davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AR)

Our mortgage loan was on auto draft with my previous mortgage company. The mortgage transferred in XX/XX/2019 to this mortgage company and hasnt been auto drafted correctly since. I have had to call once or twice every month to make my payment. I have had nothing but problems since my loan has been with them. They also try to charge me a service fee for calling in to make the payment they should have auto drafted. Now they say I am behind on my payments but I have been calling every month since XXXX to make my payment. They now wants me to make a payment and a half so that the auto draft will start working correctly. This company is a nightmare.
Consumer complaint received 2017-11-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (DE)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me in time.
Consumer complaint received 2017-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of the inquiry issue I have called and called their customer service would not help and take care of the negative inquiries reporting to My credit report here 's a list of things that I want removed!! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MD)

Company : Coinbase Deposit {$500.00} on XX/XX/XXXX for a total of {$750.00} in my digital wallet. 
Begin a {$750.00} deposit on XX/XX/XXXX Account is locked for unknown reason later that day ( XX/XX/XXXX )  Proper verification to unlock account is provided by XX/XX/XXXX Payment still goes through on XX/XX/XXXX Support ticket opened on XX/XX/XXXX Wait for response from company for 2 weeks. No response Attempt to call their support hotline numerous times during these two weeks, call automatically ends saying they are too busy. 
Finally get through their phone support on XX/XX/XXXX Support agent says my account has been flagged to be reviewed by a specialist. 
No response since, account still remains locked by withdrawing or transferring any money.
Consumer complaint received 2017-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

This complaint is against Ally Financial. I have been paying extra money with my monthly payments. I was told to call them and tell them what I want the extra money applied to. For the past two months I have been calling ally and I can not get anyone on the phone who understands English. When I ask to be transferred to an american representative, They either end the call or just refuse to transfer the call. I called ally bank several times last week. The representatives call the call center and could not get an american representative on the phone. This is affecting my credit as I am continuing to incur late charges. I would like to speak with an american representative so this problem can be solved. Thanks in advance for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (VA)

Greetings I have recently bought a few crypto currency through a app called coinbase. I extremely frustrated, and have contacted the customer support service multiple times. They locked my account because I made a mistake when creating a profile. I put my date of birth as 2017 by mistake and my account has been locked for over a month now. I called the coinbase customer line and it takes almost an hour each time to get a help desk analyst. They always tell me the same exact thing that a ticket has been creating and were working on it. I am extremely frustrated, and have not been able to make investments or get my money since they locked my account. I need your help, and would appreciate it.
Consumer complaint received 2018-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Problem with XXXX XXXX XXXX XXXX. I do n't have an account with XXXX XXXX XXXX my credit score was above XXXX and today it shows below XXXX. They said I had a account with them so I paid it off years ago and closed it. Then they reported a mulitple deliquent activities and lowered my score after I closed it. I have never had an account with them. Why now would they report delinquent activity after it has been closed. I was in escrow so I had to do something about it. It was never my account. I reported it through them and have not seen any results. Now Im being punished for someone else. Once the account was closed they reported it as being delinquent muliple times and hurt my score. I have always been in good standing with all my credit!!! PLEASE HELP ME GET MY CREDIT BACK!!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

I don't know why I'm being charged for a student loan from a school I never attended. I was never enrolled into a class there's no proof of any type of transcript, grades or work I've done. There's no proof of the teacher and or a class I don't know how they got my social. I recall calling to inquire about the program but I never made a payment to sign up for the program.
Consumer complaint received 2017-11-28
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: Santander Consumer USA Holdings Inc. (IL)

On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to XXXX XXXX a XXXX  XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit score.  The company is requesting that they be removed and now I 'm asking that they be removed!!
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCC Business Services, Inc. (NC)

I lived in XXXX XXXX XXXX XXXX for 3 years and always paid my rent on time. I had a walk thru my apartment before leaving, after I cleaned it and was told that I will not need to pay any cleaning fees. I told them to write that on paper and was told that there was no need. 6 months later there is a {$510.00} collection fee on my credit report by NCC BUS SV. I contacted XXXX XXXX and asked them to speak with the manager who did the walk thru and they said I can not and that I should pay the collection company. The charged me astronomical fees for cleaning. They said it was too late for me to do anything. I had moved to another state, XXXX and gave XXXX XXXX my address. They were sending me the bills to my apartment despite knowing I moved. They sent the bill of {$510.00} to the apartment address even though I moved. I called the collection agency and they only had my apartment address. The representative from the collection agency told me he agrees that I was done wrong and that I will need to contact XXXX XXXX XXXX in XXXX. Now NCC BUS SV  collection is showing on my credit report {$510.00}. Upon reviewing google reviews I am not the first person this was done too by XXXX XXXX XXXX in XXXX.
Consumer complaint received 2018-01-09
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. (CA)

I am a victim of ID Theft and I have been trying to get " Transunion '' to remove this fraudulent account from my report after sending in ; police report, FTC report and proper ID to get them to remove the fraudulent account. After months of trying to get TransUnion to block the account, the account still is reporting on my credit. 


