davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and discarded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-01
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. (NY)

As a federal protected consumer I know you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish and at least 1 % of the company pursuant to TILA 1640 or any other amount of damages pursuant to 1692K.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC. (FL)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SD)

I am opted in to the overdraft services program at my bank, Wells Fargo. I made two transactions beyond my balance that I expected a fee from. I was charged 5 overdraft fees. 3 of those transactions I had the funds for and the bank acknowledges this when I called for help. They stated that because my pending balance was negative when those three transactions posted that they had the right to collect fees for those as well regardless of my having funds to cover them. They state that because I opted into overdraft services that they have the right to charge fees at their discretion even when I have funds. I have scoured all of the terms and conditions for the overdraft services program to see if this is a term that I agreed to when opting in. Nowhere am I able to find this situation in the terms and program details. The only time the terms state a fee would be applied is for the transactions made beyond my balance. This is extremely unethical and possibly illegal, as far as my research shows. They are unwilling to help resolve the issue and were rude and pushy when asked for help.
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RoundPoint Mortgage Servicing LLC (KY)

XXXX, from roundpoint mortgage, left a message using my and my wife 's name on a number covered by the Do Not Call List. I called the call back number on the recording and the ( actually really nice ) lady kept referencing a file but kept saying she could not tell why XXXX had called us on our home phone. I could see it maybe being a wrongly dialed number but he stated me and my wife by first and last name.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

Dear Agency On XX/XX/2021, I contracted Coinbase in regards to someone hacking my account. There was a breach with all the emails at XXXX. Coinbase responded in a timely fashion about 24 hours later. The XXXX was a XXXX  but XXXX the XXXX, I received an email starting the recovery process for my account. It's been three days and today is the XXXX of XXXX and I have not received any word from Coinbase. I sent them a DM on XXXX, I also sent them another email asking them to unlock my account. 


The reason for this complaint is if this were to happen in a regular brick and mortar banking institute, I would have gotten immediate attention to this fraudulent activity that is happening to my account. As of right now, I don't know anything. I haven't been able to see my account or talk to anyone since XX/XX/XXXX. 

A. I can't call anyone either. 
B. They don't have a fraudulent department that looks into things right away. 
C. I have a large amount of money in my account. 


Not being able to contact anyone is not acceptable and they not have a more sufficient and effective way to deal with fraud must be revisited and improved because I am sure if this happened to me this is happening to other consumers. 
I am the victim here and right now I feel Coinbase is treating me like the perpetrator. 
At the same time, I am losing so much money because I am not able to trade using my account.
Consumer complaint received 2021-02-10
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. (PA)

Collection Agency XXXX XXXX XXXX Original Creditor Name GA XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$770.00} Amount {$770.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE I SENT SEVERAL LETTERS TO EACH COMPANY CONTACTED OVER 35 times by phone nothing has changed
Consumer complaint received 2019-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (NV)

Kia Motors Finance says that I owe them a debt, but I also have a letter from KMF stating that the debt has been paid in full. Now, because I won't pay the alleged debt, am making KMF honor the document, have exercised my consumer rights, and am in the process of initiating a civil lawsuit, KMF has retaliated by threatening to merge my current new car retail lease with the totaled vehicle retail lease that they allege a debt is owed. KMF has threatened to unlawfully accelerate my car payments and illegally repossess my car if I do not pay a debt they said was paid in full. This proves KMF is intentionally violating my consumer rights and is using deceptive business practices.
Consumer complaint received 2020-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Stilt Inc (GA)

As per advise from the lender more tan 50 % loan repaied. 
Requested the Lender in question to remove deliquent notice and allow partial payment as I do not have any income since XX/XX/2020 as I have been furloughed and I am at my wits end. Still then I managed some payment till XX/XX/2020. 
The lender STILT is sending threatening notice. 
They are threatening with legal action.
Consumer complaint received 2016-12-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Monterey Financial Services LLC (NC)

