davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-02
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. (CA)

EXPERIAN keeps on reporting this item as a charge off- I never applied or received any money on this account- XXXX XXXX and XXXX XXXX This account is a fraud account - i called the companys several times and I get the same respond that its mine - I do not have any record of these items on my behalf
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (OR)

I am reaching out for your assistance because I am never able to get any help by telephone or within the branches. Recently my account was overdrawn just under {$5.00} and I deposited money to bring to correct the matter. Days later my account was over-drafted for transactions that should have already been deducted from my available amount within my checking account. Because of this my account is now over {$150.00} overdrawn including numerous fees. I have contacted customer service who refused to assist with waiving some of the fees if I was able to deposited money. They directed me to a payment assistance group who also refused to help. They informed me that I will receive additional overdraft fees this Friday as well. This is not the norm for my account to be overdrawn and when I do contact your company for help I am always met with refusal. I chose your bank because I felt you were different then other banks out there but you are actually worse because those other banks actually do attempt to work with or help their customer to show they do value them. This is not the only incident with your company. Back in XX/XX/XXXX of this year my tax returns were deposited and I went to the branch located within XXXX on XXXX XXXX XXXX and XXXX XXXX in XXXX, Oregon to withdrawal {$3000.00}. When these funds were attempted to be deposited at XXXX XXXX XXXX within my wife 's account she was told one of the {$100.00} bills was counterfeit. XXXX XXXX XXXX stated they could not give it back to her and they had to report it. When I contacted that branch about the matter they refused to help saying " Their bankers are trained to catch counterfeit bills. '' The banker that assisted me with the withdrawal was new because her manager had to sign off on the transaction. The manager did not check the cash and the banker did not mark them or check to confirm there were no counterfeit bills. Just because someone is trained to something does not mean you are going to be accurate all the time. We are humans and we make mistakes. I did not make a complaint at that time because I was already met with refusal of help and I had received that same reaction before. If you need to reach out to XXXX XXXX XXXX to confirm this you can contact XXXX XXXX at XXXX or XXXX. My wife 's name is XXXX XXXX and the attempted deposit was made on X/XX/17.
Consumer complaint received 2022-09-09
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. (MO)

I am disappointed by the action taken by the Credit Reporting Agencies and chose to not delete all the disputed fraudulent items from my Credit Report. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft. I previously asked the Credit Bureaus for them to provide me copies of proof of verification but until now, the Credit Bureaus have sent me nothing. If the Credit Bureaus can not prove that the disputed items belong under my name, I need the Disputed fraudulent accounts to be deleted as soon as possible. I am submitting this CFPB complaint as a reminder to the Credit Bureaus that a consumer is trying to correct his Credit File from the negligence and indifference of the Credit Reporting Agencies. Under the FCRA section 605b, I need the following items be completely deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 2018-01-02
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. (LA)

I am so sick of these credit bureaus ... I am frustrated they constantly violate the credit laws XXXX consumers reports yet nothing happens.. XXXX is the worst of them all I 've sent in several letters including. Fraud affidavit proving I had been a victim of identity theft ..they did n't investigate.. Transunion and XXXX both allowed fraudulent accounts to continue on my credit profile, XXXX allowed XXXX XXXX XXXX XXXX XXXX to report the same account twice using different account numbers for the same repo .. Both have different open dates on accounts, last active dates and tons of inaccurate illegal information to report according to the federal credit law all bureaus must report 100 % accurate information if the information is accurate should n't it all be reporting the same in everything? They let fraud account stay on without investigation all they do is replied verified if you both verified the same account information how come the information your both reporting is the same ..I really XXXX off and will be obtaining an attorney I have kept records of my letters to these two bureaus.Something needs to be done about these two bureaus constantly breaking the laws and not being held accountable for their actions while causing harm to consumers credit worthiness .. I 've included a list of not accurate information, fraud accounts, illegal reporting and it will show you exactly what I 'm saying I 'm tired of theses companies someone needs to put some actions on them they XXXX .They are supposed to deleted outdated information.they want even remove the fraudulent outdated addresses on my credit profile, the only address should be reported is XXXX XXXX XXXX XXXX XXXX XXXX la XXXX I 've been here 8 years all other addresses are outdated and I asked them to remove them .. some never belonged to me
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to Privacy. 15 USC 1681 Section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 2019-10-28
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. (NV)

My mortgage that I obtained with XXXX ( XXXX XXXX ) on XX/XX/XXXX was sold to XXXX  XXXX on XX/XX/XXXX and when they sold it XXXX  XXXX booked it on my credit report as a NEW TRADE Line when its not. XXXX XXXX won't approve new credit card requests if you have 5 new trade lines within 24 months. I want it removed from my credit report as a NEW TRADE Line and have it be shown as a transfer. Both XXXX and XXXX show the same loan as a NEW TRADE line and its not accurate and impacting my ability to get a Credit Card from XXXX XXXX
Consumer complaint received 2017-07-14
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: DISCOVER BANK (FL)

