davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-03
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. (MS)

I applied for an auto loan and pulled my credit report to my surprise my score was lower than I expected. When I looked to see what was going on, I noticed items on my report that aren't suppose to be there. A police report for fraud and FTC contact has been previously established prior to contacting you all. Please delete these items as soon as possible : XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, EXPERIAN, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (SC)

The company is bogus. The name is Frost-Arnett and they claim to represent XXXX XXXX XXXX. That isn't even the name of the company anymore XXXX XXXX XXXX XXXX. They claim I owe them {$150.00} and the date is XX/XX/2021. Their company address is XXXX XXXX XXXX XXXX, TN XXXX. Their phone number is XXXX XXXX XXXX XXXX XXXX and their website address is : www.facpayments.com. Please take care of this fake company immediately ....
Consumer complaint received 2017-12-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Richmond, Inc. (FL)

I have disputed this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened an account online with BB & T bank on XX/XX/XXXX as a result of a promotional flier I received in the mail. I deposited {$50.00} via an online transfer, and then tried to deposit $ XXXX in the account in person a week or two afterwards. However, when I went to the branch I was told that the account was frozen due to fraud concerns. The branch manager said he would look into it and call me later, but he never did. I forgot about it for a few months and then I got a notice saying that the account was negative due to monthly fees. According to the bank, the account was frozen and never fully opened so I don't see why they were charging fees. I just recently received a notice that they are sending the negative balance to collections and will seek to charge another {$30.00} fee.
Consumer complaint received 2022-01-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/21 I got a loan estimate with a {$730.00} cash to close. The loan was locked on a 2 % rate. Then, on XX/XX/21 my loan estimate is updated to a {$5700.00} cash to close. And they added a 1.125 % loan amount for points. All of this was done with no change in circumstances. After asking for the manager it was corrected. However, it was very unprofessional to change my figures and hope I don't know any better. I hope others don't have this same issue.
Consumer complaint received 2022-01-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Equifax Credit Bureau is still sending someone's mail to my XXXX XXXX XXXX, and has listed this fraudster 's name ( XXXX XXXX XXXX ) on my XXXX XXXX XXXX XXXX  documents that I paid off. I submitted proof of my XXXX XXXX XXXX XXXX documents via mail to ALL ( 3 ) Credit agencies that shows my full legal name, loan account #, and paid in full status. My full legal name is XXXX XXXX XXXX. I have filed a report against XXXX XXXX XXXX who is illegally using my XXXX XXXX XXXX and false claiming my loan account number with XXXX XXXX XXXX. Equifax Credit Bureau is violating my Rights after being notified of this issue and not considering my contractual USPS XXXX XXXX Agreement that is in my name. I would like to file a complaint against Equifax Credit Agency.
Consumer complaint received 2023-07-05
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Miller, Stark, Klein and Associates (NY)

On Friday, XX/XX/XXXX at XXXX, I spoke with ( XXXX ). A representative from the collections agency ( Miller Stark Klein and Associates ). XXXX informed me that the reason for his call was because his client ( XXXX ) hire them to collect an outstanding balance that ( XXXX ) claimed it was due for collections for services dating back to " XX/XX/XXXX ''. 

I explained to XXXX, that I can confirm that I did have services with XXXX during XX/XX/XXXX. However services were cancel and there wasn't a balance left on the account. 

If XXXX 's records showed that there was an outstating balance on the account ; why didn't XXXX never contacted me in 12 years. I also explained that I had ( Cable, Telephone, and Internet ) with XXXX XXXX, just last year on ( XX/XX/XXXX ). 

In order for me to have services installed, XXXX did two things ; 1 ) Verified I DID NOT have any outstanding balances with the company for prior services. 2 ) I agreed to have my credit file review, my credit score was XXXX. I had services installed with out the requirement of a deposit. ( Proof attached ) I then went ahead and informed XXXX that as a collections agent, I was sure that he was aware that it was illegal for him or XXXX to attempt to collect on a debt that is 12 years old. I also asked for proof of this debt, he informed me that unfortunately he would have to report the debt. I would also be contacted through a conference call at a later time by XXXX. I also am a XXXX person on Social Security XXXX benefits. 

