davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SECURITY SERVICE FEDERAL CREDIT UNION (CO)

I have XXXX issues. I am a veteran XXXX identity theft watch program with the office of personnel management via the XXXX due to a XXXX breach. 

Since fed agencies removed full socials and mostly all partial socials on all paperwork. I called in today and couldn't get an agent. I pushed the options to get checking account info after asking for an agent XXXX My phone is insecure as well as our phone call. Security XXXX  decided to ask for the last half of my social security number via automated bot and not agent like I requested. This is a XXXX failure in privacy. This happened on XX/XX/2023 around XXXX XXXX. I then spoke with an agent to file a complaint as cell phones are not secure lines with data breaches due to trusting all devices. I understand this may cause inconvenience but not XXXX person needs my social but me and my spouse ( husband or wife ). The agent and supervisor in question said I could give other info instead. The automated line did not allow that, instead, it said if I didn't put in my last XXXX that it would hang up and did XXXX. I called XXXX originally. Additionally, the supervisor wanyed to badger me on why i was questioning security when breaches happen daily even to XXXX, XXXX, XXXX, even to state offices. A company that questions why a user has security concerns when their name literally has security in it, is a fallacy on its own.. If I get breached again due to a company I have no choice but to sue for damages. 

My XXXX  issue is I use third party services for management. Before XXXX, plaid was trashed. I complained and was able to use it again. Recently, I can no longer use it. I don't want a security service app like this because I don't trust them with the last interaction when this is an ongoing issue so far especially with the issue noted above. All I want to do is use plaid and to not have my personal information exposed by companies that have poor security practice that can't even match state and fed level already. Fed employees can't even email me directly because I am required to use encryption and their secure messaging and calling. They don't ask for socials anymore period.. you can verify me just like they do..
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the fair credit reporting act XXXX BANK XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  BANK XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Today XX/XX/XXXX, I received a notice from a collection agency, Convergent, stating they are trying to collect a debt amount XXXX claiming that I owed to XXXX. This has been a recurrent problem with XXXX. I have not had an account with XXXX since XXXX  when I lived at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. I vacated that apartment in XXXX, XXXX and closed the XXXX account, paid the final balance, returned all the equipment. Apparently XXXX at some point reported or sold some innaccurate information about an account to a collection agency. Every year or so I get a notification from a collection agency about some amount owed to XXXX. I have repeatedly contacted XXXX about this and that company and their collection agencies keep sending me these claims. This now constitutes harassment. I do not owe anything to XXXX and want the CFPB to act to stop the collection agency, and stop XXXX from continuing to harass me about a debt that I do not owe. The address of Convergent on the notice is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX. The Client Account number on the notice is : XXXX. The Convergent Account number is : XXXX. 

Signed, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 - 30 days late mark 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 2021-06-30
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: Synovus Bank (NJ)

please check the following accounts, which appear on my credit report, without any authorization, do not belong to me Identity Theft FSTPROGRESS Account XXXX : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2018-01-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RAS LaVrar, LLC (FL)

XXXX XXXX XXXX took me to court i didnt know it till i was served .i won the case against this lawyer.the judge evan wrote a 10 page law review article on the case. XXXX XXXX is the person who filed the case against me in court.the llc was just opened around the time XXXX XXXX was alleging i was in default.as i looked on XXXX XXXX an seen the llc 's that this attorney has opening an closing them, is crazy illegal to me.but he is the man im directed to when trying to resolve this issue. in my previous complaint about the reporting agencies. i will be filing a florida bar complaint as well as this i had a recent score of XXXX i was proud but since the end of court i havent recieved my XXXX dollars he owes me from court.and my credit is droping in some instances 50 points or more.because of his actions i have contacted him he represents XXXX   XXXX so he is in charge of the matter this man knows i won the case and so know between XXXX  XXXX and this attorney my credit is toast.because of these actions i fill victimized by this atorney.
Consumer complaint received 2017-06-10
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. (FL)

Negative information that belongs to someone else is on my Equifax Credit report. I reported it to them, they agreed that it was not my information but it is still there. The address is also not mine. It is from a pet hospital. I do n't have a pet.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF HAWAII CORPORATION (HI)

