davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-16
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 contacted XXXX, Experian, and XXXX concerning some medical bills and a XXXX account reporting as collections on my credit report. I notified each credit bureau that these items do not belong to me and are reporting on my credit file in error. I received notification from the credit bureaus that these items were verified and that they are to remain on my credit. I responded to their findings with a request to provide me a copy of the individuals, date, time, and address to the person/s that verified this information because if indeed the did a proper investigation, they would not have verified that these items belong to me. After my 3rd contact, they have ceased responding and the issue of 3 items reporting on my credit in error remains. The Fair Credit Reporting Act gives me protection that I will have an accurate and fair credit file and XXXX, Experian, and XXXX are in violation of my rights under this law.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (MI)

For over XXXX XXXX XXXX XXXX years I have been in a fight with Discover Card over over charges, money transfered ut on my cards to atheir fake accounts. When I called them it was always computer error or Hackers! And now I owe OVER {$40000.00} to XXXX, XXXX and XXXX XXXX and I do not know how many other cards that Discover set up using my name, Address, SS # phone # for money that Discover took from them in my Name! 
And now they are taking me to court because I refused to pay for their computer errors and hackers! 

This XXXX started after I put in a claim for payment protection plan due to me being coming a XXXX  Veteran in XXXX of XXXX! The NY XXXX XXXX in XXXX of XXXX ruled that Discover to stop charging ALL their card holders for the Payment Protection plan and to stop setting up fake accounts that they are still doing!
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I began a XXXX transfer of XXXX on XXXX XXXX. The account the money was sent from had processed the order by XXXX XXXX. 

Despite this my money has still not arrived in the XXXX/Coinbase account that it was sent to. 

I 've sent messages to them asking them to resolve the situation from the XXXX of XXXX but have received mostly automated messages. The one message that did not seem automated was one stating that a " at this time we have escalated your case to a specialist. '' That was on XXXX XXXX. I have not heard anything in response since despite sending multiple messages via email & XXXX.
Consumer complaint received 2019-10-20
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. (IN)

I have made several attempts to remove a fraudulent account from XXXX XXXX XXXX that was placed on my Equifax report. As a result I have filed a idenity theft report with the XXXX XXXX XXXX XXXX XXXX. Please see the attached documents.
Consumer complaint received 2018-01-16
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: CORELOGIC INC (NY)

There are inquires being reported on my credit report that i dont know where they came from my personal information was stolen and i had all my bank information changed. I have never inquired about any of the inquires being reported.
Consumer complaint received 2018-01-10
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)

This account is being reported as a charge-off stating I never paid the balance. I paid this balance in full to the original creditor. I paid this account in full back in 2012. I have tried to dispute this with the credit bureau however they keep reporting this incorrectly.
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

I woke up one morning and found that my PayPal account have been permanently limited for 180 days. I tried contacting them about the issue which till now they have not resolved am stuck because I can not do business because all my transactions are done online to the PayPal account
Consumer complaint received 2017-12-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: SpeedyCash, Inc. (GA)

On XXXX XXXX, XXXX, my vehicle was repossessed by XXXX XXXX XXXX Speedy Cash. I was informed that on XX/XX/XXXX that it was sold but I have not received anything from them except when the vehicle was repossessed and on the XX/XX/XXXX when I spoke with someone at their office to find out what the cost would be. The original amount that I borrowed on approximately XX/XX/XXXX was {$170.00} and on approximately XX/XX/XXXX the remaining balance was {$150.00}. On XX/XX/XXXX, the cost was {$310.00} to pay off the debt. I still have n't been contacted by this company about anything, and I have been unable to get the rest of my personal property and tags and registration from them. I was under the impression that according to Georgia law that I should have been notified by certified, return receipt requested that it was too be repossessed and sold. At the time I got the loan, I did n't get a copy of the paperwork. I feel like I have been deceived by their practices.
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never HAD AN ACCOUNT, ATTEMPTED TO OPEN AN ACCOUNT, DID BUSINESS WITH, OR TOOK OUTN A LOAN with this company. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I spoke with multiple representatives including a manager. No one was able to find my account. I attempted to explain it is on my XXXX. The manager asked me to dispute the account through the collection agency. I tried and they stated it was the original creditor that had to receive the dispute. I have tried multiple times to dispute. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XX/XX/XXXX, and XX/XX/XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no records in my name housed by their company, previous company, or collection agency. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.
Consumer complaint received 2022-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

in accordance with the fair act credit reporting act XXXX account # XXXX, has violated my rights. 

