davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested back in XXXX for TransUnion & XXXX to remove inaccurate information from my credit report. The account in question is XXXX XXXX  account # XXXX truncated on my credit report is a reporting violation. TransUnion & XXXX is reporting the last date of last activity inaccurately. TransUnion is reporting the date of last activity as XX/XX/XXXX, whereas XXXX is reporting the date of last activity as XX/XX/XXXX. These inconsistencies can constitute re-aging accounts.
Consumer complaint received 2018-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I attempted to transfer money from one account to another account of the same institution and used the option " XXXX ''. The transfer requested either an email address or telephone number. I chose the second option because the intended recipient used telephone option. 
I mistakenly transposed the last digit in the telephone number and the money was sent to an account in a different financial institution. 
I was using Wells Fargo online for the transfer, both my account and the recipients account are with this institution. 
The transfer went to a XXXX account. 
I contacted Wells Fargo one hour after the transfer which was done on XX/XX/XXXX and initiated the complaint! On XX/XX/XXXX the intended recipient and I spoke to a Wells Fargo banker on a conference call in which the transposed digit error was determined to be the problem. I was assured that the error would be addressed and funds returned in 1-3 business days. 
I now have been informed by Wells Fargo that they can not get money back and that they only contacted " XXXX '' to verify that the funds were delivered and that neither they nor XXXX can do anything more. They suggested that I contact the number used in an attempt to secure return of funds. I was told by Wells Fargo that the receiver must initiate return of funds! I asked for the account information associated with transfer and was denied and informed that they " Wells Fargo '' did not contact " XXXX "!
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a bank of America credit card ending XXXX which was charge off on XX/XX/2018 but the bank did not followed 180 days federal regulation for revolving credits to be charged off on my account. In their statements and transaction list shows thats I have made a payment within that time 180 day period and the bank did charged off may account with out notice.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

With the new law allowing free freezes with the three credit bureaus I was able to complete freezes easily online except for Experian. 

Its not possible to call them. Even though the same identity information was required by the other Bureaus who processed the request Experian claimed to be unable to respond to the request and insisted on mail in of identity information. 

Experian appears to be frustrating the intent of the law making to make it easier for consumers to protect their credit information by insisting on mail. I can understand the need for rigorous review to unfreeze but not to freeze as this is often needs to be implemented quickly to minimize risks and prevent improper use of identity information.
Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC (KS)

The debt owed was from my brother who passed away XX/XX/2018 and I told ascension point that there was no estate. They told me the situation was closed and that a LETTER would be sent to me stating so but instead I received a bill today XX/XX/18 for my deceased brothers debt in my name. They can say what they want but this is a bill not just a letter like they said on the phone. Now I have to go hire a lawyer to make sure that they did not put it on my credit report like the reviews have said they done to other people. What they sent is clearly not just a letter like they said but a bill with my name listed. I have already made contact with XXXX law firm who is also handling other lawsuits against ascension point recovery.
Consumer complaint received 2018-09-24
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. (NV)

Someone attempted to obtain credit in my name on several occasions. There were several inquiries from XXXX XXXX  that I never applied for & I thought had been removed from all credit reporting agencies. After submitting inquiry removal letters from XXXX to All credit reporting agencies, XXXX and XXXX  were the only two that removed the inquiries, Equifax did not. I was part of the Equifax breach. I was told by Equifax to file a claim with the consumer that requested my report. Which I did- I forwarded the deletion letters to Equifax and they refused to remove the inquiries. Since i was unsuccessful at obtaining assistance from Equifax, I reached out to the police department again and The police department directed me to Federal Trade Commission. Since the identity thief did not obtain the credit that they applied for, the FTC directed me to CFPB to file a claim for credit inquiry issues. These inquiries are adversely affecting my credit. The language barrier of the Equifax customer service agents is impossible to understand. Some of the inquiries have fallen off, however there are two inquiries that are still hindering my report. One from XX/XX/XXXX and the other from XX/XX/. I have attached the deletion letters. Please please help me.
Consumer complaint received 2018-09-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OpenRoad Lending (AZ)

