.00} deposit made on XX/XX/XXXX. Cust Svc Rep supervisor XXXX said on XX/XX/XXXX ok to make balance of deposit within a month. I made {$7500.00} deposit on XX/XX/XXXX and maintained the {$10000.00} balance till XX/XX/XXXX. I sent a Secure Msg using People 's United Bank online system on XX/XX/XXXX asking when {$100.00} promo would be paid to my acct. Received response next day that Cust Svc Rep would contact me. On XX/XX/XXXX CSR XXXX told me promo would not be paid because {$10000.00} deposit was made in two parts. I stated that requirement was no where in the promo Terms and Conditions and requested {$100.00} promo be deposited to my account. No action was done by the bank to meet this request.
Consumer complaint received 2021-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Hi. 

COINBASE have been closing every single case that I made to fix the issue that I have with them : Case # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX. Thirteen single cases that they have ignored. All starts ends of XXXX, at the same time I made my first buy. I had been user since 2018, buy now is when comes the problems, with my first buy. 
I know they " hear my frustration and this is not the most ideal experience '', but it can not be possible that this problem be so difficult. Only verify my ID. They already have it! 

They tell me I should not submit multiple support requests, but I do, because they CLOSE every single case. So, that's why I open a new one every single time, because I see my case closed, and my account is still blocked. 

I only want to operate with my account like always did. My ID is fine, every document have been updated in your platform.
Consumer complaint received 2021-07-13
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: Experian Information Solutions Inc. (NV)

i sent in a letter from the united states bankruptcy court stating the bankruptcy court does not perform any activites with the credit bureaus .i would like it remove off my credit report.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One account XXXX was opened on XX/XX/2021 and report to the credit bureau approximately XX/XX/2021. When i received the alert I immediately disputed with the Credit Bureau as I did not authorize or open this account. 
I contacted Capital One Fraud Dept on XX/XX/XXXX or XXXX to inform them the card was opened and did not belong to me. The supervisor I spoke with was able to locate the account and confirmed the Social Security number and Telephone number was not a match, She updated the account as fraud and stated they would start an investigation. 

On XX/XX/XXXX I received an updated from Transunion stating the account is verified and accurate. I contacted Capital one back to find out the results of the investigation, XXXX, The fraud account manager Employee ID XXXX, informed me the account was mark as Fraud, along with the transactions. XXXX stated according to the notes the Credit Bureau Disputes team updated the report from XXXX  as accurate because the address match. 
XXXX also stated their are several items that are disprenceny such as, Social Security XXXXumber on Application. but the CBD team indicates because the address is a match this is valid. 
I did not open this account, I have several other accounts with Capital One however this account does not belong to me and I feel this company has violated the FCRA in its entirety. 
They have not removed the account from my credit report although they are some discrepancies in the information provided. If my social security number is not a match the account should NOT be reported as accurate and/or valid. 
Im unable to solve this with the company directly therefore I'm filing this compliant for assistance.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I have an existing mortgage on a 2nd home in XXXX.thru XXXX XXXX. I am XXXX years old and have a credit score in the very high 700 's or low 800 's depending on the XXXX. I had no issues with qualifying and the refi required NO Appraisal or cash out of my pocket. Simply reducing the term and getting a better rate. 

The problems started when the company / XXXX XXXX started saying the property had Liens on it, speciffically a line FOR my Primary home ( which was purchased years before this home ) and a Lien for a HVAC system that was installed on my primary home in PA. 

After several weeks of back and forth including the submission of a XXXX document from the HVAC company stating o only is there no lien on the XXXX  home there in no lien on the XXXX  home as they are not capable of such an encumbrance, is is a personal loan. I also submitted a copy from the XXXX Recorders office as well as a private online title search that did not show any liens. Lastly I reached out to the Title Company who handled the closing on the XXXX  property and they confirmed there is but one record for the original mortgage from 2018.

Still the insisted I must pay off or subvert these liens to move forward. 

