davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I submitted a withdrawal request via wire transfer on XX/XX/XXXX in the amount of {$10000.00} from GDAX ( owned by Coinbase ). Wire transfer was promised to be processed with the funds available in my bank account within 1 business day. I submitted a request to GDAX to address the missing funds on XX/XX/XXXX. I then followed up again on XX/XX/XXXX with another request for GDAX to address my missing funds. They have not replied to either requests, and my funds have not been returned.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Experian has XXXX/XXXX XXXX XXXX XXXX has on my credit file wrong information as to amount owed on the loan. 

Experian has XXXX/XXXX XXXX XXXX XXXX showing incorrect late payments and errors on my Experian credit report I have provided the original amount of the loan and a letter showing there was no delinquency information to the credit reporting bureaus. 

It seems Experian gather information base on errors and incorrect way they gather information to this account as to delinquency in Experian errors. 

XXXX was the servicing company not the loan originator/owner of the loan was originated from XXXX XXXX XXXX XXXX loan documents showing loan amount & Credit information provided stating they did not report delinquency information to credit bureaus.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

I have tried numerous times to get this company to validate their claim that I owe. They are unable to produce any evidence that I owe them. I believe this account might be related to my ex-husband. I would like them to produce a signed contract or remove this entry from my credit report and cease all communication with me.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I was notified by the police that I am a victim of identity theft, so I pulled my credit report. There is personal information on there that has not ever belonged to me : A wrong number and several incorrect names listed with name id numbers. The phone number XXXX is unknown to me and when I call it, it says " customer unavailable to take your call ''. My name is misrepresented 3 times.
Consumer complaint received 2018-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (NC)

Ability Recovery Services is currently reporting a debt of {$130.00} from XXXX XXXX XXXX XXXX on my credit report. To date, I have never received the required validation notices for the account - actually I have never received any written notification regarding the account balance or any information validating the debt. Clear violation of FDCPA.
Consumer complaint received 2018-10-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (NC)

Let me tell you I am not well educated on mortgages 1 interest rate was increased dfrom that first time offer 2 after final approval they extended that loan to loose my Rate extension, and past my dwellingins, trying to push avoid my contract.

3 they trying to avoid to take my XXXX dollars down payment. 
Loan officer XXXX XXXX told those XXXX need to put after my My first payment toward interest. Record of this call exist 4 then XXXX XXXX yell and try to stop my loan Then he told that differences on my mortgages With XXXX dollars Down will be only XXXX dollars a month, record of this call.

5 they have been pushing this loan over the date to make my rate expire I do really need help with these people.
Consumer complaint received 2018-10-27
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: Experian Information Solutions Inc. (VA)

Car loan from XXXX XXXX XXXX. on XXXX XXXX to XXXX XXXX. 
Dispute with all three credit reporting agencies to investigate and update or remove the item from my credit report. XXXX nor the CRA can provide information that the car was repossessed in XXXX XXXX. Besides some late payments during XXXX, from XXXX to XX/XX/XXXX the loan is " Pay as Agreed '' and load was " Paid and Closed ''. Due to the inability to provide written documents with my signature showing that the car was repossessed, shows that the listed item is inaccurate and represents a error. 

I am requesting that all three of the CRAs remove this item from my credit report.
Consumer complaint received 2018-10-28
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. (AR)

Remarks : XXXX XXXX XXXX XXXX Account Number : XXXX Payment Status : Late Please Change to Current Payment Status Details : INCLUDED IN BANKRUPTCY Please Change to Paid or Paying as agreed Comments : BANKRUPTCY CHAPTER XXXX Please change to none XXXX XXXX XXXX XXXX Account Number : XXXX Payment Status : Late Please Change to Current Payment Status Details : INCLUDED IN BANKRUPTCY Please Change to Paid or Paying as agreed Comments : BANKRUPTCY CHAPTER XXXX Please change to None Reason for Dispute : I believe that this account ( s ) is invalid or contains incorrect information. Please validate these account ( s ) in its entirety or remove this entry from my credit report. Thank you. 

