davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

I transferred XXXX Stellar Lumen cryptocurrency worth US {$76.00} at the time to my account at Coinbase, following their instructions. When the money was not received I asked about it and they claimed I had to send them more of the same cryptocurrency to prove the transfer was for me. I told them I sent all I had, and all they did was parrot the same lines again, and later on, ignore me. They are supposed to return the crypto to the originating account after 30 days if they can't apply it. Instead, they fraudulently kept it for themselves. The record of the transfer transaction is here : XXXX XXXX XXXX
Consumer complaint received 2021-12-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

I came off of forbearance in XXXX of XXXX due to my industry being shut down due to XXXX. I had began the process of submitting an application for a loan modification to Loancare LLC. I was also assigned a single point of contact that did not actually exist. Every time I called I spoke to someone different, and was given different, incorrect or insufficient information every time. After 9 months of going back and forth, Loancare finally accepted my application and has considered it complete. They sent me my trial payment period plan offer. I have until XX/XX/XXXX to accept their offer. This is also when my first payment of the trial offer is due. At the same time they sent me the offer, I got approved for a grant for mortgage assistance for almost the exact amount I am behind on. When the company reached out to Loancare to retrieve my file- Loancare told them that they can not accept my assistance because I am already entered into a modification. I have not agreed to or signed anything or made my first XXXX payment! They have dragged out my loan modification application process for an extra 9 months, without allowing me to make payments, putting me further delinquent. I took extra steps to get approved for mortgage assistance and they will not accept it. They told me numerous times to send in the same documents over and over again while submitting my application. Many times I had to start all over again, due to them stating it was incomplete, even though I had proof of the email with the documentation. They would mark my application as incomplete without notifying me if other documents needed. They are purposefully making it difficult for customers coming off forbearance. They are trying to set people up for failure and take peoples homes since the equity in all homes is sky rocketing right now. I am sick to my stomach from their tactics. I am so worried that by the time I can get someone to help me, my opportunity to have receive the assistance will be gone, since it is a first come first serve basis, and Loancare will get what they want, and force me into agreeing to the modification.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AZ)

I have settled an account with chase and they are still reporting charged off instead of settled on my credit. I have the letter showing it is settled and they will not update credit to reflect that. They told me that the credit would be updated to reflect that and it is not.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MN)

I have attached a letter from a credit reporting agency stating they have done multiple reinvestigations with a third party vendor verifying the bankruptcy in question. The third party vendor LexisNexis doesnt have a reported bankruptcy against me on their credit file held under my SSN number. How is the credit reporting agency verifying data during a reinvestigation with LexisNexis when theres nothing there to verify? Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. LexisNexis furnished this inaccurate unverifiable information to the credit reporting agencies, so they must furnish new information to the credit bureaus to remove the information.
Consumer complaint received 2021-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (FL)

XXXX # XXXX I took out a loan with Lending Club and as of XX/XX/2021 the payments were supposed to be sent to the creditors I chose to pay off with this loan. They stated to give it 4-7 business days for the payment to reach. This would have been XXXX/XXXX/21. I have since called them every day and sometimes twice a day to find out where they payment was. As of XXXX/XXXX/21, the 1 creditor which had not received the payoff sent notice to the credit bureau and marked my count as delinquent. Because of this, my credit score dropped a total of XXXX pts. I am under contract and trying to purchase my first home. This credit score drop could really hurt this and it's not my fault. I really need someone's help asap. This has now been going on for 6 weeks. And, I keep having to pay my previous loan. Also, payment is due to Lending Club, but I don't feel I should have to pay for something I have yet to receive the benefits of! When is enough enough?
Consumer complaint received 2021-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. XXXX feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MD)

Ive called an talk with customer services since XX/XX/2021 an was told my account is paid in full an that they would update it on 3-5 business days. On XX/XX/2021 I received a congratulations letter Indicating that I paid my account in full. When I dispute the balance on my credit report it came back indicating that I owe the balance an that the information is correct when its not correct. I paid the balance in full an I have proof an I want the information corrected.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/2022, Sent letters out to all XXXX credit bureaus. Its been over 30 days for them to investigate this matter. This information on my consumer reports is hurting my credibility and my lively hood. 