In accordance with the Fair Credit Reporting Act, Bank of Hawaii Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-01-28
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: Experian Information Solutions Inc. (FL)

I wrote and mailed a dispute letter to Experian on XX/XX/XXXX and XX/XX/XXXX. They responded with letters within 30 days explaining the account in question XXXX XXXX was verified by creditor but provided no documented evidence. I called them on 2 occasions XX/XX/XXXX and XX/XX/XXXX to delete the account and both times denied. My next step is to start litigation against Experian.
Consumer complaint received 2018-01-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I contacted Coinbase on XX/XX/XXXX for help approving a transfer of bitcoins from my vault to my wallet, with the intention of selling my bitcoins ( initially it was XXXX, but now I wish to move all XXXX btc. I could not approve the transaction through my backup email address, which can not be updated on the site, so I contacted support. I was told my problem would be handled shortly. I have sent multiple follow-up responses hoping to get my problem addressed, or at least an update on when I can expect it to be addressed. My follow-up emails have all been ignored.
Consumer complaint received 2018-01-28
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: DISCOVER BANK (OH)

I applied for a student loan with Discover Student Loans on the XX/XX/XXXX with the intention of going to XXXX XXXX University. Discover Student Loans did not mention in it's advertisement nor disclosures that contingent upon loan approval that a cosigner is required. When I called to speak with Discover Student Loans I was told that the reason that I needed a cosigner was not based upon my excellent credit history however an agreement they had with the university as XXXX XXXX University has/had a high dropout rate. I was not given this information prior to applying for the loan, the information I was given was unfair, deceptive, and fraudulent. It altered my individual perception as someone applying as if I would have known this information upfront in public data on their website or in the material pertaining to discolors and agreements I would not have applied for the loan. This is resulted in a hard credit inquiry on my credit report because of the company 's blatant negligence in giving consumers adequate information pertaining to student loan applications. I did see on the website that a cosigner may improve chances for approval of the loan, but nowhere did it mention that I would need a cosigner based on the university/college drop out rate. I called again to try to get more information about student loans in the later part of XX/XX/XXXX with the intention of getting information on the loan I originally have applied for as well as information regarding the process of applying for a new loan. The representative was not willing to provide more insight regarding the cosigner issue nor issue me the original document I had online.
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: FIRST NATIONAL BANK OF OMAHA (GA)

ON XX/XX/2013 I OPEN A CREDIT CARD ACCOUNT FNB XXXX THE CREDIT LIMIT WAS XXXX I WENT OVER THE LIMITED THE CREDIT LIMITED BUT PAID THE ACCOUNT OFF AND RECEIVE MY XXXX DOLLARS DEPOSIT BACK INFORM OF CHECK AFTER CLOSING MY ACCOUNT WITH THEM MY ACCOUNT WAS REPORTED TO THE CREDIT REPORTING COMPANY AS A CHARGE OFF ACCOUNT AND I HAVE TRY TO DISPUTED AND TRY TO REACH OUT TO THIS COMPANY MULTIPLE TIMES THEY HAVE ADVISE ME THAT THEY CA N'T GET IN TOUCH WITH COLLECTION DEPARTMENT AND DO N'T HAVE NUMBER FOR THEM. I HAVE TRIED AND TRIED AND THEY WANT HELP
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

i opened a checking account with wells farggo and did a ACH transfer from my other bank ( XXXX XXXX XXXX into my wells fargo account for the amount of XXXX on XX/XX/2022. the same day they closed my account at wells fargo before the cash hit the account. the money was not returned to my other bank. i called wells fargo and was told it was held at the XXXX XXXX and was giving a tracking number which didnt work. called back a week later and was told a case was open about it and still now 2 weeks later havent received the money back
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

I contacted Chase bank on at least two prior occasions within the last year, advising them not to pay charges when there are not enough funds to cover them in my account. They continually explain it 's there policy if it is a recurring charge. However, I personally do business with other banks that do not pay charges when there are not funds available, no matter what. I believe Chase uses this practice to justify charging overdraft fees. My account is currently overdrawn due to a charge XXXX, I contacted chase to ask them to reverse the charge, they requested additional information that would take time to process, instead of reversing the charge immediately, like they 've done in the past. This is an extreme inconvenience, as my account is currently showing a negative balance.
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I made a XXXX transfer of XXXX EURO from my XXXX XXXX account to Coinbase on XXXX XXXX 2018. I have since discovered that XXXX uses XXXX to process its XXXX payments. I have also subsequently discovered that Coinbase do not accept XXXX transfers from XXXX, although Coinbase failed to indicate this. I understand my transfer was therefore rejected by Coinbase, however it was returned to XXXX without the required account information for it to come back to my XXXX account. 

