davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I the consumer tried to access my consumer report online through freeannaulcreditreport.com and on Transunion.com and I have been unable to access my consumer report online. I contacted TRANSUNION several times on XX/XX/21 and XX/XX/21 to address this issue. After talking with several agents in the online department, the consumer relations department and the fraud department no one helped me and I was told they don't know what the issue is. I have been given the run around and TRANSUNION is blocking me from accessing my consumer report online. I am being financially harmed and this credit reporting agency is breaking federal law and infringing on my right to access my consumer report online. This has been very frustrating and time consuming. I should not have to go through all of the hurdles and gimmicks of being transferred between internal departments just to be told they don't know what's going and they can only send my report to me by mail. This is intentional and willful noncompliance to block me from accessing my consumer report online. I have not had any problems with accessing my consumer report online until after I begin to do complaints with the CFPB about them committing identity theft and reporting information that I did not give them consent to report which infringed on my right to privacy.
Consumer complaint received 2019-02-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (GA)

I accepted a loan from AvailBlue for {$350.00}. I was told when they would drafting the first payment, amounts etc. Prior to accepting the loan I spoke with the Agent and asked him about early pay off. He told me I could in fact pay the loan off early and just paying a small amount above the {$350.00}. I called today to make sure and the woman told me I was given incorrect information. She even verified that she knew they gave people misleading information but you are still stuck with paying this loan. I am paying almost {$1000.00} for a {$350.00} loan that I got barely three months ago!! I told them had I known that I would not have accepted the loan which is why I asked before accepting. I was told something totally different it seems just to get me to accept.
Consumer complaint received 2015-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harley Davidson Financial Services Inc (FL)

HarleyDavidson collections was Paid for debt owed on XXXX XXXX,2015. STILL shows as being open on XXXX XXXX credit. called this establishment and was told that it takes 30 - 45 days to be removed. It has been 43 days effective today.
Consumer complaint received 2023-04-03
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : 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 2020-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo put forced CPI on my truck loan and it raised my payment to a level I could not afford. Then they repossessed my truck and killed my credit. I had to file bankruptcy. There not allowing me outside arbitration which there to do per the agreement from all states last year. They have lied to me at every step of this entire thing. There even lying about the date they took my truck trying to get out of paying. I need this taken care of and this isnt getting it done. I know the date they took my truck and it was from forced placed cpi and lies.
Consumer complaint received 2015-06-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XXXX XXXX of XXXX Porfolio Recovery Associates called me Attempting to collect a debt. While on the phone I spoke to XXXX XXXX who informed me that on XXXX XXXX,XXXX.I supposedly made a payment of {$100.00}. I proceeded to hang up. I did some investigating of my own and found out that my Account went into delinquency on XXXX XXXX of XXXX. I am only XXXX I only have had XXXX bank accounts so far XXXX and XXXX XXXX. I called XXXX and they said my bank account closed XXXX XXXX XXXX therefore there is no way I could have made a payment on XXXX XXXX of XXXX if my account closed on XXXX I also called my current bank XXXX XXXX and they said they have no transaction of {$100.00} on XXXX XXXX of XXXX. Porfolio Recovery Associates made a false payment on my account so that they could contact me because they knew that without that false payment being on file they would have violated my statute of limitations. I want to file a complaint!
Consumer complaint received 2020-10-16
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: Diversified Adjustment Service, Inc. (OH)

This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is not mines and is reporting inaccurately. 

DIVERSIFIED ADJ SVC XXXX  XXXX
Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (LA)

My homeowners insurance is billed monthly and held in escrow with Amerihome Mortgage. In XX/XX/XXXX, Amerihome failed to pay my homeowners insurance renewal. Amerihome claims that they did not receive the invoice. I did receive a copy of the notice that was sent to Amerihome describing cancellation for non-payment. However, when I went online to Amerihome 's website to see if the insurance still had not been paid, they showed that the insurance policy did not expire until XX/XX/XXXX. I could only assume that the premium was paid and that I received the letter after Amerihome made payment. Fast forward to XX/XX/XXXX. I had leak in my kitchen ( the water line to the dishwasher sprung a leak ). I called my insurance company to make a claim. They were unable to find my policy but took my information in case it was a glitch in their system. A couple of days later I found out that I did not have a policy in place because Amerihome failed to pay my insurance in XXXX. Amerihome told me to hold tight as they were going to get with my insurance company and have the old policy reinstated. After several days I received a phone call from Amerihome that my policy was reinstated and that I could move forward with making a claim to my insurance company. I did just that, only to find out that the policy was not reinstated and that Amerihome just mailed a payment for the premium with a copy of the renewal notice from XX/XX/XXXX that they claim they did not receive. The insurance company will not reinstate the policy 6 months after it was cancelled. I have spent 3 weeks on the phone with both Amerihome and my insurance company going back and forth to decide who would fix my home as well as get a new policy in place on my home now. Amerihome states that they aren't liable as they didn't receive the invoice and my insurance company states they aren't liable as there was no policy in place at the time of loss. I now have mold growing in my home and am allergic to it as well as being stuck with a $ 20,000+ repair that should have easily been filed as a claim and insurance would have covered.
Consumer complaint received 2024-05-13
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: General Motors Financial Company, Inc. (FL)

