davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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. (CA)

Back on XX/XX/XXXX I opened an account with XXXX which was a loan. After a few months of paying it off, they stopped taking my payments from my account. I attempted to contact them multiple times through email and phone. Every time I contacted them I was either unable to get through to a person or they just refused to help me. 
The account in question is : XXXX XXXX Acct. # : XXXX XXXX This is a pattern with this company as according to the XXXX XXXX XXXX they have received multiple complaints regarding this exact same issue : XXXX  files indicate a Pattern of Complaints concerning fulfillment of transactions, billing errors, and customer relations for XXXX XXXX XXXX XXXX has noted a significant spike in consumer complaints filed since XX/XX/XXXX, and consumers are telling XXXX  about the issues they are experiencing with their accounts and the company 's customer service department XXXX A number of consumers say they have problems making loan payments, experience errors or holds in transactions they attempt when using one of XXXX 's financial products. Other customers claim the confusion and technical issues with their XXXX accounts have resulted in missed payments being reported to credit bureaus ; some of which consumers claim are erroneous and have to be disputed. Many consumers allegedly attempt to contact the company to resolve their problems but end up frustrated and without resolution by the lack of communication by the company. As of XX/XX/XXXX, XXXX  is still noting persistent issues in complaints about account issues ( frozen or closed accounts, credit report errors, missing or delayed application of payments ), as well as numerous claims about the lack of sufficient customer service to address the reported problems. 

I have filed multiple disputes and complaints regarding this company, all of which have been unsuccessful. I have been repeatedly trying to have this issue resolved over the past 3 years but due to XXXX 's deceitful and unlawful tactics, I have been unable to come to a fair resolution.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

each time I send a dispute letter to the credit bureaus they either dont reply or they send back a letter stating they couldn't find me. Even though I provide my full name, address, and SSN #.
Consumer complaint received 2022-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

My student loans have been transferred, yet again, to a non-responsive servicer. I have tried to contact them, as requested in their " welcome '' letter, regarding the PSFL program ( payments counted, outstanding information, etc ) and get a answering system with a 20 minute voice message that repeats information multiple times without ever connecting to a person. I have created an account on their website, but the website provides none of the information that I am looking for. I am currently on hold with Mohela and have been for over 30 minutes ( after their non-information message ). It is obvious that this is yet another pop up servicer that does not have the resources to do the job they have contracted to do.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (IL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXXXXXX 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 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 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 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 2022-11-08
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. (SC)

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 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 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 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 XXXX 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 2023-11-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (OR)

I am appealing to the CFPB for intervention regarding the restrictive {$5000.00} weekly sending limit imposed on my cryptocurrency transactions by Coinbase. As a U.S. citizen, a verified Level 3 user, a holder of the Coinbase Visa card, and an IT professional, I find this limit, purportedly for security reasons, completely unjustified and a hindrance to my financial independence. This is especially so considering the robust personal security measures I utilize, such as employing a password manager, two-factor authentication, and additional security best practices. 

I made efforts to address this issue with Coinbase on XX/XX/2023, but my case was abruptly closed on XX/XX/2023 without any form of response or rationale. Such dismissal not only disregards my need to self-custody my assetsa fundamental right in the cryptocurrency sphere that allows individuals to manage their holdings directlybut also ignores the fact that not all Coinbase users are subject to this same limit. The imposed limit means it would take over 2 years to transfer my entire portfolio to my personal wallet. This is not only impractical but also runs counter to the principle of autonomy that cryptocurrency is built upon. This is in stark difference from the {$500000.00} daily transfer capability I have with XXXX. This discrepancy reveals a significant inconsistency in user treatment and a deviation from accepted industry practices. 

The weekly transaction limit also leads to an accumulation of excessive network fees, undermining the cost-efficiency that blockchain technology is known for. The constraints imposed by Coinbase do not align with their promises of transactional freedom, and the opacity of their customer service response has left me without clear justification for how these limits are determined or can be reviewed. 

