davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MN)

I contacted XXXX on XXXX to remove my fraud alert. I then received a letter from XXXX saying my request was forwarded to XXXX and Experian. Surprisingly, both XXXX and Experian created, instead of removed, the extended fraud alert for me. In the end, I have two more unwanted fraud alerts. Moreover, it is difficult to remove an alert from Experian because they request additional documents that I can not provide now. It is also unfair to me to spend extra time and efforts because of others ' mistakes. These alerts without my consent have no contact information attached and thus effectively prevented me from getting new loans or opening new credit lines and ruined my financial plans.
Consumer complaint received 2017-01-31
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Opportunity Financial, LLC (VA)

I took a loan out with this company in XXXX of 2016. When I took out the loan I understood what the initial payment would be and was told that I would pay lower increments each month. However, I did not understand that the interest would decrease at the slow rate in which it is currently decreasing. Because last month was XXXX and personal and property taxes were due. I was unable to pay the minimum amount of XXXX. ( I have been paying an excess of XXXX a month on this XXXX loan since XXXX with the first payment being 0ver XXXX ) I therefore, contacted the company and agreed to pay {$350.00} of the balance. I was told that the addtional would be added to the balance of XXXX 's payment. Now, this month they are showing a minimum of XXXX. XXXX due and with the additional amount left from last month. I am having to pay {$660.00} this month. I called the company to see if a lower payment could be negotiated and was told that an arrangement could not be made on an arrangement. I am totally frustrated with this loan company. I borrowed {$3000.00} from this company in XXXX with 160 % interest rate, I am scheduled to make monthly payments for a year. I read an article about another payday loan company overcharging in interest rate for consumers of Virginia and realized at this point that I, too, am being overcharged in interest rates. The comapny I am referencing is Opportunity Ficnacial, LLC. I am seeking assistance in getting lower monthly payments and adjustment to my interest rate.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Karma (NY)

Ive applied for credit cards on credit karma because of misleading information telling me I was pre approved for certain credit cards that I wasnt and now I have hard inquiries on my credit report XXXX cant get off!!! Let alone I didnt get the credit card! I have a credit repair agency looking into it for me now, and of course I had to pay the XXXX to help me.
Consumer complaint received 2023-01-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

THIS US NOT A DUPLICATE COMPLAINT!

This company has not provided an appropriate response to my complaint. This company simply copied and pasted their original response. The company did not address the 3 items I specifically requested in accordance with the FDCPA.

My complaint specifically addressed the issue of HIPAA compliance between the original creditor and the debt collection agency. The original creditor has NOT provided a copy of the contract that indicates my permission to release my medical information to a third party. 

I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

Therefore my request is twofoldvalidation of debt and HIPAA authorization. 1 ) Please provide breakdown of fees including any collection costs and medical charges. 2 ) Provide a copy of my signature with the provider of service to release my medical information to you. 3 ) Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed in this complaint and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.

I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2023-07-05
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2020-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Hi My name is XXXX XXXX XXXX.and I have got some issue here related coinbase funds withdraw. 
I have started total 2 withdraws on XX/XX/XXXX, which is amount {$3100.00} reference number : XXXX, and amount {$5400.00} reference number : XXXX to my XXXX XXXX XXXX account.i can see the money did hit my account, and have been posted.BUT the exactly same amount of money been DEDUCTED from my account by coinbase at same time.which means I didnt receive the money I mean to withdraw either in my bank account nor coinbase wallet.i have try to contact coinbase for this matter in past 15 days and havent got satisfied answer, the problems remain unresolved! i DEMAND coinbase to take it serious as this is quite big money for me! please understand my problem here and give me the solutions!
Consumer complaint received 2022-08-29
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT EDXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2900.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Consumer complaint received 2019-10-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union ( NFCU ) forcing me to borrow money for insurance when I do no need to borrow. 
I searched for,, squired, and paid for a mortgage insurance before closing on my mortgage, the loan processor insisted that I am doing it wrong, that the insurance is usually added to my monthly mortgage payment, then, paid the said amount into my account and added it to amount financed. 
Is this legal? to force me to finance the insurance
Consumer complaint received 2019-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