Applied for a auto loan refinance with XXXX XXXX XXXX after terms stated the rate was 2.99 % and term of 72 months. Received a call today today my credit was excellent but income is insufficient so they have to triple my rate from the advertised rate and lower the term to 60 months and charge for fees and gap insurance. My income is by no means insufficient if that is so how can they justify increasing the rate and shortening the loan term that will make my payment XXXX more then I'm paying now. Doesn't make sense to me if " my income isn't sufficient '' Fraudulent practices and now I have a hard pull on my credit due to their fake fraud terms stated.
Consumer complaint received 2018-09-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Seterus, Inc. (OH)

QWR Notice of Error in response to letter dated XX/XX/XXXX In XXXX had to file a Chapter XXXX Bankruptcy case XXXX. On XX/XX/XXXX I entered and signed an agreement with XXXX XXXX XXXX XXXX to reduce the amount of my loan on by {$51000.00} to {$25000.00}. This agreement was filed on XX/XX/XXXX and entered into the Federal Bankruptcy court on XX/XX/XXXX Docket XXXX. Seterus failed to placed the {$51000.00} in the class 7 claims and by not doing so was discharged at the confirmation of the plan. Seterus failed to adjust the loan to match docket XXXX asking for discharged debt on my monthly statements as " Interest Arrearage '' and in a payoffs. Seterus did adjust the loan on XX/XX/XXXX only after Seterus had violated the bankruptcy code and FDCPA. Seterus during the bankruptcy stay placed forced place insurance on the loan raising the monthly payment not to comply with Docket XXXX when in fact the property insurance was up to date and on file with the Bankruptcy court and only needed to be petitioned. Serterus in XXXX paid off a 3 year confirmed bankruptcy tax plan that per the confirmed plan under Class 5 ; Claims for Real Estate Taxes the plan states that the payments were to be made according to the agreed tax payment plan between the debtor and treasure. Seterus did not let this happen paid them off and then demanded the amount in full.
Consumer complaint received 2018-06-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (FL)

I have leased a vehicle in good faith from XXXX using XXXX XXXX XXXX. 

In XX/XX/2017 I acquired financial difficulties. In order to resolve those, I am working on reducing the cost of vehicle leasing. 

When I attempted to make the changes to my XXXX lease, I encountered unfair, deceptive, or abusive acts or practices on behalf of the XXXX XXXX : I can not obtain a transparent PAYOFF amount for my lease, like I have with my XXXX, whereas I log on to the website sign in to my account, and see it openly. 

With XXXX, I cant access that information on my secure XXXX Account, where I make payments etc. There is a statement that claims I have to go to the dealership to obtain the payoff. Instead I called, and got an outrageous number by which the original price of the vehicle would be ten to fifteen thousand dollars above the actual price. So I requested in writing an explanation from XXXX XXXX. They responded to my letter with a phone call, stating that in the State of Florida they can not disclose .... blah blah blah ... That is totally illogical, as I am the one in debt, and need to know my numbers. 

I am fighting XXXX for over two weeks, with calls and letters that get me nowhere.

Also, as I attempted to transfer my lease with one of the online companies, I learned that XXXX does not allow me to transfer in the last 12 months, ( I have 11 remaining ) which makes it brutal. 

So : I can not sell my vehicle to XXXX or XXXX since the " Payoff '' I received is illogical ( shy of {$36000.00} while the XXXX XXXX  value is in the {$29000.00} 's ) and seems arbitrary but no explanation of how XXXX reaches that number, while in an advertisement, XXXX offers me to take off all of the upside down number with discounts and bonuses, if I can get " hooked '' on another VWXXXX product. 