The current limitation not only undermines my ability to engage in the cryptocurrency space as an informed and responsible user but also limits my financial freedom without a valid basis. I am fully aware of the risks and have taken more than adequate steps to secure my holdings, which should be acknowledged through a reconsidered sending limit appropriate for my situation. 

Therefore, I am requesting that the CFPB support my plea for a substantial increase in my sending limit, reflecting my verified status and my capabilities in managing security risks. Such an adjustment would also ensure equitable treatment in line with other users and market norms. 

Enclosed is evidence highlighting the differences between the sending limits set by Coinbase and those available to me through XXXX. I am grateful for the CFPB 's assistance in this matter, aiming to uphold my rights to securely and effectively control my cryptocurrency investments.
Consumer complaint received 2018-12-05
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Capital Accounts, LLC (AL)

Company calls my cell phone repeatedly from " spoofed '' numbers from area codes XXXX, XXXX, XXXX, and XXXX ( all Alabama area codes where I live ) and every time I tell them NOT to call me again until I receive something in writing from them showing where all efforts to bill BOTH my insurances in the proper order have been exhausted. They have NOT sent me anything and refuse to quit calling, but tell me every time that they are " making a note on my file to not contact me again. '' The last straw was when they called while I was in intensive care in the hospital and they refused to let me hang up without threatening to take away my XXXX check.
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-01-25
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. (TN)

ON XX/XX/2022, Sent a letter to XXXX, Equifax, and XXXX, XXXX informing them the information they are report to my consumer report is inaccurate.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

In 2018 my Discover card was closed due to no fault of my own. I attempted to add my discover card to a debt consolidation plan and was denied entry into the program because they didnt agree with the reduced interest rate terms. Shortly after that my card was closed and I never received a letter from them stating why. 

During that time, I never missed a payment and ended up paying the card in full. And now when I apply, Im getting told that my card was revoked and to keep trying and that there is nothing they can do. 

I pulled all my credit reports and none of them are saying that my card was revoked. 

It isnt fair, but it seems like I will constantly be denied even XXXX XXXX years later.
Consumer complaint received 2022-12-11
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: Experian Information Solutions Inc. (GA)

in accordance with the Fair Credit Reporting act XXXX  Account #, XXXX XXXX XXXX XXXX - XXXXXXXX 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 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 15 U.S.C 1681 Section 604 B. States a consumer reporting agency dont have the right to report anything on your credit report without written consent.

15 U.S.C 1681 Section 605 Section 1. States with no consent that equal identify theft 15 U.S.C 1681 Section 605 Sections 2. States if your notified that something is on your credit report that results from identity
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Credit card through XXXX XXXX XXXX  reporting a {$39.00} balance to credit reporting agencies. There is NO BALANCE on this car. This is my wifes credit card and she added me as a user on the card ( to build my credit rating ). The {$39.00} is the annual credit card user fee. The fee has been paid in full. 
This needs to be removed from my credit report
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (TX)

Wireless provider XXXX, a subsidiary of XXXX XXXX, issued a pre-paid debit card of {$200.00} for signing up and transferring my cellphone service to their network. Some where in their fine prints, there is a clause that a debit card funds will expire on the expiration date issued by their rebate processing company BlackHawk and that these funds will be forfeited if not used by the expiration date. I had my card expired last month and lost all of the {$200.00} on the debit card, that had only 6 months of validity on it which I missed.
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