An unauthorized amount of money {$170.00} was taken from my account and put in XXXX to a an unknown user, XXXX XXXX, at XXXX on XX/XX/18. My bank account has faced several security breaches in the past, including an unauthorized XXXX charge in XX/XX/2018, an unauthorized XXXX Charge in XX/XX/2018 totaling about {$20.00} each. As soon as I realized a huge sum of money was missing from my account I called Wells Fargo and asked them to freeze my account so the funds would not be transferred, and I explained to them that this transfer was not initiated by me, and must be a hack consistent with the other security breaches. They shut down that bank account completely and I opened a new one. However, they refused to freeze my funds or return the money to me, and said that through XXXX, payments can not be cancelled and that I must have authorized the transaction. I was in dire need of that money as a student and it was stolen from me. I have not had any new charges of fraud since opening this new bank account, so I believe my old one was just completely compromised and the final scam attempt was their big one. I feel duped and ashamed that the money I worked hard for at only XXXX years old was snatched from me. I called Wells Fargo and they said they could do nothing at all for me, and that if I wanted to file an appeal, it would be a complex process of scanning documents, a handwritten letter sent by post to California from my Florida address. I felt as if it was disingenuous and intentionally designed to discourage me. I did not have such resources. It is only in doing research recently that I realized I could file a grievance with the Consumer Finance Bureau, which I tried to do right away.
Consumer complaint received 2019-02-01
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. (FL)

Both XXXX  and Transunion are dropping my credit score for no apparent reason that can affect an auto purchase at 0 % financing if I choose to buy a new car. They need to stop.
Consumer complaint received 2023-10-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC (GA)

XX/XX/XXXX, my closing attorney as well as myself requested a payoff statement. 

I have not received it and the loan advisor says my account is pending because the system is taking its time updating a payment made on the same day. 

I am trying to refinance and they have already taken me past my closing day, adding more interest, and I am still waiting for a closing statement.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (TN)

In XX/XX/2018, i received a promotional mailer from BBVA offering me a {$50.00} bonus for making 3 bill pay transactions by XX/XX/2018. The offer states that the {$50.00} bonus will be deposited to the checking account WITHIN 90 days of meeting the requirement. So I completed the bill pay requirements by XX/XX/2018. On XX/XX/2018 when i didn't receive the bonus I sent them an inquiry through their online secured meassage center asking for the status update. They replied stating i should wait till early XX/XX/XXXX when 90day has passed from XX/XX/XXXX, and that if i still don't receive then contact them back. So on XX/XX/XXXX of this year when i still didn't receive the bonus i secure messaged them back again, and this time they replied with apology and told me to call their customer service number to escalate the issue. I called their customer service number, after 45 minutes of waiting for a live person i finally got to a live person, but she was rude and unprofessional. She disconnected the phone before i finish my sentence. So i had to go back to their online secured message center again for help. 
But no responses to my message. Meanwhile, the {$50.00} that they promised still has not posted to my account.
Consumer complaint received 2019-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, I wrote a letter toCapital One as requested from all three credit bureaus after disputing a Capital One inquiry, I was told to contact the furnisher of the inquiry. 
On XX/XX/XXXX I certified a letter asking for Capital One to provide a application letter giving my consent or permission to check my credit. 

On XX/XX/XXXX I filed a CFPB complaint XXXX, with proof I contacted this company for this purpose. 

Capital One responded on XX/XX/XXXX With references to other companies in their response without having a consent form or a application from these so called companys which should show my signature giving Capital One or these specific companies named in their statement permission. 

Capital One Can Not Provide These Documents.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT EDXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2900.00}, DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account name XXXX and Account # XXXX, 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 a account without my written instructions
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MA)

I pulled a copy of my XXXX credit report on XX/XX/XXXX due to suspicions that Citi cards did not properly credit or resolve a fraudulent transaction. 

