davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-06
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. (AZ)

XXXX  ; Experian and XXXX  are reporting incorrectly a balance of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) I have also attached the letter with confirmation number showing that this account has, in fact, been settled. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-08-06
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. (AZ)

XXXX ; XXXX and Transunion are reporting incorrectly a balance of {$510.00} on the XXXX XXXXXXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) I have also attached the letter with confirmation number showing that this account has, in fact, been settled. This incorrect reporting is harming my XXXXredit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.
Consumer complaint received 2024-05-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

On XX/XX/2024 my property in XXXX XXXX received damages from a flooding event. My flood insurance provider, XXXX, inspected the damages and sent me checks to pay for the damages and to replace my personal possessions that were destroyed. The checks were made out to me and PennyMac and require both of our endorsements. PennyMac is refusing to endorse the checks to allow me to pay my contractors for the work to repair the property. My attempts to communicate with PennyMac are routed to a call center in the XXXX with call takers who do not appear to have any ability or interest in resolving the issue.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Someone wrote me a check from USAA Federal Savings account. I deposited the check with my band and it has been on hold for 5 days. I just called USAA to confirm that the check has sufficient funds and they were extremely rude and intentionally hung up on me. Every financial institution allows people to confirm sufficient funds on check, when I called USAA this was news to them and disconnected my call.
Consumer complaint received 2019-08-06
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. (NC)

This is a complaint in regards to Complaint ID : XXXX that was sent to TransUnion. I am appalled that TransUnion decided to attack and accuse this consumer of being a credit repair company, which this consumer is not. TransUnion handle this complaint unprofessional and distasteful. 

This consumer is respectful asking Transunion to re-investigate the disputed items XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Under FCRA 611 ( a ) regarding erroneous item on our credit report involving a transaction with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 )  to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this complaint. 

I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the items in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very respectfully, XXXX XXXX
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 accounts listed below are still reporting on my credit report in violation of federal law. The Equifax 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 accounts completely from my Credit Reports : XXXX XXXX XXXX {$1600.00} XXXX  XXXX {$940.00} XXXX {$0.00} XXXX {$2000.00} XXXX {$0.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXXXXXX {$640.00} XXXX XXXXXXXX Amount XXXX {$0.00}
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 I bought 5 tickets to fly from XXXX to XXXX in XXXX with my credit card of Chase. I bought the fly tickets from XXXX. I payed the total amount of {$4300.00}. 
The airline canceled our tickets. XXXX the travel agency refused to refund, they told me that I have to contact XXXX. XXXX, told me to contact XXXX. So, I called to my bank, Chase, they requested documents, proves etc, that I provided to them. I received my refund, but one month later, they refunded back to XXXX half of the refund. So, now Chase refuse to return my refund. So disappointed, about Chase service! I am still fight to have my refund.
Consumer complaint received 2021-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (TX)

This is my 3rd complaint against this company and I would like a resolution!!! 
1. I never received the loan documents from this company. I need all documents including GAP documents. I need my ( original ) amortization schedule. I need the signed copies of the finalized loan documents. I have requested this information at least 5 times with no results. 
2. My overpayments are still not dated to the date of the request to apply to the principle balance. I worked in finance and I am very well aware of how the daily interest are applied. 
3.They are telling me that I can see the principle balance on the web and how my payments reflect the balance by reviewing the payoff quote. This is untrue, the payoff is exactly that a payoff if I was paying it off within 10 days. I want to be able to see my payments and the principle balance after each payment. The website does not show that breakdown and I want to see it.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (FL)

Apply for a personal credit with a wellsfargo, showing my good fico score over XXXX and proof of a car loan paid off in few moths ago will be easy to get it the credit as a good customet and verify the my credit worthy with this entity. 
I received a letter with a decline the credit card account for the following reasons with is not true and not real their reason. 
They said based the information from XXXX with send a copy of this complaint as well.
Consumer complaint received 2021-12-13
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: AMERICAN EXPRESS COMPANY (GA)

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Georgia Dear AMERICAN EXPRESS, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : The inquiry shows that on XX/XX/XXXX, a hard inquiry was made. This is a hard Inquiry and hugely affects the good standing of my credit account. Please remove this inquiry from my report as I have no knowledge of it and dont see an account that its connected to on my report. 
I have attached a copy of my report with the accounts in question circled. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-06
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. (UT)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX, I emailed to Portfolio Recovery Associates dispute website and informed them to CEASE and DESIST and to stop any communication to me because I am disputing the debt. 

