davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo generated a message indicating that my mortgage payment was past due despite having paid the mortgage via an online transfer the previous business day. The availability of these funds was immediately deducted from my account. This notice resulted in me hastily making a second payment in error. Upon contacting Wells Fargo they indicated that there was nothing they could do ( even though it was an internal transfer ) to stop or reverse that transfer. I would either need to call back the following business day or they could reverse out the payment from the XXXX, but it would be 3-4 business days to be processed. 

The second payment was a result of their inaccurate notification.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the Borrowers Defense. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. Borrowers defense told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MO)

On Tuesday, XX/XX/XXXX, I made an " instant purchase '' of XXXX Ethereum from Coinbase.com using settled funds from my USD wallet in the amount of {$5800.00}. Under the circumstances described, the Ethereum was supposed to be delivered instantly, and I was given a guaranteed delivery of XX/XX/XXXX when my funds were nearly instantly withdrawn and the purchase " completed. '' It has been a week, and I have yet to receive the currency I purchased. I have attempted to contact them at least a dozen times through their worthless online support system, as well as their alleged XXXX @ XXXX name, but I have not gotten a single response from a real person at all. I received approximately two automated response emails with links to help articles that did not answer my questions, and was asked to " reply if I still needed help, '' which of course I did but no one ever responds. It has been a week and I feel like they 've stolen nearly {$6000.00} of my money. Not only that, if I were to have received the currency when promised, I would have been able to turn a profit of nearly {$1500.00} because of the spike in value I anticipated and attempted to buy ahead of. But since it 's taking so long for them to deliver the " pending '' Ethereum ( that still says " Delivery by Tuesday, XX/XX/XXXX ), my fear now is that by the time they deliver it ( if they ever do ) it wo n't be worth what I paid for it because of their unexcused, unethical delay of currency delivery. I am beginning to think they just stole my money and the situation will never be rectified. No one there even acknowledges that I exist, I have n't gotten a single legitimate response and my problems just goes unanswered. I just want some answers and some rectification.
Consumer complaint received 2017-12-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (AR)

I do n't even know if anything can be done about this but I wanted someone to know about it. It has been a rough year for me payments wise. I got behind on one in particular. I bought a new mattress in XXXX of last year. I was told the price was XXXX XXXX and XXXX XXXX dollars. It was financed through American First Finance. I signed everything and on some level this is my own fault for not reading everything but I was never given a copy of that contract. I 'm not exactly sure how they are charging for interest or exactly how much I have left to pay down. I can get online and look at some information but it 's not very specific. It will only show my payment schedule not an itemized bill. It will only show the payoff amount not how much I still owe overall. My biggest problem with them is that I went back to a job I hate back in XXXX. When I was getting my first paycheck this company took XXXX late payments out without my express authorization and left me with XXXX dollars. I called and was about to start cussing but I wo n't do that because I 've worked in a call center and it sucks. XXXX different people told me there was nothing to be done and that I authorized them when I signed the original paperwork. I asked how much I still owed and one told me over a XXXX still. I had been paying XXXX XXXX and XXXX XXXX dollars and XXXX cents for over XXXX months at this point. I was told my payments would be XXXX XXXX and XXXX a month and they were n't. I suppose that should have been my first clue. I want a copy of what I signed. I want to know exactly what I 'm paying and how much interest and fees are. I think something wrong is going on here. I think a loan shark would give a better interest rate than this company. 
.
Consumer complaint received 2017-12-19
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. (CA)

Disputes were sent out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - To date, nothing has been updated or completed. Over 90 days and still the same letter being sent as verified. I am a consumer and it is my right to dispute inaccurate information on my credit report or reports, which I have, and nothing has been done about it.
Consumer complaint received 2017-12-19
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. (CA)

Disputes were sent out on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX - To date, nothing has been updated or completed. Over XXXX days and still the same letter being sent as verified. I am a consumer and it is my right to dispute inaccurate information on my credit report or reports, which I have, and nothing has been done about it.
Consumer complaint received 2017-12-19
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. (CA)

On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.
Consumer complaint received 2017-12-19
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. (WA)

This complaint is about : Experian My personal information was compromised through the negligence/incompetence of XXXX in the large breach earlier this year. In XXXX, I repeatedly tried to freeze my credit files with Experian through their web site. Each attempt failed, and Experian 's web site information said I should mail them copies of my driver 's license, social security card, and a document to show my current address. 

On XXXX XXXX, XXXX, via certified mail, I mailed Experian copies of my driver 's license, social security card, and an insurance statement that showed my current address. According to records from the USPS,  Experian received my mailed documents at XXXX XXXX, XXXX XXXX, XXXX. 

I have not received any confirmation, notification or correspondence from Experian. Since XXXX, I have continued to try to freeze my credit files with them using their web site. Each attempt fails, once again directing me to mail them the documents I have already sent them.
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

I have disputed this debt with XXXX within all three credit bureaus ( XXXX XXXX, XXXX, and XXXX ) since XX/XX/XXXX, for an account that has been charged off sinceXX/XX/XXXX, requesting that this account be deleted from my credit reports, Due to this debt being time-barred. ( in XX/XX/XXXX, residing in XXXX in which the Statue of limitation is 6 years, to now residing in XXXX, in which the statue of  limitation is 4 years on written contracts ) I have recently accessed my credit report ( XXXX ) and found that XXXX XXXX, Incorporated has violated the Fair Debt Collection Practice Act by not only re-aging this debt to show that the account was opened in XX/XX/XXXX, but also increased the amount of the debt by over XXXX. The account was charged off by XXXX in XX/XX/XXXX for XXXX. This information is completely false and inaccurate. They also, did not purchase this loan from XXXX in XX/XX/XXXX, this account has been through a minimal of four different debt collections agency prior to XXXX XXXX XXXX  purchase of this debt.
Consumer complaint received 2017-12-07
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

I received a letter/statement datedXX/XX/XXXX from a company called XXXX. It did not contain any alleged amount due, or on whose behalf they were collecting for. i called them onXX/XX/XXXX and talked to one of their agents. He said this was an old XXXX XXXX XXXX ( HFC ) debt that they were acting as a collection agent for. It was either a 2nd or 3rd mortgage. I told him that my house had been foreclosed on in XXXX. I received another letter dated XX/XX/XXXX, which I have attached, that is identical to the first one received. I received a settlement opportunity letter dated XX/XX/XXXX, stating that the amount I owed to them was {$37000.00}, but if I paid by XX/XX/XXXX, I could settle my account by paying half of that amount, which is {$18000.00}. On XX/XX/XXXX I received a phone call from XXXX. I informed the agent that my house had been foreclosed on in XXXX, and that the Statute of Limitations in Michigan to collect on such a debt was 6 years. She indicated that XXXX or HFC had received a payment from me in XX/XX/XXXX, which meant that the statute would still be valid until the middle of XXXX. I said that was impossible, because why would I have continued sending money on a house I no longer owned. She said that even if the statute had run out, I still owed the debt. I said that they no longer had a right to pursue collection after 6 years. I have enclosed 2 HFC statements, dated XX/XX/XXXX, and XX/XX/XXXX. The first statement was the last one I could find in my records before I found the last and second statement. The last payment of {$510.00} was made to HFC, check # XXXX, dated XX/XX/XXXX from XXXX XXXX XXXX. It was cashed by HFC on XX/XX/XXXX. I have attached my carbon copy of the check, and my statement of account from XXXX. As you can see by the HFC statement dated XX/XX/XXXX, the amount past due was {$4000.00}. Since my last payment was made XX/XX/XXXX, if you go forward 8 months to theXX/XX/XXXX statement, figuring a monthly amount due of {$510.00}, that would approximately equal the {$4000.00} that I would have been behind. I have no idea how or why XXXX says they got a payment from me in XX/XX/XXXX. Why were n't they pursuing what they say I owed years ago.
Consumer complaint received 2017-12-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

They refuse to modify or lower my monthly payment they lie and refuse to assist the only thing they want is to take my home I wont give them my home nor move They dont lower my monthly payment They wont put me back on my original payment They refuse to use any program that help me to stay in my home They say denied how is it possible there is no help for XXXX like me Until my current temporary situation changes SLS are XXXX XXXX XXXX I didnt ask for this loan the person got this loan cheated and got away
Consumer complaint received 2017-12-07
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: SYNCHRONY FINANCIAL (CA)

i recently opened a dispute and i lost it. i first purchased an item from XXXX on XX/XX/XXXX, a pair of headphones they didnt arrive, so i contacted XXXX they day they were  supposed to arrive, XXXX reps said the item was still in their warehouse and issued a refund. again onXX/XX/XXXXi try to purchase headphones again, fpr the amount of {$320.00}, opted in for same day delivery, item was not delivered. i contact XXXX and again they say item was in their warehouse still but couldnt issue refund since cut off time wasnt passed yet. the next morning i receive an email stating the item was shipped from their warehouse onXX/XX/XXXX at XXXX, so i tracked the item but it said it was scanned delivered on XX/XX/XXXX! i contact XXXX and they said they couldnt issue refund since this " issue ' had already happened to me once, the first case above, so i start a dispute with XXXX XXXX  issuer of the XXXX store card, and i lose the dispute because XXXX provided " delivered status '' so now both companies are not helping out, ignoring phone calls, emails that clearly say XXXX used inaccurate information and XXXX XXXX didnt go through a completed investigation. please help here, i am not paying for an item i did not recieve especially {$320.00} dollars!!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (DC)

On XXXX XXXX, XXXX, I applied for a XXXX XXXX  Rewards credit card from Chase Bank. I applied for this card after clicking on an online advertisement ( to the best of my recollection, it was an ad on XXXX ) offering a promotion for new card applicants to receive XXXX XXXX Rewards bonus points if they spent {$2000.00} in the first two months of using the card. 

I remember the terms very clearly because it was the *only* reason I applied for this card. I already have three other credit cards and had no need for a fourth, but these terms were attractive enough to entice me, in part because I travel often on XXXX and was about to book a flight that would put me near the {$2000.00} spending requirement. 

