davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC (CA)

We requested a payoff statement from Selene Finance on XX/XX/year> via email to XXXX. Two days later we received an email back stating they could not find a valid account number with the property address given ( which was correct ). I replied to customer service on XX/XX/XXXX with a valid loan number for this property, still haven't received a payoff. Then, on XX/XX/XXXX, the escrow officer handling the sale of this property asked for the payoff again, so we called their customer service at XXXX PST by phone at XXXX and could not reach anyone due to " high call volume '' and no way of leaving a message. In doing so, the answering system gives a different email address for payoff requests so we emailed them at XXXXXXXX XXXX another request ( payoffloanadvisorgroup.com ). They emailed me back at XXXX PST saying they would forward the request to customer service! Around and around in circles we go!!!! I called in again this morning around XXXX PST, spoke to an agent who assured me they would send a payoff within 1 hour. Now almost 4 hours later, nothing has been received. We are scheduled to close escrow in five ( 5 ) days and can not seem to get any resolution to this matter.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MN)

I have disputed the following inquiries on my credit report multiple times. Equifax has continued to let these improper inquiries remain on my report and call the FACTUAL without providing me with proof of such. I am requesting the following be removed from my report ; XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I recently received a copy of my ( Equifax XXXX credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX SSN : XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IN)

I am writing in regards to my Coinbase Account. 
XX/XX/XXXX : I tried accessing my account had to reset my password. I could not get into my account after resetting my password. 

XX/XX/XXXX : I tried accessing my account again on XX/XX/XXXX and I was asked to submit my Drivers license and photo for verification purposes. After submitting these forms of ID right away ( XXXX ), I received an email that the company was unable to verify my ID information with my account. 

XXXX XXXX : I submitted my IDs again for verification and received the same response that they are unable to verify the information I supplied with my account. 

XX/XX/XXXX : I received an email from Coinbase Support XXXX and a case number was provided to me ( case # XXXX ). They say, " Our team is working hard to answer customer inquiries in a timely manner, but you may experience longer response times. '' I have read through any tips provided on the help sites to trouble shoot anything that could be related to the verification process, but have not been successful. 

Thank you for reviewing my complaint -XXXX XXXX
Consumer complaint received 2020-09-26
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (NY)

Collection Company Name NCB Management Service XXXX. XXXX XXXX XXXX, PA, XXXX. 
Account : XXXX NCB file : XXXX contact XXXX NCB is collecting a debt from XXXX XXXX for balance of XXXX. XXXX XXXX claim to still owe this account. Yet hid my information to be part of the lawsuit. I was going to fie bankruptcy. But out it on hold due to the fact of lawsuit against XXXX XXXX XXXX. They falsey claim that the case has been settled which is not when you check the website. I am in the process of mailing a complaint to the P.A. attorney General about this company. 
They are very rude and stated I have to paid the debt. 
I had sent a letter to work out the debt but they did not respond. 
But when I called they play head games on the phone with me concerning XXXX  lawsuit. Like they did not want to answer question. Yet this collection company is attacking all 3 credit reports. I ask them not call me demanding over 500 month paid a debt that I can not paid. Which they have contact former employer and old address using third party verification stating I gave them permission contact these people. Which I did not. I ask that you contacted them and XXXX XXXX. To eliminate this stituation. These two companies are not friendly at all. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Bank of America refuses to close my paid in full credit card the card is gone since XXXX XXXX XXXX still open ... .Executives office refuses closing ... many emails many calls XXXX IN XXXX North Carolina says file with u please assist
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMO Bank, N.A. (CA)

I do not recognize any of these inquiries, upon checking my credit report these are the inquires I found. These inquiries violate multiple laws, one of which is 15 U.S. Code 1681b Permissible purposes of consumer reports On XX/XX/XXXX, XXXX XXXX XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX NA inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud.
Consumer complaint received 2024-02-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc. (TX)

When I applied for the furniture loan, I signed up for 12 month XXXX interest. I spoke to a Tower Loan representative and she tried to get to to agree to 24 month payment. I specifically said NO and agreed to the 12 month plan. Well I went to pay my first payment and it's setup for 24 month.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc. (IN)

Monarch Recovery Management at no point had permissible purpose to obtain, request, or review my consumers report pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). According to 15 U.S. Code 1692 ( b ) Monarch Recovery Management is a debt collector. Monarch Recovery Management previously obtained this account as a result of material misrepresentation, fraud, lack of permissible purpose & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ), 18 U.S. Code 1028A ( a ) ( 1 ) ( 2 ) and IC 35-43-5-3.5 & IC 35-38-1-2.5. 
XXXX XXXX  did not legally obtain my consent to sale, transfer, assign, or disclose any non-public personal information pertaining to this account with Monarch Recovery Management or any other third part as regulated by 15 U.S. Code 6802 of the GLBA. Additionally, XXXX Bank failed to provide the consumer with FULL disclosure at the initial signing. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (OH)

I need the lady that called me on XX/XX/XXXX to call me back to give me details on my check that she said i will be receiving in 7 days. I need to know if or when it will be sent. I'll be sending complaints until i receive word of my check coming.
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$27000.00}. The loan was financed through Bank of America. The purchase price had a 2.23 % interest rate and a Finance Charge of {$1500.00}. My monthly payment is {$480.00}. 

I contacted Bank of America Customer Service three times requesting the original loan information, per diem daily rate and if this was a front-loading interest contract. Each time, I was assured the statement was mailed. After not receiving the requested information, I went to the Bank of America Branch located at XXXX XXXX XXXX XXXX, XXXX, VA on XX/XX/XXXX and spoke with XXXX XXXX three times and he indicated he would not be able to provide a written breakdown of the monthly Finance Charges until next week. He indicated it would take time for this statement to be generated. He did provide two ( 2 ) printouts that were dated XX/XX/XXXX, that was faxed. The first document was an Account Transaction History, and the second document was a generic form on how to calculate interest. This document did not detail my personal loan. It was a generic document ( attached ) that was was not relevant to my auto loan. 

