davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (SC)

On XX/XX/year>, I transferred {$21000.00} from my checking account to my Coinbase account. I did larger transfers in the past without any problems. I linked a new checking account which I share with my XXXX and sent the money. My account was immediately restricted for almost 2 months. I can not use the money and Coinbase refuses to send it back to my account. They are holding my funds XXXX and when I called did not tell me the reason why. They are forcing me to wait until XX/XX/year> to access my funds. They should never have accepted my money if they were going to restrict my account. Obviously, I would have never done the transfer if I knew they were going to restrict my account.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I tried to deposit several checks via a mobile app. XXXX XX/XX/2022. I fat fingered some of the $ amounts. My account got locked. I called the next day and their techie dept got it reopened. I then received an intent to close my account on XX/XX/XXXX. I called and spoke to a supervisor ( XXXX ) on XX/XX/XXXX and told her to just close the account and mail me a check. She said she'd make the request and it would take 3 days to process. I never got the check and called again today. ( XX/XX/XXXX ) I was told they have not yet formally closed my account and could not release my money. ( spoke to XXXX and was tranfered to XXXX in member resolution ). XXXX states they can lock up and hold my monies XXXX for 60 days while they decide what they're doing, even though XXXX confirmed USAA has already determined to close it in the coming days, they still wont release my monies until they officially close the account in the coming days. 

Checking Account XXXX : XXXX USAA out of XXXX XXXX, TX
Consumer complaint received 2023-03-02
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. (MD)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXXK 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-20
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

In XX/XX/XXXX I made an in store purchase for {$110.00} with my XXXX XXXX  card. This was the only purchase on my card. In XX/XX/XXXX I paid the card balance in full. 

In XX/XX/XXXX I got a credit alert that my credit has decreased by XXXX points. XXXX points. I looked at my credit to find out that XXXX has an outstanding balance of {$26.00} that has damaged my credit. When I called XXXX I was told that in XXXX there was a {$2.00} finance charge that has since compounded to {$27.00} causing an outstanding balance on my credit card. 

This finance charge sounds like interest and is usurious. It is also unexpected because in XXXX the total balance told to me was {$110.00} that I paid in full. 

Comenity bank is charging consumers usurious interest on paid bills as a " finance charge ''. Many consumers don't even know about this and XXXX have incurred hundreds of dollars in this compounding finance charge outside of the interest.
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-15
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 — Problem with personal statement of dispute
Company: W&A Intermediate Co., LLC (CO)

I was turned to collections in XXXX and never billed or notified. This year I saw a collections account from Wakefield and Assoc. I have sent them the Insurance EOB showing the amount initially billed, how much insurance paid and how much was to be adjusted and that my amount owed is XXXX. They have received this three times, including XX/XX/XXXX the last time, and not responded or removed the account. My credit bureaus say WAkefield 's saying the full amount is due by me and verified as accurate. My insurance has not heard from any one but me so they are not doing their job to verify. I am attaching the EOB which is easy to read. The payment or check was cashed on XXXX and insurance will verify that. 

XXXX XXXX XXXX also is not responding or removing account. They are breaking the law balancing billing me which violates the insurance contract they are on with my insurance. I would like them notified of this complaint as well. 

I have spent alot of time trying to dispute this and everything fails as Wakefield said it's accurate... clearly it is not.
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SD)

Upon checking my credit report on XX/XX/XXXX, I noticed information for Portfolio Recovery in the amount of {$1100.00}. They agency reported the debt to my credit report on XX/XX/XXXX, however I never received any notification of this debt, validation of the debt, or information on my right to dispute the debt.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (UT)

LVNV Funding # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this account was in collections. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2023-02-21
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: Nelnet, Inc. (FL)

I tried disputing a fraudulent account not just opened up by someone else but also reporting incorrect information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (LA)

XXXX XXXX ( XXXX ) fraudulently obtained a contract from me. My husband and I attended a seminar with XXXX about the purchase of a Timeshare. After the presentation I told the salesman that I was not interested in purchasing a timeshare. My husband on the other hand stated he did want to purchase the timeshare. My salesman stated that the contact would be in my husband name only. He stated I had to sign the contract because we were married. This timeshare was never on my credit when the payments were being made, and now since my husband wants out of the timeshare they are now reporting this information to the credit bureau. I did not authorize this contract. The company fabricated the things that you could actually do with a Timeshare. This company has been reported multiple times to the XXXX XXXX XXXX  for some of the same reason. I have reached out to this company multiple times to try to resolve this matter. Their response is only to pay thousands of dollars to them and even then I will still be in a contract that I did not consent to. I have attached a copy of my FTC report, proof of identity, proof of address and a dispute letter. Thanks for helping with this matter
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX    CFPB : RESPA  Section 6 -  Please have JPMChase refund to me its erroneou s  XX/XX/XXXX   {$5.00} Late Charge on my ARM Loan and notify Credit Bureaus of Error.     Truly,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , IL  XXXX
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (CA)

I took out a loan to purchase a phone. I never got the merchandise and I advised Acima of the situation, the store is no longer in business and I am still being charged. 