I applied for the card and was quickly approved - I booked three round-trip flights for my family the same day. I received an email from Chase with the terms of my card agreement, but nowhere in the documents did they confirm or explain the terms of my promotional deal. 

Over the next two months, I made a point to continue spending with the card to ensure I reached the required {$2000.00} threshold. I also continued to see advertisements for similar deals, promising big bonus points for signing up for a new card. ** I waited for the points to post to my account, but they never did, so I called Chase Bank today. 

A Chase customer service rep told me that the deal I had in fact signed up for was much smaller : only XXXX bonus points if I spent {$500.00} in the first month, plus a {$200.00} credit on my statement. The Chase representative said I may have clicked on the wrong offer inadvertently, but I do not recall at any point seeing those terms offered as an alternative to the much larger deal. That would not have been enough to entice me to open a new card I did not need. 

She also offered no explanation for why I would n't have been eligible for the bigger reward, which was certainly being offered at the time I signed up. Instead, she said there was nothing she could do. 

I believe Chase used unfair and deceptive tactics to earn my business, and is now refusing to honor what I believe I am owed, despite my being what I consider a model customer - paying my bill on time and continuing to regularly use the card. 

**I have attached a copy of the card agreement I received from Chase, with no mention/explanation/confirmation of any reward terms. I have also attached an email from earlier in the year with an advertisement similar to the one I recall seeing many times and eventually clicking on. The image in the add is the XXXX XXXX Rewards Plus card, the same card I now have.
Consumer complaint received 2017-12-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (GA)

While on vacation my wallet was stollen, so i informed suntrust of this and canceled cards to my personal account. My estate/business account opened with suntrust bank had a large amount of money missing. I went in to make a withdrawal, once the withdrawal was made i had the teller ( which happened to be the manager ) print off my balance which read {$1800.00}. I asked her to relook at my account because that was inaccurate. She informed me to call the fraud prevention and start a claim. she printed off all of my withdrawal slips since the account had no debit cards to it. The fraud team investigated my account and informed me that they had found $ XXXX. They emailed over the affidavits and i promptly got them notarized and returned. Upon recieving them they told me in 15 days my money would be returned. The XXXX day i called to request that they do not put any money in that account due to what previously happened and they were quick to inform me that they denied it. and refused to give me a reason why they decision was changed. i am a local business owner and i want justice. i work hard for my money not for it to be taken. I have to now try to rebuild my credit which was in great standing prior. I have documents proving this is fraud! the withdrawal forms, some have missing dates, wrong signatures, dublicated withdrawals, and the id used was my TN id which was stollen.
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc. (NC)

In XXXX XXXX, I received a letter dated XXXX XXXX from Carter Young , Inc. attempting to collect an alleged debt of {$130.00}, that I was n't aware of. 

On XXXX XXXX, XXXX, I properly disputed the charge via mail, email and phone call. You can find attached a copy of the correspondence. 

On XXXX XXXX, XXXX, Carter Young sent an e-mail in order to prove the legitimacy of the debt. However, Carter Young failed to provide any physical proof showing that I ever owed the alleged amount to their client. In fact, the provided proof was a letter from their client mentioning that I once agreed to paying {$130.00} as an application fee. In addition, their client mentioned that I agreed to certain terms but failed to provide proof of my agreement. Also, as part of the proof, Carter Young sent a copy of my driver 's license picture, which was taken as part of a promotion during my visit of their client 's premises. As you can see attached, this does not appear to be neither an agreement between me and Carter Young 's client nor does it appear to be a contract to pay. 

On XXXX XXXX, XXXX, I sent another email to Carter Young asking for a copy of my written agreement  and/or signed consent to the alleged terms. 

On XXXX XXXX, I received a call from a Carter Young 's employee ( XXXX ) letting me know that their client could not provide physical proof to the agreement. In addition, she mentioned that the debt was up for reporting. I informed her that I would need all communication in writing and she sent me an email stating that their client could n't prove the debt but still needed payment for this debt. 

Carter Young is trying to collect a debt that It can not prove and is threatening to report this disputed and unproved debt. Carter Young is solely trying to collect a debt just because their client said there is a debt although they can not prove that I ever agreed to paying any amount of money to their client or ever entered into a contract with their client. Therefore, I am asking to have this collection dropped since the debt can not be proven.
Consumer complaint received 2017-12-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I bought a car from XXXX XXXX back in XXXX 2017. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MN)

On XX/XX/XXXX, I ordered {$20.00} of Bitcoin and {$20.00} of litecoin from Coinbase. They were perfectly fine taking my money, but I can not add a way to sell and get money back. After waiting on hold for TWO HOURS, the customer service rep told me to try again with a bank account and that was all he could do. ( This is all after opening a support ticket approximately one week ago ). I still do not have access to my funds. Coinbase has not contacted me about my open ticket and I am being left hung to dry with no money from it and not being able to get the money I supposedly have on their application. I just want the money I OWN back.