davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
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. (AL)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am becoming emotionally stressed about this matter. This is my second complaint because they are saying my complaint is unauthorized. They say that to stall from investigation. They have not shown me proof of the account being late, and it shows the date last active is inaccurate as well. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted, and they seem to be ignoring the laws. These accounts have been preventing me from getting business funding and it's very stressful for me and my family.
Consumer complaint received 2018-06-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I tried to do a bank transfer from Capital One to my XXXX  Invest account and I still keep getting a message saying " Capital One is blocking you from enabling external applications ''. I called XXXX on XX/XX/XXXX at XXXX and they told me they were going to correct the issue. However, it has been a full week and I am still getting issues. I'm unable to transfer funds from Capital One to my XXXX Invest account.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF FINANCIAL CORPORATION (OH)

XX/XX/2016 my mortgage was sold by XXXX Bank to Chemical Bank. My XXXX XXXX payment went to XXXX who was to transfer to Chemical. In XX/XX/XXXX I made XXXX payments XX/XX/XXXX and XX/XX/XXXX to Chemical Bank. I received XXXX late notices from Chemical saying my XX/XX/XXXX payment was n't received. I made an additional payment over the phone XX/XX/XXXX to stop the threatening late pay notices ... 
I pay $ XXXX monthly which is more than my regular payment requires. The additional money is not recorded on my loan. No one from Chemical has been able to tell me why or where that money has gone. 
To date I have spoken to XXXX Chemical representatives beginning before XXXX. The first rep took my cell number and promised to look into my account and call back. Never heard from her. The next rep e mailed transaction history which confirmed no account of the curtailment. The remaining XXXX reps still could n't answer my questions and did n't seem to share in my concern about the whereabouts of the additional {$800.00} per month from my mortgage payments. All checks have been cashed ( see attached. )
Consumer complaint received 2021-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TX)

My federal loan is serviced by the XXXX XXXX XXXX XXXX XXXX through a website they run called myfedloan.org. In the past I've often used the Payment History feature to track how much of my payment was going to the principle on my loan versus interest. Recently I noticed that the Payment History feature has been removed from the website and there is no way to view the payments I've made. When I called customer service to ask about this, the representative informed me that the feature has been removed from the site and that he didn't know why. He told me all payment history requests have to be done manually now, by sending me a statement in the mail in 7-10 business days. This is highly opaque and predatory behavior on behalf of a state agency tasked to not only collect payments but also to support student loan holders with resources and information in their odyssey to be debt-free. This policy makes it onerous to view payment details and I can not believe it's legal for any financial institution to do this. As it is now, I will continue to call in and request a mailed payment history every time I make a payment, which is a complete waste of the government dollars used to fund this agency.
Consumer complaint received 2020-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am being pursued in collections by a debt collection company. the company is attempting to collect on debt that i did not incur. i was pursued in a collection action for an amount that was greater than 20 % than the amount that was charged off. The collection was increased with multiple unlawful fees, penalties, and other administrative costs. I am unfairly contacted at all times of the day in an uncivil attempt to remind and collect on debt that was not lawfully incurred. some of the debt approaching seven years old does not pass the time bar on the statute of limitation for debt collections. I am trying to settle with the law firm that is pursuing the attachment in courts and they are unwilling to settle only attempting to draw out and prolong an already unfair and pumped up debt.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-11-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (CA)

This company tried to charge me a usury interest rate of over 800 % which is illegal in the USA ... I have received a demand letter from a attorney located at XXXX saying that I owe them {$1500.00} I know nothing about this activity and this unlicensed company is trying to get them to collect an illegal usury interest rate account. 
This company does not have a license to conduct this type of activity in the state of California per the Ca. Department of business oversight ... I am also filing a complaint with the California bar association against XXXX XXXX XXXX for violating the Canons of ethics. because this claim that he is trying to collect is unauthorized and illegal.
Consumer complaint received 2016-03-21
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC (MI)

I borrowed XXXX and this company want {$4000.00} back I blocked them out of my account and so far have paid them almost {$800.00} in addition they are charging an additional 200 % making it impossible to pay them off.
Consumer complaint received 2021-03-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (NV)

On XX/XX/XXXX, I contacted XXXX XXXX in regards to a vehicle that was reported to Allied Collection on XX/XX/XXXX. After providing the VIN of the vehicle, at the request of the representative, there was no record of the vehicle at XXXX XXXX. I contacted the DMV on XX/XX/XXXX and it was confirmed that the vehicle registration was surrendered in XXXX, the same time the vehicle was returned to the car dealership. The representative advised me to satisfy the debt but was unable to provide information on the account. Due to a lack of data, I am requesting the removal of this account from my credit report.
Consumer complaint received 2018-06-10
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: Experian Information Solutions Inc. (NV)