My wife and I purposely did not place transactions on this account this fall & winter due to the inconvenience of multiple account number changes due to fraudulent activity. When we learned of another fraudulent charge representing the entirety of the balance ( {$11.00} ) I  contacted them ( XX/XX/XXXX XXXX ) requesting resolution and will not be submitting payment for that billing period. There online chat gave me the following response : Yes b erest assured we have notated your account for this ( XXXX at XXXX, XX/XX/XXXX ) as Your account comes with {$0.00} account liability. And you will not be liable to pay any unauthorized charges. 


This was not resolved, as I discovered in a statement received XX/XX/XXXX. ( Your payment of {$11.00} is 6 days past due. Please Make a payment now ) I called Citi 's customer service three times that day ( Called XXXX and she abandoned call ; Called 2nd time and it went to busy after the menu ; Called 3rd time reached XXXX and she will take care of disputed charge and finance charge ( estimates 3 days ) However, this amount is still being reported on our XXXX credit report. 

I'm appreciative of any assistance you can provide. Thanks in advance!
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc. (FL)

In the beginning of XX/XX/XXXX, I became aware that XXXX XXXX had opened a 2nd account for me because they sent me 2 bills. I called them and they told me the two accounts were merged. Later in XXXX they sent another bill, with a 3rd account. I called them, they assured me the accounts would all be combined. four days later I received a card for a new account. I again called them. They again assured me that the accounts were all merged into 1. I received my bill. I paid my bill on time. I received a notice that my account was past due. I called them and they informed me I still had an account that was not merged and I owed a {$10.00} dollar payment. that was on! /XX/XX/XXXX. I told the representative that I would call on XX/XX/XXXX and make the payment. I was told that after the payment all of my accounts would be merged. When I called on XX/XX/XXXX, the rep told me that I had 2 accounts open and I had a minimum due of {$20.00}, but after payment I would be caught up till XXXX. He told me that the payment would allow him to merge my accounts. I explained I had little confidence that this would occur and asked to speak with his supervisor. The supervisor got on the line, assured me that all of these accounts are merged and I didn't have a payment due till XXXX. This morning at XXXX I received a call from XXXX XXXX ( robot call ) about a past due balance.
Consumer complaint received 2019-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

I am getting notifications from Covergent about a collections account that does not belong to me. This is going to drop my credit score and ruin my chances of getting a mortgage. 

This isn't my account, how can they say I owe them if I never did anything with them?
Consumer complaint received 2019-01-26
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 have a bunch of fraudulent or inaccurate info on my credit profile. I am getting denied for jobs, I cant move into an apartment, I cant even get pre-qualified for a home! 


Hard Inquiries : XXXX XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX Collections non specific {$510.00} {$510.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$810.00} {$810.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX   XXXX Collection services {$810.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Collection services {$510.00} {$0.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX {$810.00} {$0.00} XX/XX/XXXX
Consumer complaint received 2019-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a bunch of fraudulent or inaccurate info on my credit profile. I am getting denied for jobs, I cant move into an apartment, I cant even get pre-qualified for a home! 


Hard Inquiries : XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Collections non specific {$510.00} {$510.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$810.00} {$810.00} XX/XX/XXXX Transunion : XXXX XXXX XXXX   XXXX Collection services {$810.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Collection services {$510.00} {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX {$810.00} {$0.00} XX/XX/XXXX
Consumer complaint received 2018-04-12
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. (FL)

XXXX and Equifax are reporting events that occurred in XXXX. My attempts to have Equifax stop reporting the stale, out-of-date information have not been successful as of a letter from Equifax dated XX/XX/XXXX, Confirmation # XXXX, stating the out-of-date information would continue because XXXX continues to " update '' the out-of-date information.
Consumer complaint received 2017-10-14
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)

The following address is fraudulent and appears on all my credit reports. Needs to removed and investigated for any fraudulent activity. 

XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX  MISSOURI XXXX