davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (MA)

I had problems with a closed credit card account from Barclays. After a difficult prolonged time of back and forth phone calls, I received a letter dated XX/XX/2021 from Barclays stating that I would no longer be contacted reguarding this closed account. 
On XX/XX/2021, I received a letter from a collection agency about the closed account asking for {$170.00}.
Consumer complaint received 2019-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX and I purchased an auto from XXXX XXXX in XXXX of this year. I was approved through XXXX XXXX XXXX and prepared to make my payments as agreed. I was not informed that the auto had been re-contracted through Wells Fargo. I was made aware by an alert from my credit monitoring site that Wells Fargo was showing past due. You can imagine how upset I was because I was unaware I even had an account with Wells. I contacted the finance manager at XXXX XXXX and was told what had occurred. As soon as I was made aware that the financing was being handled through Wells Fargo I did get the account current. I was never made aware of the change of lender! My credit is perfect except for this one account that truly was not my fault. The Finance Manager even wrote a letter to Wells Fargo explaining the mix up and also explained that it was their mistake and NOT mine. I have included the letter that was sent to Wells Fargo from XXXX XXXX and their response.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have been actively paying off regular and promotional balances with my Home Depot store credit card managed by Citibank. I have tried calling over several weeks and made approximately 10 phone calls to have this problem repaired without success. Each month I pay my minimum amount due plus extra toward promotional balances. My statement closing date is the XXXX of each month and my payment due date is the XXXX of each month. 

On XX/XX/XXXX I made a payment in the amount of {$210.00} Minimum payment of {$79.00} remaining balance ( {$130.00} ) to be applied 100 % to promotional balance expiring on XX/XX/XXXX as agreed upon in letters dated XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I made a minimum balance payment in full in the amount of {$74.00} due XX/XX/XXXX On XX/XX/XXXX I made an additional payment of {$100.00} to be allocated 100 % toward promotional balance ( {$290.00} ) expiring on XX/XX/XXXX as agreed upon in letter dated XX/XX/XXXX On XX/XX/XXXX I made a payment of {$130.00}. XXXX payment of {$73.00} and remaining balance XXXX {$63.00} XXXX to be allocated 100 % toward promotional balance due on XX/XX/XXXX. 

Not only were the payments not allocated as agreed in letter dated, XXXX XXXX they were also not allocated according to The Credit Card Accountability, Responsibility and Disclosure Act ( or Credit CARD Act ) of XXXX. As as result I was charged a late fee and my account has been marked as past due. 

I have never been late or missed a payment in the history of my account with Home Depot Citibank. Customer Service refuses to remove my late charge and late status which in turn will adversely affect my credit. This may also cause me to be charged interest on purchases that were agreed zero interest with promised payments. I have made all payments as promised and Citibank Home Depot is not allocating the payments as agreed upon in writing.
Consumer complaint received 2019-09-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

