davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chime Financial Inc (NJ)

On numerous occasions the XXXX XXXX XXXX card has reported that Ive had an open balance Ive called numerous of times I can pull my phone records I have proof that all my balances were paid off. XXXX XXXX XXXX  is a prepaid credit card and you can only spend what you put on so I do not understand how I have an open balance in each month it goes higher and its now affecting my credit score Ive been numerous of calls I said numerous of proof my bank statements and everything every other time Im told they dont know what Im talking about and then I have no balance.
Consumer complaint received 2022-02-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

In XXXX, I had a credit card that was charged off with USAA. Since the charge off, I was informed that this credit card was included in bankruptcy and I could not pay it off. However, my bankruptcy was discharged almost a year prior to the charge off, and should not have been included in this action. After multiple attempts to pay off this charged off amount, in XX/XX/XXXX, USAA finally rectified the status of the account on their end, changing the status of the card from " bankruptcy '' to " charge off ''. However, during this time, USAA negatively reported to the credit bureaus that my account was consistently late and charged off, not included in bankruptcy which was the status they had in their system, preventing me to pay it off. I have finally paid off this card, and attempted to submit a complaint with USAA asking them to remove the negative reports as this error was due to no fault of my own. For almost 4 years, USAA reported my credit card account as " charged off '' for the amount of {$570.00}, however would not allow me to pay it off over the several attempts that I have made with them. I am complaining that due to USAA 's error on their end, prevented me to rectify this situation and pay the amount owed. Because of this, and since I have paid it off in full, I would like this account removed from all bureaus of the credit reporting agencies.
Consumer complaint received 2019-10-05
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. (NY)

Filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus. I have also filed for settlement and found eligible from XXXX  data breach in XX/XX/XXXX  where my information was compromised.
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate. Please remove the negative items from my credit report immediately.
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (IL)

I'm filing a complaint regarding a 3rd party collection agency, XXXX XXXX  XXXX, XXXX XXXX In XXXX, IL for harassing and illegal threatening me for a debt. I asked for validation by sending them 2 different certified letters in the mail that were enough days apart, but still no true validation that the debt is mine.

Cavalry SPV {$1500.00}
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ceannate (FL)

XXXX XXXX XXXX and its representative Attorneys have colluded or is colluding in their attempt to collect a debt not owed. This assertion of collusion is limited to, insofar as the unquestionable evidence suggest, to making false statements to the CFPB and to me regarding the true state of affairs of the complaints made. This NOT a duplicate of any prior complaints but merely an additional complaint to CFPB who is charged with protecting consumers from unscrupulous financial companies who sought to abuse their power. In this case by using dishonest tactics, false representations and documentary fraud. 


It is to be noted that the uploaded document, whilst making reference to issue raised in prior complaints, highlights the dishonesty and unscrupulous tactics that FMS and its representatives are engaged in as they try to collect money NOT owed.
Consumer complaint received 2022-02-22
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. (MI)

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXXXXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), XXXX : XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of 83,000 USD was transferred from my wallet utilizing Coinbase services.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ensuring punctual payments has always been my practice with this account, never allowing any payments to lapse into overdue status. I'm puzzled by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, necessary corrections should be made.
Consumer complaint received 2022-02-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (TN)

I was out of work for about 4-5 months after we had a suicide in our family. An account was compromised, we have an enormous amount of grief regarding a young family member and One Main Financial repeatedly calls me all day long thru different numbers! It has added to my already increased stress level and I want it to stop as I head back to work and figure out how to pay them off. I lived off what I had made in the previous months. I have a daughter in therapy due to XXXX XXXX XXXXy over the event and am headed to therapy myself. I am sick of the ROBO calls. I advise anyone never use them for a home improvement loan or any type of loan. You will regret it. When I get out of this debt to them : I will be an advocate of why not to incur this type of debt. It's just not worth it.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Became aware of an issue with my cc when I was declined by a cashier. I immediately called Capital One to determine the issue. The said I failed to make a payment of around {$10.00} which was an auto payment to XXXX. This was all the cc was used for. I had about 350 n cash rewards that should have been used in worst case. I previously tried to access my account in several of occasions and was unable to login. I believe their mobile app was having issues. Finally, deleting the app and reinstalling, I was able to login. 

I do not receive paper statements and I received no alerts or emails. I believe these failures were at least partially their fault. I havent been late with any payment in 20 years. 

Late charges were removed
Consumer complaint received 2019-06-12
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (GA)

This is the same company I tried to get YOUR ( CFPB ) help on. 

You highly regulate my entire career so please help me when I need you. 

GM violated the FCRA by decimating my credit. 

If I reaffirmed the debt with them, they take payments for two years never late BUT REFUSE TO REPORT THE TIMELY PAYMENTS.. HOW CAN THEY LEGALLY LITERALLY BACKDATE LATE PAYMENTS.. This is a violation of the fair credit reporting act. 

I will contact the department of Justice with this if you do not resolve this matter.
Consumer complaint received 2022-02-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I have an account with PACIFICUNION with the account number XXXX. The dates where it shows that I am late in making my payments were an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to XXXX and XXXX Bureaus and furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account to be removed.
Consumer complaint received 2019-06-12
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: Experian Information Solutions Inc. (FL)

I have accounts that I never signed up for that are somehow showing up in my collections. 

- XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/2019 - XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/2019 2019
Consumer complaint received 2022-02-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NC)

Citi XXXX sent me a Letter to my old address. The Letter had my full name and account number on the first page. Someone opened the Letter before I received it in my mailbox. It took me four hours to try and reach someone at Citibank to put a hold on the account. Wait times for customer service are greater than 20 minutes. Now it is impossible for me to lift and move that money to another account. I have banked with Citibank for more than 15 years. I want to close my accounts in steps so I dont disrupt auto payments and deposits.
Consumer complaint received 2018-08-15
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Social Finance, Inc. (PA)

On XX/XX/2018 a Sofi manager said she would expedite my son 's application if I would immediately upload my college transcripts of which I followed her instructions precisely. However, somehow the application fell through the cracks at SOFI. The application was never expedited as promised and was closed. For three weeks, I have been trying to speak with a manager to find our how we can re-open the application and for some reason SOFI keeps dodging me on speaking with a manager. I have called numerous times and sent numerous emails. Sofi keeps saying the manager has been unable to reach me but what they are doing is calling once and hanging up immediately. At this point, I am starting to see the light. This is all part of a harassment tactic of theirs to stop me from pursuing my case. I want to report them for harassment and unfair business practices. Also, their process is not streamlined and hence the need for the expediting process but this is a long story and far less important in comparison to the harassment I have been receiving by them. Desired Outcome : To have a manager phone me and not hang up and to re-open our original application at the original contracted interest rate. I do not want to start a new application at the higher interest rate ( interest rates have climbed and is now 1 % higher than the original application date interest rate )
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (FL)

It was not told to me directly in writing within the terms that a hard inquiry will be pulled from a financial institution on a pre-qualify offer. I contacted the financial institution to provide me the terms that stated it specifically and they denied the request. I then went to dispute the hard inquiry with XXXX  and they concluded it was to remain on my profile fir the 2 years. This is concerning as it is now negatively affecting me and I am not provided with more information. I will continue to push for more answers and an actual resolution to this, even if it needs to be that I take legal action on both the financial institution and XXXX.
Consumer complaint received 2021-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (LA)

I opened a online checking account with citibank at the beginning of 2021 and since then have been dealing with problems from them about new account fraud as so they say but I've sent them all my info ID, SS card, proof of address and they keep saying my info is not validated.ive called hundreds of times and they keep telling me ill receive something in the mail and never receive anything.they told me my account would be closed and a check sent to me within 30 to 60 days and 90 days later still nothing.they told me to get a verified phone number I did that and for some reason they still can't verify my info.they have been holding my government refund since XXXX XXXX need my money citibank should not be allowed to hold my money from me like this.i call them and ask where the nearest branch to me is and I'm told they have no idea.they supposedly work for citibank but can't tell me where the nearest branch is XXXX.it took them 2 1/2 months just to send me my debit card.my online account says I have funds available but when I try to use them I get a error how are my funds available but I can't touch them.please help me get my money back im tired of this nonsense from a XXXX bank.
Consumer complaint received 2022-02-22
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)

From XX/XX/2020 until the current date of XX/XX/2020... Experian, XXXX and XXXX have continually made erroneous reports of late child support payments on my credit report with inaccurate dates without my permission hurting my credit report.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern, I recently obtained a copy of my credit report and found incorrect items currently being reported which I am requesting you investigate per my legal rights under the Fair Credit Reporting Act : XXXX XXXX, XXXX. Acct # XXXX Please verify the current balance on account within 30 days of receipt. If this information cant be verified, I demand the deletion of this account. 

XXXX # XXXX Please verify the 30 day late payments on the account within 30 days of receipt. If this information cant be verified, I demand the deletion of this account. 

Enclosed you will find a copy of my driver 's license and social security card.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have tried to submit my online disputes with transunion all day yesterday and this morning. In the dispute page of my report it doesn't guve me a edit or dispute button to dispute an item such as my personal name being shown as my brother 's name, a child support collection agcy from the tn dept of human services not being mine but my brother 's once again. I have tried emailing transunion with no response back. I am trying to repair my credit because that is all i have left.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-03-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Mountain Land Collections, Inc. (UT)

Hello, to whom it my concern my name is XXXX XXXX ( consumer ). I'm A federally protected consumer, I would like to thank you for the opportunity to address my concerns regarding Law Offices of XXXX XXXX XXXX, XXXX. representing Mountain Land Collection. ( Debt collector ) This 3rd party law office has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) On 2/25/2021 I ( consumer ) have received a Statement in the mail referring to an allegation of an alleged debt from this debt collector. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) During this initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) This Debt collector has communicated with me at an unusual place without prior consent from me, which I would like this Law office to provide me my writing consent of such action. If request can not be provided this will be an illegal action of 15 usc 1692C ( a ) This so could law office has harassed me to coerce payment on a debt they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This Debt collector has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt and ceased communication on 1/29/2021 to Mountain land collections inc, and still have not received the 5 validation request I asked for, in fact this law office has claimed the Original creditor was epic Emerg Phys integrated which I ( consumer ) was the original creditor. This is a violation of 15 usc 1692g ( 5 ). Debt collector is still commutating with me after i have cease communication with them. this is a violation under 15 usc 1692c ( c ) I have received statement via mail from Debt collector disclosing symbols, which in fact disclose they are in the debt collection business, which is a violation under 15 usc 1692f ( 8 ) debt collector has furnished unlawful information portraying to a collection on my consumer reporting file without my consent. Im am very stunned with this law office breaking the law to coerce payment for their benefit to Undermine the consumer. I will be taking legal proceeding if action is not done to my favor.