davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the steel mill, my credit is bad, i have 4 judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. XXXX doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR. 

Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with XXXX and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had. 

In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for XXXX that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX. 

XXXX does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement. 

I want XXXX to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under 500 4 Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this XXXX tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement. 

I'm asking the CFPB to please investigate this, reach out to XXXX  and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement. 

I'm attaching my requests with the AG of Indiana 's office and the Judgement
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the steel mill, my credit is bad, i have 4 judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. XXXX doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR. 

Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with XXXX and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had. 

In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for XXXX that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX. 

XXXX does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement. 

I want XXXX to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under XXXX 4 Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this XXXX tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement. 

I'm asking the CFPB to please investigate this, reach out to Santander and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement. 

I'm attaching my requests with the AG of Indiana 's office and the Judgement
Consumer complaint received 2015-07-07
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (PA)

I cosigned for a XXXX XXXX for my company. The company no longer required vehicle so we did a voluntary repo. Balance of monies owned went on personal credit report XXXX days ago. We have since settled account with KIA motors but have evidenced no change in FICO score which went from XXXX to XXXX. Can you help?
Consumer complaint received 2022-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I went to XXXX XXXX XXXX to get a second opinion on a very specific bloodwork test for a particular virus ( HPV ). I explained the reason for my visit to the front desk -- that I was there for a very specific test as a second opinion. I had a full STD panel performed already, and it was negative -- I just needed HPV re-tested as it has a high false-positive rate. 

After my blood was drawn, the attending physician asked if I wanted just the HPV test, or a full STD panel. I again stated just the one test, and gave my reasoning as to why -- it was a second opinion, etc. For some reason, he later called me to once again confirm whether I wanted the one HPV test, or a full panel, and I explained it again. He relinquished that he remembered our conversation, and that was the end of the phone call, but it did seem odd. 

I was later sent two invoices by XXXX ; one for the HPV bloodwork, and another for the full STD panel that I had explicitly declined. I spoke with XXXX, but they insisted they could not help and that I needed to contact the physician 's office ( XXXX XXXX XXXX ). After a couple of weeks of attempting to contact the XXXX XXXX XXXX billing department, I was finally able to get through to an individual that said that they would investigate, but I never heard back and now the bill has gone to collections. 

The bill is only for {$78.00}, and I have a XXXX XXXX of XXXX and have never *not* paid a debt owed. But I used to work in medical billing and am choosing to stand on principle. This was not some ancillary charge that I did not understand or that was unavoidable -- This was bloodwork that I was specifically asked by the physician if I *wanted* to which I said *no* more than once.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I have paid down all my credit cards as of XX/XX/2022 and I am not seeing any of this on my report My report is also showing I have late payments which I dont I have contacted Experian XXXX and XXXX I still have yet to see the changes made to my reports
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (CA)

I received promotion checks in the mail for a balance transfer it clearly states 0 % for 10 months with a 4 % fee so I used a check to pay off another credit card basically a balance transfer. Since I paid it on line with their check they considered it a cash advance check even though I never received any cash if I wouldve mailed it in to the same company it wouldve been considered a balance transfer. I looked over the advertisement they sent me which I still have and nowhere does it say that plus that makes no sense.so now Im being charged for cash I would never take cash from a credit card because of the ridiculous interest plus I have plenty of cash in my bank. I have never complained about a card before but this is not right Im very surprised because its a Discover card one of my favorite credit cards.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Pacific Credit Exchange Corporation (CA)

XXXX XXXX reference Pacific Credit Exchange, is reporting paid off closed account on my credit report, the payment status show past due amount {$6900.00}. Pacific Credit Exchange changed the Collection opened date XX/XX/XXXX the open date showing now XX/XX/XXXX generated report date XX/XX/XXXX showing on my XXXX credit report. Pacific Credit Exchange balance was showing {$6000.00} date XX/XX/XXXX now show {$6900.00} date XX/XX/XXXX unauthorized payment these or violations. Pacific Credit Exchange is reporting a incorrect address on my credit report, showing XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX I notify, Pacific Credit Exchange about the change and forwarded it to the post official date XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. I notify the companies that there phone numbers, address is incorrect also the information that shows on the report is incorrect. I have attached a copy of my report with the accounts in question circled. 

Please stop collection on any amount until you prove the request of the information that shows I owe the debt send Date XX/XX/XXXX.
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (DE)

I moved from US to XXXX and I was no longer able to access my Coinbase account due to the inability to receive the sms for the extra layer of authentication. 

I contacted Coinbase on late XX/XX/2020 and they advised me to create a new account using my Romanian credentials in order to regain access to the original account. 

All said and done, followed their instructions and instead of a resolution, I got no replies for over 2 months. I tried reaching out to them on XXXX and I probably touched a nerve as they restarted the correspondence and eventually gave me the long needed access to my Coinbase account but to my surprise, the account was just a mirage, as I could only log in and view my assets, without being able to access or modify anything, including sending, exchanging or withdrawing my assets, while a top banner was instructing me to wait for a couple of days for the identity verification to conclude. This was over 7 months ago, the same banner still pops up whenever I log in and my account is still just a shadow. 

I have opened countless support tickets asking them for an explanation and an update regarding my status but they ghosted me ever since. All I ever got were a few automated replies notifying me that Coinbase has resolved and closed my case which is completely untrue and unfounded as they resolved nothing. 

