davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

I received {$300.00} from a friend for a face mask on XX/XX/2023 on Venmo. I have been using Venmo for over 4 years and have plenty of large transactions on the app. Right after, I tried to transfer the {$300.00} to my bank account and my debit card ( the fast way ) but both failed. Not until the 5th try with my debit that I received a notification that my account was frozen. I reached out to chat service and they said that I will be reached out to in 5-7 days and WILL BE ABLE TO GAIN ACCESS AFTER GIVING THEM INFORMATION. However, I received a ridiculously curt email stating that As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. NO EXPLANATIONS!! its ridiculous that this happens after Ive been a long time user and conveniently when they could hold {$300.00} ( how is that legal- that is rightfully MY MONEY- my friend will chargeback if must ) to earn interest on it.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

See Attached Formal Letter of Complaint outlining the details of the process and inability for Community Loan Servicing to complete the loan modification program. I have included some of my notes from the multiple calls made to them, as well as all other documents showing I have done all that is required and they fail to complete the process.
Consumer complaint received 2017-12-15
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. (IL)

I was involved in your inquiry issue and they were placed on my credit. I called customer service and they would not take care of the issue. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NM)

Besides it was a used vehicle, after 4 months it started having problems .but i waited until i could n't drive it no more and then i stopped making payments. so right now credit acceptance have a lawsuit against me regarding that loan on the used car and i can't pay that no more. plus the dealer said that if the car break down and i take it to them they don't promise anything. So my hopes were really down to the ground. What kind of car dealership tells that to a customer?? 
So, they took the car away and however credit acceptance still want me to pay for it. 
That's why this company have so many complaints and that's why they have been sued They sent me a notice regarding this case where i should appear in court and i got it on XX/XX/2023
Consumer complaint received 2020-12-02
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: HYUNDAI CAPITAL AMERICA (TN)

I bought a new XXXX XXXX XXXX from XXXX XXXX in XXXX, KS in XX/XX/XXXX. I received a loan from Kia Motors Finance. I then paid the vehicle off in XX/XX/XXXX. I wrote a letter to the company certified mail to : Kia Motors Finance Attn : Release of Title XXXX XXXX XXXX XXXX XXXX, CA XXXX Post Office Article # : XXXX Company receive date : XX/XX/XXXX I went to the Kansas DMV on XX/XX/XXXX and the company still hasn't released my vehicle title. I've been waiting on this title for over a year. My advice to everyone is DO NOT get a loan from this company.
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (PA)

I paid Caine and Weiner for this debt, and at the time I was assured it would be deleted from my credit report. That was six months ago! I wrote Caine Weiner a letter last month demanding the removal of the account, they have not responded, and the account is still being reported. PLEASE HELP ME!
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

I am a victim of identity theft. my credit cards and personal information was used without my permission This creditor is not only reporting fraudulent account but also aware that is account had fraudulent tranactions in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent tranaction and the accounts in dispute. I have never had any goods or services from these tranctions they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. the fraudulent Transactions was {$3100.00} i did not give any permission to charge my credit cards or use my personal for any reason.
Consumer complaint received 2021-04-11
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. (CA)

I XXXX XXXX have reached my limit on waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I am ready to file a complaint with the FTC and XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 plus days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the XXXX you cost me.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

During the first week of XX/XX/2020, I contacted Quicken Loans in order to start a refinancing of my house with a cash out option of {$230000.00}. I provided all information asked of me including personal and business bank statements which show my income. I received the Closing Disclosure form on XX/XX/2020 which including the schedule closing date of XX/XX/2020. The loan processor has since contacted me asking for more information from myself and my CPA due to the fact that somehow I no longer qualify for this refi. 
The contact from Quicken Loans that I have been working with is XXXX XXXX.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank 's fraud department contacted me regarding possible fraudulent transactions on my checking account. I verified that I DID NOT AUTHORIZE any transactions. A report was immediately filed. Wells Fargo immediately closed my account and opened a new account over the phone. According to Wells Fargo, the XXXX transactions totaling {$600.00} ( each were for {$300.00} ) were done via XXXX and sent to someone I don't know. 
A day and a half later, Wells Fargo allowed these same XXXX transactions to post to my account causing the account to be in " overdrawn '' status. The transactions were done through XXXX linked to my account. 
Today I am being told Wells Fargo reached out to XXXX and no fraudulent activity was observed so they were DENYING my claim dispute. I was not aware of any of this UNTIL WELLS FARGO XXXX DEPARTMENT REACHED OUT TO ME!!! 
Now my account is in overdrawn status, Wells Fargo refuses to do anything, and are refusing to close my account due to the overdrawn status! 
They have already allowed this to happen twice. How can I be protected when the account is still open?
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (FL)