1. XXXX Consumer Dept - XXXX XXXX and several other agents that worked in the consumer department gave me a difficult time, hung up in face several times, provided me with false inaccurate information, delayed my investigation, received false verbal consent from creditors which led XXXX to report false inaccurate fraudulent account on to my credit report for at 6 months and refused to cooperate with me making my life a living hell. I mailed ceritified letters, and faxed several documents in just to be going in circles.
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Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. Discover 4. XXXX XXXX
Consumer complaint received 2017-07-12
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: Experian Information Solutions Inc. (TX)

Today I tried to get my free copies of my Credit Reports from the three Credit Bureaus but lately I have not been able too. I am becoming very upset as to why I can not obtain these reports. It seems when someone else inquires they are able to receive the information I seek, but I can not. I have reason to believe there is something reported that they do not want me to see. I would like a copy of my free Annual credit report ASAP.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc. (AZ)

Recently sent out affidavit with invoice attached and had you the CFPB contact Automated Collection Services Inc. They responded with closing the account for the wrongfully, civilly, and criminal violations that theyve committed. Which removing/deletion of an account is admission to the crime theyve committed. 
The Automated Collection Service Inc agent was XXXX XXXX. I DO NOT appreciate my right to privacy and consumer rights being violated. Now I DEMAND compensation by check for the violations committed or else legal action will be taken. Respond only with telling me my check has been sent out for violating me.
Consumer complaint received 2018-01-02
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. (TX)

cra and hippa violation inaccurate information sent the po report to them with the case number with XXXX XXXX  equifax and XXXX taking more than 30 days to resolve my issue
Consumer complaint received 2018-01-02
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. (CA)

I have tried correcting information with two separate companies Experian and XXXX.

XXXX corrected one of my errors but left the other in tact. Since then I have tried making contact with them multiple times, but every time their systems are " down '' and they ca n't process my request. These error need to be fixed but this company shows no interest in upholding their legal responsibility in this matter. 

As for Experian, their systems have refused to verify my identity. The free credit report they provide does not contain information that they require to file a dispute. I have tried multiple avenues of filing a dispute only to run into an unnecessary roadblock along the way. I believe Experian is not upholding it 's legal responsibility to consumers by making their system impossible to navigate.
Consumer complaint received 2018-01-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

Earnest money {$1200.00} XX/XX/XXXX Inspection {$300.00} XX/XX/XXXX Appraisal {$450.00} XX/XX/XXXX Repair on the house that they told me I have to do it before the closing {$480.00} I call them and complain about what happen with the company. homestar financial corporation Georgia I told them that the loan officer XXXX XXXX branch manager of XXXX Georgia mis lead me. He told me I was pre-approved for {$150000.00} but never gave me a pre-approval letter or denial letter. After 7 months working with him he tells me I cant buy the house because I was never approved. So he told me to sell my car XXXX XXXX XXXX and he would give me {$2000.00} credit. He made me a fake bill of sale letter saying I sold a car I told him I got {$5000.00} cash for the down payment. He told me I cant used cash its got to in my bank account thats how he came up with the fake bill of sale. I have the text showing that he tells me to sale my car and tell me about the fake bill of sale.
Consumer complaint received 2018-01-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (MT)

Was unable to gain information on my account by both the XXXX XXXX XXXX XXXX XXXX or its servicer, Heartland ( f/k/a XXXX XXXX ). I was suppose to receive this information sometime in my 6 month deferment period after I graduated. After not receiving it by XX/XX/XXXX, I tried contacting both institutions to get the ball rolling so I could get payments going. After numerous contacts I was assured the information was on the way to me. I tried again in early XX/XX/XXXX to get payment information and Heartland would not help me unless I had an account number. So I waited some more time for the information to get to me. In XX/XX/XXXX, I got an alert on my credit report that an account had been reported negatively ( 30+ days past due ). I was able to research the servicer to a correct website and able to access my information to set up payments. 

Website # 1 : https : //heartland.ecsi.net/ Website # 2 : XXXX XXXX XXXX XXXX  In late XX/XX/XXXX, I received a final demand notice from the company to make a payment to the loan because I was able to update my personal information since the servicer had an outdated address. I tried calling Heartland to resolve the late payment credit bureau reporting due to the inaccuracy. The representative referred me back to the university and would not even attempt to look into the issue nor would offer any assistance to correcting the error out of my control. He kept saying that the error in credit reporting has to be done by the university, which they do not have any control of. 

