davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-24
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. (NC)

Contacted XXXX Fraud Management to dispute cell phone account # for amount of XXXX XXXX XXXX XXXX. Company took my info and said it would be marked as fraudulent. checking credit report today XXXX XXXX XXXX and there is a collection opened XXXX XXXX, XXXX ( 4 months ) showing this XXXX account in collection by a collections company XXXX XXXX XXXX. There is no coverage in my area for XXXX cell service. I have been in my home since XXXX XXXX XXXX and I use XXXX and XXXX service for the last 20years. Seems as if the Credit company and the collections company should do a better job at verifying info before posting it to your credit file.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (MT)

I was a customer of Wells Fargo bank in XXXX, Mt. XXXX since XX/XX/XXXX or XX/XX/XXXX, checking accounts, bought 3 houses, sold and when I bought the last house owned it for 4 to 5 years, never late on payments, but got real sick, could'nt make payments, so tried to sell & rent it out till I was better, they would not work with me at all, so I had I to get a lawyer to help me, anyways Well Fargo sold the house had no problem selling it. I even payed the them more then my mortgage payments at times and still made payments even when I was'nt living there anymore, so I say between a renter that moved and me still making payments nobody living there got to point I just could do it anymore, so closed all my accounts between XX/XX/XXXX to XX/XX/XXXX?? so obviously I moved out, since then Wells Fargo has sent me a settlement check stating it was for a class action for {$10.00} to {$14.00} dollar, then sent, then sent me a credit card to use which I never asked for with a {$10000.00} credit line which I have never used still have it just filed it just thought it was strange and this was to my new e-mail & address and was sent XX/XX/XXXX sent me a email stating from WFsettlement.com for a XXXX   XXXX lawsuit ..I never deleted so if you need a copy of it let me know..If I got something coming to me that would be great, if not oh well ... confused!! and Thank You for your time, have a great day!!
Consumer complaint received 2016-05-27
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC (TX)

On XXXX XXXX, 2016, Nationstar updated loan XXXX status to BANK ADJUSTMENT/DEED IN LIEU//BANK LIQUIDATION. 

This credit line should be deleted, the aforementioned update does not delete it. I have not been apprised of any change to validate this change
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  refuses to correct and delete the inaccurate information. they show I owe COLLECTIONS {$730.00} total for months of XXXX through XX/XX/XXXX for when a final order was signed by a judge to stop and deceased starting XXXX. I have submitted the final order on several occasions along with my attorney to state of XXXX XXXX XXXX XXXX, As of XXXX/XXXX/XXXX they still show on my credit reports. I have know asked to have this account completely removed all 3 credit reporting agencies due to many times I have disputed this over 8 month period and they financial and emotional hardship I have due to fact this has denied me loans to pay off my attorney for a custody battle in Missouri state.
Consumer complaint received 2017-08-28
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Reverse Mortgage Solutions, Inc. (CA)

I assisted a client in obtaining a reverse mortgage XXXX years ago. XXXX was new at that time and my client was a few days late on a property tax payment due to life saving XXXX she was having so the lender at that time required her to have the XXXX account. She continued to pay her property taxes on time whereas the lender/servicer XXXX was late on her payments and just included the penalty from her funds. They also held {$60000.00} of her credit line funds in an account for future tax payments. We are attempting to refinance into a new reverse mortgage without the XXXX and XXXX is not going to refund the {$60000.00} of her funds back to her. They will not change the hecm to hecm worksheet therefore, the new lender will not make her a new loan. 

They ca n't just keep XXXX funds for no reason.
Consumer complaint received 2017-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have XXXX GBP ( about XXXX US Dollars ) on account with Coinbase. 

In order to withdraw money from my account, Coinbase says I need to verify it by depositing XXXX Euros by bank transfer. They say that once this is done, the account should be verified within 2-3 business days, and I should be able to withdraw my XXXX GBP. 

I deposited these XXXX euros on XX/XX/XXXX, and as of this writing Coinbase is still refusing to verify my account, and is withholding my XXXX GBP. 

I first contacted Coinbase about this onXX/XX/XXXX. I have received many vague responses assuring me a resolution is just around the corner, but as of this writing, they still have my money. 

I am attaching the history of my communications with Coinbase. 

