davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FRESNO CREDIT BUREAU (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CREDITORS BUREAU USA XXXX Balance {$480.00}
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I have reached out to XXXX and requesting information such as, my consumer file in which I have yet to receive a response. 
XXXX is in violation of my rights as a federally protected consumer.
Consumer complaint received 2021-05-25
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. (NY)

XXXX  is reporting inaccurate information and fraudulent status never late and is a XXXX  balance My account capital is current and never late and there are duplicates my XXXX XXXX XXXX XXXX  is paid with XXXX balance why does XXXX  keep posting old information and inaccurate information. 
My.XXXX  account is a settlement XXXX  balance. XXXX is continuing monthly to report inaccurate information the disparities and discriminatory action to report fairly and accurately must stop. 
These actions hinders my chance of looking favorable to creditors and financial organizations. It must stop and as a last resort if this continues I will seek legal assistance.
Consumer complaint received 2020-09-10
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. (MN)

I have numerous credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report. The only credit inquiry that should be listed on my credit report is, XXXX XXXX XXXX/XXXX XXXX. All of the other credit inquiries listed on my credit report are fraudulent, unauthorized and not my credit inquiries. I should only have 1 credit inquiry on my credit report.
Consumer complaint received 2019-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (CO)

In the year XX/XX/XXXXme and my mother as a ci-sugner bought a XX/XX/XXXX XXXX XXXX, the total price for the vehicle was {$23000.00} with {$1000.00} down payment and dealership fees and other fees that gave that sum. Seller was trying to sell us the vehicle and just started adding numbers and more numbers and % for lease without explaining and if he did explain, it was short and like any other seller says when trying to get some one to sign, he said ; sign here for this that and this portion for this and that not explaining well the % of interest and principal when he mentioned 8 % only and folding the papers not letting us see the total dollar amount of {$38000.00}, if we would of have seen the {$38000.00} we would of think it through and not take it, nor did the seller offer any other financing options like a new XXXX with 0 % apr, and only just showed us the total for {$24000.00}. We feel that we were taken advantage of and did not offer a good customer service as well. 
If there is something that can be done or even try getting rid of the vehicle it would be good since we are not wanting to keep paying {$510.00} per month for the rest of the contract a total of 3 and half years with balance of around {$17000.00}.
Consumer complaint received 2020-09-10
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. (MN)

I have numerous credit inquiries listed on my Trans Union, XXXX  and XXXX  credit report. The only credit inquiry that should be listed on my credit report is, XXXX XXXX XXXX/XXXX  XXXX. All of the other credit inquiries listed on my credit report are fraudulent, unauthorized and not my credit inquiries. I should only have 1 credit inquiry on my credit report.
Consumer complaint received 2018-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Good evening. 

I purchased a vehicle in XXXX of 2015. The finance company is Credit Acceptance Corporation. 

The original price of the vehicle was {$6400.00}. I put down {$3000.00} After providing my downpayment, as I went to sign my finance papers, I was informed that XXXX adds an extra {$2000.00} onto the price of the vehicle for their " lending service fee ''. Then, on top of that, since it made the loan more than what the vehicle is worth ... I was required to pay them a MANDATORY GAP insurance payment that was included in my monthly payment. 

Now, I understand that a higher finance rate is acceptable when starting over to rebuild your credit. But I have since found out that XXXX has been sued and found guilty in many states due to their " lending fee '' as it is considered predatory lending. Not to mention, GAP insurance is voluntary. I would not have even needed it if not for their {$2000.00} " lending fee ''.
Consumer complaint received 2024-03-12
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Shellpoint Partners, LLC (TX)

Company PHH Mortgage allowed ex-wife to have several loan modifications on a loan to them. My name was always forged and was never contacted. I have all the documentation from XX/XX/XXXX to today with this bank. In the divorce I took ex-wife to court ( In XXXX ) we did a Quit Claim Deed in Texas. She forged my name after that and I pressed charges. Now this company PHH mortgage is allowing her to do the same thing again. No documentation from me such as social security cards, Texas drivers licenses nor passport. My credit took a major decline and this PHH Mortgage has no record of documentation from me.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reached out to XXXX and requesting information such as, my consumer file in which I have yet to receive a response. 
XXXX is in violation of my rights as a federally protected consumer.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Back in XX/XX/2021 I apply for a cash out refinance on my home with Amerisave. 
I was told that for closing I need it to use XXXX as Title company and there was not other choice. I have no problem, everything was moving fast I was approved and all look good except for the title. 