I have been charged Late Fees after paying my note on time. I was able to get some of the charges reversed after catching the errors. However, Bank of America attempted to withdraw {$48000.00} on XX/XX/XXXX, from my checking account from XXXX XXXX XXXX XXXX ( XXXX XXXX I may have inadvertently typed {$48000.00} instead of {$480.00}. But my payoff balance was only {$15000.00} and without my permission the bank attempted to withdraw {$32000.00} from the same account on XX/XX/XXXX. This does not make sense. On the bottom of the faxed Account Transaction History, it states, If you wish to pay off your account, you must obtain payoff information. Please call XXXX. I never contacted Bank of America requesting a payoff. 

Finally, I understand that Bank of America is a for profit entity. Finance charges are part of the business. However, {$94.00} a month is not reasonable. I have requested over and over again for Bank of America to explain how they calculated the {$94.00} monthly finance charge ; to no avail. I earned the right to have a 2.24 % interest rate by paying my bills on time and making sacrifices to pay off debt. It took me a long time to establish great credit. Please ensure Bank of America act with honesty and integrity and fix this issue.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Conn's, Inc. (NV)

Conns Home Furniture refused to allow a differed arrangement due to Corvid 19 pandemic and insisted that I have to catch up with payment even though I tried to explain to the company on different occasions of my financial struggle due to the Corvid 19. The company representatives that I spoke to on different occasions agreed that I could pay partial payments if I could not pay the whole monthly amount. I had been doing just that as a sign of good faith. But after making such payment, their collection dept keeps calling for more money. They reported to all the credit bureaus that I am 60 days late even though I was making partial payment during the Corvid 19 pandemic that is still raging across the country. As a result of their actions reporting a Negative information to the bureaus, my credit suffers and and I want they to remove the negative remark. I was making partial payment as required by law. The company representative stated to me that the company has nothing to do with the report and that it was the bureaus that reported such. I explained to her that the bureaus do no generate any negative report unless Conns gave it to them.
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

In XXXX my husband and I filed for bankruptcy. We filed chapter XXXX, so that we could make payments and keep our house. During the course of our bankruptcy our mortgage was sold a couple of times and ended up with a company called Shellpoint. Since they took over our mortgage is XXXX of XXXX they have refused to take out payments causing us to fall behind in our mortgage. I have tried calling them only to be transferred from person to person and putting on hold literally for hours at a time. I have tried emailing them with no response and sending faxes. They are claiming that we are 30 months behind when they have not even held our mortgage that long and all past due payments were made to the pervious mortgage companies. There negative reporting has also had a dramatic effect on our credit scores which we have been trying to rebuild post bankruptcy ( our bankruptcy was discharged in good standing XX/XX/XXXX ). We just need them to communicate with us, so we can make arrangements to pay our default which they have caused by not accepting our payments.
Consumer complaint received 2023-02-09
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-01-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (GA)

I XXXX XXXX entered into a consumer transaction with WELLS FARGO and XXXX XXXX. These two organizations violated my consumer rights and Federal Law. There was a Finance Charge involving this consumer transaction which is the sum of all charges according to Truth In Lending Act. I was manipulated into making monthly payments and paying cash down for this vehicle. WELLS FARGO and XXXX XXXX did not disclose my right to rescind. This is a violation of my consumer rights.
Consumer complaint received 2024-02-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wilber and Associates, P.C. (AZ)

I am writing to complain about the debt collection practices of Wilber and Associates , P.C . I received three letters from the company dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, regarding a debt that I allegedly owe. 

However, I believe the company has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : 1. Failure to Send a Debt Validation Letter : They did not send me a debt validation letter within five days of initially contacting me, as required by the FDCPA. The first letter I received was dated XX/XX/XXXX, and the initial contact was on XX/XX/XXXX. 
2. Threats of Driver 's License Suspension and Vehicle License Plate Removal : The letters state that they may request the suspension of my driver 's license and/or the removal of my vehicle license plate registration, depending on the financial responsibility laws of my state. I believe these threats are misleading and harassing, and they violate the FDCPA 's prohibition on unfair debt collection practices. 

I was not initially aware of the 30-day window to dispute the debt. However, upon learning about my rights under the FDCPA, I promptly requested debt validation on XX/XX/XXXX. However, Wilber and Associates continued collection efforts and did not respond to my request.
Consumer complaint received 2023-02-09
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 ()

Paypal permanently limited my account on XXXX XXXX XXXX PST Time with my fund of XXXX dollars that I can't withdraw.I tried contacting Paypal XXXX it but they said it's final. Thank you so much.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TN)

I received my Sagestream credit report and attempting to dispute information that was not correct but the company did not respond. Sagestream wrote that they use date received from XXXX so I will be adding them to this complaint. I am attaching the disputed information to this complaint.
Consumer complaint received 2021-01-08
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NJ)

It shows that the company Jefferson systems LLC opened the account on XX/XX/XXXX and was last updated on XX/XX/XXXX on my credit report. 
account type : debt buyer. 
Status : Collection account. {$160.00} past due as of XX/XX/XXXX. 

I was never notified of this debt by Jefferson Systems LLC and only found out about this collection by checking my updated credit report. They gave me no notice of debt or the ability to dispute this debt before adding it to my credit report. Due to this I now have 1 account in collections and a drop of my score. I do not claim this debt and have sent them a certified letter requested verification of this debt along with a statement informing I never received any information regarding this debt from them at all. I have also started a dispute with the credit reporting agency and have started this complaint.