I have been informed by XXXX that the ONLY way I can get the money back is if Coinbase completes and sends me an XXXX form with the required information for the money to be returned to my XXXX account from XXXX. 

I have tried to contact XXXX repeatedly via email and telephone to resolve this but have not had any response as yet. It has been weeks and I am very concerned about the whereabouts of my money and quite frankly the lack of concern and assistance from XXXX.
Consumer complaint received 2018-01-28
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: FACTUAL DATA CORP. (NY)

XXXX XXXX pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.
Consumer complaint received 2018-01-28
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: Rocket Mortgage, LLC (NY)

Rocket Mortgage pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.
Consumer complaint received 2022-08-11
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: Exeter Finance, LLC. (SC)

There seems to be an error on my consumer report furnished by Exeter Finance LLC. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that Exeter Finance LLC is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is Exeter Finance LLC attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has Exeter Finance LLC has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, Equifax Board members sold some of their stock. Consumers did not learn of this for about 75 days!
Equifax as a company should not be allowed to exist. It should not be allow to simply change its name. Equifax board members, executives, information technology staff and other employees involved should be punished for what they have done to the citizens of our country.
In the future, Equifax, XXXX, XXXX and similar companies must have comprehensive review and oversight.
Consumer complaint received 2021-06-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (MA)

Hello, Since XXXX, I owned a commercial building and also operate a hair salon and function hall. I have a mortgage with XXXX XXXXXXXX, XXXX for {$650000.00}. The loan document required me to pay interest only monthly payments of {$6100.00} and to pay the {$650000.00} in full by XXXX, XXXX. I have been making the interest only payments of {$6100.00} and I did not pay XXXX and XXXX, XXXX payments. 

On XX/XX/XXXX, I received a letter from Attorney XXXX XXXX XXXX, XXXX, in behalf of XXXX XXXX XXXX XXXX, XXXX XXXX, that I was in default and that in 35 days they will foreclose on my property atXXXX XXXX XXXX XXXX, XXXX, MA. XXXX. 

In XX/XX/XXXX, the Governor XXXX XXXX closed all businesses due to the COVID-19. 
In XXXX, XXXX, the Governor reopened hair salons. And on XX/XX/XXXX, the Governor reopened Bars. As a result, I have lost 90 % of my revenue and I was not financially able to pay the Loan in full. However, I was able to make all the interest only payment up until XXXX, XXXX. 
I would like to keep my property and be able to operate my businesses. Is there any help for mom and pops property owners and businesses? 

Sincerely, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As I gathered my annual credit report I noticed that there were a few of my hard inquiries that fell off but were reinstated and i never received a 5 day notice ( which is a FCRA violation ).
Consumer complaint received 2019-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I filed two Paypal disputes on XX/XX/2018 associated with the same transaction. Transactions were for payments, one for {$1000.00} and one for {$450.00} for electrical services to be performed at my house based on a written agreement and provided plans. Electrician did not complete services as stated in the agreement and did not follow provided plan. Plans provided stated that all work performed is to be code compliant. Electrician was subsequently terminated and new electrician was hired and completed the work successfully to code with no issues. I filed a dispute with Paypal on the basis that I did not receive services as stated in original agreement with original electrician. Electrician provided Paypal his reasons for NOT completing the work. Paypal took it upon themselves to deny claims stating that I did not allow contractor to complete work and therefore was still liable for full payment which is completely and utterly false. Paypal also chose to ignore all essential elements of the agreement that were to my benefit and instead pointed to elements of the contract in which they deemed to favor the merchant in their decision to deny my claim. My claims are substantiated with pictures and documentation. Paypal 's policy is to protect consumer from not receiving goods or services as described but failed miserably in doing so in this case and should be held accountable.