davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I submitted a bank wire executed by XXXX XXXX XXXX XXXX. The Beneficiary Bank  is the XXXX XXXX XXXX. The beneficiary is Coinbase , Inc . The amount of the wire is XXXX dollars. On XX/XX/XXXX I received an email from Coinbase that my bank wire to Coinbase was rejected due to a mismatch in names. The email also specified that I was to receive a reverse bank wire within 7 business days, yet I have n't received the wire back to my account and it has been over a month now. It 's very disappointing that XX/XX/XXXX /Coinbase would take such a long time processing the reverse bank wire especially when the money is tide up and unable to be utilize. My Coinbase/XX/XX/XXXX account is XXXX. The case number is XXXX.
Consumer complaint received 2022-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I contacted a lady name XXXX XXXX about an XXXX she had for sale for {$300.00}. I sent her {$150.00} because she agreed to allow me to send that amount first, then when i get the phone, send her the remaing {$150.00}. This was all through XXXX XXXX on XXXX XXXX at XXXX XXXX. Her email account for zelle is XXXX, mines are XXXX. I just found out that recently my bank first convenience stopped using zelle after thier app update which is where the money was sent from. I am asking for a refund and to either arrest her or make sure she's not allowed some kind of way to create an account anymore.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

I did an online purchase at XXXX XXXX XXXX for a sofa. Their website stated that they would charge a 50 % deposit once the order was confirmed by the local store and a swatch of the material was delivered. Instead they posted a pending charge for the full amount. I asked the eCommerce site to delete the hold and they did not. I asked Citibank to delete the hold and they stated that they could not do so, I can not do so, only XXXX XXXX XXXX can do. However I can not get anyone in XXXX XXXX XXXX to make the call to Citibank. In the meantime they placed an additional pending hold again for the full amount so now my credit line is reduced by XXXX. I cancelled the order and XXXX XXXX XXXX says the pending holds should drop off in a few days. They refused to make a call to Citibank. This is not acceptable. Credit card customers should be able to instruct the card company to delete pending holds. It is outrageous that we do not have control over that function. I need to buy new XXXX XXXX and the reduced credit line is preventing me from doing so. I need this fixed now.
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CT)

For some reason, every time I request my FREE annual credit report from EQUIFAX , i ca n't get it [ they always claim that they ca n't verify my identity ]. But I CAN always get it from XXXX, and XXXX without any problem. 
The funny thing though is that if I go directly to the Equifax website, and buy it directly from them, then 'there ' they do verify my identity and give it ( sell it ) to me without any problem. 
I have even logged-in to their website, sign in with my credentials ( to make sure I am clear in their system ). Then I go to the FREE annual credit report site, request my report from them ( equifax ), and still they wo n't give it to me. It happen every year with them. - I CA N'T get it FREE. But if I pay them, I CAN NOT. Please help. Please help.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

Good Afternoon, I am reaching out to the CFPB due to not being able to get inaccurate information off my credit reports. I have reached out to 2 of the 3 Credit bureaus Equifax and XXXX to resolve this matter. Not only is this information incorrect on my reports but it is causing me a hard time trying to obtain credit. I am in the process of becoming a Homeowner in XX/XX/XXXX and this negative impact is causing delays. I understand that the credit bureaus may be busy during the XXXX, but as a consumer under law they must report correct accurate information. Listed below are the credit inquires from both credit bureaus Equifax and XXXX that I did not authorize. 

This is my second request in regards to this unauthorized inquiry from your company that had been placed on my credit report without my permission As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRA 's maintain that if the inquiry is on file then the company listed did in fact view the consumer 's record. 
I am writing this letter since the Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ). 
I don't recall applying for credit with you. 
Please explain in detail your purported permissible purpose giving you access to my credit file. In the event no such permissible purpose exists, please arrange for payment of no less than {$1000.00} ( XXXX XXXX DOLLARS ), payable to the name listed above. 
Also be apprised that, in the event you fail to promptly and fairly address this serious matter, I will pursue my legal remedies as provided for under the FRCA. Specifically, Title 15 U.S.C. 1681n & 1681o which provide harsh penalties, including statutory and punitive damages, costs and attorney 's fees in appropriate cases, for non-compliance with the FCRA . 
Your timing is crucial so I would greatly appreciate a response from you within thirty ( 30 ) days for the presence of this inquiry is doing serious damage to my credit report and is inhibiting my ability to obtain necessary credit. 

Please immediately forward a letter indicating your intention to delete the inquiry or a copy of the original signed application. 