Public Records : Reference Number : XXXX Reason for Dispute : I believe that this account is invalid ( not mine ) and contains incorrect information. Please validate this account in its entirety or remove this entry from my credit report. Thank you.
Consumer complaint received 2018-01-11
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: AMERICAN EXPRESS COMPANY (CA)

There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from American Express, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Card, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NY)

I submitted a loan modification package to SN Servicing Corporation on XX/XX/XXXX. On XX/XX/XXXX I received a letter of missing documents. On XX/XX/XXXX, I sent the servicer the documents they were requesting. They should have had a complete loan modification package by XX/XX/XXXX. On XX/XX/XXXX I received the letter of denial, how is it possible they that review my file in a short period of time? On XX/XX/XXXX I received a letter of sale. I feel like the servicer is more concerned about taking my home rather than giving me a fair chance to keep it. In the matter of about three business days they decided to deny my loan modification, how is that giving me a fair chance/
Consumer complaint received 2018-01-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, Experian refused to unlock my security freeze so that I could apply for a large boat loan. I had tried to get them to temporarily release a security freeze that I had placed on my credit report due to a previous problem. I used both telephone and internet methods to obtain the temporary release, but was unsuccessful due to problems on Experian 's end. As a direct result, I was unable to secure a loan from the bank offering the lowest interest rate, and I was forced to take the loan at a 3 % APR higher rate than was necessary. 

On XX/XX/XXXX, I wrote Experian a letter explaining all the details of my problem, and demanded that they inform me what piece of personal information they had in their database that caused my requests ( phone and internet ) to be refused. This letter is available to CFPB and will be attached below. I never received any response to the questions raised in my letter. Instead, under date of XX/XX/XXXX, I was provided with a standard form which contained a temporary personal identification number that my bank could use to obtain a copy of my credit report. Unfortunately, this information was about two months too late, as I had already closed on a loan ( at a higher interest rate ) and purchased the boat in question. Experian has not disclosed to me what piece ( s ) of information caused my request for a temporary release to be declined. Thus, I would encounter the same problem again when I may need a loan.
Consumer complaint received 2018-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

I was a victim of a fraudulent transaction, I asked my local branch of Chase Bank, which I had maintained an account in good standing for almost 30 years, to provide me guidance with the transaction. At the time they failed to provide me with correct bank policies about availability of funds from a deposited check before I can make withdrawal from that particular deposit. This resulted in a loss of {$1800.00} from my account. 

I asked for bank manager and employees help with the matter. At this point, they provided me with the relevant bank policies for the first time, but also told me that they can not assist me any further. 

I believe none of the bank employees, including bank manager,  had been adequately trained to know exact bank policies and procedures, and only educated themselves after my loss had already happened. I also believe these employees were not fit to provide adequate service to the account holders.
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

On XX/XX/XXXX, a XXXX XXXX from Fair Collections and Outsourcing called my phone # of XXXX and divulged to an unauthorized 3rd party that I owe a debt. Thereafter, this person also called my work and left a voicemail at my extension stating that there is debt owed. This, I beleive, is considered as unfair practice. 

On XX/XX/XXXX, the same person called XXXX six times which constitutes harassment. 

