davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
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: NAVY FEDERAL CREDIT UNION (AL)

I have been having a problem getting a dispute taken care of for several months now. On XXXX XXXX, I made a purchase with a company by the name of XXXX XXXX. I was supposed to receive some cosmetic products, but they were never shipped and I requested a refund. I have not heard from the company since so I sent a dispute to NFCU for a refund of the transaction. I submitted and faxed my information on XXXX XXXX, and received no details on the case at all. I contacted NFCU business services and they said they had no record of the dispute. So I filed another, and a month later still no response or even acknowledgement they received anything. I have sent the information to their mailing address, their fax number, even sent messages to them through their online page with no response. 

I can not get anyone to help me. 

Included is the charge. It is for {$7900.00} Even if I did agree to pay a 20 % restocking fee in the application ... ..I never actually received anything.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  sold my account to XXXXXXXX XXXX. When my account was sold XXXX provided the wrong information - the wrong address, phone number, email, everything. They also disabled my login, and left me unable to authenticate myself ( can't if I dont have account number or matching information ). I was unable to register a new login because my information did not match ( I live in Texas, the address was a new york corporate address for a corporation I do not work for and never did ). 
This negligent act meant the company would not allow me to make payments and it took several months to correct this issue. By the time it had corrected they marked me with a 30, 60, and 90, 120, and 150 day late payment on my credit report. While the account is current now they intentionally and maliciously sabotaged my credit score. Then to add salt to the wounds they slashed my credit limit based on the low score they caused.
Consumer complaint received 2017-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

Coinbase has a 2 step verification process that includes texting a code to your cell phone as the second step. I no longer have the phone that I used when I first signed up with Coinbase and so my 2nd verification process is going to a phone number that I no longer have. I have tried on numerous occasions to log in, and then change my cell number so that this would be resolved. I was told that I had to have a Web cam in order to fix the problem, so I go out and buy a web cam and take a picture of both the front and back of my drivers license and then a picture of myself as well. That should be easy enough to do, but when I try to submit the pictures, I always get an error message. So I am still unable to log into my account. I have tried to contact customer service numerous times and have only had one response : " XXXX XXXX replied : Hi XXXX, Thank you for contacting Coinbase Support. 

Im very sorry for the difficulty completing the ID verification in order to recover your account. In order to complete account recovery, your ID must be uploaded by you into our system by webcam, along with a photo of your face ( a.k.a. a selfie ). Unfortunately this process can not be completed using the mobile app. 

If youre having trouble getting your upload approved, here are a few troubleshooting tips for uploading and verifying your ID : - Take the picture in a well lit area. Natural light works best. 
- Try to use indirect light for your ID to avoid glare - Use an up-to-date version of the XXXX browser - Clear your browser cache, restart the browser, and try again. 
- Wait 30 minutes between attempts If none of these steps help, please let us know and we will do our best to continue the troubleshooting process. ''
Consumer complaint received 2018-06-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MI)

I have been wrongfully charged overdraft fees from PNC Bank, and this is not the first time. I enclosed my latest checking account statement ( dated XX/XX/XXXX ) and numbered each line to help explain my complaint. 
Line : 1 & 2 -Two overdraft fees already posted for XX/XX/XXXX. ( Not Pending ). Balance before this debit {$520.00}. 
Line : 6 - Debit for {$22.00} dated XX/XX/XXXX. Deducted last instead of the debits occuring on XX/XX/XXXX. 
Line : 3, 4, & 5 - These three XX/XX/XXXX debits ( still pending XXXX should have been deducted from my account after the XX/XX/XXXX debit allowing for only one NSF fee. 

Calling PNC Bank was a waste of time. I explained the situation, however, I did not receive a legit answer or refund of my NSF for their mistake. This bank seems to look for reasons to charge these fees.
Consumer complaint received 2018-06-03
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. (GA)

I have repeatedly disputed several items on my report that are either not mine or inaccurate. This has been going on for almost 2 years now with no resolution. I have submitted documentation both by mail and fax on multiple occassions.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please dispute inquiry on my credit report from XXXX that been showing over long periods of time then the law requires. Ex : Bankruptcy, old loans, student loans, car loans, credit card payments, and hard inquiry.
Consumer complaint received 2017-08-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (OR)

