davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This creditor/collection agency is re-aging this account as if it is new debt and is illegal under the FDCPA and the FCRA. The debt is much older and statute of limitations has elapsed on this debt. This company is showing this on all 3 of my credit bureaus as recent debt. 
This agency admits to getting the loan in XX/XX/XXXX. However, the delinquency was in XX/XX/XXXX. This is still reflecting on my credit report as XX/XX/XXXX, which is still violating FCRA and FDCPA.
The agency states the loan was done in XX/XX/XXXX. The original debt was created in XX/XX/XXXX, which is 7 years ago.  This exceeds the credit reporting timeline. The agency should provide my initial original loan application with my original signature. The agency continues to report inaccurate date and has yet to provide proof of debt. The agency continued to harass my with calls and threats to destroy my credit. The did not state who was the original creditor. It appears they did not care until I filed these complaints. 
I need to see a copy of this agency 's surety bond per the Texas Finance Code. In addition, XXXX was under investigation from a probe by the US Federal Reserve and Office of the Comptroller of the Currency found that there was " significant potential for unreported money laundering or XXXX financing, which they admitted and paid a fine. This debt is invalid due to it being associated with criminal activity. My initial loan was with XXXX it was not with XXXX XXXX. All documentation this agency continues to send it with XXXX XXXX. I have no application or contract with XXXX XXXX. This debt is not a valid debt as there was no mutual agreement with XXXX XXXX.
Consumer complaint received 2017-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

Many XXXX XXXX phone calls with 3 conversations with their representatives ( latest conversation was on XX/XX/XXXX ) explaining that the debt they are trying to collect is a result of identity theft and all required documentation was submitted to both the original creditor : XXXX XXXX XXXX and current creditor : XXXX , XXXX. The documentation included credit cards with XXXX XXXX that were in good standing with proof of address, FTC identification theft affidavit and City of XXXX incident report regarding identify theft were submitted on XX/XX/XXXX.Thereafter, no calls were received. However, since XX/XX/XXXX, started receiving phone calls. XXXX XXXX said the bought the outstanding loans from the XXXX , XXXX. Then, I received another letter dated XX/XX/XXXX from XXXX XXXX stating that XXXX , XXXX is willing to accept payment of {$190.00} within 30 days! This despite all documentation was provided disputing the charge.to everyone involved.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I went to make a purchase online using my credit card. The transaction was declined. My bank advised me the transaction was being routed through a XXXX bank. Soon after I started getting calls from XXXX ( a Michigan # ) trying to get information about my card for a better rate. This is clearly an attempt at executing some type of fraud.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

My identity was stolen. I have never had an account with XXXX and now they sold the debt to a company called Franklin Collection. When the account was established with XXXX I was in prison at the time. I have sent the XXXX and Franklin Collection letters stating my situation and asking them to remove the negative mark off of my credit, but both of the companies fail to do. Im tired of the wild goose chase and the damaging effects this is having on my life. My hands are tied and I was left with no other option but to turn to you guys for help.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

I have sent multiple letters to the creditor and CBs about the unknown and unauthorized inquiries on all three of my CB reports! I have called the CBs multiple times and spent several hours on the phone disputing information that was n't mine : multiple addresses ( unknown ), multiple names, multiple social security numbers, as well as phones number 90 % of all my personal information is incorrect! I 've asked for letters of validation from creditors and CBs ; with zero response from the creditors and the CB always saying it 's verified- but never shown proof! When I asked about removing all the incorrect personal information they said I had to reach out to the creditors to clear that up ... and inquiries that I do n't have any idea of they said inquiries are fact, regardless if do it or not, and I needed to contact the creditors -- - THIS HAS BEEN GOING ON FOR 2 years and I do n't know what else to do! Please help! I 've sent all kind of letters and called and sent letters and called -- -- NOTHING!
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for FL FED Bk CT-XXXX which are XXXX on XXXX, and XXXX on XXXX and Experian but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of thisbankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NV)

I have a two Chase Accounts. One the payment is due on or before the XXXX of the month and is paid by me on the XXXX of each month and there is no problem. However the other Chace account is due on the the XXXX of each month. I pay this one on the XXXX of each month as well ( early ) The Chace account that is due on the XXXX charge a late fee if you pay early. Most credit cards if you call them and let them know that you were not late and it is in the companies error, they will credit your account the late fee as you are on the phone talking. Chase does not do this. Chase wants your late fee first and then credit you later. I believe this is totally wrong as a consumer and it is penalizing the consumer that pays early or on time. This has happened twice so far the most recent today on XXXX XXXX, 2017. the last one was XXXX XXXX 2017 I believe. We have talked to a representative and they will not credit the late fee of XXXX. I would like this looked into for others that are having the same problem, Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2017-08-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

