davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

In light of the recent data breach at I think it 's unfair that I have to pay to freeze and thaw my credit report three separate times when the information I am paying to freeze/thaw is information I never asked to be collected in the first place. Why is it my responsibility to pay to protect the accuracy of unwarranted data collection by a third party? I 'm at risk of having my identity stolen and the only protection is for me to pay money to three companies, one of which has already proven itself to be incompetent. This is ridiculous and I think legislative action needs to be taken now to prevent further disasters like this.
Consumer complaint received 2017-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WA)

Issue with Coinbase Transferred Ethereum based Tokens into my Ethereum Wallet on thier Exchange. They will not provide me the Private Key of my wallet so I may transfer my Tokens out of their wallet.
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC. (MA)

My husband and I leased a XXXX XXXX XXXX pick-up and the lease ended. I contacted Ally financial to extend the lease for 6 months and was informed that it was approved. They sent me documents and I sent them back via fax. I have the fax confirmation that the forms went through. I am being told that the did not receive the signature page however the signature page was sent back. There was an additional signature page that was signed on a double-sided legal-size letter. This was also signed however when it went through the fax, it did not pick it up on the receiving end. Ally did in fact however receive a signed and dated signature page. 

I contacted Ally two times on XX/XX/XXXX as well as today on XX/XX/XXXX. On XX/XX/XXXX, I spoke with 3 different representatives. It was extremely difficult to hear them as there were numerous people in the background. I requested a call back for a better connection and I was informed that they can not make calls out, only in. It seemed that this was a third-party handling lease issues and it did not seem as though they were in the United States due to the bad connection. 

I planned to make the payment today as it is due for the lease extension. The payments have been made on the account. They are now telling me that they closed this and I need to return the vehicle. We are not in any position to do that at this time, and this is why the extension was filed. My husband uses this vehicle for work as he is self-employed. They are trying to take away his ability to work by forcing this issue. We were already approved of the extension. We filed for the extension due to the high prices of vehicles etc. as well as the need to save up for a down payment, we are in need of the additional time to be able to return for a new lease or purchase the vehicle. Ally Bank is discriminating against us by not allowing the additional signature page to be sent over. They did in fact receive a signature page. I am trying to work with this company, and they refuse to help us. We are not behind on the payments. 
We need immediate assistance. It is not right what they are doing to us.
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

i have been a victim of identity theft, and i have been trying for a long time to work this out, but collector keeps harrasment calling me constantly, and will not send me information so i can try to see who has stolen my identity for these accounts, no information has been received
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

I filed a complaint against PNC Mortgage in XXXX or XXXX against the process thy use to process they use for providing a mortgage modification, During that time I provided them I provided tyhem with all the requirements for a HARP mortgage modification based on the fact that I had retired in XXXX of this year and my wife lost her job in XXXX also. They changed the dates required for responding to my complaints and moved forward with a foreclosue date. The date was cancelled and changed a couple of times because they were not being honest with my wife and I. I no longer trusted PNC and decided to perform a short. My real estate agent XXXX XXXX, XXXX received permission to enter the process as my spokesperson with PNC in order to carry out the short sale. To my knowledge he received permission from PNC to perform the short sale and begfin getting the property ready in XXXX, he immediately received a offer in the amount of {$450000.00} for the property which is more than fair considering the property is under water. Recently PNC informed XXXX XXXX that they were not going to accept the dshort sale because we had not provided XXXX documents, Profits and loss statements for my wife ( which they do have, and tax documents for XXXX and XXXX, they have XXXX, and we werer given permission by the IRS to filer our XXXX taxes late, They also stated thzat we failed to meet the 38 day requirement for sending them documents that they in fact already had. According to many real estate agents the 38 day requirement does not exist The fact that they gave my agent above permission to sale is the only requirement I needed to move forward. We have done everything requested of us during this two year process and PNC has not been honest with us, they change contact staff for me constantly and I am unable to make contact with that person and therefore I am constantly speaking with someone different each time I attempt to contact PNC. They constanly start the process over requesting the same package and documents that I have already faxed to them.You currently have a complaint on record filed against PNC with recommendations from Senators XXXX XXXX, and XXXX XXXX informing me that should file a complaint with your agency and now I mus t file again because they are foreclosing on my property on XXXX XXXX, and I feel that they have no right to carry out this un fair procedure, We need help immediately.XXXX
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (IL)

The company is Equifax. 

I never gave direct authorization to that organization to use, in any manner, my personal data. I have found out that they have been using my personal data, storing my personal data in a manner that allowed the data to be accessed by an unlimited number of third parties, and they were profiting off of my data without compensating me for use of my personal data. 