Secondly, i have not received any invoice or debt validation showing the breakdown of the amount of {$7400.00} that they are saying that i owe. i also would like to request for a copy of the contract.
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (IN)

Contacted the company on XX/XX/XXXX on 2 different debts one for {$230.00} and one for {$88.00} after contacting them I asked them to verify the debt and the lady said I should have the information where I was treated. I said I need a detail bill of these charges and she said you should have that already. I said may I speak to your supervisor and she placed me on hold and never returned. I called again on XX/XX/XXXX and got the run a around again. So I mailed a letter requesting the same information and the letters were returned back to me. I do n't know what else to do.
Consumer complaint received 2018-10-27
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

This is a new issues with Citibank N.A. and I have sent the ethics department copies of the promises made by Home Depot to credit the credit care for the purchase for what was done to me on XX/XX/2018 by the delivery employee that damaged my existing dryer making the washer delivery I bought from Home Depot. This was after the issues of HOME DEPOT Charging me the wrong applaince never delivered, locking me out of the credit card account and not given me the full credit. The combined issues is why HOME Depot in writing promised to credit me XXXX to the credit card, send me a check for XXXX and later some e-card. I sent this to Citibank N.A. ethics but they are ignoring it not the issues with the first complaint. I was in tears when the was done to me on XX/XX/2018 and called HOME DEPOT CORPORATE OFFICE AND CALLED UPDATING THE ftc and cfpb. Ms. XXXX made the promises in various emails, the written document and phone voice messages. Later, I found out reading emails that lead me to look outside at night and found they sent me a ups mailer with personal information thrown over the fence in the dirty by the neighbors over the locked gate.
Consumer complaint received 2018-01-11
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. (NC)

Step 1 : What is this complaint about? XXXX XXXX XXXX XXXX XXXX continually neglects to report payments & good standing to my credit report & my Husband 's credit report. 

Step 2 : What type of problem are you having? There are 3-5 month gaps between reporting which means we do n't get the points we are owed. Which does n't increase our score as we deserve. 

Step 3 : What happened? When we complain they only respond that they tried & have no control over the reporting. When I contact Equifax they just remove the account. WE do n't want them removed we want our missing points!! How can we buy a house & be fairly evaluated without the entire picture? This has been going on over a year. We paid off an auto loan as well that is n't showing on my report, but shows on my Husband 's report with missing months. 



Step 4 : What company is this complaint about? XXXX XXXX XXXX XXXX XXXX & Equifax Step 5 : Who are the people involved? Manager XXXX XXXX & Equifax
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NY)

XXXX online opt-out malfunctioning. No other option for online communication availabile ( no help email/messaging ). 

Repeatedly unable to get past improper format message despite answers being a ) from their own drop down menu and b ) correct zip code. See screen shot.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

today,XXXXXXXXXXXX I tried to unfreeze my credit report with Transunion and they required a pin that i do not know. i called and answered every question but they will ONLY mail it, which i told the rep is more risky than him unlocking it and that I had a professional Licence i had to update with an updated credit report and needed it unlocked today, no matter what i ask for they would only mail. XXXX  requires a pin but they allowed me to answer a series of questions from my report and unlocked it, Transunion is always problems, every year when i try to get my annual report Transunion always crashes online, the other 2 do not. they are NOT customer service and it 's my report not theirs. 
the reason i locked up my reports was because of the XXXX breach,
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2017 I authorized a wire transfer of {$15000.00} to XXXX XXXX XXXX, located in XXXX, HI. The wire instructions I received directed the funds to an account at JP Morgan Chase Bank in XXXX OH XXXX. The money was sent from my account at XXXX XXXX in XXXX CO XXXX. My instructions showed XXXX XXXX , XXXX as the " beneficiary. '' However, JP Morgan Chase Bank deposited the funds in an account for XXXX XXXX and not for XXXX XXXX, XXXX. In fact, XXXX XXXX, XXXX does not have an account with JP Morgan Chase Bank. Nonetheless, JP Morgan Chase Bank accepted the wired funds and deposited them into an account belonging to someone else, and the funds have been withdrawn. Chase Bank should have refused and returned the transfer since the beneficiary company -- XXXX XXXX , XXXX -- and the account number belonging to XXXX XXXX did not match.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I noticed on my credit report that an incorrect collections balance from XXXX Collections was reported for {$760.00}. I have contacted XXXX XXXX who was the original creditor, the collections agency reporting the debt, and even my insurance company to see if there was any debt from XX/XX/year>. None of them can provide anything, the original creditor and my insurance company have absolutely no record of how this debt was incurred and both have their own active investigations opened right now. The original creditor has no record of what the collections agency is reporting and has escalated their investigation to the highest level. I disputed this with Equifax, XXXX, and XXXX and all XXXX disputes were denied twice in a row within just a day or 2. I even called and told them what was happening while the 2nd disputes were still open. I have now opened all 3 disputes, for all 3 bureaus for the 3rd time. Their lack of research is appalling, I have done all of the research on my own and gotten this being investigated with the creditor and even the insurance company completely on my own while all 3 credit bureaus have repeatedly said its been confirmed accurate by the collections agency. This confirms that none of the 3 credit bureaus bothered to so much as contact the original creditor for proof of the debt, if they had then they would know that there is no debt they have any record of reporting for me from XX/XX/year>.
Consumer complaint received 2018-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (TX)

