davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Continental Finance Company, LLC (OR)

I received a voicemail from a private number XXXX/XXXX/16 at XXXX. 
She identified herself as XXXX XXXX and stated that she had some certified documents for me that were going to be delivered this Wednesday XXXX/XXXX/2016 between the hours of XXXX and XXXX to my residence. She left me a phone number of XXXX and gave me a claim number of XXXX and said I could contact them if I needed a change in time of delivery or had any questions. 
I called the number and gave the gentleman that answered the claim number he said that he would get the paperwork from the attorneys and he refused to release the name of his company but told me this was due to a Verve mastercard I had obtained from Continental Finance quite some time ago. He said that he did n't know how or why it would make it this far but I could pay him {$630.00} and it would be over, or else I would be delivered the papers on Wednesday. I said that I would take the papers and have been considering a bankruptcy case. He asked for the lawyer that I had seen and I told him, he then asked for the phone number and I went to get the number and he hung up on me. 
I then called the XXXX County District Courthouse and asked if any lawsuit had been filed against me, ( which would be why I was having certified documents delivered to myself ) and the nice lady there informed me that no, nothing has been filed against me. 
I believe that this is an illegal debt recovery practice and this scam company should be contacted and held accountable for its actions.
Consumer complaint received 2015-10-13
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I have had possession of an American Express gift card which was fraudulently used to make a purchase. Amex treats these cards as cash so basically they were only willing to say " sorry '' and give me the name of the company that processed the transaction. The company, of course, is completely unresponsive. There is no consumer protection for these gift cards and now I have lost that money fraudulently. If the card were truly similar to cash I would have never lost it because it remains in my pocket. There must be a better way for Amex to protect these cards.
Consumer complaint received 2022-09-06
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-14
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I bough a XXXX bedroom apartment and got a Mortgage from Wells Fargo in 2009 XXXX is tha name of the company My address is XXXX XXXXXXXX XXXX XXXX Case number is XXXX I receive a banks letter saying that I cant leave more than XXXX months out of the city and I cant go visit my sons that I have in Pennsylvania I would like to make a complaint
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXl 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 XXXX XXXX XXXX XXXX XXXX. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than XXXX years XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-26
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. (FL)

I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. 


Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX ACCT # XXXX {$650.00} Date : XX/XX/XXXX Creditor : LVNVFUNDG ACCT # XXXX {$500.00}
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I sent out a a request for an investigation for my credit report to Equifax, XXXX, and XXXX. They are not complying with regulations based on my request for an investigation. I have not received any type of investigation results.
Consumer complaint received 2022-02-14
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have made sure to make my payments on time for CAPITAL ONE with the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the report. 
CAPITAL ONE XXXX Balance : {$0.00}
Consumer complaint received 2017-07-19
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. (GA)

I submitted a dispute with court documentation about a collection agency on my report called XXXX XXXX XXXX over 30 days ago, and I have not received a response from all 3 credit bureau 's.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

In XXXX of XXXX, I filed an online dispute with Experian regarding my XXXX XXXX account. I received their reply in XXXX XXXX. In accordance with their recommendation, I contacted XXXX ( the original creditor ) with a request that they investigate their records and inform me the items on my account that they were reporting. I received XXXX reply in XXXX of XXXX. XXXX stated these were the items from my account that they were reporting : Settlement payment received on XXXX XXXX, XXXX ; account is closed ; account was paid in full for less than full balance ; account reflects a XXXX balance. Experian, even after receiving a copy of this letter from XXXX in XXXX of XXXX, is still reporting items from my account that are not included in the list of items that XXXX verified they were reporting. The non-verifiable items that Experian is still reporting are : a " High Balance '' of " {$7700.00} '' ; a " Credit Limit '' of " {$7100.00} '' ; " Terms '' of " 1 Months '' ; a " Recent Balance '' of " Not reported '' ( should be " XXXX '' ) ; and a " Status '' of " Paid in settlement '' ( should be " Closed '' ). Experian is required by law to report 100 % complete, accurate, and verifiable information on my account, and by reporting these items that XXXX states they are NOT reporting, then Experian is in violation of the law. Please correct these items immediately on my report.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (GA)