On XXXX XXXX I became aware that Equifax provided my personal information, without my consent, to an undisclosed party, and that they did not properly safeguard my personal information. There are now damages, and my personal data, against my wishes and my personal attempts to protect my data, has been violated and provided to parties that they have provided my personal information to sources that can destroy my credit reputation, name and history, resulting in higher costs, damaged credit, and irreparable damage to my future costs of borrowing and protecting my personal data. 

I have never provided any written authorization to Equifax to use any of my personal data, which is copywrite protected and owned by me, for any purposes and they have violated federal laws in stealing my personal information, and then failing to protect my personal information, selling data about me without my consent, and failing to protect the information which they had collected. 

I am seeking {>= $1,000,000} in reimbursement to cover all necessary legal, financial and reputational costs incurred, and potentially to be incurred over my lifetime for the egregious violation of my rights and federal laws.
Consumer complaint received 2021-02-01
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable! I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, XXXX  and TransUnion are reporting 3 derogatory accounts and 20 inquiries on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3 dispute letters to XXXX, XXXX  and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The account listed as past due with XXXX XXXX XXXX XXXX XXXX is inaccurate. The account was a HELOC and now has been adjusted to a fixed rate 2nd mortgage. The account is current and being paid as agreed. Correct this mistake ASAP XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

Contacted them several times for validation of debt and received no response. Also notified the XXXX credit bureaus of the inaccuracy. In addition to that information i also found the following link in reference to this company .... 

https : XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (AR)

Good day I have submitted letters of validation to Ally Financial with in those information I asked this company to not personally communicate with but to do everything online on CFPB site even after letters was sent Ally Financial has called my cellular device I find that as a nuisance. I feel my right have been violated and this company has over stepped the the law and communicated with when I specifically ask them not to 15 USC 1692c s805 communication in collection with debt collections I feel that they called me under ill will and the law states " If you think a debt collector has violated your the FDCPA, you can sue them for damages.if you prove a violation has occurred, you may be awarded {$1.00} in damages, plus additional compensation for any actual harm they caused. If you win the collector may also be responsible for paying your lawyer fees and cost. 
Attach is picture of call log happen XX/XX/24 @ XXXX
Consumer complaint received 2017-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

We have a home mortgage with Wells Fargo. We put into escrow each month money for tax and home insurance. We received a phone call the last week of XXXX from our insurance provider stating that our policy was in the cancellation process due to lack of payment. This payment was to be made by Wells Fargo, they had reached out to the bank to try to get payment and were unsuccessful. My husband and I reached out to Wells Fargo ourselves and with several phone calls, they assured us the payment was made and our insurance would be reinstated. They also told our insurance company that they overnighted a check. It has been well over a week and still no check for the coverage. We now have NO insurance on our home and yet we are still putting into escrow the monthly amount. I am not sure what Wells Fargo is doing with the money. Wells is not showing us confirmation of anything and will not pay the amount to get us back our insurance.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION (MA)

My account is administered by TRI-AD and the custodial bank is UMB XXXX XXXX. On XX/XX/2021 my HSA account was transferred to this provider by the previous provider as I switched employers. By the end of XXXX I still had not received a monthly statement and I called on XX/XX/2021 in order to figure out why one had not been generated. They stated that a statement is only generated when a purchase is made with the card. Despite the activity in the account in the previous month, they would not generate a statement. Activity in the previous month included transfers from investments and " Benefit Administration Fees '' of {$2.00} on XX/XX/2021 and XX/XX/2021. Then on XX/XX/2021 I made a purchase using the card hoping that would generate a statement at the next month-end. However now it is XX/XX/2021, and no statement has been generated despite another Benefit Administration Fee occurring on XX/XX/2021. 
Given that this account was transferred from a different provider, I still haven't even received an initial statement from this provider, and despite the activity, they refused to generate an account statement. Finally, after making a purchase which they stated would generate a statement, one still hasn't been created. I couldn't even close my account if I wanted to, as I don't have a statement. This Company is intentionally making it difficult and expensive for people to close their account and charging fees that are far above industry standard without giving individuals a choice in the matter.
Consumer complaint received 2017-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (LA)

Loan Start date was XXXX/XXXX/2017 for {$600.00} dollars.
<P/>
When I signed up I thought I would only have to pay back {$720.00} including a {$120.00} finance charge.
<P/>
I have tried to pay off the loan multiple times but they say oh its too close to your loans next due date and auto draft my account for for {$160.00}. Almost all of this goes towards interest so far I have payed Interest Paid To Date : {$980.00}. This is utter predatory and ridiculous. You can not see the % rate until after the terms are signed. They keep adding load extension fees. I do not want to extend it I have tried to pay it off but they refuse siting its too near the payment day and it has been processesd already.
Consumer complaint received 2017-07-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

