davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

U.S. Bank has a written policy that the only person whose name is on the bank signature card can access those funds with proper identification. My concern is that although I sent Consumer Financial Protection Bureau ( CFPB ) a complete outline of the specific issues of my complaint your office did not respond to my correspondence but allowed U.S Bank to investigate themselves and respond to my complaint, as it seems that you did not review the facts of my case. 

I know that the Consumer Financial Protection Bureau ( CFPB ) is under attack in funding by the Trump Administration as I have also been trying to bring this issue to XXXX XXXX that I understand was the author of this federal agency wherein we are working to contact her office and other state and local agencies in California.
Consumer complaint received 2019-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (FL)

On the evening of Friday, XX/XX/XXXX I decided to review all of my account statements from Regional Acceptance Corp to determine why my balance appeared to be high despite the additional payments I've been making since XXXX of this year. I found a few items that caused me a bit of alarm My account statements began reflecting a higher balance due in XXXX and have maintained the entire year. Instead of the {$390.00} car payment agreed to, I am consistently charged an unexplained additional cost of {$40.00} and the total amount due reflects {$820.00}. 

I found that I am being overcharged and my additional payments have not been applied to the principal as expected. This practice hurts me tremendously because I'm already paying high interest rates. It feels like I am caught in a web that makes it impossible for me to pay off my debt. 

It came to my attention that when I was making every effort to pay down my debt and sometimes making multiple payments my past due balance was increasing. I don't understand how that happens. 

My statement currently shows a past due amount though I am not past due and I've been charged late fees despite paying ahead of time this year. A request will be made to look into this issue as well as credit back the late fees and remove any inaccuracies. have written a letter that I will be mailing to Regional Acceptance Corp detailing my grievance. It will be attached with the other supporting documents.
Consumer complaint received 2022-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I put XXXX, XXXX XXXX XXXX Equifax on notice that someone had attempted to use my information to obtain different lines of credit. I also filed a FTC report along with a police report. I called into each credit Also on Tuesday XX/XX/XXXX, spoke with different agents about the matter. Equifax and XXXX XXXX both confirm that that they received my complaints and proceed to delete that Hard inquiries from my credit report.Today I checked my XXXX XXXX Account and to my surprised I noticed that they in fact deleted the inquiries but then some how placed them right back on my credit report I have attached screen shots of what I see on my end.Im attaching the list of hard inquiries that do not belong to me to knowledge and after calling the creditors making sure I do not have any open accounts with these companies. 


now Im am contacting your company to have to you promptly fix this matter is low horrible to anyone else that might decide to business with that credit has been ran so much and I can deeply about my credit and the business I do with creditors that I do have. I my credit report reflects that much. 


Heres the list of the inquiries that were added back on I'm assuming by mistake to the computer system. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-05
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IN)

I am writing to dispute the following information that Infiniti Financial Services provided to XXXX. 

This 30-day late payment is inaccurate because I was setup on automatic payment draft and my payment should have been drafted. 

Furthermore, I spoke with an associate at Infiniti on XX/XX/19 when I noticed that the website was showing me past due. This associate spoke with me on a recorded line and confirmed more than once that I would not be considered 30 days late because I called and made both payments for XX/XX/XXXX and XX/XX/XXXX on the 30th day. 

I am requesting that Infiniti Financial Services pull this recording for verification and have the 30 day late removed from my credit report to correct the information. I have always paid on time with them and I have excellent credit. 

After I heard back from Infiniti Financial Services that they were not going to remove the late mark on my credit. I sent a certified letter on XX/XX/2019 requesting that they re-review. I sent it to this address : Infiniti Financial Services Attn : XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Texas, XXXX, but have not heard back and my credit score dropped significantly due to this 30 day late mark. Over 40 points.
Consumer complaint received 2019-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (FL)

I am writing to request assistance in obtaining a response from Coinbase on the below matter. I have tried to contact them on my own without success. I feel defrauded and helpless after being unable to get ahold of anyone.

Comments on Coinbase Support : 1 ) When calling their phone number, every prompt selected results in a pre-recorded message followed by them disconnecting the call 2 ) When I emailed them, the representative did not acknowledge my message ( essentially the same as below ) and returned a comment how Coinbase does not charge a fee for cryptocurrency conversions. 

Cryptocurrency is extremely volatile I understand this. I have been playing with it for years and accept the large ups and extreme downs. However, upon looking back on a transaction that occurred on Coinbases platform, I feel that I may have been defrauded as a transaction took place well below the market prices during that day. While I approved the prompt on Coinbases mobile app to execute the transaction, I assumed it would be done at the market prices for both assets and did not recalculate their numbers for accuracy ( See attachment, from XX/XX/2019 for reference, showing prompt which does not clearly note exit price from one asset and entrance price in purchasing asset ).

