davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2020 XXXX - {$490.00}. 
XXXX XXXX - {$2400.00} both unauthorized transactions taken from my checking acct. 

Contacted fraud division of Bank of America and filed a complaint. They researched said transactions were authorized closed investigation
Consumer complaint received 2024-03-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened my business Checking account with CapitalOne Bank on XX/XX/2024. I used it frequently making many large deposits. On XXXX. XXXX, XXXX, I deposited an escrow check from my lawyer and the next day, I went through 2 phone transfers until the final person called my lawyer to verify the check & release the hold. I made online payments. Later when I tried to transfer funds, it wouldn't allow it so I called CapitalOne again. This time I had to go through 3 phone transfers until I finally was informed that there were documents missing and my account would be suspended until a case worker could reach out to me in 1-3 days. I asked for an immediate resolution since I has payments that were coming in. She said she had no way of doing anything so I asked to speak to a manager. Her name is XXXX # XXXX, & she said it was 1-3 days even though it was the bank 's mistake that they didn't get the necessary documents before I opened the account & I shouldn't be penalized for their mistake including fees & negative reports to my credit score because of late or returned payments due to the bank 's incompetence. It fell on deaf ears. 

I called again today and at least this time, this manager said he would request that it be expedited which means XXXX lied.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have been disputing this auto loan on my report since XX/XX/2021 which is well over 30 days. As you can see from the screenshot provided each of the three bureaus are reporting that the information was disputed and consumer disagrees which means they claimed it was valid right? Well why in the XXXX are all three bureaus reporting different information from the other? If ALL have actually done the due diligence and reviewed the account information and also double checked it with my alleged contact from the lender then the information, account status, high balance and credit, last payment date, etc wouldnt differ. 
Im no fool. Ive read the FCRA laws and I knew when I sent my notarized certified letters not once or twice but now three months in a row I knew yall were using an automated e Oscar system to validate these items and from here on out I decline yall using that when dealing with me. Yall have violated my rights long enough that Im filing an official lawsuit again all three if this is not removed within the next 15 days. You do not get another 30-60 to verify as you claimed you already did that three times already. Cut the bull and delete all of this inaccurate information.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

In XXXX XXXX, my wife XXXX XXXX. At the time of her XXXX, I satisfied my mortgage loan of {$120000.00} with XXXX XXXX XXXX ( see attached payoff statement ). At the time I was preoccupied with the XXXX, XXXX XXXX, etc. It was not until a few months ago that I rediscovered the life insurance policy that my wife and I had with XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX ( XXXX ) ( see attached " Approved '' letter from XXXX XXXX ). 

I contacted ( XXXX ) approx. XX/XX/XXXX regarding the policy. They had confirmed that the monthly premium of {$58.00} was being paid by GMAC out go escrow through my mortgage payment ( see attached policy cover letter ). They then informed me that GMAC had stopped making Payments XX/XX/XXXX. After questioning XXXX/XXXX as to why GMAC would stop making payments, I was told that GMAC could have changed insurance companies. 

After making attempts to call GMAC I have discovered they are no longer in the mortgage business ...
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (CA)

Hello so I am being charged for a XXXX bill for phones I bought around XXXX for {$460.00}. I asked for XXXX to close the account and I believe they did they closed everything. I do not owe or have to pay anything as the account was closed and I keep getting harassed by the debt collector.I have no job due to Covid-19. I am barely able to pay for my bills as it is.
Consumer complaint received 2018-01-04
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

i have a collection account opened XXXX XXXX, 2017, Amount XXXX i recently have gone through financial hardship. I have explained to them my situation, i have very little experience with collection.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

