davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

My lender is Nationstar d/b/a Mr. Copper. The courts put me into modificiation with the lender. Then COVID - 19 struck our nation, in the middle of this crisis ( End of XXXX  ) I received a phone call stating that I was APPROVED for Modification, but the catch was the person said I need to pay immediately ( {$970.00} ) which was {$150.00} more than my current payment. When I asked what program I was approved for they said HAMP ( which according to the government website had expired back in XX/XX/2019. When I question How was I proved for a programs that NO LONGER exists, I was not given a answer. I was ONLY ask to start making this very HIGH payment. NO DOCUMENTS, NO INFORMATION ON THIS PROGRAM, NO COURT MEDIATOR, NO ATTORNEY, EVERYTHING HAS BEEN SHUT DOWN!!! Now this company has decided to continue with the foreclosure.
Consumer complaint received 2020-08-19
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. (GA)

I have disputed an error on my report and it was removed in XXXX. It was removed because it failed to be validated by the collections agency. Transunion reinserted it again today without any prior notice.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (MD)

Please note my chief complaint is misappropriation of principle and Interest payments made to Chrysler capital. As a young XXXX American who is considered low-income. I also believe that I am paying a higher Interest rate because I am XXXX American. This is A payment was made to Chrysler and Chrysler capital applied the entire double payment that I made to my interest and nothing to the principle that was due. They advised that they did not send out a notice or have to get my signature for such action because it was a recording. I asked them to provide documentation of such motion but to no avail. In this current pandemic, I was able to pay {$1100.00} which I really did not have to spare. ( From XXXX XX/XX/XXXX to Date XX/XX/XXXX, {$5200.00} has been paid towards the interest. {$1700.00} has been paid towards the principal. )
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2021-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

My credit score with Equifax has dropped 120 points in a week. I have called several times asking what caused the drop as the only recent activity is the deletion of 2 collection accounts and the pay off of a car loan with XXXX XXXX XXXX. 

Their response is that I would receive an email yesterday that didn't arrive and refusal to disclose what caused the drop. They did say their system shows a higher credit score than their portal of which I pay for access. They clearly have an issue, admit there is a discrepancy with scores between their internal system and what they provide me and refuse to offer any assistance explaining the rapid and sharp decline in my credit score. 

Please, please help. I am attempting to salvage my business with an SBA loan that is vulnerable given the lowered credit score. 

A graphic representation from Equifax of my credit score has been attached. 

Thank you!
Consumer complaint received 2021-05-19
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: BARCLAYS BANK DELAWARE (TX)

On XX/XX/XXXX, I dropped off a XXXX  ( XXXX XXXX rental car at the XXXX XXXX XXXX XXXX, XXXX Airport before catching a flight back to the United States. To my knowledge, the car was in excellent condition with no damages and the rental was paid in full. 

On XX/XX/XXXX, a charge from XXXX appeared on my card for {$200.00}. 

I contacted XXXX to dispute the charge that I did not recognize. On XXXX XXXX, XXXX sent me a form letter telling me that the dispute case was closed because the company was not provided with proof of paid by other means. 

At this point, I began my own investigation and determined that I was being charged for damages to the car. I filed a claim with Mastercard rental car insurance. I have copies of some of the many emails we have exchanged over the last several months. Long story short, XXXX ( operated by XXXX ) never provided photos of the damage or an appraisal or estimate of the damage and therefore my rental car insurance will not cover the alleged damage. 

I believe now as I did back in XX/XX/XXXX that there was no damage to the car, and the charge is FRAUDULENT. 

On XX/XX/XXXX, I spoke with a supervisor from XXXX who assured me that the charge would be refunded. Today - XX/XX/XXXX - I was told the case is closed and no refund will be issued to me. 

As a consumer, I am caught between a rock and a hard place. 
1 ) XXXX will not provide evidence of the rental car damage 2 ) Mastercard rental car insurance will not pay the damage because there is no evidence 2 ) XXXX will not refund the charge. 


Please help!!
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (CA)

Gemini Trust Co. has been freezing my account and other customers as well with no explanation, essentially seizing my funds. They give no explanation as to why they do this. 

The freezing never occurs when depositing fiat money into Gemini, they seem to never have a problem accepting your money. it occurs the moment you attempt to buy, transfer or sell anything after the money has been deposited into Gemini. 

You do not have an option to withdraw your currency in any capacity once they freeze your account. 

There has been no fraudulent activity nor have I done anything outside of Gemini 's term or conditions to merit this. 

I have everything documented which clearly shows they have a pattern of behavior which warrants a closer look. 

I am not accusing Gemini of being a fraudulent company but they will need to seriously address this problem which is not limited to just me but many others. 

There have very little, to no customer support. You submit a ticket via their support page and hope to get an automated message or an answer days, weeks sometimes even months from what I've seen other complaints show. 

The first time they froze my account was on XX/XX/2021 for 4 days which I have the entire paper trail for, as much as I asked for one, I was not given an explanation. XX/XX/XXXX They unfroze my account and basically said " you can use the account again ''. That was it. No apologies, nothing assuring me that this wouldn't happen again. 

It happened again today. XX/XX/2021. 

I gave them a second chance because I thought Gemini was a legitimate company. I'm not sure what to think now. I really did not want to have to take it this far but no company should have the ability to sieze your money with no explanation.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XXXX my card was used to take money out without my authorization in XXXX, FL and an amount of {$100.00} was taken from an ATM. I contacted Wells Fargo and they refunded me the $ XXXXThe bank turned my card off and issued me a new card. 

On XXXX my card was used to take money out without my authorization in XXXX, FL at the same ATM for {$100.00} again. I called the bank to report fraud again. Initially they refunded me the {$100.00}, but then reversed it. Wells Fargo turned my card off once again and issued me a new card. 

On XXXX my card was used again at the same place for the same amount. I called my bank once again, but they informed me that they will not do anything about it because they informed me that they completed their research and based on the information available to them, they believe it was made by someone with my permission. They closed my claim without refunding me the money that was stolen from my account. 

For every occasion, my card was in my physical possession. I told the bank this as well, but they did nothing with the information I provided and now I am out $ XXXX.I believe all ATM 's have surveillance, so I am not sure why they would not check cameras. I have requested all documents from my bank in regards to this situation.
Consumer complaint received 2021-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

My name is XXXX XXXX I'm XXXX veteran. And usaa not only XXXX me on my auto insurance policy but they think it's ok to garnish my wages that va XXXX and social security XXXX for a debt my wife owed and and iv tried closing the accounts I have with them and they refused my request 3 times now. And they keep returning all payments. XXXX  is a XXXX and they need to be taught how to treat veterans. And XXXX and XXXX are some XXXX XXXX. I need instructions on how to file answer to garnishment in arkansas. I was never served with any paperwork before the garnishment.
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCBA Inc. (CA)

XXXX has failed to validate a debt reporting to my credit report in the amount of XXXX. I sent out a validation request in XX/XX/XXXX and again in XX/XX/XXXX in writing by certified mail. As of today they 've failed to validate this debt.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

My name is XXXX XXXX and my bank Chime closed my account on XX/XX/XXXX. I was told there was a hold placed on XX/XX/XXXX. I sent all documents needed and waited patiently. After they closed my account they didn't tell me why or accept my calls everytime I called. They said I had to contact them via email to there support line. I have reached out via email for the last 2 months and only received automated responses. I've had to sell stock and other assets to make ends meet during this closure. They have sent me XXXX dollars that was in my credit builder account but nothing else. I had XXXX $ in my checking and XXXX $ in my savings.i feel robbed
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. 

XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

on XX/XX/2021, i check my credit report and notice some inaccurate information reporting on my credit report from the 3 CRAs ( XXXX, EQUIFAX, AND XXXX  ), so i sent them a letter to delete the inaccurate information and update it to my correct personal information because i dont live there.
Consumer complaint received 2021-05-19
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: Block, Inc. (NC)

On XX/XX/2021 at XXXX someone used my VISA Cash App Debit card to purchase {$5400.00} worth of VISA gift cards out of XXXX  in XXXX NY . I still had my card with me so I thought it was some type of mistake. I contacted Cash App via email ( no one answered the number that was provided ) last week when the incident happened. I filed a police report today and sent several messages to Cash App concerning the fraudulent purchases. I have not heard from Cash App and XXXX  stated that I had to go through them since the purchases were made in-store.
Consumer complaint received 2021-05-19
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. (FL)

My wife noticed an unauthorized transaction on her XXXX account on XX/XX/2021 ( order # XXXX, order date, XX/XX/2021 for XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$520.00}. We also noted an identical charge on our Chase Bank Visa card. We immediately notified both Chase and XXXX on XX/XX/XXXX, my wife closed her XXXX account, and Chase issued us a new credit card. Both companies said they would investigate. 