I'm not sure what to make of this phone call from XXXX. He claims to be employed by Miller Stark and Associates, but its clear that there is a failure for them to abide by the Fair Debt Collection Practices. I also could of been a victim of a phishing scam.
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

According to Ditech I had since XXXX XXXX late fees. I ca n't understand how I would have late fee if I always if paid late sent in my mortgage with the late fee included. They decided to apply these fees how ever they liked and never reduced the late fee charges. If you look at my attached documents you can see approximately around XXXX of XXXX I started to send extra payments to catch up to everything and anything I was late in. I called customer service and they went over the statement and even gave me a breakdown of how I can pay everything in full so that the account can be up to date. From XXXX XXXX thru XXXX XXXX I made all the overage payments along with my regular mtg payments ( my mtg is {$1700.00} per month ). After I did all this, I continued to see that I had more money owed, in other words, my balance continued to increase instead of having my regular monthly balance that I owed each month. When I called again around XXXX XXXX I again asked them to give me the total to complete in full any negative and I once again did the same. This time they told me it was due to an escrow that forced on my account without me ever, ever escrowing in this account. When I thought I brought everything current ( which was a total in XXXX XXXX of {$4900.00} ) and made my XXXX payment I received another letter stating that the payment was a partial payment and that I owed them {$3400.00} and they would take legal action ( I attached those documents as well ).
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NJ)

On or around the XXXX of XXXX of last year, the cryptocurrency exchange Coinbase ( coinbase.com ) had what they call a " technical glitch '' with a token they had available for purchase. This GYEN token was at a particular price at which I bought {$1000.00} worth. Due to this " glitch '', Coinbase made the decision to de-list ( not available to buy or sell ) the token preventing me from being able to sell it. While it was de-listed, the price of it dropped. They have since relisted the token at the lower locked-in price. I am now at a loss because I was unable to sell as the price of it dropped. I have tried to rectify this matter with the company through their support ticket system. Without any compensation, they closed the case with no explanation. This exact same scenario, and some varying aspects of it, has happened to thousands of other customers with little to no remediation.
Consumer complaint received 2023-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

on XX/XX/2023, on cashapp I had sent a receiver {$280.00} for concert tickets. The receiver received the money and did not transfer the product on time. I have requested a refund and the receiver has not been responding
Consumer complaint received 2021-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

My name is XXXX XXXX XXXX and I am the daughter and successor of interest on the loan. Wells Fargo is fully aware. 

I sustained economic hardship during Covid-19 and took the 18mos mtg. forbearance requesting the option of having the 18mos. payments placed at the end of the loan 's maturity date. The forbearance is up this month and I have been in constant contact w/Wells Fargo for weeks making them aware that I am ready to resume regular payments XX/XX/XXXX as was my choice and always was my choice.

Wells was constantly sending letters addressed to me re : options and were always in full agreement w/my choice. I called again yesterday and was told by a XXXX  XXXX  ( Home Preservation ) that I MUST assume the loan and accept a loan modification. That was never my choice and is not my choice. She stated I have no other option because I am a successor of interest. After a 3 hour phone conversation of arguing, I finally spoke w/a XXXX XXXX ( Home Preservation ) who when I told her to read up on CFPB 's XX/XX/XXXX Successor of Interest rules where as a successor of interest has the same rights as the original borrower and also FHFA head XXXX XXXX XXXX stating the same, she relented and said she would contact a underwriter and try and expedite my choice of options? She said it would take 7-10 days and would require an appraisal be done? Also, she could not guarantee I might be denied? When I questioned why would I be denied, she had no answer. This is ridiculous. Please, help me. I have attached the PDF documents that XXXX @ XXXX  XXXX  requested. 

XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX ext. XXXX Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (MI)

on my credit report I have noticed that I have two different third party credit agencies reporting the same debt on my credit report. I have learned and understood that this is a violation of the CFPB and FCRA. I have sent several disputes to both agencies and they're both continuing to report the same account. I also noticed that IQ DATA INTERNATIONAL is charging interest on top of the balance they claim I owe. I have went as far as to calling the apartment complex ( original creditor ) to see what debt I owed they were unable to give me any information, they mentioned that they had just purchased the property and gave me contact information on the company that owned it previously. I contacted a company called XXXX to find out information on the debt and they gave nothing. I also went as far as calling XXXX XXXX which is the company that IQ DATA says they collect for and they were also unable to find any information on me, not only do they not own or manage the property they also said that they have not used a third party to collect for them since XX/XX/XXXX. on XX/XX/2019 I spoke with an IQ DATA representative by the name of XXXX and her supervisor name was XX/XX/XXXX. she was very rude and she yelled at me told me that this she didn't care to listen to what I had to say over the phone that she would continue to harass me until I send in letters in which I've done on several occasions. I also went as far as trying to ask questions about the debt to get information and she hung up in my face.
Consumer complaint received 2018-06-28
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