On XX/XX/XXXX I received a notice from our appraisal district stating that our XXXX Property Taxes were not payed. On this notice it stated that added interest had started accruing in XXXX on top of the original amount that was not payed. This was the first letter I had received from the appraisal district notifying me that the property taxes had not been payed In XXXX of XXXX. This is a new home that we bought in XX/XX/XXXX. In closing we set up an Escrow account with XXXX Mortgage and put down a payment of {$1500.00} towards escrow. When the account was set up we started paying towards the escrow account monthly starting in XXXX when the first payment was due for the house. I have been dealing with XXXX customer service for a month now trying to get this issue resolved. I sent them the notice I received in the mail as well as the XXXX tax statement that we received in the mail stating what our XXXX property taxes amount owed and it states at the bottom of the statement, please do not pay original has been sent to mortgage company and it has the mortgage companys name and mailing address. For 3 weeks now customer service stated that they were at fault and they will be sending a check to the appraisal district with the added fees, and that I am not responsible for the added fees. I called customer service again on Friday XX/XX/XXXX, because I saw that a Tax Penalty was added to my account online for {$730.00} that was taken out of my escrow account. The customer service person stated that she will be putting in a work order to have that removed because they are responsible for the added fees and to call back next week to make sure it was resolved. I called XX/XX/XXXX to check on the status and I was told that now I am responsible for the added fees and I will be receiving a notice in the mail stating the reason why. I was also told that the original payment for the XXXX property tax amount was my responsibility and not theirs and that is why I am at fault. As of my statement on XX/XX/XXXX my escrow account balance is now - {$1800.00}. I also see on my online account that on XX/XX/XXXX a check was sent to me at an address that does not exist for {$3800.00}. I tried resolving this issue as well because now I dont know where that money is and can not get a straight answer. I still do not know if the mortgage company has sent a check to the appraisal district.
Consumer complaint received 2022-12-11
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 (FL)

Regular payments had been made on the account up until XXXX. I could not continue to work my higher paying job and took a much lower paying one. On the report, it shows I have not made a single payment all of XXXX and most of XXXX. I have been contacted by capital one numerous times to set up a payment plan or keep my account from defaulting, which I did. I have bank statements that clearly shows payments were being made. 

In XX/XX/XXXX, I set up a payment plan to work down my debt and it was accepted by capital one? They charged off my card while in a payment plan, did not contact me before it was charged off, and when I called after I received the alert, was notified that it was done and there was nothing that could be done but pay the NOW closed credit card debt down.
Consumer complaint received 2022-12-11
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act XXXX  ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # 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 an account without my written instructions.
Consumer complaint received 2022-12-11
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. (AL)

To whom it may concern. The information on my profile is not correct, when Creditors pull my credit report they see this as high risk. I have multiple addresses, multiple names, and employers on my report. All which is in error and lets creditors know I am not stable, can not keep a job, or using different names. This is definitely harming me with attaining a background check at my job also, getting new opportunities with new credit.
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MA)

In reference to fraud to account corresponding to CFPB Case XXXX. 

I have presented TD Bank with disclosure of concerns pertaining the fraudulent use of my account and identity theft. TD Bank has noted that the fraud claims presented under REG E claim XXXX and REG E XXXX have been resolved statinng appropriate action has been taken to resolve the matter and mitigate the losses of monies. To this date the remaining REG E claim has not been address appropriately corresponding to the same recurrence of fraud and identity thief for a debit card that was issue to a third party without my authorization. Further, I have requested the account to be close and will not be making business with TD Bank in demonstration of my disagreement with the poor practices of XXXX XXXX, Assistant Vice President, NMLS ID # XXXX who handed me a check with the balance corresponding to the credits to the account as resolution of fraud without even an acknowledgement of the consequences that this has had on me and my business. 

I have visited TD Bank located in XXXX XXXX and the teller XXXX XXXX has said that she would reach the corresponding department for appropriate action. I was hoping to meet with a customer relationship specialist, but XXXX XXXX thought that she would resolve my concerns from the teller window, which she failed to do. I certainly expect that regard be employed towards what this process has been and how I have been prevented from a proper resolution. In relation to the response to the previous CFPB complaint, I am not in understanding that the final REG E claim has not been handled with propriety to this date and expect appropriate action.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act XXXX my rights have been violated. 15 usc 1681 section 602 A states I have the right of privacy. Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent.