davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

I am writing to request that the account charge-off placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and Experian and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The XXXX Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this car was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address. 
The Co-signee on the accoiunt is NOT RELATED TO ME I do not know him. He is in fact of a different race.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (GA)

I did not make these charges. I 've never heard of these companies. 


XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

On XXXX XXXX XXXX, my wife received a letter in the mail from Citibank. The letter was addressed to my wife 's " estate '' and referred to her as " the decedent. '' The letter included a check for {$7.00} as " a refund ... for certain fees previously billed to the decedent 's account for a debt protection program. '' My wife is not deceased. She is in very good health. Moreover, my wife does not have, nor has she ever had, a credit card or any other account with Citibank. My mother, with whom my wife and I share a mailing address, does have a Citibank card. I have a card in my own name on the same account as my mother. However, the account number stated on the letter does not match the number of the account I share with my mother.

My wife and I are concerned that one of three possibilities may be true : Either that ( 1 ) this letter may be part of an illegal effort by a third party to defraud my wife, or that ( 2 ) this letter may be  evidence of identity theft wherein another party has opened a Citibank account in my wife 's name, or that ( 3 ) this letter may be evidence of illegal activity on the part of Citibank wherein Citibank has opened an account in my wife 's name without her knowledge. 

My wife has asked me to help her by contacting appropriate government authorities on her behalf. I consider myself to be a party to this incident because any financial liability incurred by my wife affects our family as a whole.
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

my credit card with bank of America was stolen in XXXX XXXX my card ending XXXX there was XXXX charges on my account that i did not make the rep with bank of America did n't file my claim correctly on the card being stolen and my claim was closed because there was nothing put in my claim that my card was stolen for these charges too be properly investigated they did send me a new card out with a new account number ending in XXXX i have tryed too many times too get my claim corrected too try too get the money back on my account with nobody seeming too know how too correct my claim and get this resolved and wanting too do what ever i can too get this corrected and resolve the totaled amount in question is {$790.00} on theses charges
Consumer complaint received 2017-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX I spoke with a representative at Chase in which we discussed a payment plan on a past due payment for an auto loan. The representative asked me several times to make a full payment as I was a couple payments behind. I told him that at that time I was unable to make a full payment however, I was willing to a make a partial payment and an arrangement for the remainder. We agreed on a payment of $XXXX to process on XX/XX/XXXX with another payment of $XXXX on XX/XX/XXXX and a final payment of $XXXX to bring the account current onXX/XX/XXXX. On XX/XX/XXXXmy bank account was debited $XXXX which is not what we agreed. The transaction resulted in an overdraft fee from my bank as I did not have the amount in my account. I spoke to a representative at chase who advised me that they'd have a supervisor call me back. The supervisor advised me that he would refund me the fee as long as I was able to provide proof of the overdraft. The fax was received and I was assured that I'd be refunded. At this time I still have not been refunded and my account continued to incur fees as I did not have the additional $XXXX to put back into the account. I ended up with a total of $XXXX in fees alone. I am livid with Chase Bank.
Consumer complaint received 2017-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My mortgage co is Loancare. An FHA lender. I bought a home that was taxed at a much higher rate then the home is now worth. I have not missed a mortgage payment. My escrow for XX/XX/XXXX taxes totaled {$3300.00}. My taxes were actually {$1200.00}. I paid my taxes on XX/XX/XXXX. The lender is withholding over 2 months of escrow payments. They currently are holding {$2400.00}. They refuse to return my over payment. They informed me that a new analysis for taxes would be do by XX/XX/XXXX but nothing has been done. They have not communicated to me in any way. I have had to call them over and over for my refund and I have been lied to 5 times regarding my refund.
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

My Coinbase.com account was locked with no explanation. 

When I try to log in to Coinbase, I get the message " Sorry, account temporarily disabled.  Please contact support. '' I am filing this complaint after opening a customer service ticket ( I can provide the ticket number if needed ) with them and no action from them regarding the situation. I 'm not sure of the exact amount of money I have in Coinbase since the value of the cryptocurrency fluctuates and I check the amount in Coinbase, but it is approximately {$1200.00}. 