Also, when I made the payment, Heartland charged a pass-through fee for " convenience '' made by a XXXX debit card. I do not believe that fee is legal since Heartland is not a government entity nor a not-for-profit organization since they retain the interest/late fees made on the loans they service. If my understanding of the old XXXX operating rules and the new EMV rules are in effect.
Consumer complaint received 2017-12-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NC)

My case number is XXXX. 

I first contacted coinbase on XXXX.. I was following the steps to reset my 2-step authentication when you no longer have access to that number. It sent  a code to the old number even though I no longer have access and within a few minutes I got an email saying I had successfully changed my password. I put a temporary disable on my account because I wasnt sure if someone gained access to my account because coinbase sent that code to a random person.. even though again I put that I had no longer access to that phone number. So this all started because coinbase compromised my identity. 

I have sent multiple emails, waited on hold for over 2 hours on 4 separate occasions, escalated my issue, reached out on XXXX and XXXX. Coinbase sent me an email to explain My case and escalate it on XXXX/XXXX/XXXX. It had already been almost a week. I was told my issue would be solved within 10 days. 

I think this company is a fraud and is purposefully withholding my login. I cant possibly imagine a company that will not contact you back for weeks when it is involving time sensitive money when all I needed to do was change a telephone number on my account. I have lost money and I am very upset. 

This is happening to hundreds if not thousands of people. Literally all I needed was someone to let me change my telephone number and unlock my account. My money is held hostage and I can not withdraw until this happens.
Consumer complaint received 2017-07-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

On XX/XX/XXXX received a telephone call from XXXX collection agent, XXXX # XXXX. She stated that I need to make a payment towards my mortgage and it was delinquent 15 months. First I told her that I was not delinquent 15 months as 3 months have not been credit to my account from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and further I was under review of a modification that was fully submitted on XX/XX/XXXX and waiting for a decision within 30 days. In a condescending tone, she stated that my modification was not guaranteed and my payment can go up. She further stated that since I was not making a payment I must not be able to show the bank that I am able to afford the house and therefore she is noted my account that I need to look into other types of programs such as deed in lieu. I told her that I was not going to be threatened by her and to speak to my Point of Contact. I was on hold for over 30 minutes and then hung up and called back 2 more times with no success. I contacted the HUD Department and waiting to hear back from them before next week.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (WI)

This phone # being called is not owned by the person the collection company is trying to reach. I have no information about this person, or know anything about this debt, and the issue is I have tried just blocking numbers from the company, but 'Credence ' continues to call, most of the times not completing the call or even saying who they are trying to reach. Once, though a name they were looking for was provided ( don't recall it ). Numbers attributed to Credence that are shown in the caller ID are ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

( Central time ) dates of phone calls are ; XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX etc.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an unacceptably lax job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2018-01-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX contacted my husband and tried very hard to convince him that this was my student loan debt. My husband knows we are timely with all of our payments and did not believe them and told them I would call them back. When I called them back, they could not verify the account number given to my husband, they could only verify his phone number called ( red flag # 1 ). I explained to the lady that this was not my loan as I consolidated years ago, she proceeded to tell me that loans fall through the cracks and I needed to pay ( red flag # 2 ). I told her flat out this is not my loan and that she is committing fraud. She asked me to verify my social, I refused, she gave me my social ( red flag # 3 ), she asked me to verify my address, I refused, she verified my address ( red flag # 4 ). I asked her for proof that this loan was mine, she asked me for my email and I refused. I told her she has my address she can mail it to me. This has caused me so much stress. I thought this would be the end of the situation, but on XX/XX/XXXX, I received a collections letter ( in my maiden name ) stating an account balance of {$9900.00} with the Original Creditor as Bank of America. I have never banked with Bank of America or pulled loans from them. This debt is not mine, I regularly check my credit report and have never seen this debt. I also confirmed by checking the National Student Loan database and it is not listed. I receive numerous calls daily, which I do not answer, please help resolve this fraudulent debt and have them stop harassing me and my husband. Thank you.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (PA)

I have submitted a previous complaint regarding this matter. Discover has continued to fail to uphold their end of their contract. Discover has ONLY 90 days to resolve a credit card dispute. It has been over 90 days and Discover still hasn't made a final ruling despite ruling in my favor. According to XXXX, " The card issuer must complete its investigation within two complete billing cycles of receiving the dispute, which generally means two months, and can not take more than 90 days. '' XXXX XXXX XXXXXXXX How much longer must this dispute go on before a final resolution? It's passed 90 days. It's unfair for Discover to rule in my favor yet continue to drag this on way past 90 days. The dispute number is : XXXX THIS TRANSACTION WAS NEVER UNATHORIZED, THE MERCHANT NEVER REPLIED WITHIN 90 DAYS.