davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (GA)

First off the loan agent, looks up my family members through social media and contacted them. Also she stated to me she even Googled my boyfriends name, and searched out his police record ( his name is not on the loan. ) She shows up at my home with a police officer and tells me it 's a felony repo for my listed calatorel but the officer never gets out of the vehicle. She agrees for me to come to the office by the next Monday to make a payment and do a hardship form and she leaves. About 20 minutes later she shows back up at my home ( no police this time ) asking me to write a false statement saying that the original loan manager took half the money and made me take out the loan. she told me what to say and even had her boss on speaker phone. When I said no they both got upset and refused to let me do a hardship form and made threats that they would get me and the original loan manager even with out my statement. I asked y she brought the cops the XXXX time n she said it was for repososetion, the XXXX time I asked her y she said because she felt threatened ( even this she 's never met me seen me or spoke to me before ). The XXXX time I asked y the police had came the XXXX time she said it was because she googled by boyfriend and he had a record. So I 'm still not sure as to the real reason the police where here. I made a complaint to her main office and they forwarded it to her boss and he as well tried to get me to make a statement saying could help me out if I gave them the statement so they could go after the original loan manager ( who no longer works at the company ) they r trying to get wrongful statements to incriminate her. As well as threaten me the into helping them or they will press charges as I am behind on my loan. At this time I am an out of work widowed mother with XXXX kids ( XXXXwith XXXX and can not get caught up on this loan ) I feel they r targeting me due to the issues they have with the previous manager ... ..
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (WV)

I paid my Victoria Secret account off in XXXX of 2022. I am trying to buy a home. I was told the account was closed. Was suppose to be sent a letter stating it was closed. I received call last week telling me i had a {$64.00} balance. I was then told it was because they reopened my account because they had to charge a {$2.00} interest fee. AFTER I PAID THE ACCOUNT IN FULL AND IT WAS SUPPOSEDLY CLOSED. I since XXXX, i have had multiple late fees reported to my credit. My score is significantly lower now than it was when i closed the account, all because of this card. I have paid off almost every single penny of debt I have. Except for student loans.
Consumer complaint received 2022-02-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (TN)

It was identified that an unauthorized debit card payment was made using my  Eppicard  in which I receive bi-weekly child support payments. The transaction in the amount of {$140.00} was made on    X/XX/2017  .  This purchase was made at a  XXXX   XXXX  in  XXXX   XXXX , New York. Immediately upon noticing I contacted EppiCard to file a complaint and provided all documentation as requested. This purchase was made at a store in which I 've never shopped as well as in a state I 've never even visited. To this day,   XX/XX/XXXX  , I have yet to receive any updates regarding this open dispute. On   XX/XX/XXXX   I received a letter stating that a provisional credit for the full amount of {$140.00} would be issued to the account in lieu of the pending completion of the investigation but that has yet to happen as well. I 've made numerous calls to EppiCard for a resolution but have been given the run around. I was told that the investigation must be completed b y the 90th day which is today yet nothing has happened and no one has provide d any valid information regarding the dispute 's current status.
Consumer complaint received 2022-02-04
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. (MD)

Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. I know its a money game for them and they make money for reporting anything even if it is against the law. I called Experian, XXXX, XXXX, and all companies associated with the number to get clarity on it all but they had no properly consent from me or proof I am responsible. I want all listed negative and false information and accounts removed from my file. I can request such thing per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

Per my Experian Credit Report, they have not updated my information to state that my accounts have been paid on time since in the month of XXXX, XXXX, and XXXX. Per my information on XXXX, and XXXX, my information is currently correct. I would like for Experian to complete their investigation and update their records to reflect the correct information.
Consumer complaint received 2016-02-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (PA)

BB & T bank is being unfair about how they are subtracting their transactions. The way they do it XXXX transaction can cause multiple insufficient fund fees. Their online account is very vague and when you call into the office no one knows really what is going on. I finally got ahold of a representative that knew what was going on. If there is XXXX in the account,,, there are XXXX pending transactions each for XXXX they subtract that from the XXXX first. So then there is only XXXX to pull transactions from. If there are XXXX transactions for XXXX there will be XXXX XXXX insufficient fund fees. Then there will be XXXX posted to your account. Then the next day, when the XXXX XXXX transactions go through there, will be XXXX more XXXX insufficient fees subtracted from your account. So that would be XXXX more dollars subtracted from your account. Half of the tellers can not even explain to you why this is happening,,, they do not get back with you after you call and they say they will find out and call back. I have had a huge mess happen to my account because of this and could not get my account straightened up because of it. There is no documentation sent to you telling you exactly what bounced and it is utterly confusing and wrong. I do know that XXXX has been sued for this practice. I feel taken advantage of by BBT and they are wrongly charging fees. Most people can not come up with the money to cover the fees when they are tacked on so they are gon na end up with more fees in most cases.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. I know its a money game for them and they make money for reporting anything even if it is against the law. I called XXXX, XXXX, Equifax, and all companies associated with the number to get clarity on it all but they had no properly consent from me or proof I am responsible. I want all listed negative and false information and accounts removed from my file. I can request such thing per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My purse was stolen several years ago and I was also a member of the XXXX who 's private information was stolen. I have repeatedly sent the police report showing my social security card, ID, and birth certificate card was stolen to TransUnion over the past few years. They refuse to remove inaccurate data from my credit report and continue to ruin my life. 
I have contacted the creditors they are reporting a debt from and the creditors refuse to supply me with any debt validation or paperwork at all so I can defend myself. It 's illegal for Transunion to continue reporting this false data, just because someone knows my social security number. They MUST be removed, by law. The data that must be removed is as follows. XXXX # XXXX {$160.00}, XXXX XXXX XXXX XXXX XXXX {$380.00}, XXXX XXXX # XXXX {$3600.00}. 
Please be advised these are NOT my accounts and if they are not removed as a result of this final complaint, I will have XXXX XXXX file a lawsuit against you, Transunion, for violations of the FCRA and Florida Consumer Protection Act. I am done being a victim.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (FL)