I am being subject of non transparent, abusive and unfair practices and wish to raise my voice.
Consumer complaint received 2018-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

This complaint is in regards to Coinbase. someone hacked my account and stole some cryptocurrency from my account. I notified them and they put a stop on the account. they did not nothing to retrieve my money. For the past 8 months I have been trying to log in to my account again and I have not been able to get access. I have sent numerous emails and calls and they keep telling me they are escalating this but nothing is being done. I just want access tom y account to close it. This is a fraudulent company and the government needs to examine their practices. 
XXXX XXXX
Consumer complaint received 2019-04-09
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: Checkr, Inc (AL)

There are two motor vehicle violations that for some reason separate violations however, those tickets are only one ticket alone. I never received the ticket listed under the date XX/XX/XXXX for " No Drivers License ''. If you take a moment and check the date on which I received the XX/XX/XXXX then also when my license was reinstated on XXXX XXXX, XXXX. My license is still valid as you can see and there hasn't been any other violations since. How could I have received a no drivers license ticket while currently holding a valid drivers license, as the background report shows. I couldn't have, and never did. 
The background check was provided by Checkr.
Consumer complaint received 2018-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

I have sent a letter to them telling them that this is a false bill. The bill is erroneous and they are not ready to correct the bill. They have refused to provide me with any information about the medical treatment that was provided or what services were related to this charge. I have full medical coverage and they are trying to mint money out of me.
Consumer complaint received 2018-06-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (LA)

I refinanced a property that is now used as rental investment. I communicated to the loan officer that I did NOT want any information sent to the rental address ( address of the loan property ) and to only send to my primary residence. Chase violated this request by sending documentation a couple times. The first instance was with the approval docs which I responded in writing to the loan officer reaffirming that I do not want any documentation sent to the rental address. Just before closing Chase sent the entire closing package that contained my PII as well as the amounts. Shortly after sending the closing package was sent to the address my tenant notified that they were stopping the lease then moved out at the end of the month. There is no way of knowing if closing information was a contributing factor in their decision to vacate. Also, I have no way of know what happened to the personal information that was sent ( Chase did not require any kind signature on the package that contained personal and sensitive information ). I notified Chase and requested they look into the matter. Their response was 'we apologize ' that this happened but we have determined there is 'no risk to you ' as a result of our disclosure.
Consumer complaint received 2018-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (IL)

On XX/XX/2018. I received a notice that a collection account from Security Credit Services was on my credit report from all 3 credit bureaus, XXXX, XXXX, and XXXX. I have disputed it with the 3 credit bureaus. My account is on alert for fraud, and this may be another one of them. 

I didn't receive a 30 day notice, and I was not aware of this debt. When asked to validate this information, and how they got my account, and if I authorized them to this account, contract, date it was open, closed, amount due, etc They were not able too. I sent a letter to them to have them validate this collection account.
Consumer complaint received 2018-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Spero Solutions, Inc. (AZ)

This complaint involves XXXX XXXX XXXX. 

Approximately in XX/XX/2015 I noticed an advertisement from XXXX XXXX XXXX to consolidate my student loans and place me on an income-driven repayment plan for three payments of {$200.00} for initial processing and subsequent monthly payments of {$39.00} to maintain my paper work. I thought the {$39.00} a month was going towards my student loans but what actually happened was they placed my loans in forbearance. I did not realize this until I received an email from XXXX XXXX stating that my loans were delinquent and that I had accrued nearly {$500.00} in interest over a two year period in which I hadn't made a payment.
Consumer complaint received 2018-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MA)

The account was removed from my credit report yet I received mail from a law office attempting to collect the debt as well. I am not sure if the debt was sold. The validity of the debt has already been disputed and removed from my credit report
Consumer complaint received 2018-09-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH)