Received a phone call from XXXX XXXX XXXX XXXX, stating that they were attempting to collect a debt from Wachovia Bank, now Wells Fargo. The person on the line knew everything about me : my full name, birth date, social security number, current and former addresses, my correct former Wachovia Bank account number, and the full story of exactly what happened over 10 years ago with my Wachovia Bank account. They offered to settle my debt of {$820.00} for a lower amount of {$570.00}. I had no other choice, because I knew I had this debt to Wachovia Bank, now Wells Fargo, and they threatened to report me to several credit bureaus and something called " XXXX XXXX '' that would apparently put a hold on all my bank accounts and cards. I obliged, and payed them the amount of {$570.00}. The individual on the phone identified herself as XXXX XXXX, and gave me a call-back number of XXXX and stated that I would receive a letter of absolvement. It has been over two weeks, and I never received my letter, so I attempted to call the phone number, and it appears to be a bad phone number. Also, the website for XXXX XXXX XXXX XXXX states their address as XXXX XXXX XXXX XXXX  XXXX, XXXX, DE XXXX, which on XXXX street view, doesn't appear to exist. In addition, the company through which I paid was called XXXX XXXX XXXX. Their phone number is XXXX, which also appears to be a bad number, and their address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX is a place where one can rent a single office in a larger office building, so this is also suspect. I believe I was scammed into paying this money fraudulently. Also, I am very concerned with the amount of personal information this individual had. I hope something can come from this. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

Description : We are having an issue with a credit card that was opened with a balance transfer promotion ( 0 % APR for 10 months XXXX. After paying the balance transfer fee of {$240.00}, the balance transferred would have 0 % APR until the promotion end date of XX/XX/XXXX. 

This issue started XX/XX/XXXX. There was an issue with the autopay feature associated with the credit card. For the month of XXXX, an incorrect autopay setting led to payment of the entire balance on the credit card, rather than the intended minimum payment. I of course cancelled that payment as I had only intended to make the minimum monthly payment at a time. 

Since then, interest has accrued on the account despite the supposed 0 % APR. Naturally, customer service was contacted to inquire about this issue. According to a conversation had with a Citi agent on XX/XX/XXXX, the balance transfer offer ended due to the issue with the stopped payment due to autopay. Furthermore, the Citi agent agreed that therefore the original balance transfer fee of {$240.00} would be refunded within 2-3 business days. Meanwhile interest has continued to accrue for the remaining balance on the credit card. 

When that refund was not posted, we contacted Citi again. This time on XX/XX/XXXX, a different agent said that the refund would take 1-2 billing cycles to process. 

We have yet to receive that refund for the initial balance transfer fee ( {$240.00} ) and have again contacted Citi. Based on a chat with a different agent on XX/XX/XXXX, now Citi is refusing to issue the refund. Their reasoning is that the balance transfer was never " cancelled '' and therefore does not indicate a refund.
Consumer complaint received 2018-12-05
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. (TX)

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Experian where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- - XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX   XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2017-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (GA)

On XX/XX/XXXX I received a preapproved mail offer for a $XXXX loan from Big Picture Loans. I didnt agree with the conditions so called to clarify. I asked if I could pay off the loan early ( a week later) to keep from paying the whooping 2000% interest. The CSR told me yes and to call back on Friday XX/XX/XXXX to pay off XXXX. I called back on Friday to pay the loan and was told I couldnt pay the loan until XX/XX/XXXX and to call back at that time. I called back on XX/XX/XXXX and was told it was to late to pay off the loan because a payment had been processed for XXXX. I explained to at least 2 CRS's what I was told and what I was willing to do to prevent having to pay 2000% interest and was told I should have called back before XXXX cst. It was XXXX est when I called.
Consumer complaint received 2021-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