You have been helping us rid Gm Financial in our life -hopefully the end of dealing with them is near. We need your help in finalizing this account - to have them close our account, have it in writing that this is PAID IN FULL, properly update our online account as a XXXX balance, have title exchanged properly. We don't believe a word they say. They lied 4 times this year stating they never received our checks in time ( We've been loyal, honest customers who paid in advance for 5 years with GM Financial ) which puts our payment history as 'marked late ' which is NOT TRUE. They only cash checks once a month. They lied on our payoff amount on XX/XX/XXXX to XXXX XXXX XXXX- who is now our lien holder. Because they claimed we still have a balance of {$470.00} as of XX/XX/XXXX. We paid it on XX/XX/XXXX electronically to be RID of these liars. They are messing with our financial life.
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

I deposited a check to my account before leaving XXXX on a trip. 
The deposit went through as it was exactly the same as on multiple deposits previously, XXXX Bank, Same Branch, Same Accounts ( issuer and issued ), Same Signer, Same amount ( actually lesser amount than most recent accepted deposit, but same as a previous amount ), Same Name, Same Endorser, Same Everything! But For No Valid or Given Reason This Deposit Was Reversed By the Branch Manager In Order To Extort and Sell Branch Products. 
I Was Treated Inhumanly and Extremely Unprofessionally With Direct Disrespect and Deprivation of My Livelihood as well as Insult to my Character. 
I am Currently XXXX so there is Direct Negative Impact on My Survival.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (NY)

I was scammed through an internet scam on XX/XX/2024. I was told my computer had been hacked and I needed to transfer money out of my banking account to prevent the funds from being taken. A person misreresenting himself as an employee from my bank ( XXXX XXXX ) directed me to get a cashiers check for {$42000.00} from my bank and deposit into a Chase Bank Account set up by the FBI. Later that day after depositing the check I discovered that it was a scam. I reported this to my bank ( XXXX ) and Case Bank on XX/XX/2024. Subsequently my Bank requested return of the funds from Chase.however they have not complied. My bank has continued requests for return of the funds but after 2 months Case has not complied. I also reported this scam to the FBI and also my local State Police. The police have investigated and have been monitoring. I am requesting return of my funds from Case.
Consumer complaint received 2023-04-03
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. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been using a service called XXXX which will give you a temporary card to use for purchases while then breaking the transaction up into 4 transactions charged over the course of 8 weeks. My main credit card is a Capital One credit card and they have suddenly decided they will not allow their cards to be used by XXXX, meaning I can no longer use XXXX.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CENTRAL BANCOMPANY, INC (MO)

In XXXX of XXXX I opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) with a promotion. The requirement said you couldnt be an employee and had to have {$3000.00} in the account at the end of 90 days. If all requirements were met at the end of 90 days, they would put {$500.00} in the account. 
At the end of 90 days I had {$3000.00} in there and wasnt an employee, but they just keep telling me Im ineligible and wont be receiving the promo bonus and I dont know what else to do.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I reviewed my credit report and I noticed a late payment reporting on my XXXX XXXX  account ( account number XXXX ). I was actually not late on this account. According to 15 US Code 1681e, credit reporting agencies have a legal obligation to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have attached a copy of my report to this complaint on XX/XX/24. I am now requesting that you investigate and provide verifiable proof with records showing that I had these late payments. If this information can not be verified, please update these payments to paid on time immediately. Please see screenshots attached. Thank you for your prompt attention to this matter
Consumer complaint received 2022-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (MD)

