davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

XXXX XXXX / XXXX XXXX is reporting a serious delinquency on my credit report. I tried to resolve the issue with XXXX XXXX when it arose. I was never aware of the charges, nor did I receive a statement. I requested documentation of receipts and never received any. I finally paid the bill. They are reporting that I was seriously delinquent and I have no idea what the charges were, what they were, or whether they were mine. 

According to comments on my credit report 1st delinquency was XX/XX/2018, first reported XX/XX/2018. It makes no sense to me. It was a relatively tiny amount, I have no late payments on any other accounts. 

I am not and was not aware of any charges on this account
Consumer complaint received 2018-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This company called portofolio recovery keeps calling my cell number with different numbers every day about 3 to 4 times a day I do not have A medical debt with them they keep asking for A XXXX XXXX XXXX and I have told them you got the wrong number and then they get rude with me and I end up hanging up I want it to stop please
Consumer complaint received 2020-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2020 I attempted to send money to someone via PayPal, which I do on every payday. The recipient indicated they had not received a notification and I subsequently attempted to send it again. After the second try, I contacted PayPal who indicated the delay was caused by a negative balance in my PayPal wallet. I proceeded to bring that balance to {$0.00} and the PayPal agent advised me to attempt a 3rd payment to the recipient and that he would cancel the first two attempts. I did so, and then called my bank to make sure there weren't 3 attempts to send money. On the following Monday, all 3 payments were deducted from my bank account. I attempted to work with my bank and with PayPal to resolve the issue and there was no resolution. Since all 3 payments were deducted, my checking account went negative, resulting in an overdraft fee of {$74.00}. My bank also returned a car payment and charged me {$37.00} for a returned item fee. There is also now an additional overdraft fee pending on my account for {$37.00}. My frustration is that I worked directly with PayPal to resolve the potential issue only hours after the first 2 payments to the recipient were attempted. The recipient has now received all 3 payments, returned the 2 erroneous ones to me and my checking account is in good standing, however, I am out {$110.00} for fees with an additional {$37.00} fee pending. I would like PayPal to reimburse me the fees that could have been avoided had they properly cancelled the first two erroneous payment attempts.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (MA)

I have experience MULTIPLE fraud charges on my card in the course of 2 weeks ( XX/XX/2022 ) and TD Bank has been less than helpful in addressing the issue. I NEVER received fraud alerts for the first XXXX fraud charges that were all from the same vendor on 1 day. Then I received another fraud charge 2 weeks later ( on XX/XX/2022 ) from another vendor. As a lifelong customer of TD Bank, their statements about " some transactions will unfortunately not trigger a fraud alert '' is unacceptable. I have to wait almost 30 days for a decision to be made on the first dispute and they are not listening to ME, but contacting the SUPPOSED vendor for confirmation of the charges. 

I expect better treatment as a customer and don't want my credit to be affected - these fraud charges have already cost me close to {$300.00}.
Consumer complaint received 2024-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NV)

Im trying to get into my Coinbase account because I know I have money in my account. However I dont have access to my old email but know my password. I went through their identity verification where I took a picture of my ID and recorded a video of myself. They provided a recovery pin XXXX but once I continue it says were having trouble connecting even though my internet connection is fine.
Consumer complaint received 2023-01-18
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. (MN)

I sent a letter on XX/XX/XXXX, requesting you to remove fraudulent accounts and information was well as the unaithorized inquiries that are UNKNOWN to me. I came across the Federal law and according to the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included these fraudulent accounts and information in my previous Complaints & I am including it again. Please once more, I request of you to please remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, please send me any documents you found along the wat if your investigation for me to verify my self about these disputed items. If you find no documents claiming that the items have been verified, immediate removal of the disputed items will be greatly appreciated.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (AL)

Albous & Associates P.L.L.C is contacting me even by emails saying that I owe XXXX XXXX XXXX {$190.00} according to contract. I already canceled my membership with XXXX XXXX XXXX and still get emails from them saying my membership is still active. Before I joined on a contract I told them I was not interested they continued to keep calling me asking me to sign a contract I finally had to go in and sign a contract. After I sign the contract the calls stopped but I never went in the establishment or used the equipment. The calls started again when a payment did not go through as they were overdrafting my bank account without permission. I had to close the card and everything. They kept calling me saying I owe Maintance and cleaning fees? For what? Why? I never went to the gym. I never used the equipment. I never broke anything as I did not use anything at the business. I never even bought any drinks from vending machines or use locker rooms. So how do I owe any fees for something I did not use? Why should I pay for damage or cleaning for someone else?
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (CA)