Thanks for reading, and I hope you can help me out with this.
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX still has my account as showing openon all 3 Credit Bureaus. When I paid a settlement agreement of {$500.00} to have this account closed. I signed the paperwork they sent me and said it would update in 30 days, it is past 30 days.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

the XXXX account in question XXXX ACC # XXXX, Is reporting a late negative, which i never committed, please have all three bureaus to remove this inaccuracy. 
i have already submitted the creditors letter for which they have approved of removing them, as banking error.
Consumer complaint received 2017-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

XXXX is the bank for XXXX XXXX. 
I purchased a table on XXXX for XXXX, i have been making monthly payments, payments have not been applied to my account towards this item, I have made several payments, they are not being credited to my acct, the statement with the due date of XXXX, shows there was only XXXX was deducted from that item. 
The other amount was charged on XXXX, started off at XXXX, only XXXX has been deducted so far. Payments made :XX/XX/XXXX{$30.00}, XXXX? ( {$30.00} XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX Total 2 amounts XXXX + XXXX XXXX - XXXX = XXXX XXXX was on my bill, payment due date XXXX/XXXX/XXXX. By XXXX XXXX, I had paid XXXX. My XXXX bill shows a balance of 800.00. They are not deducting my payments in a timely manner. 
I was unable to get through to a customer service rep. I called at least 5x, XXXX XXXX, I then XXXX the XXXX of XXXX XXXX, I kept being transferred to a number that I was unable to speak to a rep. 
There are 2 different amounts 0 % interest payable in 6 months. I asked that my payments be put towards the table, I paid XXXX on XXXX XXXX. It was not credited. 
They are not subtracting my payments. U asked them to apply my payments towards the bill due by XXXX, they refuse and said they will only apply XXXX, towards the table, therefore I will not benefit from the 0 % inXXXX offered, instead a bait and switch and theft! 
Acct number XXXX XXXX XXXX XXXX My number XXXX XXXX XXXX
Consumer complaint received 2017-08-27
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. (AZ)

On XX/XX/XXXX a company I had done prior business with fraudulently charged my card {$4000.00}. The company had a prior charge which I had signed for. the XX/XX/XXXX charge, was not authorized and the bank does not have a signature stating we authorized the charge. I reported the charge fraudulent on XX/XX/XXXX before it was paid to the merchant. An investigation was completed and we were informed the charge was fraudulent, the card was cancelled and new credit cards were issues. On XX/XX/XXXX the charge was put back on the new credit card account and the bank has been unable to tell us why it was being recharged. 

The bank is chase bank. And I have tried to resolve the issue with them. I have sent the bank another complaint but have been informed they will not discuss with me as it was filed in XXXX and they will not take a second report. The charge is still fraudulent and needs to be resolved so my credit is not affected. Per regulation e the bank is well past the time required to complete their investigation. 

The bank has not provided any proof that I have made the charge, because they do n't have any. 

Please help me resolve this issue with Chase bank.
Consumer complaint received 2017-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC (TX)

These people keep calling my mobile number and do not leave a message. They are using various XXXX area code numbers which is my area code. They are in South Carolina. I called the number to see what the name of the company is. I have no idea who they are or why they are calling and have never received anything in writing from them. Any debt I previously owed is over XXXX years old and past the Statute Of Limitations in Texas ( 4 years ) and not showing up on my credit report or has been charged off. I do not want to receive calls from this company again.
Consumer complaint received 2017-08-28
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: AMERICAN EXPRESS COMPANY (NJ)

I researched the American Express Blue Cash Preferred Card and everywhere I checked it is advertised as {$0.00} fee for the first year and then {$95.00} after that. I signed up for the card and Amex billed me for this and is refusing to honor this because they are saying I did n't apply for that offer. That is the primary reason I signed up for the card.
Consumer complaint received 2017-08-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (MD)

An account was opened fraudulently in my name with this company. I called twice before getting to speak with XXXX from the XXXX XXXX XXXX and explained to her that I was not the person that took out the loan. I then went to the office and asked for a copy of any documentation that was used and that I would sign an document stating that I swear to not opening the loan. She then told me that they could not find the check or any documentation and the loan would be absolved. I think continued to request a copy of the paperwork and after more than 30 days, I have not received any documentation and the account has been added to my credit report. I have disputed the account and send formal written letters to the company headquarters and still no paperwork has been sent and they verified the account with XXXX XXXX stating that the account was valid. I have not been able to reach anyone to get any information and XXXX XXXX will not dispute the account again until after a wait period.
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This has been going on since XXXX. I had to file bankruptcy and my credit has been hacked multiple times by XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-08-10
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. (FL)

Regardless of multiple written requests, the unverified account listed below is still reporting negative on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. DEPTEDXXXX  XXXX.
Consumer complaint received 2017-08-27
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: Bread Financial Holdings, Inc. (GA)

Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX,  GEORGIA XXXX To : XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX  Subject : Returned Item ( Tent ) on XX/XX/XXXX. AFFIDAVIT OF TRUTH I returned the tent that was sent without a canopy, no directions for installation, and the wrong color on XX/XX/XXXX via XXXX  delivery. Call tag number XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ; a total of 4 boxes returned to shipper.
Payment for the tent was made through PAYPAL, A dispute was submitted to PAYPAL for the returned item. The dispute included the reason for the return as being the wrong product ( color ) amongst not having instruction, and missing the canopy, and other parts. SEE EXHIBIT A thru F You or your supplier should have received the returns, and verified all the issues in my complaint were accurate, thus rendering a full refund. Thirty ( 30 ) days have passed, and all settlements should have occurred. PayPal has my account remaining in dispute which is depriving me of the purchase amount. I have fulfilled my obligation in returning the items ( s ) to the sender XXXX XXXX. All accounts shall be made current and reflect accurate status of my obligation ; XXXX amount owed to Paypal credit and XXXX amount owed to XXXX XXXX
- {$700.00} USD XX/XX/XXXX  XXXX Regards , XXXX XXXX Cc : PAYPAL XXXX XXXX XXXX, MD XXXX ( Paypal has closed there side of the case and charged me the full price for items I do n't have. I Sent the letter below to both the shipper and Paypal with exhibits from XXXX website showing the items were returned. Paypal still will not credit me the purchase amount. I need some intervention. I have tried to respond within Paypal system, but the system always state there was an error one the respond button was selected. I sent the letter via certified mail return receipt. I received the green card back without signature? I am asking for a full investigation into the dispute process of Paypal. I should have received a refund within 30 days, that did n't happen ).
Consumer complaint received 2017-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I cashed a check for {$300.00} in my checking account on XXXX/XXXX/XXXX. XXXX week later on XXXX/XXXX/XXXX, Chase bank debit me for {$500.00} because they say their teller system processed that check for {$800.00}. But I did n't receive the extra {$500.00} when I cashed this check. I asked the bank to send me an evidence that they actually paid me {$800.00}. But they do n't have. Instead, they use an internal Deposit Account Agreement that they can always to debit me for any debt. They ca n't prove I own them any debt. This is complete nonsense that the bank debits me {$500.00} for their internal operation error.
Consumer complaint received 2017-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (LA)

XXXX XXXX is taking me to court over a supposed credit card debt that, I do n't recall signing for. I have sent three letters to XXXX XXXX asking to show proof bearing my signature of a such loan with their company with not response. Next I sent another letter asking them to show proof of my signature on anything agreeing to open an account with them with no results. Now I am being taken to court with no discovery of such debt nor information of such a debt paid for by them or bought with an act of sale with care credit. Not sure how they are authorized because in the disclosure it states the binding agreement is with Care credit, I have disputed this bill and the amount. XXXX XXXX is not a bank or credit lender and not authorized to file such a suit from the state of Delaware. The company or attorney 's are in XXXX XXXX an not authorized to practice law for the state of Delaware. I want all actions of lawsuit to cease and stop. I want to file suit against XXXX XXXX for false discovery an not providing proper sale of such said item not bearing my signature of any money owed to them what so ever the attorney 's office is XXXX XXXX XXXX XXXX XXXX. Or XXXX, XXXX XXXX XXXX. XXXX XXXX Louisiana, non licensed to practice for the state of Delaware. Telephone number XXXX -- XXXX.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I have an issue with the Ultimate Rewards program. The first thing I see when I login on the left side is my Ultimate Rewards balance of XXXX total point as of this moment that I am writing this. Upon clicking on it, it displays the XXXX credit cards with their respective " current '' point balances and asks me to select one. After I select the card account that has XXXX points, I hover over to the top right where it displays XXXX points and then select combine points. On the combine points screen, I select to move XXXX points to the other credit card account with XXXX points. I then select the option to move all my points. After I press Review, on the next screen I click Confirm & Submit. Then I get the message " An unexpected error occurred. '' I called customer service today and spoke to XXXX. She said since the account was closed in XX/XX/XXXX, I had to have used my points within 30 days. I did not know that. If that really is the case, then why does it say that my " current point balance '' is XXXX points? If I am not allowed to use the points that I have earned then why does it say that those points are my " current point balance ''? She was not able to give a satisfying answer.
Consumer complaint received 2017-08-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I disputed this Item several times with along with others with Equifax however, they did not comply with the State Attorney General Settlement Agreement and 609 letters  with this one particular item. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Equifax has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify the item. If you do not have any documentation in your files to verify the accuracy of these disputed item then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.