I disputed a fraudulent charge of {$55.00} from a merchant called XXXX XXXX XXXX. PNC allegedly conducted an investigation and stated the charge on my debit card was authorized. I would like PNC, the bank that I have deposited my money in for over 5 years, to explain the steps they took in this investigation. I want to know why they are ignoring my dispute and honoring a fraudulent charge.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

CFPB : Reaching out because I noticed on my credit report that XXXX XXXX is reporting a 30 day late payment when that never occurred. The account number in dispute is XXXX. My name is XXXX XXXX and my social is XXXX. Can you please look into having this removed from my report. 

Thank you,
Consumer complaint received 2022-09-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MI)

I'm a XXXX XXXX  XXXX from XXXX  and I had a mortgage through flagstar bank and my payments where taken out of my check every 2 weeks and deposited into a flagstar account wich was always locked I could not touch the account. From XXXX to XXXX I made my payments then I started getting letters saying my payments was not made and I was behind but my money was being put into the flagstar savings account that they only could take money out of. Well I got so far behind and hit with late fees that I was like 20 grand behind but my account had the money in it well come to find out they sold my mortgage and didn't tell me. They wouldn't work with me to get the house back they wanted all the money. So I lost the house. They sold it for what I owed and they still are saying I owe them the money I was late on. They are the cause of me living on the streets my credit score is awful and can't get no lines of credit I filled XXXX XXXX XXXX and now I live with family with no car and I have kids. Can you please help me I feel I was victim to fraud and also victim to predatory lending and it has had a huge negative impact on my life and mental well being. 
Thanks for your time
Consumer complaint received 2017-02-08
Product: Virtual currency — Domestic (US) money transfer
Issue: Other service issues — 
Company: Coinbase, Inc. (VA)

Two weeks ago my accounts with Coinbase were locked for some unknown reason. Since then I have attempted to reset my password to access my account and have been unable to do so because Coinbase does not recognize my IP address and after contacting their customer support I have received no response except for an initial email telling me to reset my password, which I can not do as stated above. Coinbase now has blocked my accounts and stopped communicating with me. They are holding approximately $ 16K of my money in Bitcoins.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (SC)

On XX/XX/XXXX someone posing as a representative of chime XXXX XXXX XXXX  ) led me to believe that they were assisting me of stopping a payment on my account however they accessed my account and did a mobile transfer of funds to themselves completely draining my account. When I disputed this transaction with chime they denied me bc no error was found however my debit card is still in my possession but my money is gone to a XXXX whom XXXX have no affiliation with or have never heard of until yesterday this scammer has multiple handles on the chime platform which leads me to believe that they perform fraud quite often but was not taken into consideration on Chimes part which ultimately resulted in the denial. This claim was not thoroughly investigated as they claimed so no I am out of my paycheck and no way to care for my son
Consumer complaint received 2022-09-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with ( XXXX XXXX XXXX ), all have violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2016-09-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Hunt & Henriques (CA)

I have been making installment payments on a charged off credit card for several years to a company called Hunt and Henriquez. I have requested several times to get original information about the debt which was XXXX XXXX, and I have also requested a break down of the original debt vs payments made, etc., and finally I have made several attempts to settle the balance and the company is uncooperative and does not give me any proof of balance or credits. My bank statements show the payments, but it seems like I have paid over the original card balance by this point. they also do not return phone calls. their representative XXXX only discusses my file if I call there and get ahold of her, she never calls me back. Which I have phone records to prove that.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

