davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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: Neon Newco Corporation (IL)

I have been with Netspend card company about 6 years. I get direct deposit for my ssi. On XX/XX/XXXX, I got my direct deposit on my card. I could not use it so I called them and asked them why? They said it was some kind of fraud on my card?? I said ok. They said they would send me another card. I said ok. I never got the card.? So after a few days I kept calling asking them could they please send me another card to use because I have to pay bills. They said if I send them XXXX dollars they will send me a expedited card. I said ok. I got the card. I tried to use the new card I still could not? I called them on the XXXX of XXXX and they said I have to first send them some documents to prove that I am XXXX XXXX. I sent them state Id. Social security card. 5 pieces of mail. Human Resource letter statement that I get food stamps. All of this. They sent me back a email saying they want more?? I keep telling them I dont have anything else. I finally found a letter that a credit card company sent to me for a loan. It had my address on it also. I sent that to them. They still tell me they can not activate my netspend card??? My rent is behind, and my bills are due!!! I keep telling them that but they still will not send me my money. If you all can help me please do. I think their company is a fraud! I told them they probably spent my money. I am disappointed at them. I read on line that they have been sued for XXXX dollars. Now I understand why they dont want to let my money go. They are a company that seems to be defrauding people out of their money again.!!
Consumer complaint received 2021-01-06
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. (CA)

I have been disputing incorrect late payments with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-01-06
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. (FL)

I have notified the credit bureaus that the XXXX XXXX XXXX debt showing on my reports is not mine and that I am a XXXX. I asked them to correct this and to remove it and it has not been done. This is my 3rd time contacting them about this matter.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

To Whom It May Concern : This letter is in response to your recent claim that XXXX   XXXX XXXX XXXX XXXX XXXX ( XXXX ) has verified that the account they are reporting under my name is accurate. I have recently been informed that there is negative information reported by your company in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have failed to post payments and other credits, charges that list the wrong dates and Metro 2. These are false allegations and I challenge the accuracy, compliance and reportability of this listing. I do not consent to e-oscar or any means of automated verification.
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

XXXX way to go on not doing what the law requires. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying Credit Acceptance and they are NOT in compliance with FCRA reporting and your bureau did a XXXX-XXXX  job on looking into this. All I want is this corrected IMMEDIATELY!!
Consumer complaint received 2020-08-18
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. (GA)

XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

Hello - My name is XXXX XXXX. I have been with My Loan Care since XXXX and it is always an issue with this servicer. They purchased my loan a few years ago and I was originally with XXXX. They constantly causes my insurance to lapse due to their lax policies on payments and this was an issue last year and an issue again. What can I do to prevent this from reoccuring or can I switch to another servicer since this is a Fannie Mae loan? I have asked on numerous occassions to remove PMI as I have been paying that since XXXX or to modify the loan to a lower interest rate. They never respond to inquiries or anything. 

XXXX XXXX
Consumer complaint received 2021-01-06
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXXXXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

XX/XX/year> Deposit sent to my account after this account is frozen i call XXXX number to see they tell me accounts being closed nothing i can do. I need money to pay my bills/rent Issue is with US Bank Account nunber XXXX
Consumer complaint received 2021-01-03
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 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. XXXX is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. XXXX is reporting the same as XXXX, and XXXX is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.
Consumer complaint received 2020-08-18
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. (MI)

Experian, XXXX and XXXX I am sending my Affidavit from the Federal Trade Commission which state the student loan for {$49000.00} is fraudulent and not mine. 


The FTC advice me to close this account due to identity theft. I have filed a police report. The Department of Education has already started an investigation. The student loan for {$49000.00} is fake because XXXX XXXX legally was not my lender nor owner of my student loan. XXXX never sent me any legal document I signed for a loan in the amount of {$49000.00}. XXXX never sent Disclosure statements required under the Higher Education Act. Truth IN Lending. So close this account while the investigation is in process with the FTC and Department of Education and other law enforcement.
Consumer complaint received 2019-04-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP (TX)

I was called on my wireless phone by texas power finance and they asked me if I needed an installment on-line loan.I said, ok, sure.The loan principal is XXXX with 6 monthly installment payments deducted from my checking account at XXXX XXXX.I have made 3 payments.The 1st payment was XXXX.The 2nd payment was XXXX.The 3rd was XXXX.Now my next payment is XXXX.The problem is that the payoff amount for the 4th payment cycel is XXXX which is greater than the principal loan amount.Texas state laws apply here, despite any contractual agreement.I did not agree to my pay-off being XXXX   after 3 payments.I do not think Texas Interest laws should allow this type of interest hacking-gouging to prevaile.My payoff amount after 3 payments should be below the XXXX principal amount.I hate interest gouging.
Consumer complaint received 2021-01-03
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: Self Financial Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2020-08-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America charged my checking account twice for my XX/XX/XXXX, Mortgage {$1300.00}. I have called BOA on XXXX talked to XXXX I was told the money will be returned in 3 days did not happen, XX/XX/XXXX talked to XXXX same thing a couple days, XX/XX/XXXX XXXX said it will be 3 days but I will give you a C # SR XXXX, XX/XX/XXXX talke to XXXX a couple of days, XX/XX/XXXX XXXX said you will get your overpayment, today or by XX/XX/XXXX, I am still waiting for the overpayment, and I did file a complaint with the XXXX C # is XXXX. PLease Help Me. Thank You XXXX XXXX
Consumer complaint received 2022-06-03
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, the following companies has violated my rights XXXX XXXX XXXX and XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX Personal Loan Companies XX/XX/2021 Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX, personal XX/XX/2021 XXXX XXXX Personal Loans Companies XX/XX/2021 XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15U.S.C. 1681 Section 604A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I was in the middle of negotiating a payment plan with the doctors office I had recived treatment from- 'XXXX  XXXX XXXX  '. She left a message on my phone when I was at work on a Friday and threatened me that if I did not remit payment in full that day, she would send my account to collections-. When I got the voicemail I called back immidietly but it had been too late and my account had been sent to collections. I got a call from " Fidelity Collection Agency '' and they asked me for payment. I immidietly told them I was contesting the validity of the claim, I did not think the collection was valid, had been informed about the collection over voicemail and had not been given a proper time to pay. 
They ignored me and said that it was valid since it was with them now, and they wouldnt have unvalid claim ( this made no sense ). I asked for proof, they provided non. They were extremely aggressive, and warned me if i didnt pay it would ruin my credit and stay on my credit for years. 