I feel they were purposely discouraging me from moving forward with the loan because of my age. I withdrew my application ( which they did with great speed ) as I do not feel they were honest and I foresaw grave issues if I moved forward with them. No one can be that incompetent incompetent and still be in business I have purchased 7 different homes in my life and never experienced any issues. 
I am currently pursuing a refinance with another company.
Consumer complaint received 2021-04-28
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: EQUIFAX, INC. (FL)

Hi, I am a bit concerned about account I have in my credit report. The point is that this account is not mine and I do not recognize this transactions and only two bureaus reporting this error. I am kindly asking you to remove it once and forever. Thank you in advance
Consumer complaint received 2020-05-04
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$120.00}
Consumer complaint received 2024-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kovo (PA)

I am writing to formally file a complaint against a debt collector regarding a closed installment account with an outstanding balance of {$200.00} and a limit of {$0.00}. I assert that this debt collector engaged in abusive and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692, which protects consumers from misleading and unfair practices. 

I want to emphasize that I did not participate in any legal contract related to this account. Furthermore, the debt collector failed to adhere to the proper five-step validation procedure mandated by the FDCPA, rendering their actions not only unfair but also illegal. As a consumer, I am entitled to protection under the law, and the failure to follow these procedures constitutes a violation of my rights. 

According to the FDCPA, I am entitled to damages of up to {$1000.00} per violation, and I believe that this debt collector 's failure to validate the debt appropriately warrants such compensation. 

I request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that my rights are upheld. I also ask that the closed installment account be deleted from my credit report due to the violations described above. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I discovered unauthorized transactions posted to my PayPal account on the morning of XX/XX/2021. There were two ( 2 ) transactions, one in the amount of {$100.00}, and a second in the amount of {$700.00}, made to the same party. These were in the form of a direct ACH transfer from the checking account connected to my PayPal account. I promptly reported these unauthorized transactions to PayPal using their reporting mechanism on the same day. PayPal replied within a few hours with a message stating : " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. '' I immediately followed up by replying to the email address specified for submitting appeals, and have not received a response. I would also like to note that PayPal always sends a confirmation email after each transaction. I received no such emails for these transactions. I also have multi-factor authentication enabled for my account and use best practices for passwords. These facts lead me to believe that this fraud occurred from WITHIN PayPal.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (IL)

I went to BB & t at XXXX XXXX XXXX XXXX Washington DC XXXX. I went to pick up a new temporary debit card Cause the permanent card was ordered but never sent to me. At the tellers window a bank employee by the name of XXXX refused to issue me a new temp card even after the bank issued me 10 without any complaint or issues about it. The temp cards expire so you are forced to renew them as well. I called customer service while there and it was discovered that the bank I went to listed above refused to reissue the card after cutting the old one in half making it impossible for me to access my account for no reason. Customer service said they blocked my account at the branch only and that it was not BB & t but only an employee at this branch that refused to remove the block for no reason. They refused to let me then withdraw money for no reason and had security pull me out of their branch when I asked them to work with customer service by phone. Im submitting a complaint to have this branch to unlock my account please have executives assist me.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by XXXX XXXX XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX never gave XXXX, XXXX  AND XXXX_any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (FL)

I never received any kind of notice from the original company, XXXX, that i owed a whopping XXXX until i tried to refinance and was notified i owed this amount and it was damaging my credit, i paid this amount on XX/XX/XXXX, i also sent Waypoint collections a letter at XXXX asking to receive a letter stating i paid in full and currently have a XXXX   balance to send to my mortgage broker who is refinancing my home, needless to say they never sent me any letter to date. I Called today and was told they will request a letter again from a 3rd party and it will take 2-3 days yet again. I asked to speak to a manager and was told " XXXX XXXX '' was the manager who requested the letter today. XX/XX/2020 will get back to me within 24-72 hrs. Since my original email asking them what they told me to send was on XX/XX/XXXX, i should have received this letter 3 days later on the XXXX. We are currently at XX/XX/XXXX. Don't know why they are allowed to treat people this way.
Consumer complaint received 2020-05-04
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: Experian Information Solutions Inc. (AL)

XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account had previously been deleted from my credit report because it was reporting in error. Moving forward to present day, apparently this account has since been re-aged and sold to ANOTHER collection agency. This is a violation of the Fair Credit Reporting Act. I have long since closed this account and during that period of time I made arrangements for the company to pick-up their equipment following the guidelines outlined by the company to return equipment. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