I filed a police report and here is the number XXXX.
Consumer complaint received 2023-10-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (PA)

Exeter finance charged off this account as a bad debt. They have yet to send me a 1099c form and also a proof of sale XXXX they sold the vehicle. They added all these charges on the account after they charged it off in XXXX and also after they sold the car for XXXX and it was worth more than XXXX.
Consumer complaint received 2023-02-08
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this XXXX XXXX XXXX : {$1900.00}.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called BofA on XX/XX/23 to set up a new autopay linked to a separate bank account of mine after closing my checking and savings accounts with BofA. As retaliation, they have disabled my ability to pay my credit card bill and are attempting to put derogatory marks on my personal credit. I am unable to access their " Bill Pay '' feature and add external accounts, and they will most happily charge me late fees and interest if I accrue a positive balance that I am unable to pay off due to their block.
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

The company closed my account I had not acknowledgment of the payment being past due. XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX give you the authorization to open this account on behalf of the principal. 
I also accept the principal balance, titles, rights, interest, and equity Owed to XXXX XXXX. 
I hereby instruct Capital one to apply the principal 's balance to the principal 's account for each and every billing cycle for set-off. 
Capital One doesn't have the right to decline the XXXX XXXX because of a XXXX XXXX. 
I also instruct Capital one to communicate in writing within XXXX business days once instructions are completed. 
If instructions are not completed ' I XXXX Capital one to respond in writing within XXXX business days giving reason of non-performance of fiduciary duties. 
If no communication is made within XXXX business days. I XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX that instructions have been completed.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (OR)

Over the course of banking with XXXX since XXXX I received NUMEROUS overdraft fees that I shouldnt have because of how they process pending charges and deposits etc. {$39.00} a fee is ridiculous and I can only ever get a partial reimbursement AND only have some many granted per year. I lost HUNDREDS if not thousands of dollars to them.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Financial Management Solutions, LLC (FL)

The XXXX  requires debt collectors to be licensed in the state they are attempting to operate. The XXXX XXXX XXXX XXXX  XXXX is a state law that addresses business or commercial debt collection practices in the state. This debt collector has been reporting and attempting to collect on a debt they are not licensed for in this state to collect on. I have disputed this item several times. Please provide the XXXX license number to collect this debt and remove this item from my account.
Consumer complaint received 2019-12-06
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: CL Holdings LLC (MI)

XXXX XXXX XXXX is reporting an account that is {$210.00} that is not mine to XXXX  and XXXX. This account does not belong to me, I have never received any documents or information on this account. Please stop reporting this bad information. This bad information is harming my credit.
Consumer complaint received 2023-04-13
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX I need all three bureaus to report my name accurately as the full name on my Social Security Number is XXXX XXXX XXXX XXXX. The following personal information is incorrect, I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect. I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Someone opened a XXXX account in my name illegally. Someone stole my information and made an account in my name Illegally. I need this account removed from my credit as soon as possible, it is my right by law. I've been trying to remove this account from my credit for months. This account is affecting my credit. Please report this account and remove this illegally made account from my credit file. It is identity theft. Creditor : XXXX XXXX  This was illegally reported without being properly verified. This is not my account. Please remove because I am at the point where I would like to handle this legally. It ruined my credit score.
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MD)

Owen transferred our mortgage loan/modification to PHH Mortgage Serv on XX/XX/XXXX, which changed the principal balance of this account to - {$170.00}, XXXX Duration of Eligibility Deferred Principle Balance XX/XX/XXXX up to XX/XX/XXXX {$270000.00} - No Adjustment XX/XX/XXXX up to XX/XX/XXXX {$180000.00} XX/XX/XXXX up to XX/XX/XXXX {$93000.00} XX/XX/XXXX up to XXXX/XXXX/XXXX {$0.00} We have never missed a monthly mortgage payment. What Owen/PHH Mortgage Service was wrong and unlawful. Our principal balance of this account should be - {$93000.00} - I have contacted PHH Mortgage Services about these unfair practices but their representatives were unhelpful and had no knowledge.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DISCOVER BANK (FL)

Discover auto pay failed as a result my credit score is hurt severely this happened 2x in 5 yrs. This is horrible. 
It was only XXXX dollars each time as well and had more than enough in the bank to pay off debts. 

If your advertised auto payment doesn't work don't blame customers and take responsibility. 

But never the less I paid it off and have since refused to use the card again. 

A quick XXXX search on forums. 

XXXX XXXX XXXXXXXX This is not an isolated incident. Banks have been avoiding responsibility for their bad actions especially since they have been constantly bailed out. Now they are just charging random fees and punishing clients while making excuses and cost cutting causing errors as a result.