Since XX/XX/XXXX I have been getting a lot of phone calls from disguise numbers and some of the phone numbers that are calling to my phone number are not working numbers or the person answering my call back did not call me. 

Today I received a collection from PRA, LLC in the mail regarding my payment options including information of a letter about the debt they sent to me around the time ( XXXX XXXX ) when PRA, LLC purchased the debt from XXXX XXXX XXXX 

As you will see in the letter ( attachment to this complaint ) from PRA, LLC. As you will see, I was not living at XXXX # # XXXX XXXX XXXX. In XXXX XXXX.No one in my family were living there. I moved out in XXXX from XXXX XXXX XXXX Never received letter or information from PRA , LLC in XX/XX/XXXX concerning this debt.

PRA, LLC violated the FDCPA collection practices then and now.
Consumer complaint received 2019-08-06
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)

An auto loan with XXXX XXXX XXXX went into charge off in 2013 after a medical emergency which left me unable to work for 6 months. Back in 2013 I spoke to the XXXX XXXX XXXX XXXX representative, I got a verbal agreement over the phone stating the charge off would be removed and that he would take care of the credit reporting once the car was paid. I paid the car off in full. I received Paid in Full Letters and a lien clearance letter from XXXX XXXX XXXX XXXX. The charge off 's were never removed from my credit report. Fast forward seven years later. I have disputed these items multiple times. The only credit reporting agency which refuses to remove it is Equifax. I have called over 15 times in the last 2 months. They tell me a different story every time. The representative keeps stating that there is nothing that they can do without authorization. I provide them the authorization letter ( Lien Clearance ) from XXXX XXXX XXXX and they tell me I have to continue to dispute it until it is removed. It has been years of back and forth. The information on my credit report is inaccurate and what Equifax is doing is illegal. I provide them all the information that they request and they refuse to remove it. I recently redisputed the same negative item and XXXX score went down. XXXX XXXX XXXX updated the information that caused my score to go down. Equifax is the worst of the three credit bureau. In my experience, Equifax will side with the lender even if the information is incorrect.
Consumer complaint received 2021-12-13
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: WELLS FARGO & COMPANY (MD)

My XXXX score for this my mortgage company was reported to ve XXXX I have never missed a mortgage payment ever in the 11 years I have had it. It could also be that XXXX needs to be corrected as well because I never miss my credit card payments so this is the wrong score
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

Today, XX/XX/19 at XXXX XXXX XXXX., I made a payment to Citibank. The payment amount was for {$250.00}. The source was my Citibank checking account. The application was to my Citibank Mastercharge account. The vehicle was the Citibank mobile app. I followed the instructions and when I completed the transaction it stated I had transferred the full balance owed ( {$10000.00} ) instead of the other amount of {$250.00}. I immediately tried to cancel the transaction but there was no feature to do so. I called the bank and was told that the checking side saw the transaction but couldn't reverse the transaction but the credit card side could. I transferred to the credit card side and at first they couldn't see the transaction. After going back and forth the credit card side saw the transaction and said they could transfer the money back in 3 to 5 days. This has caused my checking account to become overdrawn. I was unlucky. I have overdraft protection so that plus my balance allowed the transaction to go through. My compliant is having to wait 3 to 5 days for the funds to go back to the account when it is the same financial institution just different sections. I will probably incur overdraft charges because all my bills are coming in on ACH 's. The bank should be able to instantly return funds if it is an intabank transaction but for some reason they didn't anticipate people mistakenly paying more than intended. I have used their app twice and had problems twice. I have told them I will never use their app for any transaction again. I know that you can't help me as by the time you see this and act, the money should be back. I am sending this to help someone else that runs into this problem and isn't as fortunate as me.
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (MA)

