davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a vehicle loan from Capital One Auto Finance that has fallen behind because I have not had a job since XX/XX/XXXX. I tried to get an extension earlier during the summer but they denied it and has since put the vehicle out for repossession with XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX I received a text message from my ex girlfriend, mind you we have been split up for almost a year, that an agent from XXXX XXXX XXXX came by her house and disclosed that my vehicle is out for repo. Now it is my understanding that a repo agent or debt collector is not allowed to disclose that there is a debt owed to a third party unless they are authorized by the debtor. I then received a call on XX/XX/XXXX at XXXX XXXX from an agent for the same company saying that " This is XXXX and that I am a civil process server in XXXX County and that I have some papers I need to deliver to you. '' This is also a direct violation of FDCPA rules because a debt collector or anyone that is employed to represent the debt collector is not allowed to deceitfully identify himself as someone representing any type of court , county, state, or federal employee in order to scare information out of the debtor. I have the voicemail as well as the text messages from my ex girlfriend verifying this information. I have no called the finance company or the repossession company back because I do not want to be verbally assaulted. If the repo company is willing to disclose debts with third parties and to pre text to deceitfully get information then I do n't know what else they are willing to do.
Consumer complaint received 2021-03-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX have also filed 2 CFPB complaints against the bureaus for their lack of responses on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing from anyone! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2018-06-22
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. (VA)

I have disputed this many times and Experian will not remove this account that is incorrect. I have finally cleaned out my storage unit and was able to locate the letter from XXXX XXXX  regarding my items that show on my credit report as being returned. I have sent that and the envelope showing the stamp date and asked that they fix this account that was reported as a collection and with a XXXX balance as well. They just sent back the dispute investigation and have refused to remove this from my credit report
Consumer complaint received 2024-01-23
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. (GA)

This inquiry is unauthorized according to15 USC 1681B2. This inquiry is listed as follows on my credit report as XXXX XXXX XXXXXXXX dated XXXX, XXXX XXXX, XXXX XXXX dated XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  dated XXXX, XXXX XXXX XXXX dated XXXX, XXXX XXXX XXXX dated XXXX, and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I deposited 1 bitcoin to my coinbase pro exchange account in order to sell a bit and take profit. Upon doing so, I then proceed to withdraw the remaining bitcoin balance I had left back to my personal hardware wallet, the exact amount was XXXX bitcoin, or around {$19000.00} at the time of this writing. The transaction never made it thru, and has in fact been stuck in " Pending '' status for over 3 days now. Withdraws usually take only minutes to be completed and broadcast to the blockchain. I put in this withdraw request on XX/XX/2021 at XXXX CST. 

After waiting hours and it still being in pending status, I reached out to customer support to see what the hold up was. It has been 3 days, and I have been absolutely unable to get any sort of resolution or for that matter make ANY level of progress whatsoever with support. I continue to get generic pre-written canned responses to my email and ticket support requests. I have also attempted reaching out to support via all social media outlets as well, XXXX, XXXX, XXXX, etc, all to no avail. There is no phone number where I can reach a live person to deal with, and this is a decent amount of money we are talking about here. I have screenshots and ticket correspondence with all of their generic canned responses as well if that is needed. I have put in multiple support requests for what should be a very simple to fix issue, but I now feel that I am being totally ignored and given the runaround. All that needs to be done on their end is process the transaction or cancel it so that I may submit it again to regain access to my own funds, however I have been 100 % absolutely unable to reach anyone to help me get this sorted. Its almost as if every single response is just coming from an automated bot that sends me FAQ links and pre-canned responses. 

Multiple tickets put in with no resolution on any of them : XXXX, XXXX, XXXX, XXXX. 