XX/XX/XXXX - - letter to XXXX XXXX XXXX, CEO of Citizens Bank regarding offer of CD at 1.75 % and/or 1.50 % ... attempted to open CD as per the print advertising, but could not. ... ... <P/>XX/XX/XXXX - - spoke with a XXXX XXXX of Citizens Bank at XXXX XXXX who informed me that he would research the matter ... .The matter is that the offer as presented fails to mention that the customer needs to have {$25000.00}. on deposit with Citizens to get the premium CD yield ... <P/><P/>XX/XX/XXXX -- wrote another letter to CEO XXXX XXXX pointing out the incompetence of his XXXX XXXX in resolving the situation ... <P/><P/>XX/XX/XXXX -- a third letter to CEO XXXX stating that XXXX XXXX had offered me a CD at 1.25 %, but failed to relay that information to the branch ( XXXX ) staff where XXXX XXXX is the branch manager, and XXXX XXXX is also in a supervisory capacity .... <P/>XX/XX/XXXX -- I receive yet another advertising piece ( two in fact ) offering a CD, and again no mention of the absurd minimum to be maintained to avoid monthly charges.
A curt email was also sent to the CEO and the two local officials about the new marketing post cards .... <P/>THIS IS SIMPLY A BAIT AND SWITCH situation wherein the public is the victim
Consumer complaint received 2019-10-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

I'm a XXXX veteran and I have recently had my rating increase to XXXX % As per the state of Illinois any rating higher than XXXX  % is tax exempt and I'm now text exempt. After numerous contacts with freedom mortgage, I believe I was intentionally misled as to when it would be applied. My lawyer 's office was previously informed that in XXXX freedom mortgage would conduct an escrow analysis and make any necessary adjustments and apply my exemption. I have provided VA award letter to the county assessor 's office with the necessary documents and in return I have received a letter from my assessor 's office stating that I'm now tax exempt. I have forwarded the text exemption letter from my local assessor 's office along with my VA XXXX rating award letter as my previous tax bill and that shows the amount of SSA I would be liable for. if I were not misled as to the application of my tax exemption I would have never refinance with this company and went with another lender. I'm now being told that I have to wait a year to receive my tax bill that states that I'm text exempt shows XXXX dollars due. Which the letter I have clearly states that I'm text exempt and none will be due. Veterans and XXXX veterans beware, freedom mortgage policies and guidelines directly Enforce the holding of monies from veterans when it is clearly not necessary.
Consumer complaint received 2018-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been 3 weeks.

The credit bureaus are telling me to contact Capital ONe, Capital ONe is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with XXXX  showed that on XX/XX/2018 Capital ONe did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
Capital One has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I requested the copy of the original note I had with Navient. Navient is providing incorrect information to XXXX XXXX XXXX and refinancing amounts that it is impossible I owe. Navient refuses to provide a copy of the note, amounts owed, how it was calculated and the amortization schedules I requested via certified mail. Instead, they send me letters to swear that I do n't have a loan. I do n't understand why Navient ca n't provide this information to me but they easily provide a document to XXXX XXXX XXXX swearing a certain amount is owed but they can not provide the supporting documentation to me. Now XXXX XXXX XXXX is overcharging me due to Navient 's incorrect information and refuses to correct its documents and provide the documents to me so that I can correct their error. This is causing me to owe thousands of dollars I am positive I do n't owe. I am a XXXX for XXXX XXXX for over ten years and this is taking money away from my own children. Please let me know what Navient discovers and/or provides regarding my note, interest owed, calculations, etc. Thank you.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please be advised that as of today, I have not received any response from your organization regarding my disputes with XXXX XXXX XXXX, Acct. # XXXX. This account is still being reported inaccurately. 

Numerous XXXX up letters were sent and still went unanswered. 

Transunion is in violation of the FCRA.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MA)

I have a Discover credit card, ending in XXXX, that is presently under a reduced interest repayment plan. The plan has been in effect since XX/XX/2021, and the company has in the last 30 days reported me as being late for payments, while under the protection of the repayment plan that goes for 12 months. The company has refused to remove the late reporting with all trade lines and as a result has adversely affect my ability to maintain good credit, or obtain new lines of credit. This action is a clear violation of the Fair and accurate credit reporting laws, and is viewed as Unfair Deceptive Acts and Practices. I am Demanding the reporting of being late, while under a repayment agreement, be removed from all trade lines immediately.
Consumer complaint received 2017-07-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc (NC)

My family and I are being harassed by Harley Davidson Credit for another persons debt. This has been going on for almost a year. They show up at my house day and night. I have called the company to explain to them this person does not live here serves times but they refuse to leave us alone. Now they are calling members of the family in other states but I am the one who is harassed constantly.
Consumer complaint received 2021-04-21
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. (CA)

I'VE BEEN DEALING WITH THESE ACCOUNTS THAT I DID NOT AUTHORIZE FOR SEVERAL MONTHS NOW AND THE CREDIT BUREAUS ARE STILL REPORTING THEM ON MY CREDIT REPORT.