davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to XXXX XXXX in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports XXXX XXXX already started reporting to XXXX and XXXX that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to Experian on XX/XX/XXXX. XXXX should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by XXXX XXXX and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with XXXX XXXX, previously.
Consumer complaint received 2017-11-02
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 (AL)

I have attached a copy of XXXX XXXX XXXX and XXXX that is reporting on my credit report. This has been an on going issue for a year now with XXXX XXXX XXXX   reporting incorrect information on my credit report when a debt has been sold to another company. As you can see from the attachment two companies is trying to collect on the same debt. how do i owe XXXX and XXXX XXXX XXXX money. Also, you will see the inaccurate information reported on my credit report as late and how? How am I late owing your company.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovis (MD)

On XXXX XXXX, XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XXXX XXXX, XXXX. Additionally I have submitted a sworn under oath, affidavit on XXXX XXXX, XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being Ally Financial and XXXX, XXXX, XXXX, and Innovis will risk a lawsuit with the state and federal courts for damages of this illegal activity.
Consumer complaint received 2017-11-02
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. (MD)

OnXX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being Ally Financial and Experian, XXXX XXXX, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.
Consumer complaint received 2017-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

Hello, I initiated a wire transfer from my U.S. based bank last Thursday ( XX/XX/XXXX ) and received confirmation that it was successful on Friday, XX/XX/XXXX. 

The reason I initiated the wire transfer is because I thought it would Be faster according to the coinbase website. However it 's taken just as long as an ACH transfer Would have taken ( although funds are still not in my account ). 

When I called about this initially on Monday I thought I had given plenty of time, and the institution rep also agreed. She stated that she saw the funds but would need someone in processing to " manually '' place in my account. I asked for a transfer number and she stated that once I reported the ticket, I could not call in to speak with anyone, and that my only recourse is to contact them via email. 

That 's fine, however they do n't respond back to emails for several days at a time. Unfortunately, this has cost me more money then I transferred due to the changes in Bitcoin prices. The company is called coinbase and they are under federal regulations, but this financial institution has processes in place to directly prevent customers/clients from being able to speak to someone. 

While they have my money they are collecting interest on funds that should be in my possession. 

Unfortunately, I learned of this companies inability to cope with their current customer demand too late and have now suffered a fate of uncertain action. Maybe I 'll get my money? Maybe I wo n't? But this company would rather not deal with customer complaints. 

This was a u.s. to u.s. wire transfer with a successful confirmation number. Is it legal for a company to hold your wired funds for a long period of time that they determine? Is it legal to put processes in place that prevent contact by customers/clients? 

There are thousands of complaints against this company for holding customer funds for no reason. 

Please investigate this firm!
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (IN)

I called and asked for a goodwill adjustment on my account due to CareCredit being reported as late. They are refusing to grant this I mistakenly missed a payment in XX/XX/XXXX and XX/XX/XXXX due to some family issues but have not had any late payments prior to that or since catching up in XX/XX/XXXX. As of XX/XX/XXXX, I have paid the balance completely off. I called on XX/XX/XXXX to ask for a goodwill adjustment but was denied.
Consumer complaint received 2017-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

On XXXX the XXXX I have transferred an amount of XXXX XXXX via wire transfer. 
As stated on The company web site ( coinbase.com ) the wire transfer should take 1-2 days to be shown on the wallet.
I have sent several emails and made many phone calls to customer service. I was told that my case has been escalated and it should take 48-72 to hear back. but nothing happened. 

on my last call with customer service they refused to give me a time frame to solve my issue. 

Yesterday I received an email from Coinbase saying that they are sad to received a request from me that I want to close my account, Which I never did At this point I have lost nearly XXXX, as the price of the XXXX is going up everyday and I am not able to use other company service since my money is blocked with Coinbase.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

A dispute was filed against XXXX XXXX charge from X/XX/2017 2017 for merchandise or service not as paid for. Initially in attempt to save themselves work BOA dissuaded me from filing the claim but I changed my mind and asked XXXX in Arkansas to file the claim. He did not. His negligence let to a dominoe scenarios where my bank account was over drawn and charges were files all of which are the responsibility of XXXX not following through with filing the dispute. All the over drafts and subsequent fees lead back to XXXX decision to not do his job. Seeing as the XXXX and I have XXXX XXXX documented as misleading me this is clearly ended up in court with a special case against XXXX XXXX specifically and and extensive civil case against BOA I will just keep memorializing the assort torts that BOA and XXXX XXXX continue to inflict on me. They certainly are added up. I ask as that the instant credit from the XX/XX/XXXX dispute be deposited immediately and that all resulting fees be recinded. Good day.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP (GA)