They also lied about saying they send me a settlement offer by email, i never received it. When I asked to have it resent they refused. I am not comfortable with this.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Kuber Financial, LLC (NC)

I did not solicit this loan. My husband received an unsolicited letter in the mail from XXXX XXXX XXXX offering a pre-approved personal loan up to {$72000.00}. The offer states that rates start at 5.59 % APR. It is a time sensitive offer that expires XX/XX/year>. I am involved in the banking industry and was interested in the terms of the offer, so I read the fine print on the back of the letter. What was highly disturbing was the interest rates described on the back of the letter as follows : " This offer is for an unsecured, closed-end personal loan by a participating lender through Kuber Financial , LLC XXXX XXXX. All approved loans are made by a third-party, participating lender, not by XXXX. Loan amounts and loan terms, within the offer parameters, may vary depending upon borrower creditworthiness and lender requirements. Depending upon the lender to which a responding consumer is referred, the loan amount will be between {$5000.00} and {$75000.00} with interest rates ranging from 6.40 % and 299.00 % APR ... '' YIKES!!!
Consumer complaint received 2021-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Where do I start! 
I have had a COUNBASE account for trading crypto currency for over a year at first I didnt have a XXXX problem apart from constant fees that I shouldnt be paying! 
But I seem to keep chasing what I was promised in the so called percentages I was being showed I made? 
Once I had that percentage I then had the app tell me I didnt have enough of that coin to move? I had more than enough of any currency I wanted to trade to move my gains to buy another coin to prosper from up and downs in the app.i then found I had thousands of pounds stuck in coins I couldnt move at all! 
Loosing me over XXXX up to date apox if not more. 
I made many contacts to the so called COINBASE Support only to constantly have a robot push me round in circles! 
I have had nothing at all on all my complaints and its made me And people around me XXXX! 
I cant XXXX XXXX  Im having problems with the stress of no control and the loss of thousands and thousands of pounds not forgetting the money I would have and still would be making if allowed to transfer MY Money. 
They froze my account and stopped me moving my money but still let it be traded on a market.This is discusting abuse I feel destroyed inside XXXX and XXXX XXXX .please help me and thousands of other Coinbase customers as Im not alone. 
If my trades where allowed to be done Im shore I would have dibbled my investment if not more. 
We have all and still are being taken for fools. 
There is no support allso all Iv had is there platform trying to put adds on my personal page on face book! XXXX outrages.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing this complaint of my own accord. It is not a material misrepresentation and this was not done by mistake. This is a legitimate complaint because Bank of America has violated several of my rights as a consumer. 
Specifically the following : 1. ) 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. The Financial Institutions failed to provide such information, violating my rights.

2. ) 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers. The Financial Institutions, as furnishers of information to credit agencies, falls under this definition. The failure to protect the security and confidentiality of my nonpublic personal information is a clear violation. 

As per 12 CFR 1016.7, a consumer may exercise the right to opt out at any time. I am hereby opting out of the reporting services provided by the " agencies '' and the Financial Institutions '' who clearly violated my rights when they failed to inform me of my right to exercise the nondisclosure option. Thank you for your time and prompt action to help me remedy this
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Hello, My problem is I have been using Chase bank debit card since XXXX. I lost my debit card on XX/XX/XXXX and then called the bank to open a claim about it because someone took my $ XXXXThey added temporary credit to my bank account. When I check to my account today. They took money back. I called customer service and asked them. They just told your claim is denied because you told us my card is with me. Actually I am an XXXX student so I misunderstood their question for sure I lost my debit card also I have a police report. One of my friends recommended your website. Please help me to figure out my problem. They can check cameras or everything. 


Thank you
Consumer complaint received 2021-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (MA)

I pay additional money every. Month and they don't apply it to my balance I have called them seven times asking for this to be fixed I have been paying the extra amount for over a year and a half and they refuse to deduct it from my principal and just keep pushing the payment due date out and keep the loan amount high causing me to pay more in interest. The bank is M & T Bank and the loan is for my boat. I need this corrected and the principal adjusted please and they won't do anything for me and when I try to call the bank now I am out in hold for hours. As you can see by the attached document I pay more then the agreement and have been for a long time and the balance does not reflect it nor does the face they are charging me interest incorrectly.