davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

This involves XXXX XXXX from XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. The proposed agreement was to refinance my property and provide an additional line of credit in the amount of XXXX XXXX XXXX, then after i produced the plans for construction, along with the total cost of the entire project for the building with condos on top of an existing structure, then we would move to funding the cost of construction of the condos which at that point i would be paying interest only while under construction.Then XXXX XXXX explained to me that after construction the loan it would be made permanent, however XXXX would take their money off the sale of the unites first to be made whole. 
However everything which was said i was in total agreement with he stated he would get back with us within a weeks time, so within that nexts weeks period he stated its approved and he would have a term sheet, so when XXXX XXXX and XXXX XXXX came to my office he stated what i should sell the condo for and also stated to me that i will have my term sheet and he would start getting the appraisal put out for bid, and he would return on tuesday because monday the banks are closed due to presidents day but very importantly he stated we would have the term sheet on tuesday.however on friday when he seen i was XXXX XXXX after he came to my office, He goggled me and said he read some articles in the paper regarding an civil matter which was XXXX XXXX XXXX on me and said i needed to provide documents about that to get the deal done.So let 's keep in mind that we were just approved and closed on a XXXX loan inXX/XX/XXXX, However my wife owns this company and she is a double minority, This to me is totally XXXX discriminatory practices in addition to redlining to name a few. when is it the banks protocol to XXXX someone for the basics of a loan.In addition there are no XXXX XXXX in XXXX Pa, Doing construction, for that matter or even being a business owner. why because XXXX pennsylvania doesn't help promote or assist XXXX XXXX with becoming or even assisting with developments of business in this region of the state, Their belief is all an XXXX XXXX can to is work 9 to 5 not for ones self.In my humble opinion its banking practices like this which XXXX, institutes and Believes in and practices are XXXX and in these times should not be tolerated period.
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had 3 accounts with Chase. They closed my accounts upon review for 3 reasons. 

Returned payments ( a payment was rejected because I made a payment from a savings account. I was informed previously that I could make payments from the savings account. I was provided misinformation by the company that eventually influenced the closure of my account. 

Credit limit was too high ( I was granted the credit limit by Chase originally and then months later, they decided the limit was too high and instead of lowering the limit or closing less than all of the accounts, they shut them all down. Again, I was given this limit by the company, only to have the company then say that it was too high and that they were going to remove the accounts. ) Not enough credit history ( again, granted the cards by the company only to have them remove the accounts. ) I addressed the savings account issue with Chase over the phone and confirmed that I could make the payments with a savings account. I clearly had enough credit history to acquire the cards in the first place so there is no cause to claim I didn't have enough credit history. They granted me the credit limits at first, have me the cards, and then at their will, chose that the limit they granted me was too high and this closed the account. 

Every reason that my account was closed was due to their negligence and I have received the fallout.
Consumer complaint received 2021-11-01
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: EQUIFAX, INC. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 60 days!!! When I call to check on each respected document with each bureau ; I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX and XX/XX/XXXX I submitted a dispute letters to XXXX, Equifax and XXXX I have not received a response from either about inaccurate reporting information.
Consumer complaint received 2021-06-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CT)

I went to log on to my Coinbase account and upon doing so, the screen started blinking and went " white '' ... .over the course of time, I found out that there were unauthorized transactions of converting my XXXX XXXX XXXX to XXXX, then moving the XXXX XXXX out of my account, leaving my account balance at XXXX from {$55000.00}. I held XXXX, XXXX, XXXX, XXXX and XXXX. All were converted to XXXX, then sent to external address XXXX. All of these transacttions took place in less than two minutes. Coinbase showed no evidence of knowing their customer, halting these transactions or even questioning them. I have never sold my holdings in the life of my account.
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts Or permissible purpose. I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 
DELETE THESE ACCOUNTS : Original creditor : XXXX XXXX XXXX XXXX Account Type : Collection, Date opened : XXXX XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX, Account Type : Auto Loan, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX Account Type : Credit Card, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX, Account Type : Charge Card, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX XXXX, Account Type : Credit Card, Date Opened : XX/XX/XXXX, Account Number : XXXX Please remove account. 
Original Creditor : XXXX, Account Type : Credit Card, Opened : XX/XX/XXXX, Account Number : XXXX Please remove account. 