I have contacted XXXX XXXX XXXX XXXX on several dates over the course of 3 years. This past month, I contacted them on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; then, I contacted them on XXXX XXXX and XXXX to discuss the issue. I explained to them that my mortgage account is not on my credit file with XXXX. After speaking with XXXX, the representative informed me that XXXX XXXX XXXX XXXX will have to call them directly about my financials on my account and request a reincert. I explained this to them and they keep telling me it 's already reporting instead of trying to take care of the issue.
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (LA)

A charge was made on my card in XX/XX/XXXX, and it was flagged at the time by Citibank as fraudulent and they notified us to question the charge. We did n't make the charge and told them, so they replaced the credit cards with a new number. We were sent a letter to sign and return, dated XX/XX/XXXX, to verify " Neither I, nor anyone authorized by me, made this charge or received any benefit. '' Then, XX/XX/XXXX we received notice that the transaction would not be removed from my account due to " insufficient information to support my claim. '' The merchant provided a sales ticket and a XXXX statement that showed my address, and delivery on XX/XX/XXXX. However, I went online at XXXX and pulled up the tracking number to discover that although my address was listed as the " ship-to '' address, the package actually was delivered in XXXX XXXX, CA. 
Perhaps the package was re-directed? 
Bottom line, this transaction was fraudulent, neither I, nor anyone in my household, ordered two expensive watches, did not receive watches, nor benefited in any way from this fraudulent transaction. 
I would be happy to provide all supporting documents in this case.
Consumer complaint received 2017-11-02
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. (NC)

False report of an illegal foreclosure as valid. They were notified of this in XXXX of XXXX. The foreclosure was illegal due to falsifying of documents and failure to adhere to law. On XXXX XXXX, XXXX it was declared before the XXXX XXXX XXXX XXXX XXXX North Carolina of the violation of XXXX XXXX XXXX XXXX Section 8 by regulation amounts of money by entities that are not Congress.  Elements within XXXX XXXX proceeded to disregard and proceed forward with further human rights violations. Furthermore, this all constitutes a violation of XXXX XXXX XXXX section 242, as well as many other international, federal, and state laws. 
The credit agencies have blocked online access and are not responding to letter mail either. The other agencies are also ignoring this matter. I am currently being automatically denied a place to live based on this illegal foreclosure and eviction. 
Do n't believe me, the email from XXXX XXXX, XXXX explicitly does not authorize any of the other actions taken. 
Do n't believe me, get the recording of XXXX XXXX from the XXXX XXXX, XXXX farce of an appeal trial where he admitted the matter had to be heard in federal court. 
Do n't believe me, look at XXXX XXXX and see the requirements were not met. 
Do n't believe me, look at all the documents together. Ignoring this is not going to make it go away.
Consumer complaint received 2017-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I logged in today XXXX XXXX/XXXX/XXXX XXXX to make sure I was current and to schedule my next payment. It states my amount due is {$34.00} and not due until XXXX/XXXX/XXXX. I have two student loans : one due for $ and one for XXXX that totals {$34.00}. I called to ask Navient 's customer service why my payment was n't due until XXXX and I was told that I had over paid so I am not due until XXXX. But this {$34.00} is late fees. If I overpaid, why was n't it applied to late fees if i have them? If I am paying in advance how do I have late fees? And if those are my late fees what is actually due and when?
Consumer complaint received 2017-11-02
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: JPMORGAN CHASE & CO. (LA)

Please reference complaint # XXXX. 
I made a deposit into my account, ending in # XXXX, at Chase Bank on XXXX/XXXX/XXXX in the amount of {$150.00}. This was the exact amount required to be able to close my account. After speaking with a Chase representative and making this deposit, I again ordered that my account be permanently closed, with no further transactions of any kind. 

I received a notice from Chase dated XXXX/XXXX/XXXX advising that XXXX had been paid {$30.00}. This is yet another payment by Chase from an account that I ordered closed three times. They also paid XXXX knowing there were insufficient funds in this ac- count. 

On XXXX/XXXX/XXXX I received a letter from Chase executive office acknowledging the receipt of my previous complaint. Chase advised a detailed research was being con- ducted. I received yet another letter from Chase dated XXXX/XXXX/XXXX advising that my alleged unpaid balance would be charged off and reported to XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX I received yet another letter from Chase advising that a deposit of {$160.00} was required in order for my account to be closed.