15 use 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX my club was hosting charity giveaway to Women with children that were having financial hardships. XXXX XXXX sent me {$2500.00} to my XXXX XXXX that in turn went into my Bank of America account ending in XXXX. I started sending the cash payments to the women ranging from $ XXXX {$1000.00}. After the first 5 successful payments sent, my card was declined from Bank of America. I called into the bank and spoke with the fraud department and risk management informing them, that I was the one using my debit card ending in XXXX and it was not fraud, each time I called ( 9 times ) confirming that it was me and verifying the payments I had already sent, Bank of America froze my account. When I called in the next day, they informed me that my bank account was being closed, this was on XX/XX/XXXX. The fraud department could not give me an explanation and would not give me the funds. I called on XX/XX/XXXX and I was informed by the representative that there was confirmed fraud that I was aware of with the {$2500.00} that was sent by XXXX XXXX, I in turned conferenced in XXXX XXXX and the Representative changed his veribage and stated that it was still being investigated, which was not what the Representative told me, the call was recorded. On XX/XX/XXXX XXXX deposits from my employer XXXX XXXX  of {$5100.00} and {$7100.00}, Bank of America will not allow me to receive my payments from my employer. I'm type XXXX XXXX and XXXX, i take medications daily to live. I informed the bank of this and also informed the bank that all of my bills are do. They will not release my money. They are deciding to end the relationship, that is fine. But they have not right to keep me from paying for my medications or paying my bills making me late on my Mortgage and others bills. I feel because I'm XXXX American they treating me unfairly and are discriminating against me and trying to destroy my good name. Please have the release my funds to me ASAP. I can not wait until XX/XX/XXXX.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: WELLS FARGO & COMPANY (SC)

I have a Wells Fargo credit card that I paid off. Before I did, I had zero issue paying the balance or paying on time. I XXXX out their card in the process of buying a house. 

A subscription service that I tried canceling 7 times, that kept charging the card without my knowledge. The second I realized, I paid the amount ( around {$10.00} ), but it was already past due. I tried explaining that this was unauthorized use of the card. I also explained that due to the nature of us closing on a house within 30 days, this is an urgent matter, since it was reported as a late payment. They will not remove the mark regardless of the fact that it was unauthorized, and at one point, a rep told me once you use the card once with the merchant, you gave the permission permanently. This is a load of XXXX, and I know that. 

Ive been trying to get them to remove the late payment for two days ( XX/XX/XXXX-XX/XX/XXXX ), and everyone is kicking me around. They know that this is about to lose me my house, but everyone tells me whoops get over to that department. I dont care about paying the amount, but the part that bothers me is that I am disputing the validity of the charges, I have been a good and upstanding customer for years, Ive never had an issue in the past, and they refuse to just tell me how I can contact the right people. They literally told me that they dont know how to contact their credit bureau, who it is, contact info for the credit bureau, or a timeline or if they are trying to remove it. To make it all better, they just kick me around and refuse to give me contact information while I BEG them to just give me a way to contact the right person. 

I also had a rewards balance that MORE than covered the balance on the card, but they didnt use it and they didnt allow me to apply it to the erroneous balance on the card. Seems like if you have money of mine already, you should probably just use it. 

At the end of the day, the charges were fraudulent, and I paid them regardless. Im not asking for money back. Im not asking for them to do anything except undo the damage. I just want to be treated like a human being and have compassion to the gravity of the case. Im buying a house and I cant wait for them to kick me around to 30 more departments over the next 3 months, when its not money I even tried to spend. To make it all better, my wife is XXXX and we are terrified our loan is in jeopardy. Were about to be homeless and Wells Fargo is just saying sit on your hands.
Consumer complaint received 2018-01-16
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. (MN)

I have for a year now being reporting fraud account on my credit report and supplied experian with the police report they requested and they still have not removed the fraud account. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Consumer complaint received 2022-08-10
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/1985 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of Documentary material the original signed consumer contract - any and all accounts you post on a credit report. Pursuant to 15 USC 5561 documentary material includes and IS NOT LIMITED TO, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium.