I have been a victim of identity theft 2 years ago. I am disputing this account with XXXX XXXX  this should have never been reported to my credit reports. XXXX XXXX/ XXXX XXXX. This account is under my ss # but a females name? How did this happened? Where is the I.D .? Why do the credit bureaus need 30 days for something that's not legit .Please remove asap. XXXX XXXX / XXXX XXXX was paid with creditor XXXX XXXX on XX/XX/2018 Please update and remove. Experian and XXXX have fraudulent inquiries that were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX ( XXXX, alabama ) XXXX XXXX XXXX XXXX XXXX XXXX ( alabama ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-10
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. (NV)

About 2 years ago someone compromise my ss # and did a lot of fraudulent activities in my name. I filed a police report and submitted to all 3 credit bureaus. Well it had happened again. I have 3 medical report a on my credit report all 3. I did my investigation and all 3 accounts were opened up in XXXX. I have lived in XXXX XXXX XXXX  since 2012. These are not my accounts. I have submitted my I.D.and ss # card to all 3 bureaus. There are credit inquiries that I have researched as well. These business are in different states car dealerships in XXXX XXXX. I live in XXXX. I am asking removal of all 3 debts and inquiries.
Consumer complaint received 2017-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
Consumer complaint received 2021-02-09
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. (CA)

On XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter on denial of Payment Extension on my Auto Loan. 
I didn't authorize or Consent Financial Institution to pull my credit without my consent for a Payment Extensions. 

Why did XXXX XXXX pulled my XXXX, XXXX  and Equifax credit reports for a Monthly Payments Extensions? 
XXXX XXXX doesn't have the right to pull my credit for monthly payments Extension. 
Why did XXXX, XXXX  and Equifax allowed this Federal Violations.? 

This is a Discrimination and Retaliation against me as a XXXX XXXX  American and my XXXX status I am XXXX Lifetime and a XXXX XXXX XXXX XXXX XXXX. 

My XXXX XXXX XXXX XXXX XXXX Department of Justice has been violated by XXXX, XXXX  and Equifax. 

Covid19 Pandemic is affecting many Military Veterans and all Citizens in the Community in California and America and around the World. 
With Honor and Respect Always. 
This is a Urgent Matters!
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter on denial of Payment Extension on my Auto Loan. 
I didn't authorize or Consent Financial Institution to pull my credit without my consent for a Payment Extensions. 

Why did XXXX XXXX pulled my XXXX, Transunion and XXXX credit reports for a Monthly Payments Extensions? 
XXXX XXXX doesn't have the right to pull my credit for monthly payments Extension. 
Why did XXXX, Transunion and XXXX  allowed this Federal Violations.? 

This is a Discrimination and Retaliation against me as a XXXX XXXX  American and my XXXX status I am XXXX Lifetime and a XXXX XXXX XXXX XXXX XXXX. 

My XXXX XXXX XXXX XXXX XXXX Department of Justice has been violated by XXXX, Transunion and XXXX. 

Covid19 Pandemic is affecting many Military Veterans and all Citizens in the Community in California and America and around the World. 
With Honor and Respect Always. 
This is a Urgent Matters!
Consumer complaint received 2017-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

I had an account with CoinBase for about 1 month. Where I brought about XXXX dollars with of Bitcoin and LiteCoin from CoinBase. When I was exploring the app, last week, I came across a feature that said verify identity, when I clicked on it and tested it, I got locked out of the account and my account was closed. 

They soon sent me an email saying my account was closed and that I had to move my founds off CoinBase, I was able to talk to a friend and move my money out. 

I have since missed several opportunities to buy more bitcoin and litecoin and this has caused me much stress. 

I have attempted to call their phone number several times to no avail. 
I have written to them on XXXX, XXXX and on their support website to no avail, not even someone letting me know that they are fixing the issue. 

This is not acceptable, especially from a financial institution where people are dealing with money and in this case large amounts of money.
Consumer complaint received 2017-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

My account has been locked for at least 1.5 weeks but probably longer. I started receiving login errors on XXXX XXXX, XXXX. The last time I accessed the account was on XXXX XXXX, XXXX. After numerous emails and an 38 minute phone call, Coinbase wo n't unlock it. They wont say when it was locked, why it was locked and when it could be unlocked. I just want access to my account ; to verify that my virtual currency is still in the account ( as I 've heard of numerous hacking attacks ) and to cash out some of it now. Below is some correspondence between myself and Coinbase. 

XXXX/XXXX/XXXX 1st email to support - I suspect a bot responded with a generic will look into it email. 
XXXX or XXXX 2nd email to support - No response XXXX/XXXX/XXXX - Found out they started offering phone support and called it. Consisted of 30 minutes of hold time and 8 minutes of no help by the support specialist. Support did n't know why the account was locked or when it would be unlocked. 
XXXX/XXXX/XXXX - Automated email received from Coinbase regarding some tips which does n't help my locked out problem. 
XXXX/XXXX/XXXX - problem persists with no resolution on site. 

