davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NV)

I have always made every payment on this Wells Fargo account on time and I was assured of this because the payment arrangement was made via WF " auto-pay '' system.I was told that due to a glitch I their own system a payment was not recorded properly and I now was showing a late payment on my and my husband 's ( XXXX XXXX ) credit records. I had believe them when they discovered it and said they were responsible for it, yet they have never corrected the late payment on mine or my husband 's credit files with the ( 3 ) credit bureaus.
Consumer complaint received 2018-02-15
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. (CO)

What is this complaint about?

When applying for a car loan the credit report from XXXX/Equifax is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now.

What type of problem are you having?

Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX  but through a pull from someone else the score shows as ranges XXXX to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records.

What happened?

I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity.

What company is this complaint about?

Equifax, XXXX, and XXXX.

Who are the people involved?

Myself, XXXX.
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Coinbase, Inc. (IL)

I utilized coinbase to purchase crypto currency in the process I was charged the legitimate amount but then charged again the same amount. I paid a total of {$850.00} and the company withdrew {$1700.00} from my account resulting in me having to transfer money right away last minute. I am now left unable to pay for upcoming bills that are due.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Seterus, Inc. (WA)

Seterus Inc. Dispute beginning XX/XX/17. Believe that Seterus Inc., in  violation of the FCRA and the FDCPA when reporting this account to the credit reporting agencies.
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SIMM Associates, Inc. (AE)

On XX/XX/XXXX, I was notified by XXXX XXXX Customer Service my account was in collection and was sent to XXXX XXXX XXXX ( Contact # : XXXX ). This was the first time I was notified I was overdue. I have not received any notifications from either XXXX XXXX or the Collection Agency ( XXXX XXXX XXXX ). I immediately contacted the Collection Agency to figure out how this happened. 

History : On or about XX/XX/XXXX, I purchased some items from XXXX XXXX XXXXr. This line of credit was through XXXX. On or about that same year, XX/XX/XXXX, XXXX closed the XXXX XXXX XXXX website requiring XXXX XXXX XXXX XXXX XXXX to link their XXXX accounts. I linked my accounts, as required and requested by the website. Additionally, I verified it was done by trying to re-register, but it gave me an error stating my account had already been linked. In addition to my XXXX XXXX XXXX I have a XXXX XXXX  Account. The registration should have linked my overall XXXX account, but I am unable to see my XXXX XXXX XXXX account status ( website is shut down ) or unable to see a balance on my XXXX Account. 

XXXX Customer Service/Collections stated they sent email messages and mail to my home address listed. I always monitor my account information and update the address as needed. XXXX XXXX   stated their process is to send out email notifications first, followed by letters to the address on file and as a last resort calling the phone number listed. 

I was not afforded my due process to respond to a debt prior to collection. Furthermore, since the systems were not linked, I was unable to see a remaining balance due. My account has been overdue for over 400 days yet nothing reflects on my credit report. How can a consumer be charged late fees and interest on a balance he or she is unaware they owe due to a poor notification and system miscommunication/technical issues? 

Over the 400 day period, my balance went from {$170.00} balance owed to {$360.00}. The difference in balance can be attributed to late fees and interest charges. I do not dispute I owe a balance of {$170.00}. I made those purchases and do not dispute the charges. The remaining {$190.00} ( interest and late fees ) is a gross overcharge and should be reflected as a bad credit card practice when the consumer has no knowledge a balance is due. As a consumer, I should have protection and provided due process.
Consumer complaint received 2018-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION (VA)

Based on my research, the loan was established in XX/XX/XXXX and it was paid in full in XX/XX/XXXX, later receive a notice showing balance of {$620.00} of late fees, later we spoke to a rep in reference to that amount and as per discuss, If we pay {$260.00}, they will relinkgage the balance to zero and send us the title, as of this date today 's date on XX/XX/XXXX, We still have not receive the title until remaining alleged balance and interest charges still acrued. We would like to have this matter investigated and our title release.
Consumer complaint received 2018-02-15
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: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX last year there were some hurricanes that affected several states including ours. We were contact by CHASE offering to provide a 90 day grace period on mortgages. We contacted the bank and took up the offer. We were told that prior to the 90 day period ending, we should contact the bank to make arrangements for payment. We went in to a local branch assuming that the payments would just be added to the end of the contract. NO - they wanted the three back payments at once. We are retired and on a fixed income and let them know that. The local office gave us a number to contact which we did. In the meantime, we got a letter threatening foreclosure on our XXXX XXXX property. We tried dealing with the Bank but were getting no where. We contacted your office and you sent our complaint to CHASE. There response in XX/XX/XXXX was to take our XXXX XXXX home off foreclosure and extend the 90 day grace period for another 90 days ( we don't have to pay until XX/XX/XXXX ). WE DON'T NEED OR WANT THAT. We have been making our regular payments ON TIME since the first 90 day expired. However, what we have found out is that they have reported us to the credit bureaus as late on both my report and my husbands. According to the email that offered the grace period CHASE wasn't going to report this option as late. Also on our monthly bills, the amount that shows as due is the full 90 days PLUS the current month. We have no problem with making the current payment but there is no way to pay 3 months back payment.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (IL)