Using service Wise.com I've tried to send money to different country. 
After making a transfer I have not checked the status for a while. In about a month I've noticed that transfer is still not completed. I've contacted a company via online-chat option asking for a refund as service was not provided, the request was denied, and conversation abruptly ended. The company still holds my money, and they disabled online-chat function for this particular transaction so I can not request any information about it anymore.
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions
Consumer complaint received 2024-04-01
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I purchased about XXXX appliances at the end of XXXX of 2023 for my fathers house. I was told 0 % interest for XXXX  months. Then I would be charged interest. My father XXXX at the beginning of XXXX and life got away from me. I have looked at my bill to find over {$1000.00} of interest charged to me, over {$1000.00}. Im being told now that its interest deferred. That was not explained to me when I signed up. I was led to believe that it would just be interest charged on the amount I owed. This has now put me above my available limit hurting my credit score even more. Customer service has told me there is nothing that can be done. Ive since closed my account. I believe this to be unfair and deceptive business practices.
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

On XX/XX/2022, I received a letter of approval for discharged based on my application for the Borrower Defense Case # XXXX. I visited the Department of Education and Federal Student Aide website, but my account displays the message, ( Processing Discharge ). It has been over 180 days to no avail. Department of Education stated they have sent the notice of discharge to my servicer, Mohela, but Mohela redirects me back to Department of Education. I've been dealing with this issue since XXXX of 2022, with no updated answers. I am tired of waiting and not receiving feedback as to why my loans are not being discharged. 

This has been an ongoing issue with repayment of the loans.
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NC)

I have a Coinbase account, username XXXX XXXX with the email of XXXX, through which I hold and use a Coinbase debit card. The card is issued by XXXX. Users are instructed to not contact XXXX directly for any issues and are to contact Coinbase support only for any issues. 

On Saturday XX/XX/XXXX that card 's information was stolen and used for two fraudulent transactions. 

Transaction # 1 was made at XXXX EDT at XXXX XXXX XXXX for the amount of {$120.00}. 

Transaction # 2 was made at XXXX EDT at XXXX XXXX XXXX for the amount of {$100.00}. 

Transaction # 1 dropped my available balance below what was needed for transaction # 2, so transaction # 1 went through but transaction # 2 did not. 

Upon being made aware of these transactions I called Coinbase Card support at XXXX at XXXX EDT on the same date. 

It took me a little over 12 minutes to get Case # XXXX opened and was told that my account issues would be rectified within 10 business days. I received an email at XXXX EDT confirming that my case had been opened. 

The following morning of Sunday XX/XX/XXXX at XXXX EDT I provided screen shots via the email thread showing the two fraudulent transactions. I then received an email that stated my case was being worked by a specialist later that afternoon.

I have received no further response from Coinbase support and my account has yet to be reimbursed or have the transactions stricken from it. 

I have sent a total of 9 follow up emails requesting updates along with reaching out to Coinbase support via XXXX under the user name of XXXX. All subsequent emails have never been answered and all posts on XXXX have been responded to by Coinbase stating that someone will reach out to me shortly, which has yet to happen. 

The only emails that I have received from Coinbase since Sunday XX/XX/XXXX and the time of this writing have been promotional emails and emails confirming me removing my assets from my account.
Consumer complaint received 2021-08-25
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: Mid-Atlantic Finance Co., Inc. (TX)

I have reached out to first MidAtlantic Finance Company and Experian about the NON REPORTING OF TWO PAID OFF AUTO LOANS. 

I have attached pay off letters, emails from the supervisor at Midatlantic who explained they have reported my information to be posted on my credit report but yet it is not showing. By federal law the credit bureau and financing companies can not withhold the reporting/credit of financial obligations ( auto loans ) from being posted on my credit report. 

PLEASE HELP ME GET THESE TWO PAID OFF AUTO LOANS THAT ARE POSTED N MY XXXX AND XXXX REPORT TO ALSO BE REPORTED TO MY XXXX REPORT.