davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

-I opened a new business account with Bank of America on XX/XX/2024. ( Business name and account name- XXXX XXXX, XXXX ) -I flew from XXXX XXXX to XXXX XXXX on XX/XX/2024. 
-While I was out of town the bank sent me a debit card. ( We have a lockbox, so there is no way for mail to get stolen once delivered. ) -I returned from my trip on XX/XX/2024. 
-When I returned there was a debit from my account for {$110.00} from XXXX XXXX- XXXX XXXX. 
-I promptly called my bank to contest the charge, because it was charged from my account while I was out of town. 
-The bank opened a fraud investigation and gave me a provisional credit. ( Claim # XXXX ) -They told me last Friday that my case was denied because a debit card was used at the gas station and the card had a chip, so my card was physically used. 
-I went to the bank last Friday and they faxed my proof of me being out of town back to the fraud department. The fraud department has done nothing and the bank essentially stole {$110.00} from my account. 

FACTS : 1. I never received a debit card.

2. I never activated a debit card. ( When I asked the bank why they would activate a card without a pin or from my phone number, they could not respond. ) 3. I was out of town when the transaction took place. ( I can send hotel reservations and flight reservations if needed. )
Consumer complaint received 2023-02-18
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. (MD)

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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$570.00} ; XXXX  XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-02-18
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. (IL)

Name : XXXX XXXX XXXX XXXX : I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. XXXX, Experian, and XXXX, Shared my personal non public information without my full disclosure or written consent. I do have the personal right to privacy that has been very abused and that is a violation under the Gramm Leach Bliley act of 1999. These violations have compromise my non public information and resulted in my identity theft. I demand all accounts be removed in the next 5 business days as stated under law. US DEPT OF ED/XXXX # XXXX # XXXX
Consumer complaint received 2023-02-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-30
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. (IA)

I would like to dispute several unjustified hard inquiries on my credit report. These were not authorized by me and did not result from any credit applications made on my part. I want these to be removed immediately, please. I really don't want to have any future problems when dealing with opening a new line of credits.
Consumer complaint received 2024-01-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit 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. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (TX)

We received credit card from Wells Fargo havent used them in at least 8 years didnt activate the credit cards didnt use the credit cards now I am getting past due letters and its affecting my credit score just received a letter from Wells Fargo that they are reducing my credit limit from XXXX to XXXX due to late payments I didnt use the cards this is crazy
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I have two cards with XXXX XXXX XXXXXXXX. One ending in XXXX has a {$1400.00} limit. The other ending in XXXX has a {$400.00} limit. 

None of these show on my credit report.
Consumer complaint received 2016-10-18
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

I receive on average 8-10 calls a day from Navient. This is after I 've told them when I 'm going to make a payment towards them. I 've asked them repeatedly to stop calling for reasons of me being at work, and just from the disturbance of having them calling like clock work. This has to be harassment and it 's stressing me, because I 'm not in the greatest position to pay them but I have to endure repeated calls and not to mention the blow my moms phone up as well.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (GA)

Thank you CFPB. I disputed this debt on my credit reports by using the dispute options with all 3 credit bureaus. My dispute explained that the bill was paid on time with the original creditor and it was never in danger of going to collections. I had no idea it was in collections because I paid it. After I disputed the debt, the collection company still kept reporting the debt on my credit reports. This negatively impacted all of my credit scores by reducing my credit scores. This hindered me from using my credit while this collection account appeared on my credit reports.
Consumer complaint received 2024-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (TX)

In XX/XX/year> I paid off an account owed to XXXXXXXX XXXX XXXX through its billing vendor, Medical Data Systems ( MDS ). Due to numerous errors on MDS part, the auto draft on my account was never stopped. My bank account was drafted in XXXX, XXXX, and XXXX. I called every month and talked to numerous representatives about this. I was able to get a refund for XXXX and XXXX, but I have been fighting with this company since XXXX to get the payment the wrongfully took yet again in XXXX. I have spent hours on the phone with these people and can not get my money from them. An employee yet again made an error in XXXX and instead of issuing a refund, issued a credit. Since XXXX I have been waiting for that error to be corrected. Every time I call, I am told the situation will be escalated and I should have my refund in 7-10 business days. It has been well beyond that and I have been more than patient. I deserve to have my money refunded immediately. The procedures and customer service of this company are horrible.
Consumer complaint received 2023-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (IN)