I have an old Heloc with XXXX that was transfer to XXXX XXXX and the title company did do anything and they expect me to call XXXX to get all paperwork done. I call XXXX XXXX and they send them a letter explaining the situation and then the Title company said that there was a lien from an old loan. They are now claiming that XXXX told them that it takes 30 days to remove the lien. They could have started the process long time ago it is been already 3 months. 

House is 100 % paid off so I don't understand what is the lien they are talking about. It seems that XXXX is not really making any effort to clear the title. I was told by Amerisave that they are short handed but that is not really my problem.
Consumer complaint received 2022-01-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (MD)

I purchased numerous items of furniture from XXXX XXXX online on XX/XX/XXXX ( Items 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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) coming to a total of {$5600.00} XXXX I registered with Affirm to pay for my purchase, for a no-interest loan that would go over a few months. I paid the loan off without any late payments ( early ) on XX/XX/XXXX. XXXX XXXX said several items were backordered and monthly I checked the order to see when to expect the shipment. I received {$4800.00} worth of furniture but never received the 1 ) XXXX or 2 ) XXXX XXXXe from the original order for a total of {$790.00} worth of merchandise. These items were canceled BY XXXX XXXX on XX/XX/XXXX without my knowledge and will not refund me for items not received. Affirm refusing to escalate this issue as it is outside of their 60 day window from the loan agreement. I initiated calls to XXXX XXXX and Affirm on XX/XX/XXXX with neither party willing to assist or contact the other to reach an agreement.
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

My spouse and I applied for a mortgage loan through our broker with Pennymac, who we are existing customers with. My spouse is in the military and we are purchasing a home to relocate. Pennymac requested excessive documentation related to my work and job transfer, which was provided. I submitted a letter from my employer explaining that my job transfer would not affect my employment status with the agency and I will continue to receive my current pay or greater and my transfer package was under review. This did not satisfy Pennymac and they wanted an approval or an explanation why it cant be approved at this time. I provided another employer letter explaining the process of the transfer approval and it is under review with management and HR. Pennymac still wouldnt accept this and requested I provide proof of telework. I provided proof of telework, but they still wouldnt accept this because it wasnt remote and they wanted my employer to provide proof that they would grant me remote status, which my position is not classified for. I said I will take leave on in office days, again, Pennymac would not accept this. Eventually they told us that our application is denied. They didnt even ask for proof of my spouse being relocated ( I.e. military orders ). They denied us on the day we were supposed to close ( XX/XX/22 ) after trying to provide them everything they requested. They were trying to tell me that they needed me to provide proof from my employer granting impossible requests, which could not be done due to union regulations and rules. Their requests were excessive and unreasonable and cost us time and money and most importantly, our house.
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (MA)

Received debt collect bill from Account Resolution Services a debt collection agency, on XX/XX/XXXX about charges from XXXX. The provider makes no sense, I called ars twice to get more details, but they refuse to disclose info, was told i need a lawyer. I also requested in writing via snail mail who sent them this debt, no answer. I believe it is an attempt at a fraudulent collection, as i had insurance in all of XXXX, and my insurance company never received any bill from provider shown in ars collection attempt. I am asking consumer finance, to please retrieve relevant specific information about original debt, or request ars remove collection attempt, or i will take legal action.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I have never lived at this address nor does anyone else. This address belongs to a Drs Office Complex. I have called and complained and was told it would be corrected for over a year now ... and here it still sits. I spoke to them on the phone, corrected this on the phone BUT they want ME to send proof of where I live! I told them to send a letter to THAT address ( which is much easier for me ) and to see that it WILL come back to the sender! OR send me a SELF ADDRESSED STAMPED envelope to me! I'm getting really upset that this hasn't been taken care of in over a year!!
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I purchased a vehicle in 2016 with a XXXX XXXX through XXXX XXXX. I paid consistently for 2 yrs then lost my job. I self repossessed returned car which was run through auction. To this day 7yrs later it is still on my credit as an open delinquent account with same money due from before auction. I have contacted them with no option but to pay full amount. They keep checking my credit and will not close account or remove it. It is hurting my chances of ever getting a home loan or better credit. I feel this practice of high interest loans is wrong as it can never be paid off successfully. I need help getting it removed or closed. Please.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I sent a letter to this company to cease and desist communications with me and not to contact me, they are still calling and harrassing me and antagonizing me on the phone like its a game. They are mad because I was able to proof forgery and they did not validate the debt and I have several violations on them. They have called friends and family in the past and will not stop. I want the harrassment to stop with the phone calls. I have sent them certified letter and email to stop.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

On XX/XX/XXXX I put in an application for a secured Credit Card with Capital One. On the Application, they Asked for all of my information including my Social Security Number. They stated that my application could not be verified even though I presented my SSN and sent me an Adverse Action letter on XX/XX/XXXX. Also stating further reasoning provided with the letter with this complaint. 