Equifax XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2017-12-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ZARVAD III S.A. (OH)

I entered into a loan for {$600.00} on X/X/2017. When I went to the website to submit my payment there is a minimum payment due of {$180.00}. I 've made {$180.00} payment every two weeks since XX/XX/XXXX through XX/XX/XXXX for a total of {$2100.00} debited from my bank account. I have bank records showing each debit as well as the initial loan deposit. They are still asking for the full balance of the loan plus interest.
Consumer complaint received 2020-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: MARINER FINANCE, LLC (NY)

I took out a loan for a used vehicle from Mariner Finance. The company worked with me until the vehicle got to a point that it always had something wrong with it. At that time ( about XX/XX/2017 ) I told the company I was going to have to buy another vehicle and I would not be able to pay a big payment or be able to fix the vehicle. They would'nt lower the payment enough for me to afford. I then told them that I can't pay. They then started calling and calling, I told them the same thing over and over again. They finally stopped calling. While checking my credit report, I noticed they had sold the loan to another lender. I never got any notification of that. I called Mariner finance and they told me who they sold it to ( I don't remember the name of the company ) but I called that company and they told me they had sold the loan to another company, so I called that company and they said they sold the loan as well. I never got notification from anyone, not Mariner Finance, or the other 3 companies who bought the loan. I did get a phone call early last year from someone telling me that I owed them for the vehicle, but I told them not to call me anymore and that I was not paying because they are not holding the lien on the vehicle. Mariner Finance is still holding the lien on the vehicle. I'm not sure who to pay for the remainder of what I owe on the vehicle and I am not sure who should be holding the lien. I am not paying someone and then not getting a lien release from someone else. This is a very confusing situation. I know I have rights and I am sure that someone should have let me know what was going on with the vehicle.
Consumer complaint received 2017-11-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (MN)

My payments have been approximately {$89.00} without the slightest wiggle room for any amount added to the balance strictly interest payments only. I have been faithfully paying that amount for 5 years no questions asked and the last four months I hit a terrible financial snag where I havent been able to make payments. 

Without my knowledge my auto pay was canceled, and my ability to make online payments was taken away. I tried to set up an online payment to be withdrawn on XXXX to make my account current by calling a representative from Wells Fargo but to no avail. At this point I feel Wells Fargo is pulling every necessary string to liquidate my account despite my faithfulness of paying every month for several years despite not having XXXX nickel taken off the balance owed.
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has continuously charged me late fees for missed payment days that fall on XXXX. As an observer of the XXXX XXXX, I do not engage in financial transactions on XXXX. Capital One again recently charged me a late fee for missing a payment this past XXXX, XXXX/XXXX/2014. I have called in many times complaining about this problem, and they have done nothing. I believe this practice is XXXX and I should not have to make my payment early because they will not honor my XXXX. In addition, I have requested credit increases multiple times, as my credit limit is only {$300.00}. Capital One has not responded to XXXX of my requests. On the last request made, I was denied because Capital One claims they can not access my credit report because there is a security freeze on it. I contacted XXXX, XXXX XXXX, and XXXX. There is no such freeze on my reports and there has not been since I have been in possession of this credit card.
Consumer complaint received 2017-12-05
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. (FL)

XXXX XXXX Violation of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 XXXX XXXX reported 9 separate accounts with late payments to XXXX, XXXX, and TransUnion. I disputed these accounts with the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX and all disputes came back as 'verified '. I sent a letter to XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX, asking for an investigation of said accounts. By law, they had 30 days to respond to me. To this date, I have received no replies from XXXX XXXX, yet the derogatory accounts are still listed on my reports. 

Please see attached letters that I sent to the credit bureaus and to XXXX XXXX.
Consumer complaint received 2016-10-29
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (NY)

I am a victim of Identity theft. Someone obtained a auto lease from BMW Financial Services under my information. The signature on the contract does not match, my full name was not on the contract, the wrong address was used, the date the account was opened does not match on my credit report, BMW Financial Service sold a car as a new car at a high price when it was clearly a demo car with over XXXX miles on it and the fraudulent account was opened on my birthday and I never ever apply for any type of credit on the birthday .... I faxed, emailed and certified mailed my identity theft affidavit to BMW Financial Services. All I got back with a copy of the contract for a car I did not apply for.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NV)

Back in XX/XX/2018 & XX/XX/2018 I was having financial hardships and unable to pay my bills due to being out of work ; therefore, causing my late payments. The job I was working at the time was seasonal. 