Comments on Coinbase app : 1 ) They do not allow limit orders on their mobile app. I assumed that the market price executed would be the market price shown on their pages.

2 ) Per Coinbase support, We do not currently charge a fee for cryptocurrency conversions, where one kind of cryptocurrency is exchanged directly for a different kind of supported cryptocurrency.

3 ) Coinbase is registered as a XXXX XXXX XXXX with XXXX. This is a large factor in my reason for assuming their prompted conversion amounts were accurate and did not verify. 

Please see the attached XXXX prepared summarizing my recent Coinbase transactions. The transaction in question occurred on XX/XX/2019 at XXXX. Assets that were valued at {$2200.00} during the day were converted to {$1800.00} instantly. Based on my calculations, they exchanged my assets in a way that resulted in a 15 % fee in their favor.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

from : XXXX XXXX XXXX The XXXX website is not currently available at your location. Visit www.consumer.ftc.gov/articles/0155-free-credit-reports or www.consumerfinance.gov/learnmore/ to learn how you  can request your free U.S. credit report by mail. 

I am a USA citizen. Why can't I see my credit report on line?
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Student Loan Assistance Center (FL)

Received call from United Student Loan Assistance Center. They said student loan was going into default and for three payments totalling {$500.00} they would get loan forgiveness due to XXXX. Fell for it but then got to checking and found this is a scam. Have froze my accounts with all three credit agencies and putting stop payment on checking account tomorrow. Wanted to report them so that others don't get scammed too.
Consumer complaint received 2019-07-05
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. (MO)

The collection agency XXXX XXXXXXXX XXXX has agreed I do not owe this debt. They also stated they notified the credit reporting agencies. I need this to be removed from my profile ASAP. I've been saying for the last year that I did not owe this company anything. Also I received a letter from the company stating they were reporting unverified information. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2019-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to log a dispute with Trans-Union for the past two months. The website has been reporting " Technical Difficulties '' for the entire duration. I have searched message boards regarding these " Technical Difficulties '' and it appears that this problem has been going on a lot longer than two months. It is my belief that Trans-Union has purposely disabled the credit dispute portion of their website.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I found my credit report with Experian has been frozen. I have tried online to unfreeze at least 5 times, I have also sent in writing three times to a XXXX XXXX XXXX Texas three forms  of sensitive identification i.e SS number, passport, bill with address. 
I can not reach ANYONE at the company and there is no email to find out if my information has been received. 
My account is still frozen and I am VERY CONCERNED that my personal information could be in anyones hands. 
The worst part is there is literally no way to reach them. 
Before I have an identity problem can you please help me and unfreeze my credit but more importantly assure me my personal identification is safe. 
Please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX
Consumer complaint received 2018-02-25
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: WELLS FARGO & COMPANY (KY)

Unauthorized credit Inquiries on XXXX credit report a hard inquiry Institution Information WF CRD SVC XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX My information was compromised from XXXX   data hack. Someone was using my information identity
Consumer complaint received 2015-11-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (NC)

Credit Bureau Systems is reporting a damaging collection account on my credit report. I have sent them a debt validation request over 30 days ago and I disputed it with the credit bureau but this collection agency verified to Transunion that the debt is reporting correctly when in fact it is n't which is a violation of the FCRA and FDCPA. They did n't even report it as disputed. By law they are not to report a debt that has not been validated. This reporting is has already caused me damage and I can not get approved for credit with this inaccurate listing on file. I never got anything in the mail from this agency not even a call. It 's like they 're totally disregarding me and my position.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WI)

On XX/XX/2019 I discovered XXXX XXXX ; Account number XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Consumer complaint received 2019-07-05
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)

Experian and XXXX failed to verify the accuracy on XXXX XXXX XXXX, XXXX XXXX XXXX..The accounts are current, paid on time..Please remove the late status from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

Fraudulent/unauthorized charges. Dates from XX/XX/XXXX through XX/XX/XXXX. Multiple fraud charges throughout time frame mentioned above. Bank denied Fraudulent charges stating I authorized them.I called them back letting them know I did not authorize these charges. They said they would have the executive office look into these Fraudulent charges. They responded by email on XX/XX/XXXX. So far no response. Case # XXXX. Also referred on letter correspondence as claim # XXXX. Wellsfargo Bank is where my account is.
Consumer complaint received 2019-07-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

I tried to call One Main Financial but they put me on forever hold and when I got to speak to a person they were extremely rude to me and refused to continue communication. 
in XX/XX/XXXX I made a bigger payment on my account as well as in XX/XX/XXXX and XX/XX/XXXX however they reported it as of No data to credit bureaus. It is a fraud! They charge me a very high APR and do not work at all.
Consumer complaint received 2019-07-05
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: Experian Information Solutions Inc. (GA)

On XX/XX/2019 and XX/XX/2019 I requested verification of several accounts on my file. 