UPDATE FOLLOWING ACCOUNTS TO ZERO DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.
Consumer complaint received 2021-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-03-08
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. (IL)

I have attempted to contact Experian and provided the supporting documentation. 
Experian Explained that XXXX XXXX has claimed that the information on my credit report is accurate. 
However, it is not accurate, it is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

Below are the details : I had an administrative forbearance as well as a general forbearance granted for federal student loans. It was explained to me by XXXX XXXX that all of my accounts would be updated, to be appear as current. The dates covered areXX/XX/XXXX-XX/XX/XXXX. However, I still see late payments on my credit report. I reached out to Experian first and sent them the letter from XXXX XXXX stating the forbearance dates to be updated. They did not update my accounts although I disputed. Attached is the letter I sent to them along with the letter from XXXX XXXX By failing to update previously reported information, for XX/XX/XXXX and XX/XX/XXXX Experian is in violation of Section 623 ( a ) ( 2 )  of the FCRA. " This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I purchased a vehicle from XXXX in XXXX. They sent my information to XXXX XXXX XXXX. The loan started in XX/XX/XXXX for the first payment. In XX/XX/XXXX, I was wrongfully terminated from my employer and got behind on payments due to me not making the amount of income I was when I was employed. I made numerous contacts to XXXX to ask them what were my options as I was very concerned about my credit and my co-signers credit. They didnt want to assist. I ran up credit cards trying to stay on track. Fast forwarding to XX/XX/XXXX, my car was stolen and taken to another State. I had full coverage insurance and XXXX was paid off. Theyve added the amount they said I owe, over $ XXXX to my credit report which is impacting negatively for me and the co-signer. I was not $ XXXX behind on payments, maybe 2 payments behind since I was stressed, single mother, trying to work still and find transportation to get back and forth to work. I end up ultimately having to get another loan for another car. I dont feel that amount they say is owed is legitimate.
Consumer complaint received 2021-06-24
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: Santander Consumer USA Holdings Inc. (CT)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine
Consumer complaint received 2020-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have tried contacting TRANSUNION several times about wrong information on my credit report. 

Initial contact by certified mailed letter XX/XX/XXXX To this day no response from them, they have exceeded the legal allowed 45 days to look into it. 

First complaint response " we got the info, need more time '' They were already PAST the legal allowed 45 days at this point. 

Second complaint response " we did respond '' WHICH THEY DID NOT Third complaint response " we got the information and need more time '' This is NOT ACCEPTABLE, they have exceeded the legally allowed 45 days at maximum.
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America offers auto pay of credit card amounts due on their website however there is misleading options which result in the Bank charging interest fees and late fees to unsuspecting consumers who do not understand what they are signing up for. When this auto pay is initiated there are several options namely two options which are offered if payments are to be made automatically : Amount Due and Balance Due. Neither of these are defined online and therefore if anyone incorrectly chooses Amount Due and believes this means what is now due on their statement will be paid it is accurate but it is not completely true. What will be paid is ONLY the minimum amount due not the full amount. Therefore the Bank will assess interest charges which can NOT be reversed if there is an error in choosing this option as I did. I have spoke with several managers at the Bank and they are " unable to correct '' this and will not. If the Balance Due option is chosen to pay the FULL amount, not the minimum amount due, then there is no interest fee charged and again this is unclear. Upon discussing this with the Bank via phone calls there is, by one manager 's admission, ongoing confusion with consumers when signing up for auto pay and the Bank benefits from this confusion by charging their customers interest. It is important for consumers to understand how the Bank offers several options and explain what is being selected and why but Bank of America does none of these on their website where the options are offered. My experience with this issue and the Bank 's inability to accept responsibility for this issue or reversing charges when there was an honest error made with each credit card has lead me to ask the CFPB to intercede and make it clear what one is signing up for or not. Only after speaking with many managers and spending significant time to the last person reverse the interest charge because she saw that I had chosen Amount Due when it should have been Balance Due. This is a confirmation that the Bank has a problem if this one manager would change this because, " there was an error. '' What about all of the other customers who are in error? What about all the interest fees this Bank receives as a result?
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

Contract Callers is trying to collect a debt from XXXX XXXX that was opened fraudulently by someone else. I did everything I was supposed to do under the fair credit reporting act and disputed this as fraud. I asked for the bureau to block the item and forward the dispute to CCI as fraud. The bureaus did NOTHING and CCI did nothing. 