The problem is n't really listed. I attended the aforementioned school which made many promise to those who attended during enrollment. This lead to a class action lawsuit filed against the school representing thousands of students spanning 14 states in which the verdict came down against the school. I continued to make student loan payment for a while of over {$350.00} a month even though I didnt receive any of the things that XXXX had promised. I became ever more frustrated as the company know as XXXX XXXX back then ignored my plea to fulfill what the school had promised themselves or find someone else to do so, especially since they still planned to charge me almost triple the price through the terms of repayment for services that I did not receive from the school itself. So I look for help and was contacted by a company called Consumer Protection Council, who present me with their program that was supposed to deal with this issue but also provide legal defense ... which as of earlier this year stopped because of some legal issue against the owner of that company. So that is where it stands right now. The school mislead me and those who attended it which has been established by the class action suit, but am unwilling to fulfill what was agreed upon between the school and I ... but charge a highly inflated price for services that I had not received. So I will virtually be paying for nothing.
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

As the executor of my father 's estate, I wanted to continue using the two bank accounts he already had set up with Wells Fargo. I conveyed this desire to the Wells Fargo banker when I set up the estate account ( last 4 digits are XXXX ), and he said there was no problem with that, and we set up the account. I would estimate that a few months ago, I received a phone call/letter from the insurance company that was being paid out of my dad 's old checking account. The auto payment that was set up had bounced back. When I contacted Wells Fargo about it the first time, they tried to tell me it had nothing to do with my accounts. Then I discovered that my father 's checking and savings account had been locked. Upon further time consuming phone calls and branch visits, I was told that a " back office '' Wells Fargo employee had taken it upon themself to lock my father 's old accounts. After a great deal of wasted time, the banker at the WF branch next to the XXXX XXXX XXXX XXXX in XXXX XXXX CA told me that my only option was to close my father 's 2 accounts and move the funds to the estate account. This was NEVER raised as a problem when I first opened the estate account with Wells Fargo, and the banker who I did it with clearly knew that I was also managing my deceased father 's two accounts. Wells Fargo also mailed a check to my father for {$25.00} which I unfortunately mis-placed. Unfortunately, the letter that accompanied the check did not state what it was for. I can only speculate that perhaps his local branch had opened accounts he did n't know about. My efforts to have Wells Fargo re-issue that check have been blocked every step of the way. I 've worked with XXXX ( sp? ) at the XXXX XXXX branch, who had put in multiple calls to his Wells Fargo colleagues during the past 2 months, but alas, has nothing to show for it. I 'm disappointed that : A ) Wells Fargo did n't tell me originally that it would be an issue to keep my father 's checking and savings account open. B ) I learned that they froze his accounts- not because Wells Fargo staff contacted me to tell me, but after my insurance company 's auto-pay transaction did not go through b/c Wells had frozen it. And, the first time I called to ask about this, the Wells Fargo person erroneously told me the bank had nothing to do with the transaction not going through. C ) Getting a simple check re-issued for {$25.00} has turned into a saga with Wells Fargo, and even working with a local banker, it appears to be impossible.
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Hi, in XX/XX/2017 I received a Quick Pay of {$400.00} by mistake on my Chase account. Days later Chase representatvies contact me to authorize the return of the funds to the original person.
After 5 minutes, i did authorize it however on XX/XX/2017 Chase withdraw twice the amount ( {$800.00} ) from my account. After I notice it I call them twice, after +1hr on each of these calls they have n't be able to return {$400.00} that were withdraw by mistake from my account.
I do n't know what 's going on, but I ca n't believe that it took me 5 minutes to authorize the return of the funds, and is been days trying to get the mistaken withdrawn funds to my account.
I do n't know what else to do, i open a customer service request, talk with different people and is been a waste of my time. The bank should be responsible and return the funds and then figure out where the money went. My name is XXXX XXXX thanks
Consumer complaint received 2018-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

I have a Coinbase account holding {$20000.00} in XXXX and XXXX of XXXX. While trying to make an additional purchase of XXXX with a bank account linked to the coinbase account I accidentally overdrew my bank account. Giving an insufficient funds notice for {$1500.00}. When I tried to use the buy sell feature on my coinbase account on XX/XX/XXXX. It said I needed to cover the {$1500.00} from my attempted purchase of bitcoin that had insufficient funds in my bank account. 

I completed payment of that {$1500.00} from my USD wallet on coinbase. It said thank you for payment and showed that I owed {$0.00} Assuming that I had now unlocked use of my account and access to my funds I was surprised to see that I got a message saying Payment required. 

When I click on that message it says that I owe {$0.00}. 