I am not a chase customer but continue to receive credit monitoring alerts from chase credit journey. I have contacted them several times about the service and n do not want to receive emails or credit monitoring service from them. They continue to ignore me and my rights as a consumer. I do not need them to monitor my credit or want any of there services. I am not a chase customer.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

On XX/XX/2018 I disputed a collection account with XXXX and XXXX  being reported by XXXX XXXX XXXX and both credit reporting agencies responded back that the account was verified as mines. I have never had an account with XXXX which is the company ERC is collecting for and also I have NEVER received any correspondence or letters from ERC about this debt. I have no knowledge of this account and I have never opened any contracts with XXXX. This negative information being reported is negatively affecting my credit and I want it removed immediately
Consumer complaint received 2018-02-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

My credit report shows a 90 day late payment for XX/XX/2015. This is an error and was in forbearance for that time. The account is in good standing and have spoke to them about this a few times and was assured the issues would be resolved. Still on my credit report 3 years later.

The payment history/rating is incorrect.

The creditor agreed to change account information.
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2017, at XXXX XXXX, I went to the Wells Fargo Branch located at XXXX XXXX XXXX XXXX XXXX FL, XXXX, NC, XXXX to withdrawal cash in the amount of {$30000.00} from my personal checking and savings accounts. 

I was promptly told by the teller that I would have to sit down with a Banker to discuss taking that kind of money. I explained that I did not need to speak with a banker to withdrawal my funds. She then went to the manager who said they did not have enough cash in their vault and offered to give me {$10000.00} cash and the rest in a cashier 's check, which I would be charged for. 

I explained that this is unacceptable. 1 ) I should not be charged to take money out of my account, 2 ) I should not have to visit multiple banks to take out my cash, 3 ) I should not have to speak with a banker, so he can ask questions why I am taking cash out while he markets products to me. 

The manager said he would call other branches to see if I could visit their branch, and I declined. See # 2 above. The only other option was to take a cashier 's check where funds would be available next day ; however, I believe I should have access to my funds on-demand within reason. I do not think it is unreasonable to take out {$30000.00} cash for my own use without being charged.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (GA)

My credit score is like a roller coaster up and down. Someone is using my identity to buy things and send money to people I don't know. Someone pretended to be an agent from FTC and scammed me out of money.I started noticing this about two months ago. Companies pretending to be a loan company and say they can't loan you money but they can help you if you just don't pay your bills and hire them to represent you for so much per month for so many years. Then there Insurance scams that you can get real cheap Insurance and when you call it's at lease twice as what you are already paying. I can ' even get a home equity loan because of this because some max my credit cards account out.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

Chase Card ( s ). Sent disputes beginning XX/XX/17. Filed disputes requesting creditor to remove negative items if not reported to the credit reporting agencies in compliance with FCRA and FDCPA.
Consumer complaint received 2018-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Ditech Financial LLC (AL)

I contacted Ditech on XXXX regarding my account statement from XX/XX/XXXX, it shows Fire Insurance Coverage. Unfortunately, I tried to email customer service but the representative gave me an invalid email address..I never requested/authorized for fire insurance service. I have a personal loan for this account. In the past, Ditech reported this account as a mortgage loan. I did dispute with credit bureaus. I would an investigation for this issue. 
1 ) Was I charged for this service? If so, how much was the monthly fee? 
2 ) If so, when did service begin and end? Did it begin in XXXX after XXXX transfer? 

3 ) How could this error occur?
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am only having this issue with Equifax. I have filed disputes to no prevail. Currently, Equifax is reporting an extensive number of accounts on my report and only 3 accounts with XXXX  bank belong with me. XXXX fraud has verified that my SSN is not being used for other credit cards and has contacted Equifax to remove the wrong accounts and they haven't done so. During my first account dispute, Equifax removed several accounts, but then added more that still aren't mine. I've also called several of the companies, the main being a mortgage company that is on my file to verify if my information was used, and they confirmed that my SSN was never used to open accounts. Equifax also has previous addresses listed on my file where I have never lived. I have lived at the same address since I was XXXX years old. 

