davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: V and H Portfolio (MO)

Unfair Practices and Malicious Treatment to through XXXX  and Vance and Huffman , LLC. 


On or about XX/XX/XXXX, a voice message was left on my voice mail for me to call Vance and Huffman , LLC. I returned the call and a lady advised me that I had a debt of {$250.00} and they were the litigation firm to collect the debt. I told her that I was unfamiliar with their name and she gave to company names I was not familiar with. 

I asked for a copy to look over the debt to be sent to my email and advised her I needed to look into the matter. I did not believe I had any debt or never heard of the names she shared with me that I supposedly had the debt. I thought this was a fraudulent attempt to collect money from me. I asked the lady to send the debt information to my email and I waited for the information to come which I never received from their offices. Additionally, I mentioned if it was my debt that I would take care of it. 

In XXXX, I paid off debt and my credit score increased into a good position (XX/XX/XXXX ). Importantly, for years, except one tax issue with my car payment, which I tried to dispute and correct, I maintained an exceptional history payment status for years. On XX/XX/XXXX, my credit score had just increased 10 more points when this ordeal took place and continues to affect my score as of XX/XX/XXXXmy score dropped again by 1 point with no explanation. 

On XX/XX/XXXX, not even a week later from speaking to the woman and without receiving the email request to verify the debt, Vance and Huffman flagged my credit report as collections. On XX/XX/XXXX, I received a credit monitoring alert that displayed my credit scored decreased by 29 points. Immediately, I called Vance and Huffman after being notified by XXXX  and XXXX XXXX. 

After speaking with XXXX at XXXX XXXX, shared they had the incorrect address and an old XXXX XXXX XXXX account. I was advised that this was supposedly from XXXX and settled per XXXX. XXXX advised me that she would call back and never did call me. In XX/XX/XXXX, I reached out to XXXX XXXX XXXX because I had an been paying them on a small loan and fell behind. I paid it off last year and it was closed last year XX/XX/2020. So, I don't understand how Vance and Huffman , LLC. can say that this account was closed and it could not be closed. 

I look forward to a response to file regarding the unfair dispute, placing debt on my credit report and the large decreases on my credit report. 

As you can see by the attachments I provided which reveal my clearing up debt in XXXX and the debt decrease which occurred twice in XX/XX/XXXX by 49 points. This is illegal and unfair. I have unrest about this matter and can still pay off what is rightfully due if I receive and understand the alleged debt. I never denied any debt, just a request to see and recover what has been maliciously done to my credit and livelihood.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1661 section 602 A states : I have the right to privacy.

15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2021, ,Called Wells Fargo Bank , ,To Apply For, ,The Covid19 Assistance Program On, ,That They Was Offering,,, Went Online ( 3 ) Time To Apply, The Application Was Blocked On Line,,, And I Spoken To A Banker, ,Though Overdraft Protect,, He Said That They Stop Taking Applications, ,But Went Online 2 Before XXXX, ,So UnAcceptable, I Did Received ( One ) Settlement Check,, For, XXXX, ,On XX/XX/XXXX, XXXX, ,I Do Believe That This Company Owes Me And My Family More, ,This Company Is Really Messy, ,It Also Ruined Me And My Family Life
Consumer complaint received 2021-06-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I am submitting this complaint due to the inconsistencies of my XXXX credit scores from the three credit bureaus. My XXXX  XXXX  score is XXXX. However, my XXXX score with Equifax is XXXX and XXXX  is XXXX which is over a XXXX point difference. Their explanation is that since my husband and I hit a snag in his income early in 2019 and had late payments on two accounts, then we will always be late making payments, which is not a fair assessment on anyone because life happens. Also, our income is far greater now than two years ago and we have consistently made on-time payments on all of our accounts and have never been late on our automobile loan, which is the largest debt in the past 3.5 and no late payments in over two years on any other accounts. This is not fair credit reporting nor fair in my scores and there should not be a 50+ point disparity across the three credit bureaus. It seems that during the pandemic, Equifax and XXXX  has fallen asleep in updating my FICO scores.
Consumer complaint received 2022-08-06
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: ZuntaFi Corp (TX)

Zuntafi XXXX  for future pilots does not mention or describe any information about cosigner requirements for the pilot access loan, only allows for the option but is not required. After completing their online application for the pilot access loan, I was denied the loan because I needed a cosigner. I already have a full time job with an airline, have not defaulted on any loans, making payments on loans, and guaranteed reimbursement if I go through the program, and well above age requiring a parent to cosign a loan for a career. There is also a high demand for pilots and there should be no reason that a cosigner is required since many will have to retire.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FULTON FINANCIAL CORPORATION (MD)

Fulton Bank reported me XXXX days late in XXXX of 2022, when in fact I was not late. I made a cash payment directly at the bank and in the past my payments were posted immediately to my account.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXXXXXX XXXX  CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I've been disputing with the three bureaus for a long time. Now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do not belong to me / late payments that im not aware of *These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can obtain such information on my credit report with no signatures no proof of verification /no validation no signatures no Nada. Please help me cause I'm taking this to the next level after this
Consumer complaint received 2022-06-23
Product: Vehicle loan or lease — Lease
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: VW Credit, Inc (CA)

I decided to buy out my lease at the end of my lease terms in XX/XX/XXXX. I acquired a new loan with a new lender for the remaining value of the vehicle. Even though I paid off the amount with the new loan, Audi Financial Services has failed to transfer the title to my new lienholder because of incorrect Odometer form. My new lender ( XXXX XXXX XXXX ) reached out to inform me that Audi still has yet to transfer the title. I have been chasing and calling Audi Financial services since XX/XX/XXXX to get the form corrected to meet their requirements. Each time, they have informed me that they have the proper paperwork and they are processing it to be mailed out. Every XXXX hours I would call and they would then tell me that the form is still incorrect despite informing me prior that the form is correct. I believe Audi Financial Services is intentionally trying to deceit and cheat me out of my ownership of the vehicle.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TOWNEBANK (VA)