I changed banks and forgot to set up an automatic payment out of the new bank. I paid my payment when I realized the error, but the institution charged me a late fee. 
The next month I sent XXXX payments to make sure I was current but they started calling about the {$20.00} late fee obsessively. 
I paid the late fee and gave them a confirmation number and a date they will be getting the payment. The calls will not cease. 
They have been calling 3 times a day, 3 to 4 days a week since XX/XX/2016. I have called them 4 times and each time they assure me I am off of the call list. I also get massive text messages and e-mails.
Consumer complaint received 2021-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/2021 I received an email and a bill stating I had ordered an XXXX XXXX XXXX and it was being shipped to Florida. I live in CT. I called the phone number on what appeared to be XXXX XXXX, on the statement and was connected to Mr. XXXX XXXX stating my account had been hacked. There were several issues : 1 ) the IP address hacked & now toxic 2 ) email compromised 3 ) tiny banker and spyeye malware noted 4 ) security level only 7 % ; if had fallen to 5 % or lower they could not help. I granted remote access to view what seemed like a legit employee ID. Also, they had me check my accounts to see if the bank had issued a fraud charge, so they had access to my personal banking information. 
I was directed to purchase two ( 2 ) XXXX gift cards, each for {$500.00} from XXXX and two ( 2 ) different XXXX XXXX XXXX stores. This was for a total of {$3000.00}. Then I was told to read the numbers and access codes so that could 'update the security ' on my account. I was sent what appeared to be legit 'refund ' to each of my checking accounts from XXXX for each {$1000.00} card purchase. This took place over a 2-1/2 hour time period. At times there were conversations with the 'floor manager ', Mr.XXXX  XXXX as well. Finally about XXXX XXXX, the manager said the security was @ 95 % and XXXX would take care of the rest from there and I was not to worry. They would call me in the morning to finalize and update the security level. I have had multiple phone calls from them today ; same number I called yesterday to cancel the original order. That # is : XXXX XXXX XXXX XXXX. I have not answered any of these calls. 
When I went to check for those texts this morning ( XX/XX/2021 ) they were not to be found. Also, checking my accounts there was no deposits to either one, just the debits made to purchase the gift cared. 
This obviously an on line SCAM.
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (PA)

Amount : {$14000.00} XX/XX/2015 The signature was obtained by false pretences with the intent to cheat and defraud. 
I was lead to believe that I was just a reference to help the primary buyer. 

The dealership conducted the transaction in a manner that created a likelihood of confusion and misunderstanding. The contracts were signed separately. 
The primary buyer drove to my house to obtain my signature. I didn't have any form of communication with a representative from the dealership. I was never physically present at the dealership. The dealership and I never correspond nor did we communicate via phone or any other type of digital/non-digital form of communication. This process was initiated and finalized without my involvement. by the dealership, Ally Financial, and primary buyer. 

The legitimacy of the loan documents can not be validated by any witness. most importantly, it is impossible for any of the parties involved to produce said document with a notary seal and signature. 

The dealership fostered an intense sense of urgency ; significant enough to motivate the primary buyer to produce a cosigner. They had a reckless disregard for the truth. The result was intentional misrepresentations and Fraud. In addition, the lender, ( Ally financial ) did not perform their due diligence and enable the dealership to comfortably engage in fraudulent business practices.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

As THE ORIGINAL CREDITOR and XXXX XXXX XXXX I reviewed my credit file aand there a four inaccurate and unverfied accounts being reported to my account negatively by the credit bureau XXXX. 

This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. 
LVNV, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX are all third-party debt collectors whom 15 usc 1692f ( 1 ) have no right to collect nor furnish my federally protected consumer information.
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

I received an alert that a new collection account report to my credit report. After receiving the alert I discovered that LVNV Funding reported an account to my credit file. I never received any mail or information from this company and they have validated the Fair Credit Reporting Act. LVNV Funding Llc has reported I open an account with them on XX/XX/2015 and I did not. I would like for LVNV Funding Llc to validate this debt, provide documentation showing signature, application, receipt for each transaction. Since LVNV Funding Llc is stating I owe this provide everything detail by detail and let me know how I owe {$610.00}.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I have never filed for any type of Bankruptcy.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I have been in contact with all three major credit bureaus to request " CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request " REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX XXXX '' and " RE-INSERT OF XXXX XXXX XXXX ''. Supporting documentation is attached.
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (TX)

I was shocked when I reviewed my credit report and found that my old Wellsfargo Bank 's balance on a account I thought we resolved. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. And I found multiple inaccuracies with the way this account is reporting and would like it completely removed from my credit report.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent 2 letters to TransUnion & XXXX  asking for proof of debt from XXXX XXXX XXXX XXXX. I keep getting the same candid response that the debt was placed following FCRA guides. I requested the original documents to verify that this is my debt. Also, the 45 days that the credit bureau had to respond exceeded the time.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I have never filed for any type of Bankruptcy.
Consumer complaint received 2019-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK (NJ)

