davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I 've recently updated my mailing and email addresses with the credit card company online. This raised an identity/security alert on their system. In the past when I have taken such action, I 've gotten a phone call or something in the mail confirming that. However, this time around the company wanted me to email or mail in copies of my documents ( SS card, DL License and utility bill ). I found the request to be a bit unusual and raised security concern on my end. I do not feel comfortable sending such info. to them ; and asked to cash out or credit my earned " cash back/rewards '' balance towards my outstanding balance. They refused to work with me on that stating that the account has pending ID verification concerns. I offered them an option mail the check to the previous ( original ) address or verify the info. over the phone ( unchanged ) to which they refused. I 've made the payment for full outstanding balance on my account and there is no pending balance whatsoever. However, when requested via customer service phone number the credit card company wo n't allow me to close my account. I have no intention of using the card again or do any business with the company and therefore I see no reason to leave the account open which could have negative impact on my credit history/report.
Consumer complaint received 2018-06-09
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)

About 7 or 8 months ago, I placed a temporary freeze on my credit report with Equifax. Three or four months ago, I attempted to have it lifted. They said I needed a10-digit PIN. I have asked repeatedly to have it sent to me, and they have not responded. Two weeks ago, I received a letter from Equifax dated XX/XX/XXXX in which they said they had permanently removed the security freeze. Today, I received TWO more letters from Equifax, both dated XX/XX/XXXX, in which they said they had placed a security freeze ( again ) on my credit file. It is impossible to reach this outfit by telephone and it is clear they do not respond to written letters. How in the world can I get them to remove a credit freeze that I no longer want? I have attached both the XX/XX/XXXX letter ( freeze removed ) and XX/XX/XXXX letter ( freeze placed ). HELP, PLEASE!!!!!
Consumer complaint received 2018-06-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

disputed multiple times about XXXXXXXX XXXX being reported as being late when in fact that account as been settled over 6 yrs ago. called the creditor which is XXXX and they stated that they haven't been reporting any late payments since its been settled. therefore Equifax keeps stating that they have verified the account as accurate when in fact the creditor hasn't been reporting any information to them. 

Called Equifax and relayed what XXXXXXXX XXXX had to say, and the person at Equifax says that I have to pay XXXX a month for a few month for them to remove the negative information.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MD)

I sent Bitcoins ( BTC ) and Bitcoin Cash ( BCH ) from Binance exchange to Gdax ( Coinbase ) on XX/XX/XXXX and XX/XX/XXXX. Even though emails and coinbase log shows that it arrived and was deposited to GDAX, my GDAX account is not showing the coins. Multiple emails, cases, phone calls, but no customer support what so ever.
Consumer complaint received 2017-12-01
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. (TX)

There is an account that is past the statute of limitations and need to be removed and is also unverifiable which iXXXX XXXX XXXX XXXX # XXXX I need some help I have disputed this several times with no correction and removal
Consumer complaint received 2024-01-31
Product: Credit reporting 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)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agree on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RGS Financial, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.SXXXX, in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Around XX/XX/XXXX I deposited {$190.00} to get a secured credit card from capital one. I waited the 14 business days for the card to arrive and it never showed. Around XX/XX/XXXX I called to have another card shipped, because things happen and I try to be understanding. XX/XX/XXXX rolls around and still no card, I call again and say try sending it to another address I can accept mail from, XX/XX/XXXX appears and still no card. I call capital one again and close my account and ask for a refund, they say it will take 7-14 business days. Today is XX/XX/XXXX, no refund and ANOTHER call was made to capital one, I was immediately re routed to their bot after waiting 10 minutes for this representative. After about 20 minutes of navigating this ridiculous procedure, the bot tells me that my refund will be Mailed in 60-90 days. Im still waiting for a call back and I have doubt that my money is being sent back ( if they cant mail me a card over 4 months, how am I to believe my money will be properly mailed to me? ) 0 out of 5 stars Capital One I thought was one of the better businesses out there and as a small consumer just wanting my money back so I can pay my bills, Im absolutely disappointed.
Consumer complaint received 2016-06-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