My question to Capital One is, Based on the LAW what did underwriting use to deny me? Due to the fact that I gave them my Social Security Number. 

I am rejecting the Adverse Action letter, I am aware that a Credit Application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as a self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C 242.
Consumer complaint received 2021-05-25
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: Nelnet, Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I had a student loan with XXXX and XXXX reported my account as 120 days late to TRANSUNION, which is incorrect. I entered into an agreement with XXXX in XXXX and told them that I would be going back to school in XXXX so they put a hold on the account until then. I didnt go to school in XXXX as planned. I called them and made payments in XXXX and XXXX per the second agreement I made with them to keep my loan from being in default. I have payment receipts to prove I made payments. They also reported that my payment was {$45.00} instead of the XXXX payments I was making. Incorrect information again. I contacted XXXX first and they did nothing to remove the false information in my credit report. I decided to consuct business with XXXX instead. The loans at XXXX are paid in full and the account is closed but TRANSUNION is still reporting the account as 120 days past due. It brought my score down significantly. All that I asked of Transunion was to remove the remark regarding my payments being 120 days late and give me back the points I lost on my credit score.  TRANSUNION has done nothing after I contacted them several times regarding the removal of the incorrect infomation.
Consumer complaint received 2023-01-18
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (AZ)

XXXX Received an email from AMEX advising that my credit limit had been lowered from {$5000.00} to {$1800.00} ( 64 % ). It was strange enough to received this email on a Sunday, but the following added to the strangeness : 1. They reviewed my history with AMEX and Credit report- On-time payments for 2.5 years and my credit score has improved. 
2. The number of accounts with delinquencies-4 ever late 3. Credit limits too high- I just paid AMEX {$4500.00} on XX/XX/21. My utilization went from 98 % to 62 % 4. The length of time you accounts have been established-Oldest 17.5 year and average 4.5 years. 
5. Ratio of loan balances too high- not sure. Maybe recent personal loan to work on my debt. 
6. 6 inquiries in the last 12 months 8. AMEX upgraded me to platinum last month. 
7. I immediately called and was told that I have 2 options- pay {$350.00} by XX/XX/21 and my limit would be reinstated within 30 days or submit income documents for review and my limit MAY be reinstated within 30 days. Rep asked which I preferred and advised me that I should be lucky because not everyone gets this offer. Feels like extortion since they just received almost $ XXXX I don't understand and would like to know if this process is for every AMEX customer or just XXXX  women.
Consumer complaint received 2021-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Coinbase.com is a well-known cryptocurrency wallet and exchange, but with a checkered, shady past. Despite this, they remain the easiest and most popular way to purchase and sell cryptocurrencies. 

After reading this article ( XXXX XXXX XXXX  ), I decided the safest thing to do for the funds I have with them is to move them out. If Coinbase has the ability to shutdown buying and selling wontonly and against the wishes of its customers, which is a market manipulation issue in of itself, then there's nothing stopping them from seizing my coins without notice or reason. 

On XX/XX/2021, at about XXXX XXXX  PST, I withdrew my bitcoin holdings to the tune of XXXX XXXX or about {$1700.00} USD at the time. Coinbase said this would take 6 block confirmations ( or about an hour give or take ) for the transaction to complete. However it's important to note that transactions are broadcasted to the Bitcoin network even before any confirmations take place, meaning that receiving wallets will know when funds are incoming even though the transaction overall is still pending ( waiting for confirmations ). It's now been about 2 hours since Coinbase claims my bitcoin was " sent '' and yet my receiving wallet doesn't show the new transaction, block explorers ( which allow people to see transactions directly from blockchain data ) are showing no activity for the address used in the transaction, and Coinbase itself shows 0 confirmations ( which again take about 10 minutes each ).

The images I provided were 4 expected confirmations after the coins were supposedly sent. At least 10+ blocks or confirmation periods have passed and yet my funds are still in Coinbase custody. 

My account has no restrictions. The transaction was not restricted in any way ; I have not been notified as much ( which is another red flag issue ). The bitcoin addresses I used are 100 % correct, so this is 100 % the fault Coinbase and their denial of expected service. 

I emailed Coinbase support with no response. I've posted to relevant social media, which their support reads and responds, with no response. Digging a little deeper on their subreddit ( XXXX ), I'm far from the only person experiencing these withdrawal games. Given their checkered past and known hostility towards the consumer, I fear the worst for my funds. 

Again, I'm not the only one in this boat. Please investigate this company thoroughly.