davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: D. SCOTT CARRUTHERS (CA)

I am currently going through a security clearance with the XXXX. I had a debt with XXXX XXXX ( original lender ) that has been transferred to Mountain Lion Acquisitions. I called them on XX/XX/XXXX at 1108hrs. I spoke with XXXX and my financial counselor attended this telephonic appointment. When we asked to be placed on payment arrangements, XXXX disclosed that my balance was {$17000.00}. This loan was taken out in XXXX of XXXX. I made 3 payments of {$360.00} for a total of {$1000.00}. After that time, I was unable to continue payments. My current credit reports list this debt as having a balance between {$2600.00} and {$4100.00}. I asked why the balance was so high and he explained that the interest rate was 186 %. He said he could stop interest from accruing starting today and that he could possibly reduce my amount owed but refused to lower it to the amount listed on reports of {$4100.00}. I asked for a settlement of {$4100.00} with payments of {$200.00} per month auto debit until the balance was paid in full. He could not do this and it was at this time I requested he validate the debt.
Consumer complaint received 2022-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (SC)

Initially, XXXX XXXX failed to bill my insurance and billed me. I received a bill ( account number XXXX ) and immediately called XXXX XXXX to ask them to bill my insurance ( which was phone recorded by XXXX health and can be verified by them ), they then billed my insurance with a different account number ( XXXX ) and sent me the bill which I paid and received confirmation from XXXX that i have a {$0.00} balance with them. Again, all this can be verified by them and their phone recordings Billings and receipt of payment. I do not owe any debt. Please verify this true information with XXXX XXXX. I can be reached at XXXX.
Consumer complaint received 2019-08-02
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

I received another call again today on XX/XX/XXXX by Navient by " XXXX '' from XXXX, which lasted 7 minutes. The first words were Navient is willing to lower your payments to XXXX each month. Can you do this? Again, for the 5th time this year, I explained to them I have no full-time job with full time health benefits. I explained to them also again, I provided them with the verified IDR from studentaid.gov in XX/XX/XXXX, I uploaded to my Navient account in XX/XX/XXXX, I just uploaded this information again last week to my web account for proof, XX/XX/XXXX. I told XXXX, I paid off 2 private loans and 1 federal loan. I have an old XXXX car that needs major repairs, I can not drive it on the highway. I am making small payments. How can I make XXXX when nobody will give me a full-time job? If you want XXXX or more each month I am going to have to XXXX for Navient. Nobody will give me a full-time job for I can afford that amount ongoing each month. XXXX from Navient hung up the phone. In other words, they gave me no other option, but wanted at least XXXX each month. I asked him to help me get a full-time job. I am desperate to get a job for I can pay for my loans. I want to work a full-time job.
Consumer complaint received 2019-10-04
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: BBVA FINANCIAL CORPORATION (KY)

On XX/XX/XXXX I opened an account with BBVA in response to an invitation to apply based upon being preselected for credit. I received my card a few days later and activated the plastic on XX/XX/XXXX. I attempted to use the card the same day via a phone transaction with a heating and air company for {$3000.00}. The transaction was blocked for suspected fraud. Which i'm fine with, thank you for the security. But, it has been XXXX in trying to get them to resolve the block. I have spent way too many hours on the phone waiting on hold only to be told there was nothing they could do. 

In accordance with their request, I provided them copies of my ID, my W2, my paycheck stub and a utility bill ( also on XX/XX/XXXX ). As they suggested i called back, waited on hold for an hour to tell them I sent the requested documents ( at their request ). I made the call and was told it would take 1-2 days and an investigator will review. Well here we are now XXXX and i still have not had a phone call. 

The only reason I opened this credit card was to use it for this one particular transaction, to take advantage of the 0 % promotion and the {$100.00} new account incentive. But, in my attempt to use the card they are now preventing me from taking full advantage of the offer. Simply because they refuse to work my case. I would really appreciate help in getting this resolved.

Also, in todays climate of hacking and fraud, I found it interesting they wanted me to send my personal identifying documents via an unsecured platform for them to do their validation. The representative told me that the mailbox was secured. Uh, how exactly is BBVA securing something sent by me? It's not possible. I think this practice is unethical and contributes to the possibility of peoples identity being stolen.
Consumer complaint received 2022-06-23
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: Conn's, Inc. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-04-15
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: WELLS FARGO & COMPANY (TX)

This is a formal complaint against Wells Fargo Bank XXXX located in XXXX, AZ. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Wells Fargo Bank XXXX  has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 negative account 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CT)

I have been a customer of coin base since beginning of the year, I have had transaction buying XXXX, I applied for a coin base card and received one. I activated the card and no issue. I went to trade next day the web was saying account under review and need some time to verify you won't be able to use coin base it would take a few days, that was around middle of XX/XX/2021. I waited sent out out a few emails through their sight and requested to upload another id photo with some bank statement, I uploaded the info. I waited a few weeks with the same routine contacted them through email, no result. On XXXX XXXX I opened coin base support case # XXXX verification. On XX/XX/XXXX XXXX I got an answered that this case has been close and also they let me know that our team is working diligently to review your account do not submit another request.
Consumer complaint received 2021-07-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

someone transferred money from my kids trust accounts to other account that opened under my name without my knowledge and withdrawal the funds. i discovered that end of 2020 but Citi bank said it is too old and they do not want to investigate what happened. I am confident that this person is my ex partner and there other accounts he created to laundry funds under my name.
Consumer complaint received 2021-04-09
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. (VA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2024-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