I purchased a Vehicle Service Contract ( VSC ) from Honda when I purchased my car 2 years ago. This contract was presented and sold to me that I would have access to road side assistance and free rental car when my car was in  need of repair. Below, Ive also pasted verbiage copied directly from Hondas website regarding this contract. 
A XXXX XXXX XXXX provides benefits your manufacturers warranty does not. For example, with XXXX XXXX, youll get roadside assistance1,2 and rental car coverage1 when your vehicle is being serviced for covered repairs, and extensive component coverage5 Recently I received a recall notice from Honda and called to make an appointment. I was told that I do not have a Vehicle Service Contract. I called back again and the second  representative I spoke with stated that I do have one but that a recall is not considered a repair. My car is in need of repair due to the recall. Their verbiage is ridiculous. They are selling a product that does not provide what is described under their terms. 
I wrote to customer service and requested that they confirm that I purchased the VSC. They responded and stated that their records indicate that I do not have one and advised to call this number ( XXXX ) if I had any additional questions. ( Case Number XXXX ) The email I received also stated that a case manager would be reaching out to me in 1-2 business days. It has now been 8  days and I have yet to receive contact. 
I called the number provided and spoke with XXXX XXXX who CONFIRMED I have a VSC. I requested that she send me a copy of the contract which I received in the mail last Thursday ( XX/XX/XXXX ). I sent a copy of the contract to Honda on that same date and asked that they note my account so that I dont encounter this issue in the future. Still no response. 
The VSC I purchased cost over {$2000.00} and added an additional year of payments to my loan. This is a substantial amount of money and it is mind boggling that Honda can not accurately track their own records. 
I am appalled at the lack of communication from Hondas customer service. The VSC is a SCAM. I either want my money back or for Honda to acknowledge that I have a VSC and provide me the coverage that I purchased. My car is being recalled and needs to be repaired. Under the terms of the contract, a rental car should be provided when I bring my car into XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2017-08-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Good afternoon, I got business loan from Bank of America 5  years ago. My financial situation changed ( got divorced ) and was trying to re-negotiate my interest rate and loan term. Bank refused to do that for 3 years now. Only put me on Forbearance.and makes my debt even worst. It is not possible to work with somebody there because they all the time changing representative. 
Now they threatening me to sue me instead to come to right solution. I do not want to file for bankruptcy, I love my profession and I would like to continue helping my patients. Bank does not understand that dealing with XXXX insurances is killing our profession. 
Please help! Thank you. 
Sincerely
Consumer complaint received 2017-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NV)

After numerous harassing calls, I have decided to set up an account with my bank to make monthly. To stop their " bleeding calls '', I called to tell them of my intent to start monthly payments beginning XXXX XXXX of 2017. I was shocked when I was told to give them my card or account number to make the first payment so they can forgive the past due amount. I offered to sen a check, but that was not good enough. They wanted all the information over the phone immediately. Sounds fishy to me. They even offered to wait two weeks to charge my account. Makes no sense.
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

Unfortunately what I have noticed is CFPB is VERY similiar to the reporting agencies in their methods of " limited options '' when attempting to remedy problem. Basically, giving the consumer options that generally DO NOT FIT many of the problems they are encountering ... ... what a tactic. Anyways ... ... received a document from Synchrony Bank regarding an account ( will submit document w/info. ). First ... ..this document is USELESS!!!! They wrote on their own document this phantom account was a " charge off in XX/XX/XXXX'' ... ..so ... ..how do they propose to investigate on an account THEY DOCUMENTED THEY CHARGED OFF in XX/XX/XXXX?????? THEY THEN DOCUMENTED THEY WERE PAID ... ... THIS YEAR ( NOT FROM ME, yet they continue to claim I did ) ... ..BUT YET CAN NOT SHOW DOCUMENTATION FOR IT???? NOW they have the nerve to send me a document to " investigate '' ... ..A MAKE BELIEVE CHARGE onXX/XX/XXXX for {$12.00}!!!!!!!! WOW ... ... SYNCHRONY BANK HAS JUST COMMITTED FRAUD!!!!!!! ... ... .they just sent a document on an account that does not exist ( they have no documents if anyone actually owned this alleged account even when I have demanded to have them sent to me ) ... ..and based on their letter to me, was a " charge off ''. So how is a " charge off '' from XX/XX/XXXX ( their own document states this ) magically reopened and used on XX/XX/XXXX. ONLY SYNCHRONY BANK CAN PERFORM THAT SCAM DIRECTLY!!!!!!! Under merchant ... it says " FRAUD SALE '' ... .WHAT????? This is sick!!!!!!!! Synchrony bank has committed fraud ... ..I never opened an account ... ..Who at Synchrony BAnk is telling their workers to open up accounts without consent???? Is this how Synchrony Bank obtained all their business ... ... opening up phantom accounts?????
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-08-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Company - Portfolio Recovery Associates, LLC Acct # XXXX I have sent this company 3 letters trying to get this debt validated with my signature. They sent me a print out of an old bill which is not validation per fair credit laws and Attorney XXXX XXXX XXXX. I received a letter from this company on XX/XX/XXXX stating 15 fair credit reporting act U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( ii ), frivolous or irrelevant dispute and stating they will no longer investigate my dispute. The company also changed the amount from {$460.00} to {$660.00} which they were reporting to the credit agencies. I have the letter with the 2 different amounts on from the company. 