In XX/XX/XXXX, I spoke with Discover Student Loans regarding changing my due date to the XXXX of each month. Discover agreed to change the due starting XX/XX/XXXX as stated on the document. The loan was set up on the automatic debit. Loan payments were being debited on the XXXX of each month. I again spoke with Discover Student Loan customer service to request the due date change to the XXXX of the month. Discover stated starting XX/XX/XXXX, the due date would be changed. On XX/XX/XXXX and XX/XX/XXXX, Discover processed an automatic debit for loan repayment from my checking account. These payments were returned unpaid and my Bank assessed me a {$30.00} charge each time. Discover has committed a violation of Regulation AA. Discover mislead me in their communication that the due date would be changed to XXXX of each month. 

On XX/XX/XXXX, Discover informed me that my automatic payments would be stopped and I would lose the discount associated with automatic payments.
Consumer complaint received 2020-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

Hello I did a report on identity theft. Gov was hey told me thats not good enough I did a police report they told me they need a lease from where I was living at the time of incident but however I was living with someone did not have a lease
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/17 balance {$310.00}. XXXXXXXX XXXX This was an XXXX credit card. I never had the card physical card. There was a charge or {$30.00} some dollars on it that I did not purchase. Then the late fees started to add up and now its {$310.00} for which I did not use. I refuse to pay for something I didnot purchase. And when I spoke to XXXX they said they closed the account and all the charges were resolved but then a few months later I get this letter that it went into. collections.
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

In XXXX 2015, the XXXX & their associates @ XXXX in XXXX, MO, failed to follow their protocol for obtaining pre-authorization ( s ) for my XXXX. 
They were notified by my Insurer, prior to my XXXX, that their requested pre-approval was DENIED, but they told me they had obtained the required approval ( s ) and they proceeded with my XXXX without notifying me of the DENIAL. 
They have since persisted in billing me for the XXXX, but have declined to persue their claim in court. Instead, they are attempting to extort me into paying money I do not owe - for their mistakes - by damaging my credit rating by filing Negative Reports with the credit bureaus thru XXXX!
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

Opened checking and savings account with Citibank to receive their {$400.00} or {$500.00} Checking Offer ( " Checking Offer '' ). Requirements were to open joint checking/savings with a deposit of at least XXXX, keep this balance for at least 60 days, have a qualified direct deposit made for two consecutive months. 

Initial deposit was made through a wire on XX/XX/19 for XXXX into the checking account. Then moved XXXX to savings for a combined deposited amount of XXXX, also on XX/XX/19. The balance has been at XXXX since initial deposit with additional deposits each month. They did charge a fee by mistake on XX/XX/19 but refunded it on XX/XX/19 and stated this would not affect the promo, # XXXX. My biweekly ach paycheck was added on XX/XX/19 and has been deposited ever since. 

On XX/XX/2019 I received an email I was ineligible, stating The required deposit balances were not maintained during the offer period. I called Citi Bank the following day was said a case would have to be opened, I have not heard anything since.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Hello, I purchased 2 XXXX train tickets with my Chase Sapphire Reserve card to visit XXXX with my family in XX/XX/2021. However, the city of XXXX went into lockdown due to COVID when I was suppose to visit so I could not get on the train. The charges were {$32.00} and {$100.00}. I purchased insurance for these tickets. Since the city of XXXX was in lockdown when I was supposed to go, I could not legally get on the trains. I need a refund based on the insurance policies I purchased. 

I tried disputing the charge with the merchant but never heard back. I also tried disputing the charges with Chase which they originally accepted and issued a credit. Then they claimed they gave me an online message on XX/XX/XXXX saying the credits were reversed. I never received this online message ( I checked multiple times ), but I did receive physical letters saying the charges were added back. I called Chase immediately on XX/XX/XXXX but they said I only had until XX/XX/XXXX to dispute the reversal of the credit. This means I had 1-2 business days to continue the dispute instead of the 60 days according to the Fair Credit Billing Act. I believe Chase is acting illegally and not abiding by US consumer law. 

I would like a full refund because I purchased insurance for these tickets and I also am entitled to protections as an American credit card owner. 

Thank you. 

XXXX