On XX/XX/2020 I closed on a home and {$10.00}, XXXX was awarded to me by Housing Opportunity Made Equal ( HOME ) to Towne Bank as a grant down payment. This money was released contingent that the home was up to code based on US Dept. of Housing and Urban Development. An addendum was drawn up and repairs were supposed to be completed. At the closing, the seller did not provide any receipts or warranties for repairs completed according to the addendum. I requested receipts from closing attorney 's office via email, and they came back and replied they do not have any receipts or invoices regarding the repairs made prior to closing. Because the repairs were not completed as the required per the addendum no grant funds should have been released on my behalf.
Consumer complaint received 2018-02-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/2018 I submitted a loan application to XXXX XXXX in XXXX, to buy a used vehicle. My credit score is XXXX on XXXX  and my XXXX score is around XXXX. I have very little debt, and my home is paid off. Based on my score I should have been offered no higher than 5 percent interest but the dealership said I was being offered 12 percent which they later emailed me and said it was just over 9. The company Ally Financial has been fined multiple times for discriminatory lending and I believe they have not altered their practices. I am a XXXX woman, XXXX XXXX vet and graduate student I do not think it's fair to have to overpay for things as basic as a car loan.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (NH)

My newborn babys Social Security never got to us in the mail when we initially applied for it from the hospital. After contacting SSA they said they had mailed out my daughters ( newborn ) SSN and It should be in the mail but we never received it. We applied for a replacement which we got but Im worried as a father that her identity might have been jeopardized since someone might have taken her social security or it might have gotten lost from mail carrier.

I just wanted a credit report for her and if possible put a freeze on it till she turns XXXX
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am victim of Identity theft. Someone has access to my personal information and its ruining my credit by applying accounts that I have no knowledge of. Also, I never give consent to the company listed to pull my credit report.
Consumer complaint received 2021-02-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Comerica (WA)

An unexpected transaction debited my account on XX/XX/XXXX and caused my account to overdraft. Luckily, I had payment into the account the next day which covered the overdraft. I never received a notice that my account would be charged a fee or that it overdrafted. They have my email, phone number, and address. I logged in on XX/XX/XXXX to online banking and no fee had been charged to the account. I then initiated a transfer from Comerica from an external bank for most of my remaining balance. On XX/XX/XXXX I received a letter that my account had charged a {$34.00} fee for overdrafting. I logged on and found that they did in fact charge me an overdraft fee after hours on XX/XX/XXXX which lead to my next withdrawal to also overdraft. I immediately sent a secure message explaining the situation and requesting my overdrafts be waived, deposited a check to cover the overdraft amount, and initiated an ACH transfer into the account. Comerica took 2 business days to process my check which lead to them charging 3 {$6.00} fees for my account staying overdraft until my ACH transfer arrived. Comerica had disabled my XXXXXXXX ability for being unable to verify my identity and I do not currently have an atm or debit card. There was no way for me to bring my account to positive and avoid those fees. Comerica responded that they do not waive overdraft fees.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have lived at my current address for more than a year and 3 months. I applied for credit at a retail store and received a letter from the underwriting bank that my address is incorrect and, as such, the bank would not make a decision on my application. 

Why aren't credit bureaus required to update their records on a timely matter and allowed to affect one 's credit by their negligence to do so?
Consumer complaint received 2023-07-29
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. (LA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have sent out multiple letters to XXXX XXXX XXXX, Equifax & XXXX  since XX/XX/2021. I also gotten a letter about XXXX XXXX XXXX XXXX my account as current, no late payments, with all 3 bureaus. My account is still showing late payments for both XXXX  and Equifax. The only updated account is XXXX.
Consumer complaint received 2021-02-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SLM CORPORATION (TX)

I have been steady paying back my student loans after they defaulted because of my old financial situation. however i got on a repayment plan and have been paying the loan back through a repayment plan for XXXX every month since XXXX of XXXX this has not been reflected on my report whatsoever. the same company which is sallie mae has the account although it has a status of charged off. If possible i would like the report to be wiped clean off my report or at least have them report my on time payments since XXXX of 2019
Consumer complaint received 2021-02-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 46 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.
Consumer complaint received 2021-02-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/21 I sent a letter regarding inaccurate and unknown items on my credit report. To this day XX/XX/21 I have not received an response yet. I feel like I am be taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so these items should be deleted promptly. I demand these accounts be deleted immediately or I will proceed with the litigation process due to the stress it caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I previously sent three update letters to all three credit bureaus, which are XXXX XXXX  and Equifax. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.
Consumer complaint received 2021-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Hi, I have previously made 2 complaints through you about Coinbase and thankfully the problems have been partly resolved but not completely.

After 35 days of account disablement Coinbase decided to close my account which is fine and provided me links to remove my Cryptocurrencies as well as my GBP.

Despite the fact that I managed successfully to remove my cryptocurrencies, the link they provided for my GBP to be withdrawn to my bank account is broken and does not work.

Considering my account could be closed at any time now I am in risk of not having access to my GBP in Coinbase account anymore and Coinbase is not answering my E mails in this regard.

Coinbase only responded once asking me to send them a screenshot of the problem and I did that. however they did not respond anymore and it is now been over a week that I can not withdraw my fund. 
Please look into my case as my fund which is XXXX is there to be withdrawn and their link is broken and the time is going to be up for me and I might lose my fund. I will send you the screen shot of the problem I am facing with Coinbase. 
Thank you. XXXX XXXX