On XX/XX/XXXX, XXXX sent an email to us suggesting we contact the credit card holder to resolve the dispute. On XX/XX/XXXX Chase sent us a letter claiming that it had investigated our claim and denied it because " you received a benefit from this transaction. '' We received no benefit as we neither ordered nor received any webcams. 

Subsequent attempts to resolve the dispute have been fruitless as each company continues to claim that is the responsibility of the other. We are caught in the middle of these corporate giants demanding {$520.00} that we do not owe.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I AM SUBMITTING A COMPLAINT AGAINST BARCLAYS BANK DELAWARE. I CAME TO A SETTLEMENT AND PAID THE ACCOUNT IN FULL ON XX/XX/2021. I WAS TOLD VERBALLY FROM A REPRESENTATIVE AT " XXXX '' WHO COLLECTS ON BEHALF OF XXXX THAT THIS PAYMENT WOULD BE UPDATED WITHIN 30 DAYS. IT HAS NOW BEEN WELL OVER 30 DAYS AND BARCLAYS IS STILL REPORTING A BALANCE. PLEASE UPDATE THE BALANCE AS PAID IN FULL AT THE MINIMUM OR DELETE THE ACCOUNT IN ITS ENTIRETY. I HAVE ATTACHED PROOF OF MY SETTLEMENT.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Bureaus, Inc. (DC)

I called to guys to resolve a resolution the issue one of your representatives transferred me to XXXX XXXX XXXX I talked with them but your company the bureau inc is still showing on my credit report and should be revived removed or updated so if I decided to pay or come time a a agreement what will that do for me I dont want to see no documentation I want to see some further steps
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2024-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2021-05-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Looking into credit reports i See a lot of MISLED information. Or information thats is Against my congressional laws. USC 15. Codes etc ... ... .. Remove all information that is hindering my credit scores. And contact me directly for any alerts or change into my credit reports
Consumer complaint received 2024-09-12
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. (IL)

I am asking for your support in resolving the issue of this false account on my credit report, which has negatively affected my reputation. Your mishandling has caused me significant harm, and I insist that this wrong information be removed immediately.
Consumer complaint received 2021-05-18
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. (MO)

I emailed the CEO of XXXX XXXX XXXX XXXX and I also tried reaching out to Eqiufax who I believe owns XXXX XXXX and tried speaking with four Representatives about the the matter but nothing happened and this is affecting my personal life I paid down my debt with prospects of homeownership in my mind. But I guess thats down the drain now. I just want to know how do I loose XXXX points for paying down a substantial amount of my debt. I did that thinking that it would help increase my score but it hurt and decreased my score by XXXX points. Like what is the real meaning behind a credit score if its meant to hinder poor the poor and not help us Im totally oblivious to REAL MEANING OF CREDIT REPAIR AS OF NOW
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (VA)

hello this complaint is with pay pal this account was closed months ago because of a dispute over un approved freight charges of {$1500.00} and 25 + orders never delivered from wish. 
there was a investigation by pay pal as they paid these charges, they only FOUND4 items that were not shipped and returned the charge back to paypal. " THE REPORTED ITEMS WERE A EXAMPLE OF THE BUSINESS '' repeatedly tried to get a return for the amount listed and the undelivered items. It appears that this is a date was falls represented as the investigation. next the company has closed the account and still charging me amounts. this is not right. the account has been turned over to a debt consolidation company. when they will began the proceedings my account will have to be payments to them has to increased for them to work on it. enclosed is a copy of last statement from them. i mean no harm or insult and offered to pay rest off after the refunded money and items were delivered. they did not correct the issue. this all began XX/XX/2019 please and thank you