Is the Fair Credit Reporting Act still viable in this new administration? Do I still have rights?
Consumer complaint received 2018-07-30
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. (GA)

XXXX XXXX XXXX is collecting a gas company debt that is fraud. Someone opened a gas account in my name. I did was I was supposed to do and filed an ID Theft Affidavit with the three credit bureaus instructing them to block this item from my file and instructing XXXX to perform whatever fraud process was needed on their part. 

The bureaus did absolutely nothing ... and XXXX has done nothing as well. Does the FCRA stand for anything anymore?
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. 
My only address is XXXX XXXX XXXX XXXX, SC XXXX please remove : XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX MY SS XXXX PLEASE REMOVE ALL OTHERS THEY ARE NOT MINES.
Consumer complaint received 2018-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (NC)

Specialized Loan Servicing, LLC ( SLS ) is holding a lien on my property ( XXXX XXXX XXXX, XXXX, PA XXXX ) that was paid off by a third party investor without my knowledge. In addition, SLS is demanding that I pay them $ 43,000+ when they never provided nor forwarded information addressing my concerns of the originator 's Power of Attorney and the trail of mortgage assignments.
Consumer complaint received 2018-02-17
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. (CA)

XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus XXXX, XXXX AND TRANSUNION.IT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached XXXX credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.
Consumer complaint received 2018-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (PA)

To CFPB, Starting from XX/XX/XXXX as a point of reference to start from, I had noticed I had a few Voicemails and opened and listened to them. I had been out of the country from XX/XX/XXXX-XX/XX/XXXX so was not answering my phone for international phone calls. After listening to the Voicemails I realized it was Upstart who I hold a loan with. I called them and asked if there was a problem with my account. They indicated I had 3 late payments added to the last 3 months of payments. I was surprised and asked why, which I was told that I was late on all those payments. I recalled the past five months dates and amounts which my checks cleared on : XX/XX/XXXX - {$790.00}, XX/XX/XXXX - {$790.00}, XX/XX/XXXX {$790.00}, XX/XX/XXXX - {$790.00}, XX/XX/XXXX - {$790.00}. My grace period end date is the XXXX of each month which after late fees are assessed. 

The following is the information I received via email about the amounts I owed for the referenced months. 

XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} In speaking wit Upstart and you can see above, for the month of XX/XX/XXXX my payment was mistakenly XXXX cents short ; Payment : {$790.00} vs owed {$790.00}. I accidentally made a mistake with the XXXX cent increase from my previous months payment, but then all the following payments you can see I over paid by XXXX cents each month. In all me email notifications about the upcoming payment, those payments never included any late fees in the notifications or added them to reflect my true amount due. I was under the impression I was always make the full amount payment, but in fact because XX/XX/XXXX payment was XXXX cents short, all my payments thereafter were first being applied to the late fee which was applied to the XXXX cent shortage on XX/XX/XXXX payment. Which then had my account never fully paid and another late fee charge to occur every month. If the mentioned emails are needed as evidence, I can provide. 

I have reached out to Upstart and spoke with them, but they are unwilling to take into consideration in the amount which started this whole fiasco of XXXX cents, and that I for multiple months after overpaid by XXXX cents. I am asking for all late fees to be waived ( 3 each in the amount of {$15.00}, totaling {$45.00} ). 

Thank for you time and effort.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

I paid off my American Honda Finance account in XX/XX/2017 as obligated. The company placed a late payment of 30, 60 or 90 days when that was not the case. The disparaging information works to my detriment. I am requesting that American Honda Finance immediately remove the negative reporting from my XXXX records.