XX/XX/2017 To XXXX XXXX I am advising you in this letter please do not contact my job or references any more. The only way of contact is through mail. If I or any of my references receive any more calls I am reporting you to the C.F.P.B. I do not have the money to pay yall right now I am sorry. 



Thank You, XXXX XXXX This is the actual letter I sent to the company listed above and they are still calling my job and cell phone. I requested to only have contact by mail. My job is on the line behind the harassment calls and I will involve my lawyer.
Consumer complaint received 2019-05-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ERC (IL)

Im not even sure what account they are referring to because I have expressed to them that the lease company XXXX failed to pick up their product after I called them and informed them that I am no longer wanting the product. They proceeded to make a deal with the guy that still lived there and after that I am unsure of what happened, I was not contacted by them at all until the account was sold to ERC apparently. I am not fond that they are now calling my employer asking for me and informing the person answering the phone that they are indeed a debt collector. It is embarrassing and it creates a bad image on my behalf with my employer. Im not even sure how they found out where I work at because I never gave them that information.
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (NY)

Volkswagen Credit 's website avoids telling consumers what their actual balance is. The account details page has nothing about balance, the payoff quote page does n't give payoff quotes, just asks for bank account numbers. Nowhere on the site does it have anything about balance. There is a corner where you can download pdf files for offline viewing which so helpfully have PAST statements about two months old, though these focus entirely on the billing aspect, deemphasizing the remaining balance. 

However, since I 've made a couple large payments recently, it goes so far as discouraging further payments until two years from now. It suggests I do n't make another payment until 2019 XXXX, and makes a huge deal about how " nothing is due '', and " no payments necessary ''. 

In short, they want consumers to be uninformed about what they owe and let their balances sit and accrue interest.
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I purchased a car from XXXX XXXX XXXX. I had full coverage and gap insurance. The car was totaled out in a wreck that was not my fault. The insurance and the gap insurance paid it in full. 
Now XXXX XXXX XXXX is reporting on my credit that I owe XXXX. I do n't owe XXXX XXXX any money. Please help me if you can about this because this is not right
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IN)

I have been hung up on multiple times. Called and harassed the whole month of XXXX about a payment that was made and denied to speak to a supervisor. I just want to know where my money is going. Every month or every other month it is the same thing and it should not be this hard. I send in my coupon and fill it out where my money should be applied. They take it upon themselves to put money wherever they choose to put it, then harassed me and say that I am late, or my rates are increasing because my escrow is low. They sent me all of my payment information and it only shows half the information and is not helpful at all. I really want to know where my money is going and need help resolving this issue. Hours on the phone, and emails and nothing is resolved. This mortgage company is beyond awful and I refuse to give them more money for them to do whatever they want with it. I have stellar credit, and do not want them to report badly. I ca n't refinance because my payments to them are so messed up that I 'm not sure how much I owe and what information is actually correct. They need to be out of business because they do n't know what they are doing!