XXXX XXXX, NMLS # XXXX called my wife-and then me-to ask us if we wanted to refinance our mortgage. Claims he works for XXXX Bank. However, the consumer access web site for the National Mortgage Licensing System ( NMLS ) shows that his status is inactive and that he last worked for Guaranteed Rate , Inc. 
Seems that if his license is not in active status he should not be taking an application for a mortgage. 
His phone numbers are : ( w ) XXXX and ( cell ) XXXX.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

I leased a vehicle from GM financial. For three years I made payments on time, and after going through the return process, I made my close-out payment on XX/XX/XXXX. At that point, the account was completely clear. Never at any time was I made aware that GM financial viewed my account as being past due or delinquent.

On XX/XX/XXXX, GM financial notified XXXX  ( and probably the other two credit bureaus as well ) that my account was delinquent. On XX/XX/XXXX, GM Financial notified XXXX that my account had been improved. I had had no contact with GM Financial regarding my account subsequent to my last payment on XX/XX/XXXX, so whatever " improved '' the account had nothing to do with me. 

GM Financial 's erroneous report of my account being delinquent has decreased my credit score considerably. I have custom-ordered a vehicle, and when it arrives, I need my credit score repaired or I may not get the best terms on a loan.

I have attempted to contact GM financial via their customer service line several times. Every time I've called, I've been notified of unexpectedly high call volumes and gave up after being on hold for 15 minutes or more. On XX/XX/XXXX, I initiated a chat session via their web page, and after a substantial wait, an agent reviewed my complaint and agreed that my account was clear as of XX/XX/XXXX and indicated that I should receive some sort of notification via email that the issue was being resolved within 24-48 hours. Having received no such email, I again attempted to contact GM financial on XX/XX/XXXX via chat ( so the responding agent could see the message thread from the previous interaction ). After waiting over 30 minutes, the agent again agreed that my account had been cleared as of XX/XX/XXXX and  had said that he/she had " submitted [ my ] account for review ''. I was notified that the fastest a correction could be made to my credit report would be 30-45 days, depending on the results of the review. I was also notified that the agent could give me no time frame for the review, and I have no way of knowing if it will happen or monitoring the outcome. Furthermore, the chat lasted over an hour. 

Because GM Financial crushed my credit without merit causing me immediate financial difficulty, and because GM Financial has provided me no way of knowing when or if the problem will be resolved, I am filing a complaint.
Consumer complaint received 2023-06-13
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)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Previous vehicle sold to me were under false pretenses and misleading information. The vehicle had manufacturer defects as it was just redesigned with defects that weren't found during manufacturing. A similar vehicle was obtained to replace the defective vehicle and several ( 15 ) credit inquiries were made to approve a line of credit to finance the vehicle sale. The attached retain installment contract is not accurate and the dealership along with the manufacturer needs to remedy the situation by replace and repurchase the vehicles and any and all possible solutions to rectify the situation to avoid litigation.
Consumer complaint received 2019-11-26
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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that this account is not mine and that my identity may have been stolen which I have included with this letter.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 



Failure to comply shall lead to complaints being filed with XXXX with the Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft whos credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA )
Consumer complaint received 2022-01-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Coast to Coast Financial Solutions, Inc. (KY)

The following Violations were violated as a consumer - 15usc1692 ( B ) " an attempt to collect a debt '' is language that indicates your in the debt collection business which is a direct violation of 15usc 1692 ( b ) 5 -1692 ( C ) being contacted at a time that is inconvenient for the consumer -1692 ( C ) did not have my prior consent to contact me, the consumer at all which included via mail, telephone and email.
Consumer complaint received 2020-03-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (PA)