The data furnisher has not to date responded to my request. I have given them more than enough time to complete their investigation. They have ignored my request to update personal info such as my name variations, phone numbers, and address, along with them not providing requested info about verification of accounts listed above. under FCRA Section 611 Part ( A ) ( 1 ), i have a right to dispute inaccurate items and request verification without them using XXXX and they must respond within a certain time frame and they have not on both occasions. I am requesting they delete the below accounts immediately The accounts are as follows : XXXX XXXX 2 times/accounts ( XXXX only  ) XXXX XXXX 3 times/accounts ( XXXX XXXX ) XXXX XXXX 2 times/account ( XXXX XXXXy ) XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXX ( experian and XXXX )
Consumer complaint received 2022-07-21
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2019-09-19
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: Mortgage Research Center, LLC (NC)

Veteran 's United Home Loans based out of XXXX, MO pulled my credit report without my authorization. My husband had been working with them on a pre-qualification. I was not involved in any of their previous discussions. 

I did not authorize them to pull my credit report. When I called on XX/XX/XXXX to inquire as to why they did pull my credit several people were conveniently " unavailable '' to talk with me. On XX/XX/XXXX a person named " XXXX '' from the " Production Management Team ''  returned a call to discuss inquiry from XX/XX/XXXX. When I was able to speak with XXXX he informed me that my husband had filled out the online application and had given them permission to work toward a pre-qualification. When I contested his authority and my husband 's authority to grant permission to accessing my financial information his response was, " Your husband is allowed to grant us permission because you are legally married and he has that authority. '' Last time I check, this was not XX/XX/XXXX and I have my own rights independent of my husband and I am the only person who can grant anyone else access to my personal, identifiable information such as social security, HIPPA, etc. This includes access to my credit report. 

Veteran 's United Home Loans infringed upon my personal rights by accessing my financial information without MY express consent. The fact that I am married has no relevance in them not seeking my permission. I was not in contact with them during any point of my husband 's attempt to pre-qualify for a loan.
Consumer complaint received 2017-05-30
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION (NY)

In XX/XX/XXXX XXXX XXXX applied for a student loan with Sallie Mae to attend XXXX XXXX XXXX XXXX XXXX in XXXX, NJ. She started school, continued her education at the XXXX location, and then began her XXXX houXXXX XXXX program in XXXX, NY, at XXXX XXXX XXXX XXXX. Where she performed her XXXX with no pay while at the same time paying her monthly payment of {$25.00} per month to Sallie Mae. In XX/XX/XXXX, she consolidated her loan with XXXX XXXX, the amount of the loan is for {$20000.00} for a 15 year loan. She began her XXXX XXXX payments XXXX XXXX. She completed her education and XXXX XXXX XXXX. XXXX XXXX XXXX XXXX notified Sallie Mae of their closing XXXX XXXX, XXXX. XXXX was not notified. Sallie Mae disbursed her loan to the XXXX XXXX XXXX XXXX XXXX, New York location shortly after her application was approved. The loan was disbursed to a school that she DID NOT ATTEND. Upon recent research we have been notified by both Sallie Mae and NJ Department of Education that the XXXX school was not a Title IV school. The XXXX XXXX loan was consolidated in XXXX XXXX without any knowledge of the school closing. XXXX never received any certificate or transcript from her 18 month education at the XXXX location. Without proper documentation to her attendance and graduation and required hours of XXXX  XXXX is unable to sit for her registry to obtain XXXX XXXX XXXX license. Both XXXX of XXXX XXXX XXXX and Sallie Mae proceeded with a loan that was fraudulent. Sallie Mae did not do their due diligence in confirming where funds were disbursed and to the schools authenticity. There are no records of any of the graduates from the school preventing all students who paid the tuition unable to peruse their career. What would be a fair resolution to this issue? The only resolution would be for the loan to be forgiven and XXXX receive back all her prior payments to a school which was paid by Sallie Mae but that she did not attend.
Consumer complaint received 2022-07-21
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 (FL)

I have asked several times to have the following address removed ; - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, FL. XXXX, This is a incorrect address and I would like it to be removed as soon as possible. 

Correct Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX  15 U.S.C 1681G, is the law that is being violated 15 U.S.C. 1692e, False or Misleading Representations
Consumer complaint received 2019-10-10
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: WELLS FARGO & COMPANY (CA)

I purchased a refrigerator for {$1400.00} using Wells Fargo Credit card, the refrigerator makes loud roaring sounds, I called the merchant but the merchant was of no use and did not solve the problem, so I filed the dispute with Wells Fargo and they gave 30 days to the merchant to respond, merchant did not respond in 30 days and Wells fargo made the credit permanent. Now after two months merchant contacted Wells Fargo and said that now they want to respond and Wells fargo opened the dispute again. This is not how it works, Wells fargo have a standard procedure and they should follow it.