I was Financed through Santander for a vehicle by way of XXXX XXXX in XXXX. I've had an Involuntary repo in XXXX through Santander. I was told by Santander, that if I released the vehicle, they would sale at auction & potentially could be pro-rated a paycheck after the sale of the vehicle via the auction. Santander has potentially sold the vehicle at auction and has yet to notify me, & the balance is still reporting negatively to all three credit bureaus. I have also contacted my GAP insurance provider ( XXXX XXXX & XXXX ) who I still have a premium & contract with to cover the cost & claim due to loss. I believe this balance should be taken off my report due to being Factually Inaccurate. - Thank You
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received a copy of my credit report and found the following item ( s ) to be in error : { XXXX XXXX XXXX XXXX XXXX Number : XXXX } I have previously disputed the above ite with you. You verified the item as accurate. Stating that you have verified the information with the court. I contacted the court and their response was " WE DO NOT REPORT TO CREDIT BUREAUS ''. They made it clear that they DO NOT REPORT TO TRANSUNION, XXXX, XXXX or ANY other bureau for that matter ; therefore, your initial response verifying the item with the court was either an ERROR or a LIE. Either way, the reporting requirements DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ), and the information MUST BE DELETED IMMEDIATELY. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted this item. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MO)

I opened up a credit card with XXXX XXXX in 2021. It is the More Rewards Amex credit card, and I was given a {$25000.00} credit limit. For whatever reason, Amex incorrectly put down {$2500.00} as my credit limit. And XXXX only checks with Amex to validate the credit limit, so on my credit report, it says I am over my limit as it is only {$2500.00}. This is affecting my credit score. My Amex credit limit is now {$33000.00}, and yet, I still have not received a change in my credit limit on the Amex portion of XXXX. I have called XXXX XXXX, Amex, and XXXX multiple times and they have each never fixed the issue.
Consumer complaint received 2023-07-12
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: SYNCHRONY FINANCIAL (FL)

an incident occurred where my personal information was stolen from the data and unauthorized inquiries were made on my credit. I noticed this fraudulent activity and immediately took action by contacting the affected companies. i never got a response. so i decide to start all over with the process.My XXXX XXXX was used to charge online
Consumer complaint received 2023-02-18
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: Mobiloans, LLC (CA)

Hello! I have submitted disputes to each credit bureau for these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX access I did not open these accounts and i just realized their on my report.
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I was messaged by a person on XXXX who wanted to buy my artwork. He wanted it minted as NFTs on XXXX which is a website for selling NFTs. 

He stated crypto was his preferred currency. And he instructed me how to set up a crypto account, wallet. 

I received an email claiming to be from XXXX stating his payment didnt go through since I had to pay a gas token. He said the gas token was essentially a transaction fee. 

He showed me how to transfer money from my bank account to my digital wallet to turn it into Etherium to pay the gas token. Then he said it didnt go through again. More emails came. And stating I needed to pay further increments each time to complete the gas token fee. 

It amounted to {$2600.00}. I used the crypto wallets from the company Coinbase. 

I was defrauded and have all the screenshots and the saved conversation from XXXX as well as all the emails saved. I also have emails saved from XXXX stating these emails didnt come from them. 

He acted like I never sent money but at the same time kept saying if I sent crypto to him hed be able to get it back. I did not send any more. 