On XX/XX/2021 apparently when this occurred in XXXX, FL where i am not a resident of charged my credit report with a collection to the following company DEBT RECOVERY SOLUTIONS / XXXX XXXX XXXX XXXX XXXX / XXXX, NY XXXX. This in FACT was a ambulance ride for my XXXX y/o father being taken to a XXXX XXXX. I, in FACT, is not and never will be a Veteran in this country because I cant even establish credit on my name because this is the seconded time this happened. I was at work as scheduled on XX/XX/2021, if payroll is not literal fact then what is? I am sure there is a significant level of fraud in XXXX XXXX FIRE AND RESCUE. Now XXXX is saying my dispute is baseless because this information is correct, but when the ambulance went to pick my father up, they had my information and to my brothers knowledge did not correct it when told. Please help me so I don't have to resort to a new normal this Country expects of the discouraged.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: I.C. System, Inc. (TX)

I never received service from this company and now it a debt on my credit report and I want it to stop I get calls from starting XXXX all the way up to XXXX XXXX  Monday- Sunday and several calls a day it is getting out of hand I want it to stop
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (MA)

Hi, I was in a relationship for 15 years with the father of my children. He was a XXXX XXXX. He has died. I never knew that he had ahold of my social security number and he had many different friends that I believe someone may have opened this card in my name. He would steal from me on a regular basis but I never knew how deep it really was. I hadn't wanted to deal with this because there are alot of different scenarios of why. It also brings up lots of emotions. I have XXXX children and am a XXXX XXXX XXXX XXXX who has credit and pays my bills on time.
Consumer complaint received 2021-08-20
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. (MD)

Currently on my TransUnion credit report ( file ) shows that I have one ( 1 ) account as ever being late, and after reviewing my credit report ( file ), nothing reflects that I have any accounts as ever being late. If TransUnion can not identify any account as ever being late, provide a correct reporting to reflect that no accounts are late.
Consumer complaint received 2021-10-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 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 the 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 2021-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (MD)

Identity Theft : Victorias Secret Card not requested Sent to former address Can not contact company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Credit Acceptance went to court in XX/XX/XXXX and won a default judgement against me for a loan that should have been covered by my insurance and GAP insurance. The vehicle was totaled in XX/XX/XXXX. When I had originally signed for the loan, I know I signed for GAP insurance and the vehicle was also sold to me with a recall on it. I had to wait over 2 weeks while the faulty timing chain was replaced. Credit Acceptance is still reporting to the credit agencies it is over 90 days late. They have no email for correspondence. They do not answer the phone when I try to call.
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I have seen this debt on my credit report for XXXX dollars. I mailed in a letter attached below asking for the debt to be validated. All I received was a paper stating the debt is valid and a XXXX papers with my name on it. No signature from me what so ever for 3 phone lines. None of the information I asked for was provided asking me to validate the debt. On the paper they sent me it says 0 minutes 0 texts and 0 data used on this mysterious phone account. Very confused and would like this  removed from my credit report. I know they can not provide the necessary information for this debt to be validated which is already proven in the letter I sent and, the information I received back. Please read letter sent in attachments, please help me get this issue resolved. Very quick to put something on your credit report but when they are wrong its almost impossible to take off.
Consumer complaint received 2017-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MA)

Sent a wire on XXXX XXXX, 2017 to Coinbase for {$20000.00} to deposit into my account with them. The name on the check did not match with the name on the account at Coinbase so they sent an email saying that they were wiring the money back to the bank. I have the email, the wire transaction when it was sent and I have been emailing them every day and trying to call. No one answers the phone and I get a generic email back saying that they are overloaded and will contact me. It has been almost a month and still no response and no money sent back.
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MA)

I tried to delete this account off my credit report because they are old account that are closed account like ( XXXX XXXX ) XXXX XXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX that isnt my account they are doing nothing to help me.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My sister XXXX XXXX added me as a authorized user to her XXXX account. XXXX listed the Florida address on my report but refuses to place the account on my credit bureau which would raise my score. Im shopping for a home loan, and the account would help me. The credit bureaus only list information that hurts me.
Consumer complaint received 2020-12-02
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. (PA)

Delete this account i have attached documents..This account is paid off but still reporting a balance ... this is killing my credit score i have tried multiple times to fix this with you and the original creditor and have had nothing happen. Delete this account from my report immediately ... My next step is taking this to a consumer attorney and the state attorney general.