davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have applied to an apartment complex recently. I was denied due to not having enough credit on my report. That has to be inaccurate because I have rented two apartments, one of them for over 2 years, and have recently took out two credit cards that I can't pay back  due to being on XXXX XXXX  XXXX and being cut off of funds. Also, because of my XXXX XXXX XXXX insurance not paying me, I ended up evicted as well. I am just a simple person trying to do right. I make one mistake by being kind and capitalism just continue to kick me while I'm down without giving me time to put in effort to get things back on track.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a Visa Credit Card issued by Capital One stating that it came with extended warranty protection as a benefit. 

I had an item break within the extended warranty period. I submitted for claims in timely manner and complied with instructions. 
The warranty is managed by a third party through Visa. 
The company did not respond to emails, a supervisor later told me over phone ( claim # XXXX, talked to XXXX ) that emails are not read, and that therefore information submitted via them does not count as submitted. I read back the auto-reply from emails that clearly states emails are reviewed and will be responded to. Because the submitted information was not read, the claim file was closed as incomplete. I called Capital One, the card issuer, to resolve this issue. After speaking with their contracted company, I was told that despite me having evidence that I responded to all emails in a timely matter, no further review would be made ( this was all with Capital One on the phone ). I was then told that Capital One was 'not responsible ' for the issue as it was an outside party that provided the insurance, despite advertising that the card carries such consumer protections. 

For reference the last employee I spoke to at Capital One was a supervisor named XXXX, employee ID # XXXX.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I attemped to withdrawl {$500.00} with a XXXX XXXX bank card, from a Huntington Bank ATM located at XXXXXXXX XXXX  XXXX XXXX XXXX, Ohio XXXX. The machine made the sound of despensing the cash but when the cash slot opened there was no cash. I thought maybe I hit a " LIMIT '' on the machine or even my account. 
I reinserted the XXXX XXXX bank card and made a second attempt to withdrawl of {$400.00} cash but this time I was successful. 

I thought I had just hit a limit and thought nothing more about this issue. I have accounts at both Huntington Bank and XXXX XXXX XXXX. 

The following day I got a banking summary from XXXX XXXX and to my suprise the was a debit for both {$500.00} and {$400.00} on XX/XX/XXXX I called XXXX XXXX and file a compliant thinging everthing would be corrected. Well 4 months later I am still battling the banking system. 
I have made several trips to Huntington Bank and talk with a XXXX and and XXXX XXXX who wanted to help but nothing was ever resolved. Several calls were made to XXXX XXXX with no results. 

I have even brought in my finacial advisor which is the connection to XXXX XXXX. 
DOCUMENTATION REFERENCE INDEX XXXX ... ..document showing XXXX ATM transaction on XX/XX/XXXX XXXX ... .case no. XXXX XXXX XXXX of above XXXX... ..another contact document XXXX ... ..another attempt to resolve issue-new case no. 
XXXX ... ..provision credit XXXX ... ..reversal of credit
Consumer complaint received 2022-05-02
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: Consumer Portfolio Services, Inc. (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2022-05-02
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. (FL)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX  # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S C 1681 Section 604 A # 2 states a consumer reporting agency can not furnish my account information without my written consent.

the first name of the debtor on this account is not even mine the amount owed on this account is not accurate with other credit bureaus every detail about this account is either false inaccurate or both.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