My acct was disabled on or around XXXX XXXX 2017.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Beginning XXXX/XXXX/XXXX, and subsequently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I mailed notarized and certified handwritten letters to the 3 Credit Bureaus. Requesting verifiable proof of the following accounts on my credit reports. Acct # XXXX, reported by XXXX XXXX, unverified late payment. Another Acct # XXXX, reported by XXXX XXXX, unverified late payment, and Acct # XXXX, reported by XXXX, unverified late payment. For 3 months now I have been disputing these items. However, they have failed to provide me with ANY physical documentation or verifiable proof that I requested under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Nor the method of verification as required under Section 611 ( a ) ( 7 ).  Otherwise, anyone could electronically respond with a fraudulent account resulting in an inaccurate credit reporting. 

XXXX and Transunion continues to violate the Fair Credit Reporting Act, failing to provide the verifiable proof I am requesting. Instead, they ask that I submit another dispute only to stall and delay for another 30 days to only reply that the inaccurate information was verified. XXXX however, will not even respond. I called XXXX and they informed me that they were responding through email with the results of their investigation. The problem with this is that I 've never given them an email or corresponded with them through email. So who knows where they are sending my personal information. Even after bringing this to their attention and asking that they only contact me through mail, they continue to communicate through emails that I am not even aware of. I 'm requesting XXXX XXXX and TransUnion to promptly remove the inaccurate and derogatory information on my credit report under Section 611 ( a ) ( 5 ) of the FCRA since after almost 90 days, they have been unable to provide me any verifiable proof. 

For example, on my credit report, XXXX shows that I am current on all payments and one month later I am 90 days late? Yet, the credit bureaus have done nothing to help resolve these issues. Instead, they have been using third party electronic systems to send an automatic response that things like this are verified. 

Due to their neglect and unwillingness to resolve this matter, I have suffered financially by not being able to obtain credit, and has caused strain on my relationship with financial institutions and mental anguish. I am requesting a settlement of {$1000.00} for each of the accounts that each Bureau has reported deliberately and incorrectly and that they immediately removing and correcting all items within my credit report that they have not veried through physical verification and method of verification in accordance to the FCRA.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

Was not notified of investigation status or results that I requested in the dispute I mailed. Credit Bureau refused to block item although it remains unverified and they never sent me proof of the instrument mandated that the credit bureau have as per FCRA Section 609.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Was not notified of investigation status or results that I requested in the dispute I mailed. Credit Bureau refused to block item although it remains unverified and they never sent me proof of the instrument mandated that the credit bureau have as per FCRA Section 609.
Consumer complaint received 2017-12-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Access Financial LLC (MO)

I have been getting constant calls at my place of employment by this company which had resulted in disciplinary action from my boss. They continue to call my workplace after my boss asked them repeatedly to stop. They have threatened my boss and coworkers with legal action if they did not relay messages to me about a debt.
Consumer complaint received 2017-12-20
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. (IL)

Hard Inquiry XXXX Inquiry from XXXX XXXX 2017 XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX 2017 XXXX Inquiry from XXXX XXXX 2017
Consumer complaint received 2017-10-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Orions Management Group, LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX from Orion 's group called my immediate boss to gather personal information about me and my main line employer line requested to speak with my HR department to get information about serving me papers at my personal residence. I called and he would not let me ask how I can get the papers ( even suggesting signature required/certified mail ), even after I said it was okay to serve me at work, then he hung up on me.
Consumer complaint received 2017-12-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I lost my job in XX/XX/XXXX and was without adequate replacement income until just recently. I originally contacted our lender not long after it became apparent we would not be able to pay our full mortgage amount, and continued to send partial payments as we were able. Submitted loss mitigation application through our lender in early XXXX, and throughout the process submitted all documents as requested. At no time was unemployment forbearance discusses ( did not even hear of this option until this month from another party ), and was not told of Save Your Home California until XXXX, when we were denied assistance by our lender and told we did not qualify for any assistance with our lender. Unfortunately I do not have many documents from along the way, as I was not expecting this outcome and did not take detailed notes about all phone calls, but I have recently informed my lender of our extreme dissatisfaction with their assistance in saving our home, and their lack of information provided about all options that may be  available to us. Assistance is currently in review with XXXX, but foreclosure process has been started by our lender.
Consumer complaint received 2017-12-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kehoe Financial Group, LLC (CA)

I have talked to kehoe financial group regarding a debt that i owed through XXXX loan. I told them not to call me at work but they called my work, and even called my spouse and left a message that i have a pending legal case against them. They kept on calling me even if i was tryig to negotiate with them. The person 's name is XXXX XXXX and his phone number is XXXX ext XXXX.
Consumer complaint received 2017-12-20
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. (PA)