XXXX, and XXXX are both reporting my open, closed, and hard inquiries correctly. Equifax is only reporting my 3 open XXXX cards ( after contacted by XXXX ), and one recent hard inquiry. The rest of the accounts and inquiries do not belong to me. I have been in contact with Equifax since XXXX trying to correct the issue and I have had no luck I have files 6 disputes with Equifax and I have not gotten anywhere. I will provide any and all information needed to rectify this issue. Please help.
Consumer complaint received 2017-04-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

Navient ( formerly  XXXX   XXXX   ) ha s taken my private student loan and turned it into a repayment extending to 17 years! At this rate I will pay back {$87000.00} for a {$24000.00} private student loan. While the rate is variable between 6.0 % - 10 %,   Navient has not been shy about jacking the rate to 10 % for the last couple of years.
I should n't have taken the money, but they definitely should n't have given it to me! I come from a low income family and had little financial understanding when signing my life away. Now that I am more savvy, Navient has made it difficult for me to optimize my student loan repayment process.
For years now I have attempted to remove my cosigner ( who now has terrible credit ) just to have another Navient obstacle put in the way. The private student loan is currently so high that no other lenders will consider refinancing it given my income ( regardless of my husband 's income ). Now tha  t I 'm a stay-at-home mom, my chances of releasing a cosigner seems even more bleak since I have no income.     Customer service is rude and unhelpful every time I call. I have added my husband as someone authorized to speak on my account and they lost record of it. They make it seem as if I am already taking the most optimal path to liberating myself from this crushing debt.     Their website promoted a 0.25 % interest rate decrease for signing up for autopay. While I saw the benefit initially - my loan is now being charged as if I had never enrolled.
Consumer complaint received 2023-07-12
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 (PA)

These accounts have been charged off as a bad debt as of XXXX XXXX in the amount of $ XXXX & XX/XX/XXXX in the amount of {$1700.00} yet both continues to report a balance on my credit report. I have disputed it several times and called into the company regarding this matter. I have a credit card with the company that I was able to open in XXXX, yet they continue to report old cards that can no longer be collected on.
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Advantage LNS Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On the date of XXXX I received a letter in the mail stating that I had opened a checking account with the Bank Of America and the it was overdrawn by XXXX and that also I wrote a check to universal XXXX XXXX  XXXX for XXXX that was located in XXXX I never ever opened up and account with this bank nore did I write a check to this company I live in XXXX never been to XXXX so I reached out to the bank and they said they where going to look into it but I never received anything about it I dont know how was a bank account opened in my name when I never been to the bank I would really appreciate it if I could get some help with this situation thank you
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

I had initially made two purchases with Coinbase on XX/XX/XXXX ( {$650.00} ) and XX/XX/XXXX ( {$150.00} ), were charged almost immedietly, and had money in my service with them following. Today, XX/XX/XXXX, I was charged these two amounts again as well as international fees of {$1.00} and {$5.00}. These unexpected charges caused my bank to overdraft my account causing me to lose money in overdraft fees. When attempting to contact Coinbase there was no clear way to talk to someone about the issue, I spent more time looking for someone to give me any answers than I did finding actual answers.
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection (FL)

I realize that, Perfection Collection LLC from  XXXX  Utah, put information regarding a   XXXX   XXXX   account for  XXXX  $ to the Credit Bureau without contacting or notify me. I call and  XXXX   XXXX   XXXX  offer me a settlement for half of the balance, I say no because they is unable to validate the debt and beside of that is not licensed to collect in my State.   I`m sending certified letter today after couple of conversation with  XXXX   XXXX .
Consumer complaint received 2017-04-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

i borrwed  XXXX  dollars and paying  XXXX  each payday ever y two weeks  and the amount i pay didnt credit my account. They are charging me over  XXXX  dollars in interst for a  XXXX  dollar payday loan. I cant afford.
Consumer complaint received 2017-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (GA)

I recently received my credit report where I saw this debt was listed. I had no knowledge of this account ever existing. In an attempt, to resolve this matter quickly and restore my good credit report, I contacted the company via written communication and offered to settle this debt, and in exchange they would remove this account, that does not belong to me, from all of my credit reports within 15 days. In addition to this written correspondence, the company also received a check to settle the account in full, under the terms that all info related to this account would be deleted from all credit reporting agencies. The check to settle this account was cashed on   XXXX   XXXX   XXXX    , but the account remains on my reports.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (PA)

I am trying to work on a short sale. Home owner has been FORCED to relocate to  XXXX  PA from  XXXX  PA - abou t 230 mile  relocation.     This   XXXX   XXXX   loan is service  d by PNC. PNC stated that since the home owner is current on the loan - the short sale request has been denied.
The homeowners have struggled financially and just made a loan payment ( with the IRS tax refund they received ) to get caught up.   They do n't want to see their credit suffer.     I would like this file to be reconsidered for a short sale.
Consumer complaint received 2017-04-24
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: CITIBANK, N.A. (OH)

My ex fianc had a Macy 's credit card he opened in  XXXX  before I met him . Macy 's has   an  XXXX  an d Macy 's sto re account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called  Macy 's and they s tated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  Macy 's and al l  XXXX  credit bureaus to have this removed since  XXXX .  Macy 's refu ses to remove it, even with a police report submitted to them . Macy 's also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that Macy 's does not investigate this issue, instead they send a generic response back indicating  the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!