My direct deposit from social security was going into a savings account and not a checking account and Wells Fargo bank fails to acknowledge that my direct deposit was going into a savings account and I was told by Wells Fargo bank that my direct deposit was going into a checking account and which both of my social security benefits was going into a savings account and Wells Fargo bank knows this. I would also like to say that I am a XXXX untied states citizen and I have been taken advantage of as well as the other consumers that has trusted Wells Fargo bank to help us to become financially stable in which Wells Fargo bank has lost trust with the consumers and customers that has trusted Wells Fargo bank to help us to become financially stable. And Wells Fargo bank has forced the past employees to open up fake accounts with out the consumers and customers authorization and permission and consent. And everyone should have a right to financial privacy in which at this point we don't have financial privacy and I would like to say that if customers and consumers had a right to financial privacy I strongly believe that all of these privacy laws should be enforced in which these laws are not being enforced. And everyone information is being sold and shared with other institutions with out the consumers and customers with out the authorization. And I believe that XXXX XXXX accounts was opened up with out the consumers and customers permission. And Wells Fargo bank has fired the past employees of Wells Fargo bank wanted those bankers of Wells Fargo bank to participate in all of these illegal activities in which those bankers told the truth about what is going on with with Wells Fargo bank and all of the illegal activities that Wells Fargo bank wanted those past employees of Wells Fargo bank to participate in all of these illegal activities by forging the consumers and customers name on these documents and closing accounts that should have not been closed. And I strongly believe that Wells Fargo bank should be responsible for taken advantage of those consumers and customers that trusted Wells Fargo bank to help us become financially stable. And I feel that if Wells Fargo is a professional institution all of these illegal activities that are going on these financial institution and taking advantage of those XXXX and XXXX  communities and people of XXXX as a whole I strongly believe that Wells Fargo bank should be held accountable for all of these illegal activities that are going on with Wells Fargo bank.and all of these laws suits that has been filed and against Wells Fargo bank needs to be investigated as to the when what and why is this illegal activities that Wells Fargo bank has done to all of us that trusted Wells Fargo bank to help us become financially stable.
Consumer complaint received 2022-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XX/XX/2019 My loan transferred from XXXX to NewRez then later to Shellpoint. XXXX reported negative escrow and NewRez/Shellpoint continues to take fees that are undisclosed named OTHER out of my escrow and I pay my payments well over the taxes that are to be paid from my escrow yet there is never ever enough money to cover my XXXX annual taxes. I call repeatedly and rarely get a response, each rep has a different name for the ( other fees ). I have written notifications and rarely get a response. I have even asked for my escrow account to be removed since I have well over 20 % equity and always paid my taxes until XXXX changed it. However I am told I can not remove escrow. Calculations never match mathematically. EVERY SINGLE YEAR. The math does not add up. They do nothing to fix it. Always say I am short in escrow. ROBBERY ALSO always ask for condo insurance over and over and I provide it over and over and over and they still take money from escrow. Once they credit money back it is never the amount to bring escrow to the balance needed for my little {$450.00} property tax payment. I pay XXXX to escrow times 12 months is more than enough for my property tax. YET it is always short every single year by hundreds of dollars.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (MI)

Credence resource management has listed a debt on my credit reports that I do not recognize. I do not recall receiving validation of this debt nor any information regarding to this debt. There is no account number listed on my report either to verify. The amount of debt is {$620.00} and was deleted XX/XX/2022. I would like this account removed as it is damaging my credit.
Consumer complaint received 2022-01-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (FL)

The bank Santander Consumer USA, I am waiting for the payment of my refund by Gap Insurance since last year, but the bank does not want to refund the money even though XXXX resided the car and that money was paid to the bank.The bank agrees to have received the check in XX/XX/2021, but has not sent the money to my house due to an error on their part. They ask me to call week after week and they never give me an answer when they will send me my money for a value of {$710.00} that they have in their possession and they don't want to send me.
Consumer complaint received 2020-01-27
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. (CA)

I have files numerous disputes and disputes by mail and online disputes about an account by the name of XXXX XXXX XXXX. This account is being reported on two of  my credit bureau reports equifax and XXXX. This account must be deleted as this does not belong to me and they have failed to investigate properly and have not followed protocol. I have also asked them multiple times to investigate and this account always comes back as verified with no information as to how they verified.
Consumer complaint received 2018-02-18
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. (GA)

I have a closed auto loan account with XXXX XXXX that I paid off in XX/XX/XXXX. It was reporting to Transunion, XXXX, and XXXX  for its entire tenure. For some unknown reason, it stopped reporting on my Transunion report. I contacted Transunion for them to put it back on my report. I've sent in documents from XXXX XXXX numerous times to Transunion and had XXXX XXXX to verify to me that they had been reporting the account as an auto loan to all 3 major bureaus the entire tenure of the loan. They have also sent paperwork to Transunion documenting the account.The loan still shows on XXXX and XXXX, but not Transunion. Myself, along with XXXX XXXX, have been asking Transunion to update my credit file with my XXXX XXXX account. But they have refused to do it. I need this account to reflect on my credit report to prove to banks that I have made a major purchase before and increase my buying power. Please assist me in getting my information updated with Transunion because my efforts are not considered. The account number is XXXX. The car was a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MS .
Consumer complaint received 2021-09-08
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. (TX)

XXXX Card Dpt EdXXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2020-01-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