What happened to my XXXX XXXX, 2016 's alert email? In XXXX XXXX, 2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, back in XXXX XXXX, 2016.
Consumer complaint received 2016-09-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had a line of credit with a local Ohio bank. I paid it off about eight months ago. The current balance is XXXX. Now I am refinancing my home mortgage with a different bank. They are saying that the bank with the line of credit needs to be paid {$350.00} for closing the account ( they have a lien on the house even though I do n't owe anything ). I never was told about such a fee at the start of this line of credit ( which I used as a second mortgage ). Normally commercial banks do not charge anything for closing an account. Is this legitimate?
Consumer complaint received 2017-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

On Thursday XXXX I processed a deposit into a Navy Federal ATM. The deposit included one item which was a Cashier 's Check for {$14000.00}. The deposit was made after the cut off time for the XXXX, so I did not expect funds to be available until XXXX. I called the credit union to confirm the date that the funds would be available and was told that they would not be made available until Wednesday, XXXX, as there would be a two business day hold placed on the item. 

The item was an Official Check which is a next day availability item according to Reg CC. The item was made payable to myself, endorsed by myself and was deposited into an account in my name. I inquired if I could come pick up the check and cancel the deposit to cash the item at the institution it was drawn on, and was told no, because the check was imaged by their ATM. 

I was also told that if I went into a branch to make a deposit, the funds would have been available sooner ( even though the transaction date would be the same ). This is a violation of Reg CC. Placing a hold because I made the deposit at the ATM instead of at the branch is senseless. Also the item is a next day availability item.
Consumer complaint received 2020-04-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
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: EQUIFAX, INC. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX. EQUIFAX and XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I was told I could change the date of my loan payment after the first payment was made so I called the agent as I was directed to and I set it up with a woman sadly to say I do n't remember her name but I 'm sure they would have some kind of record of it I told them I want to move my pay date to the XXXX and unfortunately that did not happen I 've been having problems with this loan company credit union since I bought the car they do n't have my right birthdate my maiden mother 's maiden name is wrong it 's been a complete nightmare so thinking I 'm making my payments on time with the 10-day grace. Actually it looks like I was late on my payments that is ridiculous and I 've talked to several people at the Golden 1 and last time I talked to somebody they said they took care of it obviously not because my credit score drop drastically. Also I had an incident with the water company where my mail was stolen and I had no idea that the bill was due super busy and it 's the last thing I even ever expected the previous tenants went down to the post office and put some kind of vacation hold on our mail and of course being very busy it just weeks went by and sadly to say I was n't keeping track and she was collecting our mail so again another late charge
Consumer complaint received 2017-11-30
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. (TX)

On XXXX-2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.
Consumer complaint received 2017-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: River City Financial, LLC (MN)

The law firm of XXXX XXXX XXXX has, over the past 18 years, captured my money several times for a debt they allege, but has not proved, I created in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of River City Financial, apparently obtained a judgment against me, without providing me notice, for this account they alleged I opened inXX/XX/XXXX This same year, the law firm acting on behalf of the debt collection agency then captured an account for this debt ; one of which, I shared with my parents. I was on the account due to them both being ill and unable to care for their financial affairs. I sought help inXX/XX/XXXX, from the Minnesota Attorney Generals office, which resulted in XXXX XXXX XXXX River City Financial returning the money to my parents account. Because of lack of knowledge on laws about debt collection, getting my parents money returned was the only action I took.
For a second time, in XX/XX/XXXXthe law firm of XXXX XXXX XXXX captured my bank account that was set up in my name. They took close to {$800.00} which were both my wages and school loan money ; at the time, the law firms actions put my family in dire financial hardship. As a result, my family had to find monies to get basic needs and other daily living items to continue to move forward.
Again, I sought assistance from the MN Attorney General office. While I worked on providing XXXX XXXX XXXX with proof of my familys financial situations, the MN AG office assisted me by writing a letter to the law firm on my behalf requesting information about the debt. The agencys response was not expected because they could not provide the original application ; nor, did the law firm provide any solid evidence that this debt belonged to me.
I am tired of being frighten about the next time this big law firm decides it can capture my limited financial means. I can barely afford to take care of my family and I certainly can/do not want to continue to pay for a debt that is not mine.
Consumer complaint received 2017-12-01
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: Experian Information Solutions Inc. (TX)