I ordered an XXXX XXXX on XX/XX/XXXX for {$350.00} from XXXX selecting my Citi XXXX XXXX  month 0 APR Flex Plan from the XXXX XXXX. Ive used this method before for other purchases and there was never any problem. At the time of purchase I had XXXX ongoing plans and their limit is XXXX plans, and I had enough credit limit available. So I was definitely eligible for the new plan. Even now, on XXXX it shows that my plan was applied properly. I recently got my card statement and looks like Citi didnt make the plan for it like they usually do automatically for such purchases. I contacted their customer support and they said they can not apply the plan but I can create a new plan myself from their app. If I try to make another plan for that purchase amount in the Citi app, they add a whole lot of fees. Not the XXXX XXXX XXXX  months I was promised at all. I also reached out to XXXX and they assured that the plan was applied on their end and it was Citi that did not activate the plan on their end. This incident has caused great inconvenience for my monthly budget as I did not expect having to pay this on full right now or pay those unexpected fees if I dont pay that balance in full. Anyway, I still paid it on full to avoid incurring interest from carrying a balance, but I am not at all happy with how I got treated by Citi in this regard. Im never trusting or using their plans again.
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Tried to pay a bill and it kept getting declined long story short my account is under review with Citibank and now they cant service me At all even at a branch. They told me I cant take money out of my saving and checking account. I have bills to pay my daughter to feed tomorrow is Friday her grocery is due tomorrow her tuition and I have no money to pay because my last penny is in that account. Customer service couldnt help me they keep saying 24-48 hours and nothing they literally have my life on their hands and its horrible I need to continue with my life I need to feed my daughter
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Our home was destroyed by a tornado on XX/XX/XXXX. It was uninhabitable. I went into a forbearance plan for the months of XXXX through XX/XX/XXXX. The loan was sold to a different company in XXXX. Under the forbearance plan, I was not required to make payments and this would not affect my credit. I was incorrectly reported to the credit bureaus in XX/XX/XXXX for non-payment. I notified XXXX of their mistake. They investigated and provided a letter admitting their mistake and stating they will correct it with the credit bureaus. The letter was dated XX/XX/XXXX. I was not made aware of this letter until XX/XX/XXXX. The credit bureau Equifax was NEVER notified or corrected and it is STILL reported incorrectly as of XX/XX/XXXX. I have notified XXXX multiple times but keep being told " it is under investigation '' and nothing more can be done for 30 days. This is preventing me from being able to buy a new home for my family. I have unfortunately already put an offer on a home and it was accepted. I will not be able to secure the new mortgage due to this continued error and will lose all of the money I have spent on inspections and appraisals. The seller is only extending the offer for 5 more days. I have had multiple phone calls and emails to XXXX that have not made a difference. The worst part isn't that we lost our home and everything to the tornado ; it's that I did everything I was supposed to on my end to properly go into a forbearance plan and keep the mortgage company up to date. But here I am, just trying to buy a new home for my XXXX children but unable to because of XXXX 's incorrect reporting and refusal to fix their error.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (UT)

Received letter on XX/XX/2018 by XXXX XXXX XXXX in response to a letter that I sent them asking them to validate the debt. The company refused to validate the debt stating that my dispute was prepared by someone other than my behalf. It was a notarized letter I had sent to them. They are in violation of the Fair Debt Collections Act for refusing to validate the debt. 

Please also be aware " XXXX XXXX XXXX '' aka " XXXX XXXX XXXX XXXX '' is not authorized to collect the debt within the state of Utah. They are not registered in the state of Utah.
Consumer complaint received 2019-05-15
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 contacted Equifax on Several occasions in reference to some unauthorized inquires on my credit report from XXXX XXXX XXXX XXXX. I was told by different Reps that the inquires would be disputed, in a matter of days the results would come back as being factual. I contacted XXXX XXXX XXXX XXXX and their reps stated they did not receive anything from Equifax. I was also told by a rep to get a letter from XXXX XXXX XXXX XXXX stating that the inquires was unauthorized and send it to them and they will remove the inquires. I faxed over the letter to Equifax and called them to see if they received the letter. The Rep that I spoke to his name was XXXX, told me that now I have to contact XXXX  again and tell them they need to contact their business office. The rep I spoke with at XXXX told me they don't contact Equifax and that the letter should be enough. 
I'm just trying to get my credit report correct, I gave Equifax the information they requested and now they are giving me the run around. All I want is my credit report to reflect how it is suppose to be.
Consumer complaint received 2021-02-27
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: EQUIFAX, INC. (PA)

On XX/XX/21 I sent a letter regarding inaccurate and misleading items on my credit report. As of today, over thirty days later, I have not gotten a response regarding the items I have disputed. In accordance with the Fair Credit Reporting Act Section 611 A ( 15 U.S.C. 1681I ) it clearly states a failure to investigate these items within thirty days gives a reason to immediately remove these items from my credit report. I demand these items be removed promptly in accordance with the law. My information was also impacted by the Equifax data breach.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (TX)

I called in beginning of XXXX and I did a balance transfer in the amount of XXXX to XXXX card services and it went through and approved and got a letter in the mail on XX/XX/XXXX and saying the balance Transfer is processed and it had a wrong zip code on that letter and I was told that I wont be able to resubmit a balance transfer for 30 days and I was have trouble paying my bills this month due to the error on the bank end and the bank dont want to apologize or cancel the balance transfer
Consumer complaint received 2021-01-24
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. (FL)

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor : XXXX XXXX XXXX  XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice XXXX
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (MI)