His XXXXXXXX XXXX is still active.
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KS)

On XX/XX/2022 at approximately XXXX p.m. XXXX, I sent a MoneyGram 'wire ' for {$400.00} using their App which I have installed on my phone. I have used their service many times before without incident. The money was taken from my bank account and was supposed to arrive in my other bank account via " XXXX '' ( within minutes ). I received a notice on the App and via email that the money would be available in " minutes. '' I still don't have my money. 

All I get is a big runaround from " customer service. '' I have called and emailed no less than 10-15 times since that date as I needed that money to pay my bills. 

All I hear is that there is an " investigation. '' Does it take 2 weeks to " investigate '' in this day of electronic processing? 

Help.
Consumer complaint received 2016-09-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

TransUnion Customer Service, My father died on XXXX XXXX and his body was n't found until XXXX XXXX. This is put an emotional and financial strain on our family and we need requested expedited to pursue our legal intentions. On my mother 's behalf ( XXXX XXXX is cc'ed above ), I respectfully request an expedited copy of my deceased father 's TransUnion Credit report . We are requesting that an electronic PDF copy is sent to everyone cc'ed in this email immediately. I look forward to hearing from you. Your response is greatly appreciated. 

Very respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX '
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC (TX)

In accordance with the Fair Credit Reporting Act ; Speedy Cash XXXX XXXX  has violated my rights. 

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

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

Requesting all derogatory accounts be removed from all credit reporting agencies immediately.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I recently reviewed my Equifax credit report and viewed a XXXX XXXX account that is over XXXX XXXX XXXX. I respectfully request that the XXXX XXXX account be permanently removed from my credit report. Furthermore, I also observed the Hard Inquiries that I do n't recall authorizing. XXXX XXXX/XXXX/2016, Florida XXXX XXXX & XXXX XXXX XXXX XXXX/XXXX/2016. I respectfully request that these hard inquiries be removed from credit report.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (AR)

American Express quit sending payment envelopes approximately XXXX year ago, but when called, agreed to separately mail XXXX okay. I called today XX/XX/22, and XXXX at customer service politely refused to send anymore and recommended I use my own. This will cost me more and increases mail time thus increasing the chance of late fees. Help!
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (GA)

The staff at Westlake Portfolio Management are a band of thieves!!!! I sought to get to the bottome of the fact that they were charging me extra fees. A female representative was very rude, uniformed and gave me the wrong name and wouldn't provide her customer rep ID #. They charged me fees for insufficient funds for my auto loan when the money has been available on the date they claim the money wasn't there. 

Based on this institution 's engagement and reviews of its customers, it proves that Westlake is a candidate for an in debt audit and investigation. There is something going wrong with this company in terms of hidden fees and the extra charges it places on its customers, especially those like myself who have money available for the ( auto-pay ) I was using. It appears that when customers are not looking, this company chooses not to may the withdrawal in order to stack up insufficient late fees. This is criminal. Please take a look at this company?????? 

I have added their reviews to establish that this is not an isolated issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time. 
XXXX XXXX XXXX.
Consumer complaint received 2023-05-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (NC)

Hyundai Auto Finance does not give borrowers an opportunity to make a principal only payment. The one time I was able to get through to someone, they told me I had to call each time I wanted to make a principal only payment. I have tried to call several times since then, but I could not reach a person. Each time I waited >90minutes in the queue but had to hang up to return to work. I dont know many people who can stay on the phone for 2 hours waiting to be served. 
Making borrowers wait hours to get someone on the phone to make a principal only payment, seems like an attempt to discourage early payoff. They statements don't include an area to indicate a principal only payment, nor does their website. Auto sales and finance should be regulated like the mortgage industry. 
https : //www.hmfusa.com/
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (UT)

On XX/XX/XXXX my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (TX)

Ive have called the following credit card companys Avant, XXXX and XXXX several times in regards to my XXXX balance letter for my mortage lender and informed them without this document I will be homeless. I was told they would fax and I have to recieve a fax. I was also told from Avant that I would it via email and have yet to receive it.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (FL)

Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX Equifax XXXX, GA XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX I have also included the following minimum two ( 2 ) proofs of my current mailing address Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX