davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Complaint in re : XXXX XXXX auto loan. XXXX loan balance is incorrect. I have called a number of times to report this matter with XXXX and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written XXXX XXXX and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided XXXX XXXX with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of XXXX XXXX refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint in re : XXXX XXXX  auto loan. XXXX loan balance is incorrect. I have called a number of times to report this matter with XXXX and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written XXXX XXXX and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided XXXX XXXX  with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of XXXX 's refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Google Compare Credit Cards Inc. (IA)

Google is working with developers of online games which are supposed to be free to play games to force players into giving personal financial information to gamble money to play these games. Google ignores complaints by consumers concerning bogus offers by game developers and even goes hand in hand with developers to force players to pay real money to continue to play. This should be looked into by sending employees into the play for free games which have turned into pay to play games. There are examples of being locked out of games until the player pays real money. Only bank and personal financial accounts are acceptable to play and personal bank information is expected. Copies of this will be edited and forwarded to proper organizations and authorities. 
XXXX XX/XX/2019 2019
Consumer complaint received 2019-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

My home mortgage was recently purchased by the company Loan Care. 

I was notified of the switch via paper mail, and was told to go online help facilitate the transfer of the account. I follow the directions perfectly but their website refused to recognized my account number, after more than a dozen phone calls and hours on hold I finally spoke with a representative that claimed my loan was too new to be in their system? I received a new loan number but that has failed to work as well. 

Due to this I can not access any information on my account, nor can I see monthly statements. I have contacted them via phone, email, and even 'snail mail ' and STILL don't have access to my account, financial details, or apparently even the correct loan number. Apparently I'm not the only person to have this problem as I have seen numerous complaints online. The only reason I'm able to tell that I'm still making payments is that money is continually drafted from my bank account.
Consumer complaint received 2019-05-02
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. (MI)

On XX/XX/XXXX, I was notified that my FICO score had suddenly dropped nearly 100 points. As a responsible consumer with impeccable credit, I immediately requested my credit reports from all 3 credit bureaus. I discovered that GM Financial had reported a 60-day delinquency for XX/XX/XXXXand XX/XX/XXXX  on the lease turn-in ( final balance of {$1500.00} ) of my former vehicle ( a XXXX XXXX ). This balance was completely unknown to me, as I turned it in on XX/XX/XXXX ( while leasing a new XXXX XXXX ) with the understanding from the salesman that he had figured the remaining balance of the XXXX to be rolled in to the new vehicle payment. In my new vehicle, I drove away from the dealership with the understanding that the lease turn-in of the XXXX XXXX was completely settled. The salesman ( or the financing dept at the dealership ) never told me to personally contact GM Financial about anything whatsoever. The salesman obviously did not roll the remaining balance in to the new car payment. 

When GM Financial sent a final bill ( of {$1500.00} ), one final bill was sent to an old address on the account. As a result, I have never received the final bill to this day. However, the statements for my new XXXX XXXX were indeed ( and still are ) coming to my current address that they do have on file at GM Financial. 

I did pay the remaining balance of {$1500.00} immediately over the phone to GM Financial on XX/XX/XXXX. Although GM Financial made an error in mailing the final bill to the wrong address, they REFUSE to remove the FALSE 60-day delinquency that is still showing on my credit reports with XXXX and XXXX. I filed complaints with all 3 credit bureaus in XX/XX/XXXX. XXXX is the only bureau that corrected the problem and removed the 60-day delinquency for me. 

I have made endless calls to GM Financial on this matter and I have filed several complaints with XXXX and XXXX. Yet they refuse to remove the false 60-day delinquency showing for XX/XX/XXXX and XX/XX/XXXX. They only " Updated '' it as paid off as of XX/XX/XXXX. 
This is not acceptable as it is easy to see that I have had impeccable credit for all of my credit history of over 20 years. GM Financial claims that I should have called them when I turned-in the XXXX XXXX. How would I know to call them, when I had every confidence that the entire transaction was being handled by my salesman and dealership? The salesman ( or the dealership financing department ) never told me to call GM Financial about anything. Additionally, my billing statements for my new XXXX XXXX were coming to my current address. So why did they send one final bill of {$1500.00} to an OLD address? I have never received it and I did not know to expect it. 
GM Financial is falsely characterizing me as a negligent consumer by refusing to remove the 60-day false delinquency from my credit report. Whereas, I am nothing but a responsible consumer.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

sent two first class mail letter asking for hard copy of credit report from Equifax inc.Last letter sent XX/XX/XXXX, also phone twice XXXX XXXX XXXX XXXX .report never received.my name is XXXX XXXX born XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX phone number is XXXX XXXX XXXX my email XXXX .lived this address since sometime XXXX.i was told to not use middle name to prevent I d theft. please have Equifax send credit report .XXXX XXXX and XXXXXXXX  contacted same day as Equifax sent credit report.i need to correct some data on their report. thank you, XXXX XXXX
Consumer complaint received 2019-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

an individual whom I allowed entry into my house stole my debit card and misappropriated my funds. I reported this to my bank and they cancelled the card gave me a provision credit for the transactions that were disputed and issued a new card. Then a month later the bank sends me an email that says one thing though on the phone the say the opposite. On the phone they say that they are holding me liable for the transactions with the stolen card and they even went as far as withdrawing the full amount of the theft in other words XXXX dollars from another account i held with them without even doing a good faith investigation. I hired an attorney and the bank wont even let her talk to them. they provided an email which they won't respond to. my bank stole my money and I have gone through the discolsures and agreement carefully and they are in breach of their agreement that they must follow. further because they are playing dirty and simply do not want to accept thta they ar ein the wrong and re breaching the customer agreement and discosures they TERMINATED my banking relationship with them and restricted my account so i can't use it. FOUL
Consumer complaint received 2021-06-15
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. (AL)

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

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC. (TN)

Complaint in re : Ally Bank auto loan. Ally loan balance is incorrect. I have called a number of times to report this matter with Ally and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written Ally Bank and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided Ally Bank with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of Ally 's refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

{$6000.00} is in my PayPal account and i had an email in last year saying, i can withdraw my funds through my bank. Im trying so many times and calling PayPal customer care for help. So i can add my bank or card to withdraw my funds but no one seem to help. They only tell me I should wait for an email and it has been almost 8-9 months they keep saying this to me. I really need my money in the PayPal account. Thanks.
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX /XX/XX/XXXX - DIFFERENT BUREAUS IS SHOWING DIFFERENT LATE MARKS!!!! 

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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WI)

Hello, On XX/XX/19 I responded to a XXXX ad from someone selling XXXX tickets. The person told me the only way he would sell these to me was if I purchased XXXX through the company Coinbase.  I made a transaction via Coinbase by purchasing {$280.00} in XXXX onXX/XX/19. After giving the individual from XXXX my personal information and attempting to give him my {$280.00} it XXXX, the transaction never processed. Ultimately, it turned out the person selling the tickets was a scammer. 

From this point on all I wanted was my {$280.00} transaction from the Coinbase.com website reversed. After several attempts at trying to access my Coinbase account and contacting customer service via Email, I finally heard back from them on XX/XX/19. After several messages exchanged with Coinbase.com they were not able to provide me with a solution. Instead, they decided to lock my account on XX/XX/19. I never asked them to lock my account. I tried contacting them via phone several times but it was impossible to speak with a live representative and every time I asked them in several email messages they never provided me a way to speak with someone on the phone to resolve this. 

Eventually, on XX/XX/19, I was able to log back into my Coinbase account and on XX/XX/19 they provided me with me access and the steps to withdraw my money. It turns out during this whole time, the value of my Coinbase account had decreased and I was only able to withdraw {$180.00}. During all of the email exchanges and unnecessary steps, nobody mentioned to me that the value was decreasing until the final email message on XX/XX/XXXX. I responded back addressing these concerns and asked to speak with a manager on the phone but Coinbcased has stopped responding to my messages all together.
Consumer complaint received 2022-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MA)

I received notification from the credit bureaus about a collection that was reported by XXXX XXXX XXXX XXXX on XX/XX/XXXX with a status of seriously past due/ assigned to attorney, collection agency, or credit grantor and internal collection agency for a debt of {$440.00} and a balance updated in XX/XX/XXXX. No other contact is provided on the credit bureaus except for a Comenity Bank XXXX. 

I had a few accounts that were opened fraudulently in the past. I was a victim of Identity theft and provided an official statement about the crime with the FTC report # XXXX. A total of 10 accounts opened from XX/XX/XXXX with Comenity Bank. These accounts were opened fraudulently to obtain goods. I have mailed a dispute letter to the company today XX/XX/XXXX to the address on the credit bureaus XXXX XXXX  XXXX XXXX PA XXXX, the XXXX, FTC & Massachusetts AG office XXXX Thank you!
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (OH)

US BANK charged me Monthly Maintenance Fee on XX/XX/2019 due to I do not meet the monthly requirement. 

However, I join their " Because Youve Earned It '' in the early XXXX to avoid the fee charge. The application web page is : https : //www.usbank.com/bank-accounts/checking-accounts/credit-score-checking-account.html On their website, they claimed : Because You've Earned It members get a consumer Gold Checking Package with no monthly maintenance fee, full access to XXXX XXXX , and express delivery for replacement debit cards. 

Based on the statements, I got what ever I need after becoming a member. But, they said I have to covert my account into a gold checking account to get the benefits. However, the y did clearly and consistently make a clear statements in the whole website. Since I trust their statements, I thought I already got the benefits ( no monthly fee ). But, they charged me feee in the XXXX. 


They did not state things clearly and charged me the fee.
Consumer complaint received 2019-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SD)

On XX/XX/XXXX a XXXX XXXX was to sell me 2 tickets to XXXX XXXX. She gave me this email address to send the money to via paypal ( XXXX ). After sending {$70.00}, she did not give me the tickets. She said she tried to send them to my e-mail but it wasn't valid. She said her XXXX acct was locked and she couldn't get into it. She then sent me a " link '' to log into my XXXX acct. I refused to log into because it was a fake XXXX site. At this point, I knew it was a scam and requested my money back 5 different times. She stated she called paypal twice and then she blocked me.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX is on my Equifax and XXXX credit report with negative remarks. This company contract with me was not a legal contract and the warranty that was part of the XXXX XXXX  and not an outside company. XXXX XXXX XXXX sold me a vehicle with issues that they held the warranty for and I couldn't get the vehicle fixed or issues resolved because of this. Subsequently they agreed to take the vehicle back and take this off of my credit report and this still has not been done.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NC)

Early Warning Services has added over 400 inquiries about my personal information I did not give them consent to consume. Under the Fair Credit Reporting Act ( FCRA ) as a protected consumer. Im now opting out of any and all authorization I may have given you in writing, unwritten, verbal, non-verbal per Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act ( FCRA ) section 604 Permissible Purpose. Im requesting all information and inquiries be removed/deleted from my consumer report. I never gave any permission under Fair Credit Reporting Act ( FCRA ) section 604 to have my personal information reported on my Early Warning Services consumer report. Per 16 CFR 313.7 That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party. ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right Opt Out Laws : opt out of the disclosure of nonpublic personal information to a nonaffiliated third party. Also per 15 USC 6802 ( b ) ( A ), ( B ) and ( C ) Opt-out. 15 USC 6803 ( a ) ( 1 ), ( 2 ) and ( 3 ) Disclosure Required. I never received any disclosure from Early Warning Services. Per this law as the consumer I was required to receive a Disclosure letter. I will use 15 USC 6805 to enforce these consumer codes that have been broken. If need be I will make a Whistle Blow complaint with the Security Exchange Commission ( SEC ) as Early Warning Services is Co-owned by the major banks in the United States XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX and XXXX XXXX. I will also include all of the Indenture Trustee Banks if needed. I demanding all information/inquires be deleted from my consumer report within 4 days per the Fair Credit Reporting Act ( FCRA ). All information is unverified without my consent or permission. This information posted to my consumer report has caused me to suffer because of denial letters I receive from other Entities. This is FRAUD and must be stopped IMMEDIATELY.
Consumer complaint received 2021-02-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Auto Acceptance, LLC (KY)

Hello I purchase a vehicle used with the the car store here in XXXX and I was also financed on a lot through their company to XXXX I've been in good standing with them for years 7 months starting my loan back in 2019 XXXX if I'm not mistaken Pier I recently got laid off my job and XX/XX/XXXX and I also file for unemployment but I have not got paid in unable to get in contact with unemployment so as of right now I'm old XXXX from unemployment that I have not been paid which cause my car to get repossessed I asked The Car Store to refinance my car where I originally financed it at and they are refusing to do so I spoke with XXXX, XXXX, and XXXX in the loan office of The Car Store. They were very rude and constantly hung up the phone on me when I'm trying to get answers I'm currently behind {$560.00} and was told that I can keep my car if I paid {$130.00} every two weeks but once again I haven't got my unemployment and I'm asking them to refinance my car so my payments can be lower and on a monthly basis and they're saying that they do not do that and they refuse to even though they financed my car
Consumer complaint received 2019-10-12
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.