Chase was paid any outstanding amounts and were advised to close this account on three seperate occasions. Yet they continue to pay from this account, without my consent, so that they can charge overdraft charges.
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (DC)

Someone has made charges on my JCPenney Store Credit Card. I received an email on XXXX from Synchrony Bank the bank who extends credit for JCPenney stating I have a communication from JCPenney Credit Card. I havent used the card in at least 12 months so I knew something was wrong. I followed the link and tried to log in to my account and I was unable to do so. I called the number in the error message. It was the JC Penny Credit Fraud Department. I was completely worried at this point. I explained to them that the charges werent mine. The phone call was really choppy the entire time we were on the phone even though we were both on land lines. This concerned me but I asked a lot of questions because credit is everything in our society. Last Night XXXX I received an email with my statement balance. It stated I owed XXXX with a XXXX minimum balance with the due date of XXXX My concern when I talked to the representative I was told the charges would be reversed on the online order that was over XXXX dollars. I really just want to close the account after the two conversations I had with the fraud department, they are extremely rude and unhelpful, but I dont want to pay any charges for something I havent purchased. Again I havent use the card in at least 12 months. I dont shop at JCPenney I literally opened the account at the register when I purchased some work out clothing while in XXXX XXXX. I may have also purchase some XXXX XXXX XXXX XXXX a year ago but thats all. I can verify the dates of the above purchases because I cant log in to my account. I asked for a statement and I cant seem to get any answers. I asked if this may just be a mix up since a payment was made on the account in the amount of XXXX on XXXX XXXX. I heard that in my account summary when I initially called. The Fraud Departments manager refuses to help me she stated she closed the account but I would be required to pay the remaining fraudulent charges. I think this is unfair when they know I didnt make the charges, theyve credited my account for most of the charges except XXXX but they want me to pay the fraudulent charges by XXXXXXXX which is unfair because I didnt make any of the purchases. Please help me resolve the remaining balance on the fraudulent purchases and to close the account. I have attached the email I received and a copy of my drivers license to prove my identity.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

XXXX XXXX, XXXX, Nelnet and XXXX reporting loan payments 60-120 days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation (MI)

please attachthis to the previous complaint i files day 6 of total chaos with my loan closing my loan was never closed propery last yur by same compoany and now having problems im subbitting all documentation and all files as now i have attourny working on it to they cant cloe on my home home poibnt financial which im working with now is same company did it last yr and never closed my loan properly still have a lien down at the county court hosue which i went down homepoint not even on there having a loan the tital compnay they used never did there job no im spending day and night my own time trying to fix this minumal XXXX from my lender they should be getting documents and calling everything was done on my end right and to the T this is frustraing i attached emails prob ten there over 50 over all this callled titalle company that had last yr there saying its lender respenc homepoint court saying home point respnsiblity attourney saying homepoint respponsibliky It is thye close my loan they were suppose to take care of this
Consumer complaint received 2017-11-02
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. (NC)

False report of an illegal foreclosure as valid. They were notified of this in XXXX of XXXX. The foreclosure was illegal due to falsifying of documents and failure to adhere to law. On XXXX XXXX XXXX XXXX XXXX XXXX before the XXXX XXXX XXXX XXXX XXXX North Carolina of the violation of US Constitution Article 1 Section 8 by regulation amounts of money by entities that are not Congress. Elements within XXXX XXXX proceeded to disregard and proceed forward with further human rights violations. Furthermore, this all constitutes a violation of US Code 18 section 242, as well as many other international, federal, and state laws. 
The credit agencies have blocked online access and are not responding to letter mail either. The other agencies are also ignoring this matter. I am currently being automatically denied a place to live based on this illegal foreclosure and eviction. 
Do n't believe me, the email from XXXX XXXX XXXX explicitly does not authorize any of the other actions taken. 
Do n't believe me, get the recording of XXXX XXXX from the XXXX XXXX XXXX farce of an appeal trial where he admitted the matter had to be heard in federal court. 
Do n't believe me, look at NCGS 122C and see the requirements were not met. 
Do n't believe me, look at all the documents together. Ignoring this is not going to make it go away.
Consumer complaint received 2017-10-05
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. (IL)

On several occasions, since XXXX XXXX XXXX I have contacted Equifax regarding a debt listed on my credit report in error. XXXX XXXX is reporting derogatory information on my credit file and Equifax is allowing them to, illegally. I do not, nor have a ever had an account with this company and I do not owe the creditor that they claim is the originator. I have asked Equifax multiple times, in writing, to have the company show verifiable proof by way of a dated, signed contract and the company has NOT been able to produce such items because this debt is FALSE information. XXXX refuses to remove the information and have NOT properly investigated the situation because they would KNOW that this debt is NOT VALID.