Your failure to positively verify these accounts has hurt my ability to obtain credit which has cause me duress and stress which is a direct violation of my rights in regards to regulations involving the practice of debt collection. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX Reason : Unverified account
Consumer complaint received 2017-10-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Quantum Leap Mortgage Corporation (OH)

I started a FHA loan thru XXXX in the beginning of XX/XX/XXXX. I was already preapproved they them. But had to change companies because they keep increasing the amount to close with no answers on why. So I took my preappoval to Ohio capital mortgage XX/XX/XXXX with a promise to close XX/XX/XXXX. They have missed that deadline then they promised to close middle of XX/XX/XXXX they missed that closing then they promised a closing first week of XX/XX/XXXX and missed that closing. Then they gave me a new closing date of XX/XX/XXXX and have dragged their feet to make that happen. I am now in jeopardy of losing the house because of all the delays that they and their processors have caused. They lost my tax information and keep delaying closing for no reason. Processor has stated they want to close on Tuesday but yet have not heard about what time or where and when I question my broker at Ohio mortgage he changes his story even after proof of all the emails and promises. No one returns my emails or answers any questions. This has been going on to long and now I am about to lose my dream home and become homeless because I had sold my trailer based on a promise that was made.
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (DC)

On XXXX XXXX, I tried to change my auto payment for the balance of my chase card to a specific payment amount. 

I thought the auto payment would not be completed that month with my one time payment information submitted. 

Both payments went through and I suffered a number of overdraft fees as a result. 

I think chase should make fact that the auto pay feature does not turn off when you make a one time payment more clear on their website, as this turned out a very expensive piece of information for me.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

I have never had an account open with this company. I have told them and disputed this before. I will not just give my money away especially for a debt that I did not consume I have disputed this already and received no help. Please help me in resolving this debt as it is not mine to pay for.
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MO)

I got a XXXX statement from Nelnet with XXXX amount due by the end of the month. I paid that amount due by the end of the month. On my next statement ( XXXX ) it shows my payment made, but it also shows a late fee applied. I do not understand how a late fee was applied when I paid at time. I have called supervisors and emailed them with this concern. I have received emails back explaining how to pay my loans ( Not what I asked for ) and also been told I owe more than what is on my statement. With my emails I have provided proof of statements so they can understand what I am seeing. I have even asked for new statement showing the correct amount if the wrong amount is on what I get. No one has provided any clarification or new statement. Overall, Nelnet is not being fair with my amount of due for loans. I just want to get my student loans paid, but I want to be able to pay them on time and pay correct amount like I have been.
Consumer complaint received 2019-10-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

XX/XX/XXXX 1. Credit Acceptance has NOT sent me my lien release for my old car XXXX XXXX XXXX XXXX since XX/XX/XXXX when Credit Acceptance received final payoff of loan on XX/XX/XXXX of {$6300.00}. 
2. Credit Acceptance has recorded on all of my 3 credit bureaus ( XXXX , XXXX and XXXX my loan as CLOSED. My loan is PAID IN FULL. FCRA violations. Credit Acceptance by law is to contact all 3 credit bureaus mentioned above -- as paid in full-zero balance.

3. Credit Acceptance has NOT recorded the month of XXXX XX/XX/XXXX payment for XXXX full payment on all 3 credit bureaus.

4. Credit Acceptance has NOT sent me my credits on my old loan. {$15.00} ( see attached ).

5. Payoff for my loan was {$6200.00} per right XXXX and on my finance papers. 
6. XXXX XXXX sent Credit Acceptance too much, {$6300.00}. {$110.00} difference due to me. 
7. Credit Acceptance stole my {$1600.00} down payment and added it to the cost of my old vehicle-see attached. Auto Dealer Fraud.
Consumer complaint received 2017-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Inquiries on report that are unknowing. Contacted companies and was referred to contact Transunion. When contacted transunion customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXXXXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (CO)

I paid over what my monthly payment was on XX/XX/XXXX. On XX/XX/XXXX, I received an email from upgrade stating I was past due {$0.00}. I overpaid and paid {$1.00}. On XX/XX/XXXX, I received another email from upgrade stating I am 30 days past.due {$11.00}. I called upgrade on XX/XX/XXXX and a rep states I'm past due {$11.00}. The rep could not explain why or how I owed additional money when I had paid over what i owed for the month. The rep also couldn't explain the discrepancy as to why his system showed {$11.00} and the app I was logged into showed {$11.00}. In addition the screenshot i provided stated the {$11.00} was due XX/XX/XXXX. I do believe upgrade is continuing to use deceptive tactics and are retaliating against me regarding my complaint against them with the CFPB in XX/XX/XXXX. I don't not believe it is legal for a company to change the amount due after you've paid your bill for the cycle which is what they did. I received an email from upgrade on XX/XX/XXXX stating my payments were being increased due to a returned payment or claim that was denied. Neither of which occurred. XXXX is not abiding by the law and they are being extremely dishonest. I am asking the cfpb to further investigate prior to my seeking legal action.