I can provide any and all required info to pursue this and obtain resolution. I only want my funds released so that I may regain control over them again!
Consumer complaint received 2020-08-21
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: DISCOVER BANK (FL)

I was a victim identity theft. I tried to work with the creditor back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/XXXX  attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the account. I have sent a letter to the creditor on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks already. XXXX   has not responded to my request nor have they removed the remark. XXXX  and XXXX  have both responded and both removed the negative remarks.
Consumer complaint received 2022-09-12
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (IL)

Freedom Mortgage has my account as discharged through a XXXX XXXX and derogatory in the comment section. I sold my house and paid the mortgage in full in XX/XX/2021. I paid all payments outside of the XXXX XXXX plan. There was a payment included in the XXXX XXXX. I also made that payment outside of the plan and Freedom Mortgage receive that payment through the plan too. I spoke to Freedom Mortgage representatives they stated that they can report it discharged through the XXXX  XXXX even though the mortgage was paid through a real estate sale.
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

XX/XX/2020 @ XXXX XXXX. two deposits into a hsbc premier checking account in the amount of {$380000.00} these deposits were processed and supposedly deposited into my account. I called hsbc and asked them whats going on and they told me Somehow there was no record of those transactions and that they never existed I have proof that their misinforming me and misleading me. Im confused and I just want understanding and to be redressed. Refer to the pictures and ask them if they have record of those two transactions their going to say no.
Consumer complaint received 2018-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (IL)

I am complaining about XXXX XXXX for HARASSMENT! 

My husband and I are both cosigners for our sons Smart Option Student Loans to XXXX XXXX. 

In XX/XX/XXXX through XX/XX/XXXX, we cosigned for our son for the Smart Option Student Loan, which consists of six loans. My son has been paying these loans holistically since he first received his pay check in XX/XX/XXXX from his job at the hospital as a nurse and up-to this-time. As a matter of fact, all of these loans have been applied for auto-pay. 

Since XX/XX/XXXX, weve been receiving non-stop emails, letters from the mail and phone calls. We received phone calls constantly almost every day, some of these calls are not showing the phone numbers on our phone screen. Sometimes, it shows restricted or unavailable or private. We can only recognize who called us when we listen to the voice mail. When we called the number that was provided on the voicemail, we often waited to get a human being to answer our calls, sometimes we got lucky if we were answered within 45-minute wait, after we discussed what we were calling for the person said, " your payments are up-to-date. '' Another occasion that I would think it was an harassment was : XXXX XXXX Representative, XXXX is the name he gave me called my work phone at around XXXX. ( On one occasion, they collected three times from my sons bank account and they were apologetic because of their mistake and they returned the access amount to his bank. ) Another that I believe that it is an Harassment was their electronic mail. The email says, Your XXXX XXXX student loan ( s ) requires your attention. Log in to XXXX to review your account information. Signed by XXXX XXXX - XXXX XXXX Soon as I clicked on the link, it's an offer for another loan ( This is misleading people like us to open the email. ) Another instances was The letter from the mail. The letter says, Late payments may result in your XXXX XXXX loan/s being reported to the consumer reporting agencies as delinquent. Negative information on a credit report may adversely affect your credit rating. Its important to know that delinquency can stay on your credit report for up to seven years.

This is too much! Not only are they harassing us but also threatening us. Those statements really are very stressful!

I am hoping that you would help us to STOP them harassing/threatening/stressing us. We want them to STOP calling/ emailing/ sending letters in the mails with deceiving/threatening statements. We do not need them to bother us. My son 's payments have been enrolled for auto-pay.

Thank you in advance for your time and assistance. I highly appreciate it.
Consumer complaint received 2023-07-28
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: BMO Bank, N.A. (IL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (TX)

They called at least five family members on Friday XX/XX/XXXX then again Monday XX/XX/XXXX. They have my address, read my address to everyone they called. They keep calling the same people asking for my place of employment and address.
Consumer complaint received 2020-07-18
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. (TX)