Account still reporting : " XXXX '' ( I DID NOT OPEN THIS ACCOUNT, IT 'S FRAUD!!! PLEASE REMOVE!! )
Consumer complaint received 2017-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching the letter that I sent to the credit bureaus on XX/XX/XXXX, requesting a credit investigation. I have yet to receive my responses. It has been over 100 days since I mailed my letter, and they were supposed to respond within 30 days.
Consumer complaint received 2023-09-15
Product: Credit reporting 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. (CA)

I began using the XXXX XXXX XXXX XXXX  about XXXX months ago and have awaited my credit score from the credit bureaus. However, despite checking multiple times, I have not seen any activity, credit history, or credit account listed on my Experian or any other credit bureau 's website. Initially, I thought it might be because I was new to credit and it was my first credit card. But after hearing from others who reported seeing their card and activity listed within XXXX months or less, I became uncertain about the issue. 

I tried to address any potential discrepancies in my information, such as my address or name. However, as I can see both hard and soft inquiries, I believe my account has been correctly identified. Nonetheless, the credit card and its associated activity have not been registered, resulting in the absence of any credit score. My initial suspicion was that XXXX might not be reporting my account, but after confirming with them several times, they have assured me that reporting is done in every cycle, including off-cycle reporting. 

During my last contact with XXXX, they initiated a case to investigate the issue. However, I still remain uncertain about why I can not see my credit card loan and activity listed on the credit bureaus ' accounts, even after reporting has allegedly taken place.
Consumer complaint received 2023-04-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: American Credit Acceptance, LLC (NC)

On XX/XX/XXXX, American Credit Acceptance voluntarily relinquished rights to the property and deleted the accounts associated with the account once held for the consumer in response to a correspondence sent to XXXX XXXX, then CEO of AMERICAN CREDIT ACCEPTANCE LLC, from the consumer for noncompliance and inaccurate reporting regarding the CARES Act : 15 USC 1681S-2 ( a ), 15 USC 1681S-2 ( b ), 15 USC 1681S-2 ( f ) ( 1 ), 15 USC 1681S-2 ( 2 ) and 15 USC 1681S-2 ( 3 ) on XXXX XXXX XXXX.

North Carolina General Statues 44A-3 outlines that when property is voluntarily relinquished ( rights to collection have ceased or have been given up/ charged off ) the lien terminates and that reacquisition ( repossession ) of the property shall not reapply the lien and it [ the lien ] becomes unenforceable.

44A-3. When lien arises and terminates.

Liens conferred under this Article arise only when the lienor acquires possession of the property and terminate and become unenforceable when the lienor voluntarily relinquishes the possession of the property upon which a lien might be claimed, or when an owner, his agent, a legal possessor or any other person having a security or other interest in the property tenders prior to sale the amount secured by the lien plus reasonable storage, boarding and other expenses incurred by the lienor. The reacquisition of possession of property voluntarily relinquished shall not reinstate the lien. Liens conferred under this Article do not terminate when the lienor involuntarily relinquishes the possession of the property. ( 1967, c. 1029, s. 1 ; 1991, c. 344, s. 3, c. 731, s. 2. ) AMERICAN CREDIT ACCEPTANCE LLC should and should've complied further to reflect the voluntary relinquishment, by removing the lien from the title of ownership however, AMERICAN CREDIT ACCEPTANCE , LLC. refused to do so against the consumer request and compliance to the statue upon voluntary deletion and relinquishment of the account. 

XX/XX/XXXX, the consumer learned that XXXX XXXX XXXX XXXX illegally " repossessed '' the vehicle described in the title of ownership belonging to the consumer allegedly under the orders of AMERICAN CREDIT ACCEPTANCE , LLC however, there was no repossession order reported to law enforcement nor a tow order which resulted in a larceny report on the vehicle reported by the consumer on XX/XX/XXXX. XXXX. 

After learning about XXXX XXXX XXXX XXXX and AMERICAN CREDIT ACCEPTANCE 's Illegal possession of the private personal property, I made demand for its appropriate return and they both declined and continued in possession of the property of the consumer.
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CA)

Barclays had closed all my credit card products without warning or a phone call. No reason was provided for the closure except a letter describing that the 2 accounts were closed. One account was newly opened and I had just paid the annual fee for the card ( XXXX XXXX XXXX XXXX ),  meanwhile the other card was for the XXXX XXXX card which I had for longer than a year 's time and had used often. I also had recently paid the annual fee on the card.
Consumer complaint received 2019-11-25
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 (CA)

On XX/XX/ 2019 I called into Capital One to make my credit card payment that was due on XXXX XXXX, 2019 at approximately XXXX. I have been charged a late payment charge of {$25.00}. I have contacted Capital One credit card services to resolve this issue and they will not credit me back the {$25.00}.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (CA)

I discovered that some of the information was erroneous. The XXXX and Equifax 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 correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$59000.00} - tied up
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-06-01
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Financial Credit Service, Inc. (NV)

I was called by a company called " ARA ''. Their representative left a voice message on my cell phone and also called my wife 's cell phone from XXXX XXXX. I do not owe this company any money and this appears to be a scam, so I reporting this information for the CFPB to take action. I do not have any debt issues and have perfect credit and payment histories on all my current accounts.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I have tried speaking with supervisors nobody never comes to the phone to answer. I also called today XX/XX/2023 requesting proof of validation of the alleged debt they failed to give me the information claiming they can't because it's against policy. I have a right to privacy 15 USC 1681 a number 3 you guys assumed this role without my permission, you also did not have my consent. I feel Experian was unfair and partial, you did not exercise your grave responsibility. I am now demanding that Experian delete this account. I have also filed a complaint with the attorney general. Also I filed a ftc report against the company.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-20
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$2900.00} XXXX  XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2024-08-20
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. (CA)

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. 
This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX