davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have recently checked my credit report and saw many accounts that seem to be medical bills showing. I believe someone has been using my name or personal info to get certain things. This is fraud and I want to get to bottom of this because it is hurting my financial situation tremendously.
Consumer complaint received 2020-04-10
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. (FL)

I have recently checked my credit report and saw many accounts that seem to be medical bills showing. I believe someone has been using my name or personal info to get certain things. This is fraud and I want to get to bottom of this because it is hurting my financial situation tremendously.
Consumer complaint received 2024-02-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Company : Coinbase ; Issue : Randomly put my account under review. I've been a customer since 2018. Despite providing copy of Driver License, and confirming SSN and employment details, Coinbase has not given back access to MY money which is in excess of $ XXXX. Further, there is no clarity on WHY the account is in review and WHEN will I get back access to MY money. I have contacted the company on multiple occasions, to no avail. 

I need help to access my assets so that I can transfer to another entity and close this account. 

What a nightmare!!
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (CO)

BBVA is not allowing customers to make partial payments under the minimum payment amount required.

BBVA is calculating minimum payments in a way which is illegal. They are calculating a minimum payment based on the balance in the period, additionally adding any amount between the over credit limit amount and the credit limit. 

In my case BBVA is calculating the minimum payment allowed, and not allowing me to make partial payments online as {$320.00}. My credit limit was {$3900.00} before closing the card. The balance on the card is {$4000.00}. BBVA changed the credit limit from {$6000.00} to {$3900.00} last year. BBVA asserts that the minimum payment is whatever the monthly balance is, and additionally the spread between the over limit. In this case they assert they can set the minimum at whatever calculations for late payments plus the {$110.00} difference of over limit amount. The monthly minimum payment they claim is {$72.00}. Within the minimum payment math they believe they can multiply that by 3 for previous missed payments in XXXX and XXXX. They have applied payments in XXXX and XXXX to previous months and are still rolling forward the arrears to future months even though they have assessed late fees. 


Further BBVA is not applying amounts to current months. BBVA is stating that a missed payment in XXXX allows them to apply current months payments for that missed payment and subsequently classifying payments made in future months.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

i am locked out of all reports they HAVE THE WRONG INFO and i can not get into my file i have sent in this request in the past and nothing they say one thing there do another
Consumer complaint received 2022-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Two accounts were opened in XXXX in my name in XXXX. I have never been to XXXX. The accounts are reporting as a collection/Charge Off on my credit report. 

Name of account Capital One Bank XXXX XXXX ( 2 accounts )
Consumer complaint received 2020-04-10
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. (FL)

I have recently checked my credit report and saw many accounts that seem to be medical bills showing. I believe someone has been using my name or personal info to get certain things. This is fraud and I want to get to bottom of this because it is hurting my financial situation tremendously.
Consumer complaint received 2022-01-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (RI)

Nelnet student loan servicer started charging me for my loans on XX/XX/XXXX, before President Joe Biden 's first pause was set to expire in XXXX of XXXX. This is causing my account to be past due and they are charging me interest and fees. When I asked why they were charging me before the federal pause mandate was over, they did not have an answer. Furthermore, they said the only way that my account could be made current without paying the full amount due, which is now at {$1700.00} was to consolidate my loans and roll the past due amount into a new loan. They keep calling for payment, and provide no answers or other options.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has reported ( me ) XXXX XXXX as deceased I can not receive my credit report score. I've updated my status at Social security office and XXXX  and Capital one refuses to update my status
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I had a checking account open with US bank and was having some issues with making withdrawals from my account after a friend sent me some money. I had an account balance that I needed to transfer in a timely manor for an investment opportunity and they had failed to release my funds to me or make the wire transfer I requested. 

I have missed out on a lot of investment opportunity because the hold or " investigation '' they put on my account. They said they are closing the account and would mail me a check for the funds in the account which I have not received after two weeks.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLIANT CREDIT UNION (NY)

XXXX Lost wallet and ID document, SSN, Driver license, Green card , 3 XXXX XXXX XXXX credit card , 1 XXXX XXXX XXXX debit card , XXXX  ID and Driver license, 1 XXXX XXXX credit card. 

XXXX Notice from XXXX about the Inquiries viewed by others. That have unauthorized account below was open. 
1.XXXX XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX, XXXX, NY XXXX 2XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX 3.XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Notice the call center about the identity theft. The representative explain that account will be frozen during the investigate and will be close after they are finish the investigation.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION (NV)

I was issued a cashback visa signature card from Alliant Credit Union. The card earns 3 % cash back on purchases during the first year. I used the card for some time and accumulated several thousand dollars in cashback rewards. My account was paid off in full every month. Recently, Alliant closed my account and seized my unredeemed cash back rewards that had accumulated. Alliant customer service claims they sent me a letter explaining that the account would be closed, but I did not receive it, and the customer service representative that I spoke to could not produce a copy of this letter for me. I did not have any opportunity to redeem my accumulated cash back rewards before the account was closed, and customer service tells me that these accumulated rewards are now forfeit.
Consumer complaint received 2020-04-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

On XX/XX/2020, I applied for a loan modification with Lakeview Loan Servicing subservicing by XXXX. I submitted all the documentation necessary to complete the modification. I called to follow up and they offered a repayment plan for 6 mo in the amount of XXXX, which was clearly not attainable, the agent on the phone said " I'm looking at your financial statement and I do not see how this was possible ''. He then sent the paperwork to the underwriter for a second review. Once again, I called to see the status, they state that I have been approved for a modification which consisted of a repayment plan of almost 1500 per month for the next 6 mo. My original mortgage payment is XXXX and I was having difficulty. I have attempted to reach out to them over and over. I truly feel this is a predatory process waiting for homes to become foreclosed. I'm actually at a loss, I know I meet the guidelines for a modification, they continue to push me aside. This company should be closely investigated before there are more victims than me.
Consumer complaint received 2020-04-10
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. (SC)

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. Please dont respond to my request by saying that these accounts have been verified by the information provider, I a aware of the E-OSCAR process.I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have contacted them via telephone and in writing. They are reporting that I filed a recent bankruptcy in 2020 causing me to be declined and or pay higher interest rates. I did not file bankruptcy in 2020. My ex husband filed in 2020 and I was by accident added by mistake. They quickly corrected the issue and closed the bankruptcy with me. My ex husband currently filed the bankruptcy and not me. The credit company has failed to correct this issue by removing the bankruptcy filed in 2020 by my ex husband. They fail to do anything with removing and its causing me to be declined bc of this error. Banks are looking that I filed bankruptcy in 2020 counting it has a recent bankruptcy. However, there is no court order showing a discharge of this 2020 bankruptcy but I did not file one. They also fail to remove inquiries that I have in writing disputed. I have a fraud alert on my credit which makes a company have to go through steps to extend credit. The companies have never called me and I have never done business with them. The alert was placed due to my ex husband using my social security number. The same companies are running my credit every month without getting authorization from myself. The credit agencies as well failed to protect my credit account even with several telephone complaints and filing concerns and disputes in writing. This is an issue with all 3 credit agencies.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX I noticed I was being charged {$1.00}. The statement showed I was being billed as minimum interest charge under Fees. The credit card was currently carrying a 0 % balance transfer and a monthly XXXX bill of {$19.00}. Each month I have auto pay set up to send {$220.00}. The minimum payment due each month is under {$40.00}. Combining the minimum and XXXX charge the monthly amount that should be all that's needed to pay and avoid interest. Total should be under {$60.00}. I pay well over that each month ( {$220.00} ). 
From what I have read. I see : The federal " Credit Card Accountability Responsibility and Disclosure Act '' requires that card issuers allocate payments in excess of the minimum payment to the balance with the highest interest rate. The key phrase here is in excess of the minimum payment due. It continues : Heres the bottom line : To assure that your purchase is paid in full and does not accrue any interest, you will need to make a payment that totals the amount of your purchase plus the minimum amount due. which I have been doing. 
On XX/XX/XXXX and XX/XX/XXXX I called Bank of America. The first call was with XXXX. He looked at it and said it was because of the XXXX charge ( which I pay off every month ) .He couldn't explain why there is interest on the charge that I completely paid off each month. 
I called back and talked to another person and receive the same general info. Then I asked for his supervisor and the same non answer persisted. Twelve plus hours later ( about XXXX ) I called back 3 times but never got to talk to a person. The computer said there was nobody to take my call. 
Later I called a lawyer and they suggested I call the Florida bar. I did but due to the virus they were closed. 
Then I called ( got the answering machines ) both of my Senators. Senator XXXX 's office emailed me and suggested that I contact consumerfinance.gov and here I am.
Consumer complaint received 2023-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

So I have had a paypal account for a long time. For some reason last XXXX they said they were limiting my account permanently and that I would no longer be allowed to use paypal. They said they were limiting my account because I filed repeated unwarranted disputes but I only ever filed one dispute. So I appealed any they never got back to me like they said they would. Well I promptly forgot about it until today when I wanted to make an on-line purchase and the vendor only takes paypal. So I was not able to make the purchase. I called paypal and asked again, and they said they refused my appeal and my account will remain permanently limited. I am basically locked out of doing business with any company that uses paypal for it's payment processing.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2020, I opened a new checking and savings account with Huntington Bank in the branch with a banker named XXXX. Before I left the branch, I deposited {$400.00} in cash. 
On Monday XX/XX/2020, I activated my XXXX service through the mobile app. I received a payment from my Mom in the amount of {$670.00} for my rent. A coworker of mine purchased a phone case for me and I needed to pay her back. The recipient also banks with Huntington Bank and she activated her XXXX service through her mobile app as well. I sent her a XXXX payment for {$6.00}. 

Later that evening, I tried to log into my account via the mobile app and was told that there was suspicious activity on my account and I needed to change my password. I attempted to change my password 3 times and received an error on all 3 attempts. I was then sent an email stating that my XXXX payment for {$6.00} was suspicious and I needed to call in to reset my password. 

On XX/XX/2020 I spoke with customer service and was advised that my account was suspended/on hold until I went into the branch and verified my identity. I went to the branch at XXXX EST and provided a copy of my ID to XXXX and was told the hold should be cleared. I called customer service back at XXXX and was told there was no updates about when my account would be cleared. I asked why over {$1000.00} was being held when there was only a suspicious transaction amount of {$6.00}. They could not provide me with an answer. 

As a result of this hold, I am not able to pay my rent, and in addition to the limited funds I have as a result of the pandemic I am being severely aggrieved by the situation. I advised this to the customer service team on my call.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

I have repeatedly to to get a statement of l of my activity from Pay Pal. 
Synchrony Bank is now the new XXXX party financial institution that handles the old Pay Pal Credit account. 

I need detailed clarity on payments made to my Pay Pal Credit account ( Synchrony XXXX of all of my activity for XXXX. I need this ASAP.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent in documentation by mail and uploaded documentation online through the Transunion website because there are items that are supposed to be deleted from the credit bureau. They keep saying they are not receiving my documentation when I have proof of certified mail and online screen shots.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2020 4 fraudulent transactions at a XXXX in XXXX, GA for a total of {$830.00}. 
Claim number XXXX The fraud was executed by calling me from a spoofed phone number made to imitate Chases own customer service number. They posed as if my bank account had been used in Texas. They then proceeded to walk me through, with great accuracy, the steps to replace my debit card. While asking me the requisite questions they supplied me with a two-factor code to verify my identity. 

That code was instead used to add my debit card to a XXXX XXXX XXXX, a service I havent ever used. They then proceeded to make the fraudulent charges. 

I have filed and re-asserted my claim that this was fraud and I shouldnt be held liable but Chase has shot both of those claims down. All under the pretense that me giving that two-factor code to them justifies the dismissal. My last conversation took place on XX/XX/XXXX. The agent would not re-open my claim. I asked to speak to a supervisor and was told I would be contacted in 3-5 business days to discuss the issue further. 

Its has obviously been much longer than that and I havent heard anything from Chase since. 

At this point Im not sure who to turn to for help, and a friend suggested the CFPB. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

On XX/XX/2020, Nissan Motor Acceptance Corporation posted a payment of {$19000.00} to my account. I attempted to reach NMAC several times via phone and live chat, but was unsuccessful. I assumed that the payment was made by a family member or a philanthropist attempting to assuage some of the stress related to the pandemic. On XX/XX/2020, I logged into the NMAC website and saw that my account was closed. I received a letter certifying that my contract was fulfilled, and my lien was released. On XX/XX/XXXX, I logged into the website again to find that my account was reopened and past due. I have still had no success reaching a representative.
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

PHH Mortgage notified me in mid XXXX that I was delinquent making my XX/XX/19 payment. I had made the payment on time. I have made all my payments on time. Upon querying my online account my payment history indicated I had made the payment on time. However, my home page indicates I currently owe the payment plus late fees. I have been unable to speak with any PHH employee due to 17-28 minute customer service wait times. I submitted a message through the company message system with no response. PHH has threatened to report to the credit reporting agencies that I am delinquent.