Took out a loan with cashnetusa.come after making 2 payment over a 2 payment periods which is every took weeks I notice that my loan payment barely dropped. I contacted the company and they told me it a crewed interested everyday. So a loan if XXXX making them payment would take over a year to pay off making payment of XXXX every two weeks.
Consumer complaint received 2022-05-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Direct Portfolio Management, LLC (ND)

I originally called the number XXXX - Acct # XXXX, spoke to an inidividual briefly and then was placed on hold for the next XXXX minutes in which I hung up. I called back, XXXX said it was a chain of which I needed to go through, I did swear, but after XXXX minutes holding and wanting answers, I was supposed to hold again. I have not heard from these people other than this phone call and message left, there has been no written correspondence, only that they were serving me at my work or home tomorrow for a judgement. First notificatoin.
Consumer complaint received 2018-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Case # XXXX. On XX/XX/2017 I sent XXXX of a bitcoin from my mobile wallet to Coinbase. Funds never appeared in my account. Coinbase customer support haven't responded to any of my emails and no funds in my account to this day.
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. 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 and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly. Otherwise, remove it from my personal credit file. Thank you.
Consumer complaint received 2020-12-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I notice according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.
Consumer complaint received 2018-02-18
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: Experian Information Solutions Inc. (CA)

Frauding scams frauding my XXXX and XXXX and XXXX documents in XXXX PA shown fraud scams in XX/XX/XXXXtime frame using XXXX XXXX XXXX worker Then others frauded my XXXX familys documents with XXXX XXXX None of those documents are from Pennsylvania state None live in Pennsylvania. State of any of these years Last time I was in Pennsylvania state was XX/XX/XXXX time frame But I went to XXXX XXXX XXXX in XX/XX/XXXXfor 9 months before moving back to XXXX Indiana Indiana Others put in XXXX Pennsylvania frauding my XXXX Indiana high documents Federal not interested in Pennsylvania state and federal refuse any date offers from Pennsylvania state and won't marry into the state.. 
Pennsylvania state didn't own new York state one health department of XXXX XXXX XXXX from new York state of my birth father, Pennsylvania state doesn't own my XXXX   county Indiana birth certificate attached to XXXX Indiana Indiana serial numbered documents of superior court of XXXX county Indiana, Pennsylvania state don't own my family 's XXXX serial numbered documents of XXXX Indiana attached to my grandma documents of prior home deed and marriage and divorce serial documents Frauding scams frauding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania state is not the owner of my grandma grandma or mom 's documents of XXXX death record and my great great grandparents have never lived in Pennsylvania state. 

Frauding scams using death record of XXXX XXXX married to XXXX XXXX sir name of XXXX a XXXX Indiana corners record and there last home which they owned was in XXXX AZ, but both barried in XXXX Indiana serial numbered grave and as serial numbered corners records.. private furnal..
Consumer complaint received 2018-02-18
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. (GA)

XXXX is not reporting an any of my trade lines and on my XXXX and XXXX it is reflecting that I was late and I was never late in XX/XX/2017. In addition they have negative trade lines that are over seven years that about 12 years and should be dropped or taken off. Which are California XXXX XXXX XXXX and XXXX.
Consumer complaint received 2018-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

ERC ( Enhanced Recovery Company ) XX/XX/2016 - I called them about 8 months ago as soon as I saw this on my credit report, ( I didn't even know about it ) paid off this debt in full and the collection is still showing on my credit report.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (VA)

I've been a member of Navy Federal since XXXX. I've worked with them during difficult times over the years. I've had a car loan and multiple credit cards. I fell on hard times and was educated on the SCRA program specifically the Ohio revised code. Back in XXXX I requested it and was told by the clerk in the XXXX office that I was not eligible. When I found out that I actually was and the information given to me was incorrect I was already XXXX. I requested it in the summer of XXXX and received no reply. I followed up on the request and was told I was ineligible because I was XXXX. They stated that they reviewed the archives from XXXX and couldn't find the request but this was because I requested it inside the branch on base in XXXX. They can see when I opened the account for my daughter but not the SCRA request. I served 20  years of faithful service to the US Navy and Navy Federal Credit union on to feel as though none of it mattered and I was just a cash cow who had military deposits sent to Navy Federal via DFAS for 20 years but I am not eligible for SCRA benefits? I am a 100 persent total and permanently XXXX veteran and time are hard. It is extremely disheartening to feel as though this company cares nothing about the people who help keep their doors open.