XXXX states {$2400.00} is owed for debt. Spring Oak Capital states {$2400.00} is owed for same debt. If XXXX holds debt rights they have sold data to a 3rd party without the consent of consumer and debt should be removed as it has left a derogatory mark. If XXXX has sold the debt to Spring Oak Capital they are trying to collect double on a debt while reporting both as derogatory. Both cases are major irregularities in data and should be resolved
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX, and XXXX are still reporting my auto loan with XXXX XXXX account number XXXX as open even though i paid in full on XX/XX/21 its already been almost 30 days and there still reporting this account as open it needs to be removed immediately from my credit file since I paid in full satisfactory
Consumer complaint received 2019-11-08
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: VW Credit, Inc (AZ)

Hard enquiry from Unknown resources on XXXX 1. Institution Information XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX 2. Institution Information XXXX XXXX, CA XXXX ( XXXX ) XXXX 3. Institution Information XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 4. Institution Information Vw Credit XXXX, IL XXXX ( XXXX ) XXXX Hard enquiry from Unknown resources on XXXX  1. XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDMAN SACHS BANK USA (AR)

XXXX  IS SUPRESSING OUR CREDIT FILES, AND AS A RESULT CAN NOT GET A LOAN FROM MACUS. DEMAND XXXX  TO STOP INTERFERING WITH THE FINANCIAL CREDIT APPARATUS DESINED SPECIALLY FOR THE CONSUMER AND THE CREDITOR. SEE ATTACHED.
Consumer complaint received 2019-11-08
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. (NJ)

Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/2014 Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$2600.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

The following hard Inquiries on my credit report Im unaware of ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2021-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I made a transfer of funds in the XXXX cryptocurrency ( XXXX ) from a binance account to my coinbase account, but the transaction did not appear and the money is missing. Below is the transaction on the XXXX XXXX : XXXX XXXX XXXX I wrote to coinbase support a short while after the transaction was validated, but did not receive an answer after two weeks of waiting. Following are the support tickets I submitted XXXX and XXXX After making the transfer I noticed that the wallet address for transfers changes every time I pick a currency, so I suspect coinbase just steals all the crypto deposits. 
My account is under the address XXXX XXXX
Consumer complaint received 2021-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

XXXX XXXX  XXXX  placed someone elses debt on my credit report and they stated it was from 2008. I have no idea who these people are and was never a client of theirs. I never had XXXX  or whatever it is reporting. 

Capital One ignored a dispute claim I filed on the card they are reporting and never investigated. It was multiple charges on the card thats were fraud.
Consumer complaint received 2024-03-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Klarna AB (CA)

They've made it extremely difficult to make payments and repay the loan. Almost every other company I've worked with and obtained loans from, I can make multiple payments to pay towards my loan. However, this company limits your amount to only the monthly amount. Then at around XXXX XXXX  or so it will combine this month 's past due with upcoming due and it won't allow you to pay any other amount. When you do make a payment it won't allow you to make another payment for a couple of days. It seems to make it as difficult as possible to repay. I understand we should be making the minimum monthly payment ; however, with things as they are, they make budgeting extremely difficult. Because they don't allow payments to be made at different amounts I can't prepay small amounts to meet the minimum amount and by the time I've saved enough they combine next month and I can't make a payment until the new doubled amount. So they double the payment. How will I ever pay it off if they continue to do that. I think that's predatory behavior.
Consumer complaint received 2024-03-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

I paid off my unsettled debt with XXXX over the phone several years ago!! Now this collection company comes out of nowhere submitting a collection on my XXXX credit file for {$2000.00}!!! No notification/ explanation/ proof of nothing!! I sent a certified letter to them earlier this month to no avail!! No working phone # and or email!!! This should be criminal the way some super-substandard so-called collection companies operate!!! 

Please have them delete this unfounded entry from my credit bureaus immediately!!!
Consumer complaint received 2020-07-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Collection Services, Inc. (CO)

I owed a debt with XXXX of approximately {$900.00} for services provided in XX/XX/XXXX. 
In the end of XXXX I received the first statement dated XX/XX/XXXX. 
On XX/XX/XXXX I contacted XXXX and put this debt on a payment plan of 12 payments of {$78.00}. This amount was debited on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of {$310.00}. 
On XX/XX/XXXX I received a notice from the company XXXX XXXX stating that this account was overdue and it was sent to collections. 
On XX/XX/XXXX I called XXXX ' billing department, spoke with XXXX XXXX ( supervisor 's name is XXXX XXXX ). XXXX was able to verify that I setup a payment plan via phone on XX/XX/XXXX and informed me that due to a XXXX ' internal accounting mistake this debt was sent to collections even though I was making the payments on time, per the agreed upon payment plan. 
I believe that this was done in bad faith, and that XXXX sent my debt to collections with the intent to intimidate me, giving me no option but pay the debt in full, even though we had agreed on a 12 month payment plan. 
I felt threatened and afraid that this debt would be reported to the credit reporting bureaus and therefore paid the remaining debt in full on XX/XX/XXXX.