Dear CFPB representative, Please let me know if Sears Master Card is in violation any laws by applying my monthly credit card payments to the promo balance which expires later ( XX/XX/XXXX ) than to the differed purchase balance which expires earlier ( XX/XX/XXXX ). I will attach statement and /or screenshots. Thanks. XXXX XXXX Last four digits of my Sears Master Card are XXXX
Consumer complaint received 2022-10-12
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. (NV)

Equifax has imported loans, credit cards, mortgages, auto Loans, student loans that are not mine. I have been unable to make an upcoming Home purchase, due to the inaccuracies of this credit bureau. Equifax recently was found guilty of having inaccurate information on millions of consumer reports, that prevented people from other wise being approved for loans. 

I have spoken to them several times, and they always say that a supervisor will call me and give me a confirmation code, but no one ever follows up. I am completely out of options on how to resolve this. 

I want my credit report to show accurate reporting, as they are currently breaking several laws of the Fair Credit Reporting Act.
Consumer complaint received 2019-05-01
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

This is an official grievance against Toyota Motor Credit Corporation situated in XXXX XXXX XXXX XXXX Mail Code XXXX, XXXX, CA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting an flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, Toyota Motor Credit Corporation has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. 

Below is the account I had Disputed earlier : TOYOTA MOTOR CREDIT CO, Account # XXXX, Date Opened XX/XX/2010. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates, but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. 

I am attaching the relevant document as proof and my small claims form ready to file a court case against them should they fail to comply
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX, the merchant XXXX issued a refund of {$2200.00} for XXXX charges to my account which were made through a falsified XXXX account by a minor. The entire falsified account was deleted by XXXX per their policy related to the Children 's Online Privacy Protection Act ( COPPA. ) Of this refund, only XXXX credits totaling {$310.00} returned to my card. I am still being charged {$1900.00} for nothing, as the services were retracted. I have attempted to resolve the issue on many occasions, both by contacting Chase and XXXX, and both parties at the same time on a XXXX way call. 

Those attempts of resolution on my part occurred on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX. XXXX is XXXX  % positive that the refund was issued back to Chase correctly and that they are not charging for the XXXX transactions made from the deleted account. Chase bank is still charging me for XXXX transactions totaling {$1900.00}, which the merchant refunded. 

Chase denied reconciling my account by saying too much time has lapsed and they can no longer review the errors, though they had complete control over the time lapse in reviewing the dispute. The letters I received from Chase state, " our review confirms the transactions are valid, we found no evidence of a billing error. '' This response does not even coincide with the dispute of the missing refund and is not correct. Chase will give no information about the investigation, their process, or policies, and continues to charge me for the refunded money which is in their possession from XXXX.
Consumer complaint received 2024-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (VA)

there was an account fraudulently opened under my name with the company of West Virginia XXXX XXXX in XXXX XXXX west virginia. i live in the city of virginia XXXX, virginia and have lived here. i never have opened an account in the state of west virginia
Consumer complaint received 2022-12-28
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. (CA)

i am the living breathing man XXXX. i hereby am filing a complaint against EQUIFAX. EQUIFAX is reporting incorrect information on my consumer report, which has been causing financial damages in regards to my credit reputation, also know as defamation. I would like the Following information to be reported : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ca XXXX Employment info : XXXX XXXX XXXX Any name or address different from the one above-mentioned please removed immediately.
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

In XXXX of this year I paid for a vacation package with my debit card, Capital One Checking Account. 
This was a very expensive package and very, very little of what I paid for, materialized. The Travel Company I made the transaction with, has been very difficult to deal with.

They are not transparent and forth giving of who is the ultimate executive that has the authority to speak with me about the horrible purchase I received with the XXXX XXXX XXXX XXXX. 

My issue is with Capital One Bank, I requested a dispute of my payment ( partial ) I made to that XXXX XXXX XXXX XXXX, from my Checking Account. 
Capital One Dispute agents are refusing to honor my request. 
Over and over the agents say service is not eligible for a dispute. 
My numerous complaints against the Vacation Company were many mechanical issues in our room for 7 days, ADA neglect of my injured knee, lying about what I had prepaid for. ( Additional hidden costs ) and much more. 
None the less, they were not all service issues. 
Product description and more were not provided as I paid for. 
As I review Capital One dispute summary section, on their website, it is not stated anywhere that you can not request a chargeback disputes that pertain to service issues. 
I am being jerked around! 
I filed the dispute immediately when returned at the end of XX/XX/2019. 
I need assistance with Capital One not helping me.

I have complained to the company, I have complained to the Florida Dept of Agriculture, that handle complaints against the XXXX XXXX XXXX XXXX XXXX, Where I purchased the package from over the phone and online. 
My travel companion and myself spent {$2800.00} on the package, and I spent over an additional {$12000.00} with the ship and their exclusive vendors. 
The bank has told me flat out that they would not dispute my package price paid to XXXX XXXX ( Which is all I requested ) I requested the name of the Capital One Executive that had the authority to help me, and XXXX a Supervisor in the phone from Capital One, refused to tell me any contact information on where or who at Capital One, that my complaint was being escalated too. 
I am once again not being helped by the bank, nor are they telling me the truth, I ask for their charge back dispute guidelines in writing and XXXX refused to send me that document. 
Is there any help you can give me?