QWR Notice of Error in response to letter dated XX/XX/XXXX In XXXX had to file a Chapter XXXX Bankruptcy case XXXX. On XX/XX/XXXX I entered and signed an agreement with XXXX XXXX XXXX XXXX to reduce the amount of my loan on by {$51000.00} to {$25000.00}. This agreement was filed on XX/XX/XXXX and entered into the Federal Bankruptcy court on XX/XX/XXXX Docket XXXX. XXXX failed to placed the {$51000.00} in the class XXXX claims and by not doing so was discharged at the confirmation of the plan. XXXX failed to adjust the loan to match docket XXXX asking for discharged debt on my monthly statements as " Interest Arrearage '' and in a payoffs. XXXX did adjust the loan on XX/XX/XXXX only after XXXX had violated the bankruptcy code and FDCPA. XXXX during the bankruptcy stay placed forced place insurance on the loan raising the monthly payment not to comply with Docket XXXX when in fact the property insurance was up to date and on file with the Bankruptcy court and only needed to be petitioned. XXXX in XXXX paid off a 3 year confirmed bankruptcy tax plan that per the confirmed plan under Class 5 ; Claims for Real Estate Taxes the plan states that the payments were to be made according to the agreed tax payment plan between the debtor and treasure. XXXX did not let this happen paid them off and then demanded the amount in full.
Consumer complaint received 2018-09-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

I wrote to XXXX and spoke to them on the phone, I have send them divorce papers and informed them that I no longer live in the house. XXXX XXXX lived there and he got the house in the divorce. Im not paying on a house I couldn't live in. the account # was XXXX. I had no idea that he wasn't making payment on the property. I was not informed. XXXX claims that my name was still on the account but wouldn't give me information on the account or discuss it with me because XXXX XXXX was living in the house. I should not be held at fault because of what he did. I couldn't live in the home nor was I giving any information about the house. They will have to look at XXXX XXXX for what is owed. I'm no longer have any contact with him and the house has been sold.
Consumer complaint received 2018-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (NV)

I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX XXXX which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices. 

XXXX XXXX XXXX Dates : opened XX/XX/18 Reported : XX/XX/18 Collection : XX/XX/18 XXXX : {$730.00}
Consumer complaint received 2018-06-22
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. (MA)

I attempted to create a dispute with Equifax about an auto loan after my credit score dropped 80 points on an account that I am the cosigner of. After several attempts to make a dispute through their website all I could achieve was a statement that they couldn't verify my identity even after receiving a conformation that they had identified my account. It seems to me that they simply did not want to process any request. As I was looking to buy a house at the time the sudden drop of my credit has put finding a home in jeopardy.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Reliant Capital Solutions, LLC (FL)

I contacted the university i graduated from to purchase a new copy of my diploma with my updated last name. The university sent me an email shortly after stating my account was in collections and they could not honor my request. They sent me the name of the collections company that owned the account, XXXX. I contacted the number provided, XXXX ( XXXX ) XXXX, and was told by a representative that she could not access the account but she did see the chapter XXXX bankruptcy information added. She then provided another number XXXX, and a gentleman tried to contact my account owner but was unable to access the account as well. He provided me with the VP name and number, XXXX XXXX at then told me to contact her directly for status update. 

I filed chapter XXXX bankruptcy with case XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX.
Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (KS)

The debt owed was from my brother who passed away XX/XX/2018 and I told XXXX  XXXX that there was no estate. They told me the situation was closed and that a LETTER would be sent to me stating so but instead I received a bill today XX/XX/18 for my deceased brothers debt in my name. They can say what they want but this is a bill not just a letter like they said on the phone. Now I have to go hire a lawyer to make sure that they did not put it on my credit report like the reviews have said they done to other people. What they sent is clearly not just a letter like they said but a bill with my name listed. I have already made contact with XXXX law firm who is also handling other lawsuits against XXXX XXXX XXXX.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Opened secured credit card with Bank of America in XX/XX/2016 Without sufficient notification, Bank of America closed my account in XX/XX/2016 resulting in charge-off of {$110.00}. 

Since then, Bank of America never notified me of this matter. 

I found this out when I pulled my credit report last week. 

I contacted them and paid off the charge off. I also asked them to remove all the charge off history from the credit report because they have not informed me of account closing. 
Bank of America refused my request, without giving me sufficient reason.