For the past two to three weeks I contacted my mortgage company PHH mortgage regarding forbearance due to financial hardship related to COVID-19. I have requested a forbearance under the Chapter 65 of the Acts of 2020, An Act Providing for a Moratorium on Evictions and Foreclosures Act. I spoke to over 14 different agents, and every agent was unable to assist. Each agent told me that they were only offering a forbearance that i would need to pay back in three months. I requested for the payments do go to the end of the loan agreement as stated in the Chapter 65 law. Every agents stated that they knew nothing about this law and could not help me, then directed me to speak to another person, then that agent directs me to another person, and for the past 2-3 weeks there has been no resolution. Not one agent looked into the chapter 65 law or helped to resolve this problem. Every agent told me that I can have a forbearance, but will need to pay the total back in 3 months. I explained during every call that the law that was passed two weeks ago states that I have the right to a forbearance due to financial hardship because of the coronavirus pandemic. This law also states that any amount owed at the end of the forbearance will be added to the end of the loan term. I would like assistance and review if this law. 

The PHH mortgage website does not reflect any new rules. They tell me they do not know anything about what was passed, and they can only approve forbearance with paying it back three months. I do not what else to do.
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I was made aware recently of my information was a part of the XXXX XXXX XXXX and since then I have had over 10 Fraudulent accounts appear on my credit report. I have 3 reports still showing on my credit report dispute my attempts to dispute the items myself. The following derogatory account was not opened by me and is reporting inaccurate information on my credit report. This account is having a significant impact on my financial wellbeing and should be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-14
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: Experian Information Solutions Inc. (AE)

I have not received any response from these accounts I submitted for disputes : XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already.
Consumer complaint received 2022-02-24
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. (OK)

I have been with XXXX XXXX XXXX  for 10+ years with home mortgage and then had a home equity mortgage for 5+ years. Then in XXXX to XXXX of XXXX XXXX XXXX sold all their home loan businesses to other loan companies. While being with XXXX XXXX I always had a direct withdraw from my account and never had an issue. During this transfer of business my home loan transferred w/o out any problems and the home equity did not transfer at all with XXXX XXXX XXXX. Never rec 'd proper notification or any calls from this new company. Then at the end of XXXX of XXXX XXXX rec 'd a call from XXXX XXXX XXXX  rep ( before they totally closed this department ) she explained that they had transferred over my account to a new company and they have not rec 'd any payments- explained that I am on auto-draft and the funds have been in the account and should have been withdrawn - to find out that I needed to contact XXXX XXXX XXXX to set up. Contacted them and got all set up and all of the back month payment caught up. The rep at XXXX  XXXX XXXX stated that they would handle this and would not affect my credit since this was a transfer account. Then in XXXX the funds came out for that month. Then in XX/XX/XXXX automatic payments stopped again -- called them back and was explained there was additional charges that were applied to the account and automatic withdraws stop automatically if current on the account. Paid the additional charges and reset up my automatic withdraw from my account. Since then, there has not been any additional issues. 
. 
Reviewed my credit report and found that I rec 'd my first late payment on my account. I have never had a late report on my credit since I started 45 years ago. 
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Contacted XXXX XXXX XXXX and requested a review of all the issues that I had during the transition of my account from on bank to another. Rep said that they could remove the 1st late payment from my credit which they have to report after 90 days late - but since this was 5 months late, they were unable to help me. 
They refused to supply me with any of the note documents that were from the XXXX XXXX XXXX  or myself during this transition. 
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I got on the site for XXXX XXXX XXXX  to see what documents I could find. Found that the " Welcome Letter '' letter was sent out XX/XX/XXXX. I have been charged for 3 months of late payments prior to their welcome letter. 
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No certified letters were ever sent to the home address by XXXX XXXX XXXX or XXXX XXXX XXXX. 
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I have requested my file to be reviewed and have been denied for the review. 
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I have attached the Welcome letter and my credit report to show this has been my only late report and need assistance for a company that can assist me in my problem or an attorney that may assist me in my situation