The Professional Collections Bureau of Maryland took my {$740.00} tax return when I never received any written communication from them and I was unaware they had any involvement with my student loans because I just completed a loan rehabilitation program and have a letter stating that my loans had been removed from default status. Repeated phone calls to this company go unanswered and always go to voicemail
Consumer complaint received 2022-09-30
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. (NY)

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items/information from my credit report : Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX US Credit Card division places a 26 % APR on credit cards ... ..these are predatory percentage rates similar to a " pay day loan '' rate. Also, whenever, you request a credit line increase from this company, they place a " hard credit inquiry '' on your credit report. 
I have XXXX credit cards. All are at a zero balance. I have an XXXX credit score. Every " hard pull '' credit inquiry hurts my credit and stays on my inquiry with the bureaus for 2 years. 
This punishes a customer for asking for a credit line increase. Every other credit card company uses a " soft pull '' for credit line increases or history with the account for the purpose of credit line increases. I do not accept these " hard inquiries '' being placed on my credit file. I have a PERFECT record with XXXX on all 3 accounts with their company. However, I have 6 " hard pulls '' on my credit file for asking for credit line increases which have always been approved. But, I don't want or accept the " hard pulls ''. 
This action must stop. It hurts the consumer 's credit rating by doing a hard pull and stays on their file for 2 years. I've contacted XXXX but they state this is their SOP and it will remain this way ... .PERIOD.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

In XXXX, I was saddled with debt that included unsecured credit card debt, auto loans, open revolving accounts. 

From XX/XX/XXXX until now, I have faithfully retired all of the credit card debt except one, paid off an automobile, paid down the second car to {$2000.00}, and continued to pay EVERY debt on time-EVERY debt paid on time. 

However, instead of a steady improving credit score, my credit scores constantly go up and down even when there is zero change in debt load and all payments required are paid on time. 

From the credit reporting agencies, I receive daily requests advising me to apply for unsecured credit cards as a way to improve my credit scores-the polar opposite of what I want to do-acquire more debt. 

This is really a consumer nightmare : to work feverishly to improve credit scores only to receive up and down scores that are inexplicable. 

With a credit reporting system that hustles for credit card companies and does not reward debt reduction and on time payments-repeatedly, a consumer does not stand a chance. I am trying to qualify for a mortgage and for some reason unknown to me, my credit scores are not improving. Why? 

Please investigate and note my payment history since XXXX until now and tell me why my credit scores do not reflect my on-time payments and debt reduction.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

I discovered paperwork regarding a judgement at my childhood home the other day that my mother had signed for unbeknownst to me. I researched the the company that filed it and called the toll free number for XXXX, XXXX XXXX XXXX XXXX. I waited on hold for XXXX minutes and decided to hang up because the automated system suggested I send an email to XXXX. To date, I have not received a response to that email. I decided to call back on XX/XX/XXXX. After a XXXX minute hold time, my call was answered and I requested that they mail me verification of the debt and that I could afford to make a XXXX time payment to settle the debt. I offered to settle it for {$1300.00} and was informed that my offer would have to be considerably higher than that. I said I would just wait for the verification of debt and hung up. I have not received the verification letter. Today, XX/XX/XXXX I decided to call back and check on the status of the verification letter. After a XXXX minute hold time, I spoke to an XXXX at extension XXXX. I said I wanted to follow up and see if my offer got any response. He said there was nothing noted on the account. In a nutshell, XXXX was very professional and I reiterated my initial offer of {$1300.00} to settle and he said the best he could do was {$2700.00}. I said the most I could afford would be {$1600.00}. I informed him that I understand that debt XXXX, like his company, buy the debts around the industry standard of 4 % and because of my financial situation, {$2700.00} is an unattainable number. I have had to deal with about XXXX other collection companies and all of them have negotiated the debt at half of what was owed or less. I dont understand why XXXX XXXX XXXX XXXX XXXX XXXX XXXX not negotiate in good faith, particularly under the consideration that they paid roughly {$140.00} dollars to buy {$3300.00} of bad debt. This is astonishingly greedy. Not only that, in order for me to obtain any credit in the future, their judgement will prevent me from obtaining more favorable credit conditions.
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

Continuous phone calls all day from a collection agency. When I answer they hang up. When I call the number back they say I owe money to XXXX insurance which I do not. They are incorrectly reporting on my credit report and it's causing a hardship.