My card was activated in XXXX of 2018, and since that time I have had 28 on-time payments. I've also maintained a more permeant job position.
Consumer complaint received 2017-12-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (PA)

I have a mortgage with M & T Bank. I have gone through bankruptcy and have had a modification. A program I thought was suppose to make home affordable. Instead, my mortgage continues to increase and I am not understanding why that is. I want and need to know if M & T Bank is acting accordingly when it comes to my mortgage.
Consumer complaint received 2017-05-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: SYNCHRONY FINANCIAL (NY)

SYNCB/ XXXX  is reporting a secured loan on my credit report that I did not apply for. I contacted them already and they stated that is account would be removed from my credit report and it has n't. It shows that this account is joint with  XXXX   XXXX  is and I have no idea who this is. I never noticed this account on my credit report before and It is affecting my credit because it shows 90 days late. That is how I knew it was on my credit report because I got notified through my credit monitoring. You can look at the payment history and see I never paid for this account ever. I would also like for you to furnish a document that shows my legal wet signature and video footage of me signing for this loan.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XX/XX/XXXXMade on : XXXX Made with : Transunion Made by : XX/XX/XXXXAcct Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX on : XXXX Made with : Transunion Made by : XXXX XX/XX/XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XX/XX/XXXXMade on : XXXX Made with : Transunion Made by : XX/XX/XXXXXXXX Made on : XXXX Made with : Transunion Made by : XX/XX/XXXXMade on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XX/XX/XXXX Made on : XXXX Made with : Transunion
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NJ)

I opened a credit card with TD bank in XX/XX/XXXX and in XX/XX/XXXX my card was locked so I could not use it. I was on vacation at the time and to say this was inconvenient would be a gross an understatement. I had been using the wrong routing number which resulted in the payments not being received. In XX/XX/XXXX I realized what the problem was ( no thanks to TD customer service ) and paid off the card expecting to be able to use it. My card was however still frozen and was unable to be unlocked for reasons that were unclear to me. TD bank employees ( I called on the phone ) told me I should be able to use it. I visited TD bank and a sales person told me to cancel the card so I could receive a new one. I closed the card over the phone immediately. My ending bill I received documented me as paying off the card and my balance was {$0.00}. After this was paid I closed the account but the next bill I received had a purchase of XXXX, XXXX in total with interest. I did not make a purchase and was never informed as to what this amount was from. The fees have snowballed each month and now total XXXX, all because of a purchase I did not make or authorize. Because i had closed the card I will not be paying any more money for fees or otherwise and I would like everything expunged. I had tried to sort the issue out with TD ( over the phone ) but their customer service is horrendous and literally left me on hold for a total of at least an hour each time.
Consumer complaint received 2017-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

Placed calls to XXXX, XXXX and Equifax in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.
Consumer complaint received 2017-12-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio Recovery Associates, XXXX for amount of {$630.00}. I have sent Portfolio Recovery Associates, XXXX  debt validation in which they did not respond. They also reported this item to my credit reports with XXXX, XXXX and XXXX. The item was removed from my credit reports then placed back on. Portfolio Recovery Associates, XXXX has not complied with my request at all.
Consumer complaint received 2017-01-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

I received a letter of collection from HRRG XXXX XXXX XXXX XXXX, Florida XXXX stating that a creditor, " XXXX XXXX XXXX reported that I owed monies for XXXX accounts. I checked yesterday with my health care provider billing department if I have an outstanding balance, or anything in collection or even anything owed to a Contracting Service provider and they said I have a {$0.00} ( XXXX ) balance. That I owe nothing. These stated balances are BOGUS and are nothing more than an EXTORTED demand for money that I do NOT owe. Furthermore, I have not been to a doctor for any procedures for quite some time, nothing more than a routine doctors appointment and certainly no " Off Site '' procedures. I have researched this matter on XXXX and there are many other people with the same problem.
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Credit determination — 
Company: BBVA FINANCIAL CORPORATION (TX)

credit limit was lowered from {$4000.00} to {$200.00} without notice and phone call to XXXX XXXX revealed they had done a soft check on my credit and XXXX had reported erroneous negative info, check with XXXX and credit is is good with them so dispute is with XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This letter is a formal complaint that you are reporting failing to comply to 15 USC 1692 ( g ) inaccurate and incomplete credit information.

I disputed these inaccurate items over 30 days ago and your agency failed to notate that it was disputed which makes your agency in violation of 15 USC 1681s-2 ( 3 ) 1.FDCPA Sec 807 Misleading False Reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. FDCPA Sec 807 Misleading False Reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef Account name : XXXX  Account Number : XXXX Please investigate and delete from my credit report. 


XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef Account name XXXX  Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (MI)

I have filed complaints with absolutely no results from any government agency - OMB CONTROL # : XXXX I am owed {$320.00} by PayPal for purchases made on XXXX, transactions that were cancelled because two XXXX vendors did not have the items they took my money for, and PayPal claims the refunds were issued. My bank however has never been able to see even one cent refunded to my account such as PayPal claims. XXXX XXXX XXXX XXXX - routing number XXXX - no refunds as PayPal claims in written receipts. XXXX customer service does nothing - PayPal does nothing - the BBB did nothing - the CFPB has done nothing - The FTC does nothing - so you tell me how am I to get my money back, when nobody ever acts or does anything to get it for me?