FTC Violations Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
XXXX XXXX XXXX XXXX {$3700.00} # XXXX XXXX  card # XXXX {$7400.00} Please remove addresses never live there XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2020-05-11
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid my credit card in full about 3 months ago, and when I requested my credit report TRANSUNION and XXXX XXXX show that my credit card was paid in full. the only who shows the correct paid was XXXX, I called my credit card bank and they told me that they report the info in XXXX XXXX. Im working on fix my credit and I need the correct info in my report.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have XXXXaccount on my trans Union credit report thats not mine I them to supply a document showing my signature. But as of today I still have not seen so I need these removed asap. XXXX XXXX and wells recovery XXXX I do n't have the account numbers sorry..
Consumer complaint received 2020-07-18
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: DLC, LLC (TX)

This account is a loan from XXXX of XXXX. I guess I never made a payment, and then it went to collections with XXXX XXXX XXXX in XX/XX/XXXX. I have disputed this multiple times with the credit agencies, but the information keeps coming back accurate. They claim the first date of delinquency is XX/XX/XXXX, but it is actually XXXX or XX/XX/XXXX. Making this debt too old to be on my credit report. I have the documentation they gave me, and they also spoke to me on a recorded line stating I never made a payment.
Consumer complaint received 2020-07-18
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: Experian Information Solutions Inc. (CA)

XXXX  is inaccurately reporting a bankruptcy on my credit file. I have also been blocked from having online access making it difficult to view my credit report and submit disputes online. It has proven to be extremely difficult and troubling trying to call and speak with a live representative regarding this matter. At this point XXXX  has failed to offer sufficient access to my credit file. 

After going back and forth in written correspondence a my only option, my last letter ( copy attached ) was mailed via certified mail on XX/XX/2020. I received an automated response that did not satisfy my written request. I have been denied sufficient access to my credit file and denied adequate documentation as requested per FCRA 611 ( a ) ( 7 ) to request a complete description on all methods used to investigate my dispute.
Consumer complaint received 2022-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated (FL)

This is a over reach by XXXX XXXX XXXX to over charge My health insurance paid adjustments were made I contacted this Company to dispute and verify make adjustments never explained in writing to justify this charge was not made considering XXXX XXXX XXXX XXXX Charged {$10000.00} for two hour visit released went home.This Corporation has hade a history to over charge/ over reach against its patience
Consumer complaint received 2021-10-09
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. (TN)

I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

None of your listed complaint boxes pertains to my issue. You should have an other box! My issue is the following : I am being denied access online to my mortgage account. I have complained about this on many occasionsbut no matter what they tell me to do to fix the problem, it does not work. Their reasons given on each time I have complained are too many to mentioned. It is as if I am being blocked from online access! I need a 2nd copy of my 1098 and even asked their C.S. to email me a copy! They said OK but I never received it. Why I can not access the Web site beats the heck out of me! I have never had this issue with any mortgage companyin the past.
Consumer complaint received 2020-07-18
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: Experian Information Solutions Inc. (CA)

Mr. XXXX XXXX SSN # : XXXX To Whom It May Concern : Hi I have been customer since XX/XX/XXXX and during this time I have enjoyed my experience with XXXX XXXX. I am writing to see if you would be willing to make a GOODWILL adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account from XXXX of XXXX. Because of my previous payment history never exceeding 30 days I would REALLY like for you to consider removing the negative payment from my credit report. At the time of the late payment, I scheduled a payment of {$210.00} and at that point something happened on the back end system that did not allow my payment to fully process. IT WAS COMPLETELY OUT OF MY CONTROL. I say that to show that the late payment is not an accurate indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. It it greatly affecting me and my new family from getting a car and getting accepted to a new apartment. Three dealers and 2 landlords have already denied me for having a late payment within this calendar year. 
I have been a very happy customer in the past and hope to continue a long relationship with XXXX. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. You guys has been exceptional in my book so far and I hope that you will deeply consider my request!!! I have attached a screen shot of my scheduled payment and an attachment of my bank statement for that month showing the something went wrong and my payment was never taken out. The bank account came back unable to locate but my bank statement for that month prove otherwise. 
Sincerely, XXXX XXXX