There is an account that is past the statute of limitations and need to be removed and is also unverifiable which is XXXX XXXX XXXX # XXXX I need some help I have disputed this several times with no correction and removal
Consumer complaint received 2018-06-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC. (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2018-01-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (IL)

At the end of XX/XX/XXXX I advised personal Finance that I was in the process of filing chapter XXXX bankruptcy and the account that I had with them would be included in the bankruptcy. At the advice of my attorney I was to stop all payments to Personal Finance. On XX/XX/XXXX Personal Finance obtained a judgement against me in the amount of {$990.00}. On XX/XX/XXXX the paperwork for the chapter XXXX bankruptcy was filed by my attorney. The proper documents were sent to all of my creditors and Personal Finance filed a claim of {$990.00}. Up until XX/XX/XXXX Personal Finance has reported the account balance to XXXX as {$0.00}. On XX/XX/XXXX XXXX XXXX notified XXXX that the balance increased from {$0.00} to {$1200.00} which is incorrect. They also marked the account as charged off/written off as bad debt as of XX/XX/XXXX. Per the bankruptcy law the account should be reported as closed with a {$0.00} balance. Since filing bankruptcy the trustee has sent Personal Finance a total of 5 payments that total {$88.00} which would bring our remaining balance down to {$900.00} NOT the {$1200.00} that Personal Finance is reporting to XXXX. It appears that Personal Finance has continued to charge interest on the account even though the account was included in the chapter XXXX bankruptcy which is a direct violation of the bankruptcy law. I demand that this inaccurate information be removed from my credit report immediately. My credit score dropped 35 points because Personal Finance inaccurately reported an account balance and a derogatory remark of charged off as bad debt. This account was not a charge off prior to me filing bankruptcy and shouldnt be reflecting as such.
Consumer complaint received 2018-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOME FINANCE OF AMERICA (CA)

My husband and I purchased a home in Nevada. We went through a loan broker and were provided a loan by XXXX XXXX. Before our first payment is due, XX/XX/XXXX XXXX XXXX sold our loan to XXXX. I do not want a loan with XXXX. 

We have excellent credit and never missed a payment. Had I known they would have done this I would never obtain the loan through them. Our loan broker said they were a direct lender and retained their loans. We were lied to. The broker is XXXX XXXX out of XXXX. Do we have any recourse? I am very upset. This is fraud.
Consumer complaint received 2018-06-09
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: Experian Information Solutions Inc. (FL)

I have contacted XXXX  XXXX XXXX Creditor Representative and asked about any credit applications I have applied for. She responded and said she could not find my information in her system. Stating I never applied for a credit card with XXXX  XXXX XXXX. She then tranfered me to XXXX XXXX XXXX Checking account Representative and he also explained there is no evidence of me applying for a credit application with them. And I only had a checking and savings account with them. Therefore the two inquiries XX/XX/XXXX and XX/XX/XXXX should have never been on my credit report. XXXX the Checking Account Representative for XXXX  XXXX XXXX is sending me a letter to verify I never did a credit application with them. And I would like for those two inquiries on my credit report to be deleted. Please and thank you.
Consumer complaint received 2018-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC. (FL)

Falsely created account and false amount owed ... to collection agency " XXXX '' ... 
XX/XX/XXXX..received letter from " XXXX '' stating the amount owed is the correct amount ... this is not true, since " XXXX XXXX '' received payments of {$6600.00} and {$5100.00} in XX/XX/XXXX.
Consumer complaint received 2021-07-13
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: Absolute Resolutions Corp. (NY)

Date:XX/XX/2019 Amount : {$1000.00} Action Taken : Sent multiple disputes and also went through CFPB and on one of my credit reports, this collection agency has a different name abbreviated which made it difficult for CFPB to locate them.