Wakefield and Associates has attempted for Nearly two years to collect a debt on behalf of XXXX XXXX XXXX XXXX for an alleged Emergency Room visit. I have contacted both the hospital and XXXX requesting proof ( my signature, a copy of the ID used at the ER, etc ) to verify I was at the hospital that night because in reality I was at work They have both refused to do so. I have submitted both companies my insurance information with the understanding that IF they were certain it was a valid debt, they should bill my insurance as I have had the same insurance for 7 years. Again, both companies have refused to do so. I called Wakefield and Associated to request they either bill my insurance or remove this from credit report, they have refused, told me it was not insurances problem, it was mine. They have reported a {$1300.00} bad debt on my credit report causing my credit score to drop considerably while refusing to provide me with any verification that the debt was valid or billing my insurance. I have Alabama State XXXX so any Er visit would have been covered but they are refusing to even try billing it. I have even mailed them a copy of my insurance card and my ID. This has been going on for over a year and has caused a drastic drop in my credit score.
Consumer complaint received 2019-12-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX; XXXX  and Transunion are reporting incorrectly that I am (60) days late on the XXXX  – partial account number ****XXXX.  (Please see page attached from my credit report.)    When this loan was sold from XXXX XXXX, I was not notified in a timely manner and I would have to physically track down the new holder of the note and make sure the payments were being applied correctly to the new loan.  The law requires that “you be notified within (15) days of the sale of the mortgage and that you should receive two letters, one from your old lender and one from your new lender. These letters should provide you with all the information you will need to communicate with the new lender, including where and how to make your payments.”  Pursuant to the Real Estate Settlement and Procedures Act or (RESPA) – “If you have sent your payment to your old lender by mistake, RESPA protects you against penalties for a limited amount of time after the mortgage transfer.  After your mortgage is sold, there is a 60-day grace period during which the new lender cannot charge a late fee on payment, if you mistakenly sent that payment to the old lender. This two-month grace period “protects the borrower.  If you are late due to sending the payment to your old lender, the new lender may not report it to any credit agency. Your loan cannot be deemed delinquent during this grace period, either.”  The lates that are reporting are false.  I was never notified in a timely manner of the new lien holder and this account most certainly falls within the 60-day grace period wherein the lender cannot charge a late fee on payment.  I respectfully request that these late payments be removed.  This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report.  I have contacted the (3) bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (VA)

On XX/XX/XXXX I transferred $ XXXX from my checking account to my Coinbase account.The transfer occurred immediately. My checking account was debited immediately. 

I had made a mistake. I only wanted to transfer XXXX. When I asked Coinbase to transfer $ XXXX back to the checking account I was told there was a hold on the funds for 3 weeks. I could not take any action until XXXX XXXX at the earliest. 

These is no reason for the hold. It is just Coinbase appropriating the float for 3 weeks for their own profit. Maybe also dealing with their cash flow issues.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (PA)

On the XX/XX/XXXX I received a letter in the mail stating I was denied a loan. One of the companies I felt had completely false information on me. For instance, in the documents attached it says that I had too many recently opened accounts, I have no idea what they mean I only opened one credit card and that was in XXXX of this year roughly. While I don't necessarily contest the fact that I don't have enough experience with loans I do have a line of credit active that I've had for the past two years and and credit card for roughly the same time, so what exactly is a time period they define as " experienced enough ''. Another point that I'm asking for clarification is how exactly does " too many inquiries adversely affect a person 's credit score? I  left a voicemail on the eve of the XXXX stating for the company to call me and if I did not receive an answer by XXXX XX/XX/XXXX. Monday ( today ) I'd file a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-12-02
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: EQUIFAX, INC. (PA)

Fraudulent account identity theft XXXX XXXX XXXX XXXX Open XX/XX/XXXX Amount XXXX Original creditor XXXX XXXX XXXX and XXXX XXXX XXXX  Unknow person opeond Original account in XXXX account was deleted from all 3 credit reports and founded as fraud Somehow after 2 years the account found its way to collection company after previously being deleted from Original creditor on all 3 reports I provided as much evidence as I could in the pictures I sent as you can see in the photos the original account was deleted and as you can see in the photos the original account number and the current account number are the same as the account that was deleted 2 years ago Could you please stop allowing the original creditor to send this account to collection agencies when the original account has been deleted and I was not found responsible for the fraudulent account
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

Re : Discover Credit Card Last 4 acct. digits : XXXX Last 4 SSN digits : XXXX Card was opened on XX/XX/XXXX, Total Credit Line : {$6000.00} On Tue. XX/XX/XXXX, the following email was received from Discover : As a result of a recent review of the Discover it card account referenced above, we have closed your account as of the date of this letter. This action was taken for the following reason Inactivity on your account ( s ) We will credit your account with your Cashback Bonus ( or Miles ) balance if you have one. If you have any questions, our service specialists are available to assist you 24 hours a day, 7 days a week, by calling XXXX Sincerely Credit Operations On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX, the service number listed on the back of the card, as well as the number listed on the bottom of the email. I was informed, in both cases, that the card could not be reactivated, and the inactivity clause was noted on the user agreement. I explained that I was saving the card for emergencies, and that If I had some advance notification regarding this action, Would have been happy to use the card in order to prevent this rather abrupt and consumer hostile action. All to no avail, my pleas fell on deaf unresponsive ears. I really feel that a professional courtesy of advance notification could have avoided all this.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (KS)