Seeing tens of thousands other complaints on reddit and other social platforms brought me to the point of considering I was being scammed or something related and had no other choice but to start a legal process in the attempt to regain access to my portfolio now valued at around {$50000.00}. 

In conclusion, Coinbase is unlawfully holding my assets, causing me financial grief and emotional distress. 

Please assist me in this process of bringing Coinbase to the legal accountability, according to the trading laws. 

I have email proof of the correspondence between me and Coinbase and happy to provide if the need occurs.
Consumer complaint received 2022-03-24
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. (MI)

I have paid down all my credit cards as of XX/XX/2022 and I am not seeing any of this on my report My report is also showing I have late payments which I dont I have contacted XXXX Equifax and XXXX XXXX still have yet to see the changes made to my reports
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

XX/XX/XXXX sent in loan modification application to specialized loan services after several discussions and delays on sls part they said we did not send the application in time I called XXXX. To help with this process XXXX intervened and tried to help us sls gave XXXX the same run around XXXX possible XXXX suggested we file a complaint we have been trying to find a solution through sls whether it is a loan modification or another program through specialized loan services but they still keep delaying our request we do not want to lose our home so we need help from sls and XXXX thank you
Consumer complaint received 2022-05-17
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have paid down all my credit cards as of XX/XX/2022 and I am not seeing any of this on my report My report is also showing I have late payments which I dont I have contacted XXXX XXXX and Transunion I still have yet to see the changes made to my reports
Consumer complaint received 2022-05-17
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. (MD)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (WA)

Written notification for verification of who and how this alleged debt was verified to this debt collector has been sent on the following dates : XX/XX/2022 & XX/XX/2022, with no response each time. On both occasions, a 30 day investigation period was given. This company has not been in compliance of the FCRA laws during this investigation.
Consumer complaint received 2022-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting Act XXXX, Account ending in # XXXX, # XXXX, and account ending in # XXXX have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TN)

Regions Bank as the habit of going back on policies described as ways to either prevent one 's account from receiving overdraft fees or reimbursement for fees imposed and the given excuse is always processing. Example one : regions ' policy is that if you have a negative balance at the start of business, usually XXXX, and if by the close of business ( XXXX pm ) you have brought your account to a positive status you would be able to avoid transactional overdraft fees of {$36.00} per, for overdraft transactions posted to your account. However, you may bring your account to a positive status by the close of business for the transactions " posted '' to your account but then while processing transactions overnight you may still wake up to a nsf fee imposed for any additional transactions that was posted overnight that was not visible to you. My argument to them would be that I brought my account to a positive status before XXXX, they would acknowledge this but then say that a merchant presented a debit that was processed overnight. I would argue that this was not visible to me thereby denying me the time to cover it and that that transaction should be forwarded to the next business day since it didn't make it to the close of business by XXXX and I have no way of knowing or covering what is posted overnight. Example two : if I wanted to stop or revoke an ach payment authorization while it's still pending to my account I'm unable to, I have to wait 'til it's posted before I can do either even though I know I will be overdrawn because I have several transactions that will be automatically drafted that will overdraw my account and I would receive a fee for each transaction but they tout that each transactional fee will be refunded after the request is submitted. They do not abide by their own policy and have not and will not refund me nsf fees in the amount of {$100.00} dollars for a payment authorization revocation I submitted on XX/XX/2025.
Consumer complaint received 2022-03-24
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. (RI)

I received notification that credit report changed, when I logged into my account it said I had XXXX new hard inquiries one from XXXX XXXX and XXXX from XXXX. I contacted XXXX and they told me a credit card was taken out in my name and they closed it and reported it as fraud. They then told me it came from Experian and I needed to contact them to have the inquiry removed from my credit report. I have tried many times to call Experian and I sent them an email. They never responded. I called XXXX financial as well I was transferred 6 times was on hold for over an hour then was asked to leave a voicemail, 2 days later I received a voicemail back from them saying to call them back and stay on hold to talk to someone. I can't stay on hold for hours at a time I do work.
Consumer complaint received 2022-05-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MI)

We had autopay set up with United Wholesale mortgage. In XXXX of 2021 we contacted UWM and needed to change banks for auto pay. We walked through changing bank information with representative at UWM. In XX/XX/2021 and she said we were all set. We received a US postal default notice from UWM ( first and only notice ). We immediately contacted UWM and they had no answer for why the auto pay did not work with the new bank. After some review they noticed that all the banking information - account number and routing number- were correct. They found that my wife 's middle name was not on the auto pay request and that was given as the reason why it may have been rejected. The representative stated he did not now why the auto pay did not work because all the other information was correct. We corrected and added my wife 's middle name and all subsequent payments have been made successfully. We disputed this with XXXX ( we have membership with them ) and they attempted to resolve the issue and may have reduced the default remark to a 30 day late pay on my credit score. My excellent credit score of XXXX was reduced to XXXX and currently stands there.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

hello, my name is XXXX XXXX, I have a loan with XXXX, XXXX XXXX who is the lender, and, Select profolio is the servicer. I have reached out to XXXX in the past and I was told they no longer service my loan, however I should reach out to Select portfolio, when I reached out to Select profolio, they told me that XXXX XXXX is the lender. I need to know who the lender is on my loan and how I can reach them.