davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-16
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: EQUIFAX, INC. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXXXXXX Account # XXXX Account : XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the fair credit reporting act XXXX U.S Dept of Ed/XXXX Account # XXXX AND ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Depted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (OH)

XXXX XXXX XXXXXXXX ET Submitted wire transfer for {$56000.00}. Wire status went from " requested '' to " reviewing '' later that day. 

XX/XX/2024 @ XXXX ET Called customer service to check status. 
Status of wire changed from " reviewing '' to " processing '' at approximately XXXX XXXX with an XXXX XXXX XXXX XXXX according to the " Status Tracker ''. Funds left my savings account. 

XX/XX/2024 @ XXXX ET Called customer service to check status. Was told funds were waiting for the Federal Reserve to complete the wire. Asked for written proof, but was told Ally can not provide a statement. Was assured the wire would be completed by XXXX ET. 

XX/XX/2024 XXXX ET Called customer service XXXX was told that funds were delivered. Checked the wire transfer status, it was not complete and funds were not delivered. 
XXXX ET Called customer service XXXX was told that the wire was being reviewed and would be processed in the order it was received. Asked to speak to supervisor. Waited on hold for about an hour and the call was disconnected. 
XXXX ET Called customer service XXXX was told the wire is in process, but they are backed up. Spoke to a supervisor. Was told I would receive a letter stating the reason for the delay and proof of the wire to give to the title company. Was also told customer service would call me back with an update. 
XXXX XXXX XXXX letter and no call back, so I am submitting this complaint. The wire still has not been completed and has been " processing '' for over 48 hours.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NE)

Back in XXXX there was several checks deposited into my account that was not mines nor that I didn't deposited and I was charged a nice fee. Then back in XXXX the same thing happen again both times I had to pay the bank back and open a new account
Consumer complaint received 2019-07-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ad Astra Recovery Services Inc (UT)

My checking account was comprised an account I do not use and I was a victim of identity fraud. Once I found out I closed the account and put a freeze on the my credit bureau. There was an online loan thru XXXX  XXXX completed without my knowledge. I contacted XXXX  XXXX  in writing and advised to not mail any correspondence to my home as I did not apply for the loan or use the funds. A few weeks ago there was a debt collection letter mailed to my ex husbands mothers residence. A home/address I have never lived at or applied for credit with. He opened the letter called the company and they discussed the terms of the loan, when the loan was taken out, that payments were being with a debit card. They gave him all of that info which in turn he calls me and wants to know why I have been taking out these types of loans. I had to get off the phone with him as I do not know anything about the debt. I am appalled that they violated my privacy. There is no reason he should know all of those details when I do not even know what is going on. This is caused alot of stress on me as I hae been dealing with the identiry fraud issue for almost 2 years now and now this is an issue as my ex husband should not have any knowledge of these things.
Consumer complaint received 2021-09-29
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. (NC)

I have had identity theft done to me and itis noted on the website of Experian and I have also taken the time to list it on this complaint. The following items does not belong to me. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXX. 

I also have a plethora of inquiries that are due to come off that doesn't belong to me. Here are the listing : XXXX XXXX - XX/XX/XXXX XXXX XXXX-XX/XX/19 XXXX XXXX XXXX-XX/XX/19, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX-XX/XX/2019 XXXX XXXX  XXXX-XX/XX/19 XXXX XXXX-XX/XX/19 XXXX XXXX-XX/XX/19 XXXX XXXX XXXX-XX/XX/19 XXXX XXXX XXXX-XX/XX/19 XXXX XXXX XXXX -XX/XX/19 XXXX XXXX -XX/XX/2019
Consumer complaint received 2021-09-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CA)

Since the winter of XXXX, I've been trying to re-apply for the " Rate Reduction Program '' that I was on from XXXX. When I initially inquired further about this process, I was told that it was available as an option to me given that it's the only solution that is affordable for me, and keeps my Sallie Mae monthly payments consistent and in good status. 

With that, I chose to put forbearances on my account ( which ended up being another issue they had to fix after I filed a CFPB complaint this summer because they kept telling me I was " approved '' but it wasn't being properly reflected in my account ). 

Now, I am back trying to figure out how to make my monthly payments affordable and the only options offered to me have been interest only payments that very slightly reduce my bill ( from {$520.00} to {$480.00} ) AND keep me in a delinquent status or pay the full monthly fee for three months to show good faith and go from there. 

Neither of these options make sense of me, my credit score, my financials, and Sallie Mae 's ability to get paid. These are not solutions, they are only mere alternatives to keep my interest rates high while Sallie Mae gets a payout. 

I need to get my interest rate and/or monthly payments reduced to be more aligned with what I was paying on their " Rate Reduction Program ''. On XX/XX/XXXX, my account manager and the various reps that I've spoken to have told me that they see that I SHOULD still qualify but for some reason the system is listing me as ineligible. My account manager XXXX XXXX informed me that he had no idea why and there isn't a way for him to see the reason for that. He mentioned that Sallie Mae has undergone significant changes this year so that could be the reason why -- but this is still super unacceptable to me. 

The max monthly payment that I can currently afford is $ XXXX/month. I need actual solutions from Sallie Mae and less of this unclear back and forth that makes me feel as though they are XXXX  with my account in an attempt to keep their business as profitable as it can be. 

This coupled with the miscommunication delivered in regard to my continuous need to apply for a forbearance on my account, has put me in a position where I feel like this company either is failing to implement new protocols and communicate them to consumers OR this is all a part of their plan to increase profits during the hardship that has been the Covid-19 pandemic. All at the expense and via the manipulation of the consumers wellbeing and shady business practices.
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

The one im referring to is PAYPAL hello. i've been using paypal for almost 5months now and this is the first time i in counter a problem with paypal. i got permanently limited due to a sale of unapproved file sharing services. My only purpose of creating paypal account is to add a payment method in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I didnt sell any file sharing services then how is that possible to limit my account for that reason? i tried to see all of my selling history but none of them are file sharing services can you help me to lift this false charge in my account please.
Consumer complaint received 2021-09-29
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. (NC)

I have had identity theft done to me and itis noted on the website of XXXX and I have also taken the time to list it on this complaint. The following items does not belong to me. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

I also have a plethora of inquiries that are due to come off that doesn't belong to me. Here are the listing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IL)

On XX/XX/2020 PNC bank let a charge for {$140.00} go through on my account with no money in my account. This has caused an initial overdraft fee of   {$36.00} the next day because I did not have the funds to deposit into my account. Since then I have been getting charged overdraft fees every single day which caused a total amount as of today for {$120.00}. My account is currently overdrafted {$330.00}. I put a stop payment on two charges so that they wouldnt go through so that was {$36.00} each that was assessed to my account. I dont mind paying those two {$36.00} stop payment fees because I needed them. called to let PNC know that I dont have funds to deposit until Monday XX/XX/2020. I also asked if I can have the overdraft fees waived on my account because I cant afford to pay them that much money. I spoke with a regular rep and a supervisor and no both said that they couldnt help me. PNC is very greedy and if I didnt need it to send a XXXX payment to my landlord every month I wouldnt have this account. I really need someone to please help me any way they can to waive the overdraft fees assessed to my account due to a charge for {$140.00} that went through with a {$0.00} balance on my account. Thank you so much in advance.
Consumer complaint received 2021-09-29
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: Experian Information Solutions Inc. (IL)

I filled out an application through XXXX XXXX for XXXX XXXX Their website claimed that I would be contacted within a few days. On the XXXX of XXXX I received email notifications that i had several new notifications of new credit inquiries. XXXX XXXX ran my credit report, and gave my information to countless credit unions and Banks without my authorization. On the XXXX of XXXX I put a fraud alert on my account. Today XX/XX/XXXX, I spoke to a supervisor at XXXX XXXX and explained my frustration that my information was given out without my permission. He was very nonchalant and did not seem to care that I was upset. I let him know I was going to file a complaint. Nobody from XXXX XXXX has contacted me until I contacted them today, on the XXXX. Apparently it is a common practice to receive an application and run someone's credit without speaking to the person first, which is frightening especially when credit is involved. None of the credit unions that have my application have contacted me, nor did they have my permission to run my credit.The following inquiries need to be removed as I did not authorize them. 
XX/XX/XXXX and XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Coinbase, Inc. (TX)

On XX/XX/21, I loaded my Coinbase debit card with {$1000.00} and attempted to make a purchase at XXXX with it. Due to an issue, XXXX cancelled the transaction at the register and sent my money back immediately. However, Coinbase has not credited my account back yet. 

I have phone recordings proving that XXXX has sent Coinbase the refund, and that Coinbase admits that they received the refund from XXXX. Furthermore, Coinbase acknowledges that they have not credited my account with the missing {$1000.00}. I have attached one such recording to this complaint ( it is in a .zip file due to the XXXX limit ). 

When I call Coinbase, they keep escalating the case to an email-only team that never responds. 

Coinbase case numbers : # XXXX, # XXXX. I also have several " escalation '' numbers.
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (VA)

Excessive interest of 28 %. Contacted company about lowering rate, would not lower rate. 
XX/XX/21 Asked company why I had made 17 payments of {$580.00} totaling {$9900.00} and only {$1200.00} had been applied to principal. Entire payment for 5 months was applied to interest and the XXXX only {$16.00} was applied to principal. Company explanation was this was simple interest and when my payment was made even though they were charging me late fees.
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (CA)

On XXXX a payoff check was sent to XXXX/Bridgecrest in the amount of {$67000.00} matching the payoff quote given to me by XXXXBridgecrest on XXXX indicating a 10 day payoff amount of {$67000.00} good until XXXX. 

The payoff check was received by XXXXBridgecrest on XXXX as indicated by my online portal at Bridgecrest.com. The account showed " Paid in full ''. 

On XXXX a check in transit for the next months payment was received by XXXXBridgecrest after the account was fully paid off and was cashed by them. The online portal showed it as a " NORMAL PAYMENT '' even after account was paid off. 

On XXXX I received a check from Bridgecrest in the amount of {$110.00} which does not reflect the correct overpayment for the payoff. I should have received {$110.00} for the time between the check was sent and the expiration of the payoff quote which I agree with, but I should also have received the additional payment that was received by Bridgecrest after the payoff and that was cashed by Bridgecrest. The amount of that check was {$1100.00}. 

In total I am owed a refund of {$1200.00} of which only {$110.00} has been paid to date by Bridgecrest. The additional amount still owed is {$1100.00} that was received and cashed by them after the account was already paid in full. 

Upon calling Bridgecrest at XXXX on XXXX at XXXX Pacific Time, I was informed that they have no timeframe on when I can expect my {$1100.00} refund and that it is still being worked on, several weeks after the account was already paid in full.
Consumer complaint received 2022-08-16
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. (CA)

I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, the Credit Bureaus have kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that the Credit Bureaus provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the following accounts corrected as soon possible : XXXX XXXX XXXX Balance Owed : {$1.00}, 604Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I received a letter from the national credit systems XX/XX/2021 stating that I owe a debt with an apartment complex Ive never stayed at in my life. I reached out to national credit systems XX/XX/2021 regarding this debt of {$450.00} and try to settle it because its damaging my credit which is actually being charged twice on my credit report. I demanded proof and they responded that the proof is only for them to see and they cant provide me with documentation however they did send me over the itemized list from the original creditor and its insufficient as if charges were made up. I have never stayed there and I want it deleted from my report. And I am willing to pay for a delete or settle the account ( due to my current financial standings ) and have it deleted
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (MS)

Today is XX/XX/XXXX. I submitted a wire transfer XX/XX/XXXX in the morning expecting a wire to send the same day. It did not send. It was reviewed and in processing on XX/XX/XXXX. I spoke to a supervisor, and they promised it would send that day. It did not. Then Wednesday passed, and it still has not sent. I spoke to another supervisor, and they could neither tell me when it would process, why it had not processed, nor any option to cancel the wire, the money for which they have already removed from my account. So, we are now on day XXXX of the wire transfer, and they will provide no answers.
Consumer complaint received 2022-08-16
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)

This is my XXXX endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and I complain to question specific records in my document coming about because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Section XXXX of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft Y XXXX XXXX XXXX XXXX XXXX, FL XXXX ; CHILD SUPPORT XXXX XXXX Date opened XX/XX/XXXX Balance {$27000.00} ; CHILD SUPPORT XXXX Date opened XX/XX/XXXX Balance {$27000.00} ; XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$0.00} ; Bankruptcy XXXX XXXXXXXX US BKPT CT FL XXXX Filed XXXX XX/XX/XXXX Reference number : XXXX ;
Consumer complaint received 2022-04-16
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-05
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. (TX)

XXXX and Transunion are incorrectly reporting late on the OAG CHILD SU partial account number XXXX. ( Please see pages 5 and XXXX of the attached credit report. ) This account was paid in full and therefore there are no late payments to report. Attached is a copy of my payment history from XXXX, XXXX to XXXX, XXXX from Office of the Attorney General Texas Child Support Disbursement Unit Payment Record. This incorrect reporting is harming my credit score and the line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus for remove this however, I have not been successful.