davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (SC)

On the evening of XX/XX/2024 I did an XXXXnstant cash transactions with them. One for {$4000.00} and one for {$1000.00}. Nothing was showing that it would take 7 business days for them to release the funds. It did say that it could take up to 7 days. I waited until the following Tuesday to inquire and was told that it would take 7 business days to get my funds even though they came from my connected account. Ok so I waited until the 7 business days was up and my funds were still not released. I inquired about this and after waiting hours and they responded in the middle of the night. I was told that Monday XX/XX/2024 was day XXXX and that I needed to start counting from the XXXX. So the money was finally released on XX/XX/2024 at XXXX XXXX. I had already lost money having it sit in their system for so long so I transferred the remaining funds over to their Visa card. Well last night and today I have been looking for a way to put my funds back in my wallet after trying to send them to XXXX XXXX  and was unable. I called and then was told they would call me back. A XXXX called back and told me there was no way to put back in my account unless I wired {$5000.00} to my XXXX XXXX  from my bank account. He told me that when I had sent this wire to call him back and he would tell me how I could do it. Nothing on their site tells you when you transfer money to the visa card that you can not send back or transfer to your bank. I was told the only way to get the money off is to make a purchase or purchases for what is in the account. This is totally unacceptable as those are my funds and I should be able to do with them as I please and when coming from a connected bank account should not take 2 weeks to get. At this point I just want my money returned. With having this much problem why would I send them another {$5000.00} which I don't have to begin with.
Consumer complaint received 2020-02-19
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. (TX)

I submitted a dispute to Experian on XX/XX/XXXX after delinquent XXXX XXXX account was paid in full. Balance was updated, but XX/XX/XXXX was updated as charge off, after account paid in full. Original balance was {$130.00}, payment was {$140.00} on XX/XX/XXXX. 
Another dispute with Experian updating on XX/XX/XXXX updated goodwill  adjustments ( negative comments removed up to XX/XX/XXXX ),  but added negative comments to XXXX and XXXX, XXXX. 
Latest Experian dispute began XX/XX/XXXX and ended XX/XX/XXXX was due to negative comments to XXXX and XXXX. The update for this dispute was to move negative comments from XXXX and XXXX, XXXX to XXXX and XXXX, XXXX. 
Experian can not /will not remove the account from my credit, even though it is set to drop off in XXXX, XXXX, which I requested by phone on XX/XX/XXXX. Experian states that they can open another dispute, but can not guarantee that it will be correct. 
I sent a fax including the attached information to XXXX XXXX on Monday, XX/XX/XXXX. 
Each time the account shows as charge off in Experian, my credit score drops again.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (OK)

I have a membership with Experian for pulling my three credit reports with scores which cost {$29.00} per month. I was told that they receiving all of the information from all three credit reporting companies-this is not true, I pulled my credit as a tri-merger three times in the last 45 days and was charged XXXX. Each of these credit report pulls, show that XXXX is reporting only one collection, but I pulled my XXXX report directly from XXXX. That report shows 13 negative medical accounts on my credit report. 

When I contacted Experian 's customer support, they informed me that some times they don't get all the information from the other two credit reporting companies. And that their is nothing they can do, but they will refund me one charge. 

Then the rep tried to shut down my account so that I didn't have access to reports anymore.
Consumer complaint received 2017-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (AR)

I checked my credit on credit karma and it said that I had a new inquiry. I havent tried to get an inquiry since I purchased my bed in XXXX. Credit karma says its syncb/XXXX.
Consumer complaint received 2022-06-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

TRANSUNION Collections : XXXX ( XXXX XXXX XXXX  ) Balance : {$1100.00} XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) Balance : {$460.00} XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Balance : {$190.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$570.00} XXXX XXXX XXXX  ( XXXX XXXX  XXXX ) Balance : {$580.00} XXXX  XXXX ( XXXX XXXX XXXX ) Balance : {$340.00} XXXX ( XXXX XXXX XXXX XXXX ) Balance : {$240.00} XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$530.00} XXXX XXXX : XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$190.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$570.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$580.00} XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$340.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$320.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX  : XXXX XXXX ( XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Balance : {$320.00} XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$51.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX Balance : {$530.00}
Consumer complaint received 2020-02-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation (GA)

Hi my name is XXXX XXXX in XX/XX/2019 I received a check in the mail from Covington Credit that was cashable upon signing for {$560.00} to be paid back in 8 month installments of {$90.00}. with payments to start XX/XX/2019. I later got a call from South Carolina wanting to know if I had cashed the check. 
Within two weeks I got a letter from a office in XXXX, Ga. confirming the account. 
( XXXX ) Since that time I have attempted to PAYOFF this account. To date I have paid {$580.00} I am told I still owe {$220.00} Intrest. This is abusive. I want to pay it off without these excessive fees.
Consumer complaint received 2020-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (GA)

I buy a phone for {$900.00} from XXXX XXXX  XXXX XXXX I had paid it down to {$400.00} this phone came out in XX/XX/2014 I buy it in. 
XX/XX/2014 they are asking me to pay {$1000.00} I would like this off my credit report
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MD)

I have a conventional mortgage with PNC Bank, taken out in XX/XX/XXXX for a new home purchase in Maryland ( XXXX County ). I have been servicing this loan and have remained current on all my obligations to date, without a single delayed payment. 

Following significant investment in the property and general value appreciation, and taking into account independent expert advice I received, I came to the conclusion that I had achieved lower than 80 % LTV in  XX/XX/XXXX. 

I have filed a request to delete the PMI in XX/XX/XXXX. PNC took a long time to respond to me and they finally ( after a number of follow ups ) sent me a letter dated XX/XX/XXXX, detailing the processes that I would need to go through to delete the PMI. As required, I sent PNC a check to pay for the cost of an appraisal. 

The appraisal took a while to schedule and finally the appraiser contacted us and we scheduled it for Friday XXXX XX/XX/XXXX. Then, after a number of follow ups across a number of days, PNC wrote a letter dated XX/XX/XXXX ( which I received first week of XXXX ), indicating that the appraisal value for the property was {$630000.00} ( without sharing the appraisal report ) and that I needed to reduce my balance to {$500000.00} to delete PMI. 

As per their instruction, I immediately processed a principal reduction and reduced the outstanding balance of the loan to XXXX on XX/XX/XXXX, and contacted PNC Bank as indicated on their letter to let them know, so that they can delete the PMI. 

I still have not received the appraisal report and don't have a view whether this assessment is valid. I can not contest it without having the report. XXXX County 's ( Maryland ) tax assessment as of XX/XX/XXXX for the property is {$650000.00}. The PNC Bank appraisal value is below this. 

As of today, I have contacted PNC Bank four times between XX/XX/XXXX and today regarding the deletion of the PMI, having complied with every request and investor requirement. I still have not received confirmation on PMI deletion. Although I have made a principal reduction, I am still incurring PMI. 

I believe this is unacceptable behavior and felt obliged to report this to the CFPB. 

I look forward to hearing your views.
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc. (TX)

First Credit Services located at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX-XXXX-XXXX ) has a client by the name of XXXX XXXX located in XXXX, Tx. First Credit Services attached a debt to my credit report on XX/XX/2015 I have never in my life visited a XXXX XXXX. XXXX XXXX has my a different date of birth than I actually have. They also have an incorrect phone number and address. Both XXXX XXXX  and First Credit Services have failed to remove the {$110.00} from my credit report. I have tried to work with both  companies and it seems like there is not much more I can do one my own to fix this. I am asking the CFPB to please assist me in getting this false claim removed from my credit report.
Consumer complaint received 2023-02-21
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$4300.00}
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MS)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for.

Explain and show me how you calculated what you say I owe.

Provide me with copies of any papers that show I agreed to pay what you say I owe.

Provide a verification or copy of any judgment if applicable.

Identify the original creditor.

Prove the Statute of Limitations has not expired on this account.

Show me that you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

It was XXXX late payments reported for XXXX and XXXX of 2023 and I don't recollect having any payments late and this is a direct violation of my rights in the Fair Credit Reporting Act XXXX XXXX XXXX
Consumer complaint received 2022-06-04
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. (MO)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & XXXX XXXX ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & XXXX XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : 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 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 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

A ccount number : I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  60 days XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-05-30
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: CAINE & WEINER COMPANY, INC. (TX)

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-02-21
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. (VA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XX/XX/2019 2., XXXX XX/XX/2019 3., XXXX XXXX XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2020-02-21
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. (VA)

I have reached out to Experian on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX account number XXXX**** they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. Experian has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.
Consumer complaint received 2022-12-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX  XXXX, Inquiry Date : XX/XX/2022. 
Account name : XXXX XXXX, XXXX Date : XX/XX/2022 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 2017-10-10
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: WELLS FARGO & COMPANY (LA)

There was inquiry made by Wells Fargo on XXXX XXXX, 2017 by way of XXXX XXXX that was pulled by error. Enclosed is a letter from XXXX XXXX that was sent to Wells stating that fact that the inquiry was done in error. The inquiry still shows on my XXXX
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I went through annualcreditreport.com to pull my credit reports. I was able to pull my XXXX credit report with ease, however I was unable to pull my XXXX report and Transunion report. 

I went directly to experian.com and was able to pull my credit report for free. I went directly to transunion.com ; I got an error message and was unable to readily acquire my credit report.
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (MO)

On XX/XX/2022 it was brought to my attention that Navy Federal Credit Union has been collecting unearned interest which is a violation of ( 15 U.S.C. 1615 ). Also, Navy Federal Credit Union has not been applying/transfering my principal balance to my account and have told me after a phone call to customer service that they was going to charge me late fees and have put my account in collections because I haven't sent them Floating Rate Notes/ Federal Reserve Notes. Navy Federal is demanding that I send them a total amount of {$79.00} before the XXXX of XXXX. I'm trying the understand how Navy Federal thinks I owed them U.S. Currency which is an obligation of the United States? pursuant to ( 18 U.S.C. 8 ). Also, I have been sending my endorsed dividend check/ coupon/ remittance slip that comes on the bottom of my Bill to Navy Federal po box /LOCKBOX and Navy Federal has not applied them to my account or has not sent them back which is a violation of Uniform Commercial Code.
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

my account was closed I called the number given to me by the bank. after speaking to fraud department briefly, they hang up on me. I called again and no one wants to speak with me. I don't know why. So I called the number behind my card located in Florida. I explained what I had experienced they person seem nice to try to get me answers, I waited for the person to return back to me on my phone. It was quite and hung up again on me. So no one once to speak with me about my account.