If I have to wait longer please inform all XXXX credit bureaus to do a proper Investigation according to the FCRA a proper " investigation '' The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Thank you.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

I went to XXXX and tried to purchase an excursion package, however the company cancelled the excursions due to bad weather and told me that I would not be charged. After returning back home I still did not receive my full refund so I contacted Chime in order to file a dispute. Chime processed my dispute but told me I was not eligible for a provisional credit, however I should receive my funds back in my account within 10 business days. 10 business days turned in to 20, 30, and 60 days later. I have contacted Chime over 20 times and have been hung up on over 5 times, on hold for hours, transferred all over the company, been told I would be contacted several times and never contacted, and given the run around over and over. 

Then I was told that legally I would definitely get a response and resolution within 90 days. However when I contacted them on XXXX ( 90 days XXXX I was told it was not resolved and they need more time. I was told they would escalate the case and I would definitely be contacted within XXXX business days. As usual no one contacted me. I sent and email also and no one contacted me. I contacted them again today XXXX and was told they need to escalate the case again and they are sorry there is nothing they can do. 

This is the worse experience I have ever had with any company, not to mention a bank that is in control of my personal finances. This is ridiculous!
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NC)

I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX
Consumer complaint received 2021-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MS SERVICES LLC (OH)

Recently went to check my credit score on XXXX. Upon doing so I discovered a report on my credit report for unpaid tuition, not a student loan, at my local community college. I called the number and requested verification of the debt because I do not believe it is mine. My parents chose to enroll me for my senior year, while I was still a minor. They asked me to give them my address. I stated that I would not, but that I would give them an email. The representative stated that the company did not use email. In response I said that they were required by law to provide me verification of the debt in writing and the email qualified as in writing, on the other hand I am not required to disclose information to them. I was hung up on by the representative. I called back and was told I would receive a call from the supervisor. At this point I have received no call. The company is blatantly refusing to provide verification of the debt. In addition I have received no documentation from them whatsoever. The only reason I know about the debt is because I checked my credit score.
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

This complaint involves company XXXX XXXX XXXX XXXX who is illegally and it's two collection companies XXXX XXXX and Diversified Consultants. In XX/XX/XXXX I contacted XXXX consultants and requested validation of a {$830.00} debt as it is invalid and does not belong to me. They were unable to validate and removed it from my account. XXXX XXXX XXXX XXXX then sold the debt to XXXX XXXX in XX/XX/XXXX. Once again I had my attorney send them written request to legally validate this debt as it's invalid. XXXX XXXX responded by removing it again from my report. For a 3rd time in XX/XX/XXXX it went back to Diversified Consultants who again I sent letters of validations. As of XX/XX/XXXX it was removed from my credit as invalid. 

Today I was notified by my credit monitoring service that for a now 4th time the debt has been transferred back to XXXX XXXX who is illegally reporting this debt on my credit report. I have asked them on two previous occasions to valid this debt and they have not. 

I have also contacted the original company XXXX XXXX XXXX XXXX directly about this debt on XX/XX/XXXX and XX/XX/XXXX and the information they provided was that this debt is for equipment charges that was not returned. I provided copies of the receipts at that time that the equipment was returned using their requested method which was XXXX. Tracking numbers were XXXX and XXXX. The customer service rep advised she could CONFIRM that it was returned and the equipment is now being used by another XXXX XXXX XXXX XXXX customer however I am still being charged for it as unreturned. I requested to speak with a manager and explained to that manager how could it be legal to charge me for unreturned equipment when you have confirmation it was received AND that it is now being used by another one of your customers. If I am being charged {$830.00} for equipment that equipment should now belong to me as my property not being used in the home of another customer. The manager at that time resolved the issue by having the collection companies remove it. Unfortunately however they wait a few months and trade it back and forth and place it back on my credit report to damage it. I have to keep battling the 3 companies together from damaging my credit report. 

I ask that you please assistant me with FINALLY resolving this illegal matter.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On friday XX/XX/2021 I received a check from the state of Illinois in the amount of XXXX due to the amount of the check I was unable to use Chase mobile deposits, it was late in the evening so I went to my local branch to deposit the check via ATM, I totally understand that those funds probably wouldnt be available until maybe following Wednesday due to the holiday weekend. I dont have a problem with that at all. On Sunday XX/XX/2021 I went to use my debit card and my account had been frozen with no explanation nor notice via email or phone from Chase bank. I finally received something from chase on XX/XX/2021 to contact them. I called and finally talked to someone in deposit holds and then I was questioned about why the state of Illinois is giving me this amount of money I refused at first and basically was told tell us or else. This financial discrimination must be stopped! Meanwhile my accounts are still on hold! I was told to go to my local branch if I needed money. How do they Im able to do so. Ive been embarrassed and my privacy on how and where I get money was invaded! Chase should be held accountable for the actions they take against its customers,
Consumer complaint received 2019-02-01
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (AL)