Portfolio Recovery Associates, LLC, will not follow the Fair Credit Laws to when it comes to people trying to establish validation of a debt and then increase the amount. This company must think people do n't know their rights or do research or keep documents when trying to get validation of a debt. 

Very Angry Person
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo cashed a check with a forged signature, withdrew the money from my account and has failed repeatedly to accept responsibility for the fraudulent transaction and return the funds to my checking account. I have spent hours -- more than ten -- speaking to Wells Fargo representatives by telephone and on hold waiting for them, but no one is willing to resolve the issue. This has gone on for more than a month. I am issued one claim number after another, but half the time I call, the person I speak to ca n't find the number that was given to me. I ordered the check for {$670.00} through the XXXX software on my laptop, and the check was sent on paper by U.S. mail to the Post Office box of the company in Maine that invoiced me for a repair the company had performed. The owner of the company said she never received the check, but it was cashed with an individual 's signature that the owner could not identify. The check was made out to a company, but the endorsement did not bear the company 's name. A copy of the check supplied by the bank is attached to this complaint. Wells Fargo sent the company an affidavit, which the owner said she returned asserting she did not receive or cash the check. I believe Wells Fargo is legally responsible for cashing a check with a fraudulent endorsement and should have returned the money to my account weeks ago. When I try to track down my claim, I get referred to one department after another at the bank, from consumer services to fraud to online payments to XXXX, but no one accepts responsibility, and the issue never gets resolved.
Consumer complaint received 2017-08-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Liberty Credit Services, Inc. (MN)

XX/XX/XXXX XXXX from Liberty called XXXX ( me ) at XXXX. I told XXXX I am exempt from you taken money out of my account. XXXX Started yelling & said I am not exempt for nothing. 
I sent Certified copy on my income which is XXXX XXXX XXXX on XXXX/XXXX/XXXX. Recd card showing Liberty rec 'd it. 
Also last year Liberty had my bank account frozen. XXXX when to court in and proved the income was from XXXX XXXX XXXX. Liberty did not even show up for court nor sent the paperwork in to court on what missing paperwork was missing. Judge ruled in my favor. 
Nothing has change. Yet Liberty is taking me to court again. I prove I have am exempt because I receive XXXX XXXX XXXX. 
They should not even be calling me when Liberty has rec 'd the paperwork. 

This is verbal and harassment.
Consumer complaint received 2017-08-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (IN)

On XX/XX/XXXX, I filed a Chapter XXXX through the US Bankruptcy Court. Notice of the filing was sent to AD Astra Recovery Service and their client XXXX XXXX XXXX After receiving notice, they violated the immediate " automatic stay '' by reporting the debt to the Credit Bureaus. They have each month continue to collect the debt by reporting the delinquency each month. The last update was on XX/XX/XXXX. I spoke to a team lead and then to the Collections Supervisor, XXXX. In a recorded call, she affirmed receipt of the " NOTICE OF BANKRUPTCY '' and that " they will continue to collections process until the debt is discharged ''. I advised her that her collections activities were in violation of the Bankruptcy laws. She advised that they will continue the process.
Consumer complaint received 2024-09-05
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation.

recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. 

My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, upright law was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10 years. accounts I demanded removed ( 2007 ) repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me.

I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. 

FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

I was upset after I obtained my XXXX, XXXX and XXXX  credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as ofXX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2017-08-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

For the past two years I have struggled to make the high payments on my Navient private loans. The amounts they are asking me to pay are unreasonable. They will not work with me at all and I have no other options. My income is not high enough yet to make these payments. I am also in XXXX XXXX and they will not give me any type of forbearance.