I am writing this letter to inform Experian to remove all information pertaining to XXXX account # 's XXXX, XXXX, and XXXX. I would also like to have this company blocked from ever being able to report any information about me in the future. Although XXXX agreed to delete account # XXXX on XXXX XXXX, XXXX ( letter enclosed ), XXXX simply created another account number ( XXXX ) by rearranging the previous account numbers, and used my social security number to open another account with them on XXXX/XXXX/XXXX. XXXX alleges that I used a car for collateral to open this personal loan account on XXXX/XXXX/XXXX ( collateral letter that was notarized, is enclosed ). This information is completely false and illegal and should not appear on my credit report. I have been disputing XXXX since XXXX with Experian. For some reason my dispute letters were ignore and unnoticed. I constantly asked for verification of the account ( disputes information that was sent certified mail with return receipt or uploaded for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX are enclosed. ) XXXX did not verify the account with me, after the dispute on XXXX/XXXX/XXXX, until XXXX/XXXX/XXXX! Even though the information that I requested was not received from XXXX, nor did Experian provide me with any information that they recovered. Experian continued to report that the information XXXX are reporting is accurate. Because of this negative information, I have been denied credit and have had high interest rates. It was my understanding that the company and Credit Bureaus had 30 days to verify the account information with the customer. I feel that my rights as a consumer have been violated with XXXX and Experian. At this point I have enclosed all letters indicating that no accounts should be reporting to Experian at all. I ask that Experian do not allow XXXX to report anything on my Experian report due to illegal credit reporting activity and to block XXXX from any reporting activity on my Experian report. This information has been sent to XXXX and Consumer Financial Protection Bureau. 
Please do not continue to allow XXXX to damage my credit with false and illegal activity.
Consumer complaint received 2015-04-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION (CA)

A few years ago I had loss my job and I was unable to pay my loan. Navy Federal allowed me to defer XXXX payments, but did not disclose that by deferring the payment changed the terms of the loan making it a balloon payment at the end. I also did not get any disclosures about the per diem charges on late payments on top of the late fee. This is predatory lending by them failing to disclose the information in a timely matter ( before I decided to get the loan with them or defer the payment )
Consumer complaint received 2017-05-22
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: DISCOVER BANK (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX, XXXX, XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all XXXX credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IL)

PNC Bank has implemented a system that processes debits before credits. This results in potential temporary overdrafts during nightly processing so that PNC can charge an overdraft fee. The daily balance is never negative in this instance. See attached bank register.
Consumer complaint received 2022-09-05
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. (NC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2016-06-08
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/16 I purchased a car from XXXX. It was a cash deal. With a purchase price of {$40000.00}, I gave them {$21000.00} in cash and wrote a check for {$19000.00} to complete the transaction. They ran my credit and had me fill out a credit application but stated it would not be processed unless for some reason my account had insufficient funds and the check did not clear. On that date I had over {$130000.00} in Bank of America. I drove the vehicle home. XXXX XXXX I got a letter from Bank of America stating that they had received a loan request through XXXX and that my loan had been disapproved due to information from XXXX even though my credit score was XXXX. I called the banks XXXX number and asked them how I could be turned down for a loan I had not asked for in the first place. They said XXXX submitted the loan application. So, I asked them even if XXXX submitted it, I had over {$130000.00} in Bank of America and they cashed my check. So, XXXX I did not need a loan and secondly if I had requested one - how could they deny me a loan of {$20000.00}. The person on the phone just gave me a generic answer stating that is the way they do things. I called XXXX again and after a few days the finance manager and I made contact. She stated that they did not submit the paperwork for processing, but only submitted it as back up in case my check did not clear ( which of course it did clear ) .I went into Bank of America in person and they could not help me. They said somebody would call me. About a week later I got a call from B of A in another State but when I returned the call they had closed at XXXX Central time. Just a few days ago I got another letter from Bank of America dated XXXX XXXX, 2016 again stating that my loan had been declined. Even as of today 's date, I still have over {$110000.00} in Bank of America. I happen to have almost double that amount in other banks and happen to own XXXX houses free and clear. I have XXXX loan on my existing house but I do not see how any of that is even relevant when I paid cash for the vehicle and of course had enough in Bank of America that given day to buy XXXX vehicles in cash. Both parties have denied any wrong doing in this but it is obvious that one if not two are clearly in the wrong here. My relationship with Bank of America after over 30 years has been damaged and I plan to withdraw my funds from that institution. I would like to ask for monetary damages and compensation for this quagmire. Bank of America claims that I am a preferred customer. I wonder how a non preferred customer is treated..Ironically, I have a {$20000.00} credit limit on my Bank of America credit card . That was the amount of the loan they turned me down for that I did not apply for ...