Someone opened a fraudulent account in my name. I sent all paperwork requested. Received a letter stating fraudulent account was proven to be fraudulent. The account was to be cleared up in a few months.Now I have received a letter requesting that I send all paperwork again. The company is Montgomery Ward. Please help me. I need to get this cleared up.
Consumer complaint received 2020-10-15
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. (IL)

XXXX XXXX and I agreed to a settlement amount for an account I was listed as a cosigner on. They assured me that the status would be updated with all three credit bureaus to reflect the paid with a XXXX   balance. I spoke with all three credit bureaus who stated that an update was not submitted. I was treated like a tennis ball in a tennis match regarding this matter by them and the credit bureaus. Each one off them begin to blame one another as being at fault for the inaccurate information being reported and reluctance to make the changes accordingly. The amount that is currently reported on my credit reports for this creditor is {$7400.00} with a status of written off as bad debt/collection which is inaccurate.
Consumer complaint received 2019-09-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization,  Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the items below ACCOUNTS XXXX XXXX not mine XXXX/XXXX XXXX not mine
Consumer complaint received 2019-09-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (IL)

I was mistakenly informed on a number of occasions that my IDR would be backdated to have no out of pocket costs to me and I would not have to use my general forbearance time. Then I was erroneously told I would have an administrative forbearance. I agreed to use my general forbearance time because I really was given no choice in the matter, but was told I would use a MAX of 90 days with the rest being covered by a delinquency forbearance. I received correspondence dated XX/XX/2019 re my forbearance request approval, and it states XXXX, an extra 31 days of my forbearance time I was told I would not have to use any of. I have filed three internal complaints that I have been informed have no way of being tracked or shown their effectiveness.
Consumer complaint received 2020-10-21
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: EQUIFAX, INC. (CA)

On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested, also the name XXXX XXXX XXXX XXXX appearing on your XX/XX/XXXX letter confirmation # XXXX is incorrect. On my letter dated for XX/XX/2020, I included a copy of my California driver license and a copy of my Social Security card, as I also have included a copy along with this letter to you again.
Consumer complaint received 2020-12-02
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. (TX)

XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX < -- -- ALL accounts above NOT MINE ^^^ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL ADDRESSES DO NOT BELONG TO ME. Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. Have not given written communication or oral communication on when, how and why these accounts are reported negative on report. Remove all above FCRA violation, how is this verified?
Consumer complaint received 2019-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

I was not in XXXX when the charges occurred, to prove that I am sending you copies of every page of my passport, which I have placed on today 's newspaper to prove the pictures were taken today. 

You provided me with several sales drafts, none of the signatures on the drafts, of which many were not signed, matched my signature. 

How could I be present to make charges, as you allege, when I was not in that country and provide unimpeachable evidence to prove I was not there?
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2019-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this account but was never notified of the results. I tried to dispute again and its just giving me errors on the system this is not the first time this happens. It happened multiple times with other accounts also.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I received a text message from an unknown phone number ( XXXX ). The message infers that Chase Bank is contacting me to confirm if I made a {$450.00} purchase. The message directs me to " please click on the link below '' to resolve the matter. The link is http : XXXX I DO NOT HAVE A CHASE BANK ACCOUNT ( nor a Chase Bank credit card ). I did not click on the link because I dont know if it will expose my computer/phone device to malware. I am reporting this matter to CFPB because I was directed to this site from the FTC website. If this is not the correct agency for this matter, please forward the complaint to the correct agency.