I got a student loan for my son to go to technical school lost my job and had to do a forbarence inXX/XX/XXXX then i went back in the military and was shipped overseas inXX/XX/XXXX andXX/XX/XXXX during this time they kept charging me interest on the loan, then they told me the loan had been bought by different loan companies, and added colection fees and interest fee everytime it was so called bought by another loan facility, so i got bills from 5 diferent loan companies, inXX/XX/XXXX i got in touch with the loan company and they said if i paid 12 consistant payments that it would take it out of default and i did so the time for the 13 payment they started garnishing 15 % out of my check my wife goes to the XXXX center every 3 weeks and i need help, AND WHEN I LOG IN TO THERE SITE ON THE COMPUTER THEY JUST SO HAPPENS NOT TO BE ABLE TO FIND WHAT IVE PAID OR RECONGNIZE ME
Consumer complaint received 2021-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. I know you guys have 30 days to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been well over 30 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 please help me with these negative items on my credit report it has been well over 60 days at this point I demand for these negative items to be removed it has caused me stress and failure to get employment please and thank you
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (PA)

I used Remitly to transfer money from US to XXXX and they promised to transfer within 4 hours and charged {$3.00} transaction fees. My USA account was debited immediately, but even after 10 days my recipient did not get the money. I called them 5 times ( 3 times by chat and 2 times by phone ) to get a Proof of Delivery and still did not receive it. 

Details below : Transfer No. : XXXX XXXX XXXX XXXX DELIVERED XXXX We have confirmed funds were deposited to your recipient 's XXXX XXXX XXXXXXXX account. Your transaction is complete and we hope to see you again. 

ARRIVAL TIME XX/XX/2021 XXXX XXXX PST ( XX/XX/2021 XXXX XXXX IST ) TRACK YOUR TRANSFER Your debit card Remitly Recipient 's bank Recipient 's account Success! Your deposit has been confirmed. 
XX/XX/XXXX, XXXX XXXX PST
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Hi, Account shows opened on XX/XX/XXXX for {$470.00}. Not my account at all. I never opened this account and it is messing up my credit score.
Consumer complaint received 2021-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NV)

I had an opened dispute with Citibank for the charges {$4000.00} from the merchant XXXX XXXX XXXX back on XX/XX/XXXX. And I had multiple supporting documents where it shows this company is scam and they were selling defected and wrong product. Citibank had all my supporting documents and all these months I was hoping they will resolve this fraudulent charge and they will credit back the amount to my account but after 8 months dealing this problem with merchant and with Citibank I got a letter from Citibank on XX/XX/XXXX where it says they are closing the dispute and I'm responsible for this charges. 

Me and my sister had the same problem with the same merchant and my sister had a XXXX XXXX account and she opened the dispute with her bank at the same time as i did and we both had the same supporting documents and proofs, she got her money back already a long time ago and her case was closed in her favor but my bank, Citibank, within these 8 months didn't give me any reasonable explanation why they couldn't resolve this issue in my favor. 

Please investigate this matter and if you need any additional information please contact me at XXXX. 


Attached you'll see all supporting documents for this transaction. 


Best Regards XXXX
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CT)

During the height of the COVID-19 Pandemic, someone accessed my personal information and proceeded to open a checking account with a banking institution. Once opening an account they proceeded to use fraudulent checks to deposit and withdraw in an account in my name. I had no knowledge of this account as this wasn't an institution that I banked with previously. I was made aware of the problem once a notification was sent out via mail that the particular had been closed out. I tried calling the bank 's customer service representatives however during the pandemic waiting hours on the phone were 4-5-6 hours long. As a result, I was not able to get in contact with the banking institution until this year. All of this has affected my relationship with other institutions and negatively affected my credit. The particular institution did send me an identity theft packet and this complaint is for the records of the FTC and the bank. The checks were deposited and cashed in Mid XXXX, Early XXXX of 2020, and the amount of the checks were {$1700.00} that is said to be owed from the fraudulent checks deposited into the account opened using fraudulent information. Chase Bank soon thereafter closed out the account with a negative financial inquiry under my name and identification.