Spouse or co applicant : Report # XXXX XXXX XXXX, 2017 On my credit file is a XXXX who is this I 'm not married nor do I no who this is. Its just one name XXXX Just XXXX what is this or who or what Why does Experian have information like this on my credit report but no reason or who this is or why it is showing.
Consumer complaint received 2017-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I have not been able to access my digital wallet with coinbase since I moved my address and all my enquiry dating back to XXXX this year has remained unanswered. I can not get a response from them to resolve my issue.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block/delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Inquiry ) These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer credit report maintained by you which shows the fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (CA)

I have chosen two because there are so many. I received both of these statements on the same day. They are dated XXXX XXXX, one says my new payment will be XXXX, the other XXXX. I can not afford either.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

At the beginning of XX/XX/XXXX, I utilized a credit score feature on my online banking and noticed that my credit score had dropped significantly. I requested my credit reports through XXXX and noticed that there was a delinquent credit card from Synchrony ( XXXX credit card ) reflecting on my credit reports. I have no recollection of applying for this credit card and I was under the impression that this credit card was solely under the name of my ex-boyfriend and that I was not joint on the credit card. Any other credit cards my ex-boyfriend had I was only an authorized signer and not joint so I thought this one was like that as well. I disputed the credit card through XXXX and received notification back on Thursday,  XXXX XXXX and they notified me that it was updated but the credit card was not removed. 

My ex-boyfriend and I had split in XX/XX/XXXX and at that time he had informed me that he was going to file bankruptcy. I requested that any credit cards of his that I may be an authorized signer he remove my name from. He then proceeded to contact all of the credit card companies to remove my name. He had contacted Synchrony in XX/XX/XXXXand he was told by a representative that I was not on the credit card. 
When I noticed that it was on my credit report, my ex-boyfriend contacted Synchrony once again on Friday XXXX XXXX and they informed him that I was in fact on the credit card as a joint. He had requested they provide documentation proving that I gave my authorization to be a joint on the credit card and they refused to provide it to him. 

I then sent in a secure message to Synchrony on that same Friday introducing myself and explaining my situation. I requested proof that I gave my authorization to be joint on the credit card and they responded back on XXXX XXXX with no documentation. I sent another message that day again requesting proof and they responded on XXXX XXXX with an attached periodic statement forXX/XX/XXXXwith my name on it but still no proof that I made a request for or authorized for this extension of credit. 

I am really trying to resolve this issue as it has been reporting delinquent for XXXX, XXXX, and now XXXX and has had a significant negative impact on my credit score and will continue to impact my credit negatively until this is resolved. Given this  impact, my decision to only be an authorized signer on his credit cards, Synchronys confirmation inXX/XX/XXXXto my ex-boyfriend, and the absence of any other negative reporting I am confident that this is an error on Synchronys part. However, I am willing to accept documentation that shows that I indeed requested this extension of credit, which I have not received despite four attempts I have already made.
Consumer complaint received 2017-12-21
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: Bread Financial Holdings, Inc. (FL)

Hello, On XXXX XXXX 2017 I went to XXXX and asked to hold a dog so I could see if I could purchase the dog the following day. Without telling me they signed me up for a XXXX XXXX credit card and charged me {$3000.00} dollars to that account.I was rushed through signing paperwork I thought was just for holding the dog and they failed to explain what I was signing.They didnt even give me a receipt or any paperwork informing me of what happened. I originally disputed the charge with the store but they said they could not do anything so I disputed the charge with the bank. It has been now 2 months exactly, 60 days from the day I write this and I havent been given a response. All I have is a provisional credit on the account. Attached is a cancellation from a loan that was placed with this unauthorized purchase.
Consumer complaint received 2017-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (TN)

On XXXX XXXX th a representative from XXXX XXXX called me and was very rude and demanding I come to the office after I had already explained to them several time that I didnt have the money to make my payment at the time. They keep harassing me calling every day and I am under a credit management company trying to get my finances straighten out. They have refused to work with my debt company, I told them numerous times I was under debt management but they still continue to harrass me about my payment. I just want the harassing phone calls to end and for them to consider working with my debt management company on this debt. When I explained to the representatives that I was doing the best I could she basically told me I wasnt and she felt like I could pay and was refusing not too.