I tried to purchase flights from XXXX for airline tickets. I used Affirm to pay part of the {$3400.00} for the tickets, and I had to pay Affirm {$2700.00} at the time of purchase. Immediately when I submitted to pay and confirm the flights within minutes, I received an email from XXXX saying they could not complete my purchase and confirm the airline tickets and any money paid would be immediately refunded. After a few hours and into the next day, the money I paid to Affrim for the tickets still hadn't been refunded to me. I immediately contacted Affrim to let them know about the situation. I provided Affrim with a copy of the email I received from XXXX confirming that we're unable to complete my purchase and a copy of the canceled purchase from XXXX '' website. I was told that the transaction was still processing, and I had to wait until it was processed to receive my refund. It has now been over a month, and I've contacted Affirm about his several times over the last month. Each time I spoke with, I was assured someone was working on it, and within 3-5 business days, I should have a resolution. They stated they needed to contact the merchant, and if the merchant didn't respond by XX/XX/2002, they would move ahead in processing my claim. That never happened, so I followed up # times since, and each time I was told it would escalate to the highest level of dispute, someone would contact me. On XX/XX/XXXX, I received a form/generic email asking me to submit documents I had previously submitted three weeks ago, and it would be another 15 days. That time has come and gone, and now they are telling me they are submitting to the merchant again asked me for the same documents and will sub it to the same dispute resolution departmeent ( which is the highest level again ), essentially restating the entire process Again!! This is 100 % theft and fraud at this point. They are fully aware that I was not provided a product or service in relation to the proposed loan yet have still refused to return my money.
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (NY)

In 2013 I defaulted on a credit card debt. This debt was subsequently charged off and reported to the IRS as bad debt. Chase is still reflecting and trying to collect the full amount of the debt XXXX {$2200.00} XXXX. I want to pay this debt as I am in a better place financially. I ca n't possibly be expected to pay the bad debt and the taxes. Either cancel the debt and reflect it as a zero balance charge off and I pay the taxable income, or I will pay the bad debt. XXXX
Consumer complaint received 2023-04-03
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. (FL)

TRANSUNION FALSELY REPORTED THAT I HAVE A BANKRUPTCY ON MY CREDIT REPORT. THEY PUT THE DATA FURNISHER AS THE US BANKRUPTCY COURTS OF SOUTH FLORIDA WHICH IS FALSE!! I HAVE A STATEMENT AND SIGNED LETTER FROM THE FEDERAL COURTS STATING THEY DO NOT FURNISH DATA NOR RELEASE ANY INFORMATION TO THIRD PARTIES OR CREDIT BUREAUS. THEY ARE FALSELY REPORTING AND HAVE YET TO REMOVE THIS! 

ALSO REMOVE ALL ACCOUNTS STATED TO HAVE BANKRUPTCY ATTACHED IMMEDIATELY Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX Account XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX Bankruptcy Account number : XXXX has violated my rights
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (VA)

Took loan on my credit card for a fixed interest rate which has been applied for fixed monthly payments. However, every month, additional interest rate is being added. After having called customer service multiple times, the fees have been waived and the agent mentioned that those charges were incorrect and will be fixed so I won't be charged going forward. But, the charges seem to be added again in the following months.
Consumer complaint received 2021-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CoinZoom, Inc. (VT)

On XX/XX/21, I made 2 transfers to CoinZoom to try out their services. I purchased crypto currency with the deposited funds. I was not satisfied with the service as at time I had to purchase in partial crypto instead of U.S. Dollars ( USD ). I had {$1.00} left in my online USD wallet at that time ( see attached screenshot ). After navigating the app, I saw that in order to withdraw my funds, I would have to deposit another {$1.00} and purchase more crypto in that amount plus what I had in my USD wallet ( minimum crypto buy amount ) so I could finally withdraw my funds. Still, I was not able to do that. 
ACH withdrawal directly to my checking account is not available at CoinZoom ( see attached screenshot ). The only other option is by wire transfer for which they charge {$25.00}. 
So I tried to do a wire transfer withdrawal. CoinZoom only allows wire transfers with a minimum of a {$100.00} transfer. My balance is {$39.00}. This means that there is no way for me to withdraw my funds from CoinZoom.

I called CoinZoom about getting my funds back. They told me I had two options : wait until they allow ACH withdrawals ( there are no plans to institute this at this time ), or deposit more money so I can make a wire transfer at a cost of {$25.00} to me. Ive tried ( and kept ) four other online brokers - none of them have no option for refunding your funds. 
Can you please help me get my funds back from CoinZoom in the amount of {$39.00}? Thank you!
Consumer complaint received 2024-01-19
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. (LA)

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 The listed information is not relating to any transaction by me.
Consumer complaint received 2021-05-20
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: Resurgent Capital Services L.P. (MD)

I have received a copy of my credit report and it shows company LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$420.00}. I have tried many times to get this verified with no such luck. Please review for deletion.