I have been trying to refinance my house since XXXX 2015 with XXXX XXXX XXXX. My current mortgage company Ocwen Loan Servicing has not provided the correct or necessary documentation to show that they are authorized to issue the necessary satisfaction of mortgage for my loan. Because of them not providing the proper documentation I am not able to refinance or sell my current home. I have made several phone calls to them and also my lawyer XXXX XXXX and they still keep send the incorrect paperwork.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Credit Bureaus are required to remove any items not later than 4 business days after the XX/XX/XXXX letter. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX  XXXX Balance Owed : {$51.00} ; XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX Balance Owed : {$70.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} ; LAW XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ;
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

These inquiries I did not authorize. 
Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016
Consumer complaint received 2015-11-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (VA)

my husband passed over in 2014 ; he would always tell me that if anything happened to him that the mortgage would be paid off. 

the mortgage is in my husbands name only, and I ca n't find the mortgage insurance. 

I notified the mortgage company, and the home insurance company. 
I am the administrator of the estate. I sent the death cert.. and the admin.. document to each company. 
the insurance was put in my name. the mortgage company will not change the loan to the estate of.. 
when the renewal of the home insurance was due the mortgage company would not send the insurance payment through escrow. they stated the insurance policy is not in my husbands name. the insurance company stated they can not have a policy in a deceased persons name. I am the administrator of the property. 
the mortgage company stated to assume the loan, sell the property, or find another home insurance company. ( you can not feel the total disrespect and rudeness I experienced from the worker through my words. ) also every time I call the mortgage company to find out what is the problem I get the prompt, this an attempt to collect a debt and this call my be monitored. 
I have not missed a payment to either company. 
the mortgage company did send a letter stating a name change. I do n't know if I am paying off a mortgage or a transfer to a debt company. please help.
Consumer complaint received 2015-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I have filed a few different disputes with Experian and they continually say my disputes are not going to be completed because I do n't supply new information. I have filed and asked over and over again for information on what they did to complete their dispute. They respond to me that they are not responsiblle to tell me who they talked to, who I can contact, phone numbers, addresses and anything else I can use to determine where they are getting their information. I think they are using a computer based system to validate incorrect information on my reports. Both XXXX and XXXX completed investigations using the same information I asked for from Experian and my reports were corrected, by both companies deleting all the incorrect information. If Experian continues to report incorrect information on my report and telling me to have the original company correct it, then the company tells me that Experian must do the same, what else can I do? Both seem to be playing me for a fool. I want this investigation done properly once and for all.
Consumer complaint received 2020-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

Coinbase has literally halted all activities on my account and I can not sell or withdraw any of my crypto or sell my coins. I've had a Coinbase account since 2018 and all of my information has been verified/gone through XXXX. 

On XX/XX/XXXX- I made two cash deposits via ACH from my bank. I immediately purchased some cryptos with the cash. Both transaction has been settled and confirmed since XX/XX/XXXX. However, I am getting the below message when I try to sell or withdraw ANY amount : " No coins to sell. You currently don't own any. Try buying some to get started. '' Every time I try to chat with a live agent through the App- they keep disconnecting and claiming I am not there to respond. Previous support ref # : XXXX Order ID XXXX Order ID XXXX
Consumer complaint received 2023-05-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (OH)

I moved out of my apt in XXXX and I gave proper notice to the rental company 's manager that lived on site. I moved in the unit back in XXXX and the same month of XXXX. I spoke to the onsite manager that the carpeting had black spots in it and it was not new. She mentioned to me that its was not new it was cleaned. I never had any real issues in the unit but in XXXX I asked if i could have a pet and they do not allow pets so i went to my doctor and i was given a letter to allow for an emotional support animal and i gave the onsite manager a copy and from that point forward I had an issue. I had one complaint about the puppy pad on the balcony and I reframed from allowing him to go out there but it did not stop the owner of the company became furious about the animal and it just was an issue with him. So I gave my notice to the onsite manager in form of a card and I began the process of moving. I did clean the unit there was damage to the corner of the wall while moving items and the globe was missing from the kitchen. I replaced the burners and the blinds in the unit. I cleaned the unit and I gave my keys to the site manger. In XXXX of XXXX I got the move out statement and I called and requested pic of the said damages on the report the owner yelled and cussed about me having the puppy and hung up. I called right back and i said to him that i lived in that unit over 7 yrs and the appliances all worked, not one screen was damaged at all, all the yrs i have lived there never had a bug until the guy next door moved in, and why am i being charged for new carpet replacement when it was not new when i moved in there, the dishwasher worked! The owner just yelled and cussed again and gave the phone to someone else and he just read the move out statement to me and I asked for proof of the damage because it is fraudulent to bill me for damage that I did not cause. I told him that the onsite manager has never sent me a notice regarding housekeeping or damage to the unit and they exterminate once a month for seven yrs. Most of the things on the list is normal wear and tear. Only thing new in the unit was it was painted the appliances are used and the carpeting was used. Because of the abusive language from the owner I never called again until XXXX I called and spoke to a woman and I again requested pictures of all the damage and receipts showing that the dishwasher needed to be replaced. They are unable to provide me with any further information but has charged me {$3800.00} in damages.
Consumer complaint received 2019-02-21
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. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX Those dates are : 1. XX/XX/2017