I contacted coinable customer support by phone on XX/XX/XXXX and they said my case would have to be looked at by a specialist. They gave me absolutely no timeline of how long this could take for me to have access to my funds. After speaking with phone support i was sent this email : Hi -- -, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 


I called customer support the next day and was met with basically the same answer that they have no idea how long it could take for me to have rightful access to my funds.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (FL)

I divorced my spouse over two years ago and want my name removed from the mortgage at XXXX   and XXXX XXXX credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that M & T bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to XXXX  andXXXX XXXX. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

to whom make concern ERC collection company claim that i owe them XXXX for an utility bill XXXX i have disputed the account which they fail to reported to the credit bureaus my initial letter i send to them was in XX/XX/2017 and the other one on XX/XX/2017 by not reply in a timely manner to my initial letter you signed for on XX/XX/2017 you have not only violated federal laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (WA)

I paid and closed my Elan Visa credit card on XX/XX/XXXX. It is a secured card and the company has not reported it closed to XXXX or XXXX, nor have they returned my {$300.00}. I called and they said even though I had paid, I would have to send a letter stating to close the account. I did that in XX/XX/XXXX and they have not returned my money nor has the credit report been updated. I have a perfect credit history with them and there is no reason not to return my security deposit.
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (PA)

NetSpend has a policy of charging fees for every transaction including other companies errors. I had submitted a XXXX dollar payment to XXXX XXXX and was apparently charged twice and although it was said to be reversed, I was still assessed a fee. The customer service representative was off shore and tried to dispute me even before having the transaction on his screen.
Consumer complaint received 2017-08-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I sent a wire transfer amount of {$8500.00} dollars on XX/XX/2017. Now it has been 3 days, the fund is still not available. The company, Coinbase Inc has promised on their website and with email that the fund will be available within 1 business day same as any other wire transferred funds.
But now they do n't even reply to my emails anymore. After promising to get the problem fixed.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed many times inquires on transunion, XXXX and XXXX that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

Recently, I started trying to establish credit by applying for credit cards. The various companies in which I applied for credit sent me decision letters stating that credit could not be approved as they could not confirm my identity.   Moreover, I was notified that my social security number was being used by someone trying to collect death benefits.     I am definitely NOT deceased and very much alive!   Attached are copies of my social security card and state ID.   Please note that I am not to be confused with my father, who has the same name!   My information should read  XXXX   XXXX   XXXX .
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have disputed many times inquires on XXXX, Equifax and XXXX that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid this account in full but when I checked my credit report it is still showing that my balance is {$1000.00} and that it has n't been updated since XXXX XXXX, 2016. I have received my title for the vehicle which further indicates that the loan is paid in full.
Consumer complaint received 2018-03-10
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. (MN)

I am a victim of identity theft. I have been writing to Equifax for several months now trying to get this information removed from my credit report. I have sent them over 5 letters not and they fail to respond to the problem. I have requested the information be removed from my credit report.
Consumer complaint received 2017-08-04
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: Fidelity National Information Services, Inc. (FNIS) (GA)

On or around XX/XX/XXXX I submitted a dispute with ChexSystems in regards to some misleading information on my ChexSystems report. After about 45 days, I never received a response in regards to my dispute.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax keeps placing unauthorized information on my credit report. A few weeks ago I had to file another CFPB complaint because Equifax refused to correct their errors.     In response to that recent CFPB complaint Equifax sent me a copy of my credit report that shows : ALERT  ( S )  : File Blocked For Promotional Purposes However on  XXXX / XXXX /  XXXX    XXXX  I visited outoutprescreen.com and elected to opt IN to be able to receive preapproved credit and insurance offers.     Furthermore I do not recall ever seeing this message on my Equifax credit report, therefore it is something they have recently added.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (NE)

I had accounts with Synchrony Bank ( CD 's and Savings ). I liquidated accounts to move to another bank with higher interest rates. Synchrony Bank made errors when they liquidated my accounts and when sending the wire to my new bank. This error caused my funds to be held for several days as Synchrony Bank tried to work out thier errors. When this was all said and done Synchrony Bank sent some funds via check and wire transfer. When I noticed I was missing some interest payment Synchrony Bank did a review. They said they found that I was missing over {$900.00} in interest payment which was close to my figures of {$1000.00}. The bank claimed that I would recieve a check for the back interest. Several weeks went by and I never recieved the check. 
I have called Synchrony Bank several time over the last few months always getting someone new and different answers. 
1. I was told I have no accounts.

2. I was told that checks for the back interest were comming.

3. I was told that the bank did research and no funds were owed to my.

My figures show they owe me back interest. The bank agreed but is no longer taking my calls for this payment serious. Can you help?