I have exhausted all options and I 've read that this federal agency can force them to comply. I really appreciate all your help.
Consumer complaint received 2015-04-09
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A. (NJ)

PNC bank had issued me a credit card, I had this credit card for past 5 years, but I just learned that they have been taken away my rewards earned because they implemented a new procedure that I was not aware about and have been taken away my rewards. I contacted them they have not explanation for it. I came across the issue when I saw on my statement that previous rewards balance plus earned was less than previous.
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have not received a response to my qualified written request to Bank of America, sent by certified mail on XXXX XXXX, 2015, and delivered XXXX XXXX, 2015. Under Section 6 of RESPA, Bank of America had 20 business days to respond to my complaint, and 60 days to resolve the issue. Please see attached letter to Bank of America and return receipt for certified mail delivery.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I recently asked credit bureau for investigation credit file and they claim it wasn't ever filed I have proof that I submitted certified mail I also got proof I sent numerous disputes for 2 month straight. I consulted a lawyer and this is my final step before i file a lawsuit.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MO)

I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX I presumed that no proof, nor therefore any such debt, in fact exist with account CREDENCE RESOURCE MANA, XXXX XXXX  for {$1400.00}, Account # XXXX. Under the FCRA, unverifiable account must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed. XXXX has removed account on XX/XX/2021 from my credit report.
Consumer complaint received 2018-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TN)

I was issued a settlement checK by XXXX XXXX which was drafted Off a Wells Fargo account on and attempted to cash this check The teller told me that they can not cash the check I would have to open the account account after I open the account up a Bank Teller took the check to XXXX XXXX about approximately an hour went by they had come back out in the main lobby full of people and accuse me of trying to pass a fraudulent check XXXX took the check refused to give me any documentation on this check or what she was doing and accusing me up I had called my attorney XXXX XXXX While still in the main lobby of the bank and he got on the phone and he spoke to XXXX she refused to release the check R give any documentation do you to XXXX XXXX   Claiming the check was a fraudulent check XXXX  had said she told me to leave the bank or she would call the police and charges were pressed against me the check has come back that is not a bad check and the check shouldve been honored I feel that The bank employee XXXX  violated my rights by releasing falsified information to the public which was done in the main lobby of the bank as you accused me of passing a fraudulent check which would also be defamation of character and slander also I believe she took the check unlawfully which caused me financial problems as well as stress the check was re-issued a month and a half later Enclosed I have submitted evidence backing my statement and Claims of what happened
Consumer complaint received 2017-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (MI)

I received a letter for debt collection from XXXX XXXX XXXX XXXX in XX/XX/XXXX for a parking ticket on a car that I do not own and a ticket that is not mine. In the letter they threatened to boot/tow my car if I do not pay them. I sent a letter to XXXX XXXX XXXX via certified mail on XX/XX/XXXX and was verified they received on XX/XX/XXXX, requesting for VALIDATION of debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I also asked for the name and address for the bonding agent of XXXX XXXX XXXX XXXX. My request was ignored and XXXX XXXX XXXX  XXXX continued their collection activity, sending me another letter, dated XX/XX/XXXX. Again requesting payment of ( unvalidated ) debt, threatening of action against my driver 's  license, and booting/towing of my vehicle.
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (VA)

I have been trying to dispute negative and inaccurate items on my credit report with all 3 bureaus for over 50 days now. I have not gotten a response from any of the three. I have sent multiple letters off to each of them. Even providing facts and quoting laws and codes from the FDCPA. It has been 59 days now and I have not heard anything from these bureaus or seen any changes to my credit report. This is wrong and unlawful. I am demanding the negative accounts and information be deleted from my credit report. You will see all of the inaccurate accounts in the letters I have attached. The bureaus are violating FDCPA section 807. They have also failed to respond or investigate my disputes within a timely manner. This behavior is completely unacceptable. It is restricting my family and I from living our life comfortably.
Consumer complaint received 2018-06-10
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (VA)

Sallie Mae is currently reporting a studentloan that was fraudulently obtained with my information by my ex husband. The loan was opened in XXXX and it was brought to my attention in XXXX after The loan was defaulted upon by my ex. I then informed Sallie Mae that the issue is an identity theft. And they sent me some paperwork to filled out ( whicj they claimed was never received ). The last communication was in XXXX and I was informed XXXX  that they never received my mail and the loan is no longer being serviced by Sallie Mae. I should instead contact Navient, who is now the new servicer of the loan. Every time I called I can not get a straight answer as no one seem to know what's going on with the loan instead I get a monthly reporting on my credit report about delinquency
Consumer complaint received 2021-02-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My Husband and I have been receiving separate Bank Statements to our home from Bank of America, The account is a Adv SafeBalance Banking Account. I don't know if this is a checking or saving account, but neither of us opened any account with BOA, nor do we have any other account with BOA. We did not authorize these Bank accounts and want to know how they got opened. My Husband had to go through three avenues to resolve and rid his account providing personal information to BOA personnel 3 times to finally get his account closed. I just received my 3rd statement and it has service fees. I want this account closed, deleted, removed and my name taken off any list with BOA. There is XXXX balance other than 2 service fees of {$4.00} each month. 
I don't want to go through a fraud report with BOA which my husband was sent to fill out. I don't want to call and be asked a PIN number so BOA can access my account on the phone. " An account I didn't open, so how can I have a PIN number ''? HELP!