Onemain account # XXXX is reporting this account negatively. To all 3 of the credit bureaus on my credit report. I will need for Onemain to provide me with the original instrument of indebtedness bearing my signature. Also I will need the photo copy of the government issued photo ID and photo copy of the social security card used to secure this debt. If this very critical information is not provided there is no way for Onemain to state this debt was created and definitely no way it can validate it is owed by me.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I used my credit card in a foreign country ( XXXX, XXXX, XXXX ) to pay for a meal at a restaurant. The restaurant has a relationship with another company in XXXX XXXX, Nevada, XXXX where the charge is forwarded to. That company submitted the charge to Capital One as a cash advance after adding an unidentified fee. Capital One charged me a fee for a cash advance and interest. I did not receive any cash and only paid for a meal at a restaurant with my credit card. This resulted in XXXX additional charges or fees in addition to the expected charge for the dinner : 1. The 3rd party in XXXX XXXX, Nevada added an unidentified fee and passed it off as part of the exchange rate. The reason I know this is because the restaurant owner later explained to me that the restaurant pays no fees for the credit card transaction but the third party adds additional fees to the charge and hides it in the exchange rate.

2. Capital One had a fee for a cash advance.

3. Capital One accessed interest on the cash advance. 

As of now, I have done a charge back related to the charge and went personally to the restaurant and paid them in cash. The restaurant told me they would accept the charge back. Capital One posted the charge back but the waiting period has not yet expired. It is possible the 3rd party out of XXXX XXXX will dispute the chargeback. Since I had no relationship with this 3rd party and the original vendor ( the restaurant ) is in XXXX and I am back home in the XXXX. it might be difficult for me to do anything about this. If that happens that means I paid for the meal twice, paid extra for fees hidden as part of the exchange rate, paid a fee to Capital One and paid interest on a phony cash advance. 

There should be a rule or law that makes the credit card companies ( Capital One in this case ) responsible for fees or charges on transactions when unidentified third parties are involved. After all, I have no relationship with the third party in XXXX XXXX that added the additional charge and passed it off as part of the exchange rate. Furthermore, that company said it was a cash advance when it wasn't resulting in additional fees and interest from Capital One. Finally, Capital One directly charged me a fee for a phony cash advance and charged me interest. 

Does this seem right? How many others have been duped without knowing it because the additional charge from the third part was hidden as part of the exchange rate?
Consumer complaint received 2021-09-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (MD)

I financed a XXXX XXXX XXXX from American Credit Acceptance. Unfortunately, my unemployment ended in XXXX and I was unable to maintain the payments ( after never missing any payments ). My car was repossessed on XX/XX/XXXX ; this occurred during the Pandemic when the governor announced no vehicles could be repossessed and no tenants could be evicted. When I contacted the company I was not advised I was at risk for repossession. I never received a letter in the mail the car was at risk of being repossessed. The letter I received came after the car was repossessed. The people stole my babies milk out of the car and my tennis shoes. I submitted a letter to your company about this but it was lost unfortunately. I have receipt you received my information; when I followed up it was not in your system. 
The Department of Motor Vehicles has a flag on my registration for driving with no insurance since XXXX. I have asked this company repeatedly to update the information with the motor vehicles and as of the today they still have not. I am facing a {$1900.00} fine. My uncle donated a car to me ; I have to give it back because it is taking so much to update the system. I found a document dated XXXX showing my car was repossessed because I missed XXXX payment. The motor vehicles said the document has to specifically say the car was repossessed on XXXX. I have contacted American Credit Acceptance 5 times for this document ( through phone call and chat ). They keep sending a document showing a sale date for XXXX. 
I'm not sure if the repossession was legal ; however, updating the information with the proper systems should not be this much of a hassle. I have a XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX who is a XXXX  in XXXX XXXX  I do not have the time to babysit a company to do there job. Not to mention I need a vehicle.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXXHUNTERWARFIELD would verify the debt. So I took it upon myself to ask HUNTERWARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX.
Consumer complaint received 2022-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (IA)

Capital One is reporting multiple accounts to my credit ratings which are not mine dispute my numerous disputes, online inquires to validate, XXXX complaints and bureau disputes over the course of 4 years.