davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/XXXX, I was made aware that a fraudulent charge of {$920.00} was made at a store called XXXX XXXX in XXXX XXXX, NY. 

I reported this to Chase and they issued back my money. I also filed a police report regarding this incident. I was even able to obtain a reprint of the receipt and the name the person used to make the purchases. XXXX XXXX is at fault because no identification or verification was done at the time of purchase. 

Chase took back the money out of my account even those I made these complaints. I submitted my police report and receipt documentation and I still keep getting no information about this. Now I am out of over {$900.00} and I am very upset. I will be leaving Chase as a customer if I can't get my money back.
Consumer complaint received 2021-05-11
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. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$530.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (IL)

On XXXX XXXX, I had disputed this debt with XXXX it was a debt that was never verified. On XXXX XXXX XXXX had also attempted to collect this debt. XXXX had deleted both of these off of my credit report, see attached copies. Professional Bureau of C, never sent me a written notice of the debt. The only way that I was able to find out is, I have XXXX XXXX and they showed the debt, on my credit report. I am sending this complaint because they never verified the debt. 

Please find copies attached, I would like to know how a collection agency without verification can show an account unpaid and n collection. 

Professional Bureau of C, was the 2nd collection agency the first was XXXX XXXX XXXX XXXX. And both of the collection agencies had different amounts.
Consumer complaint received 2021-04-27
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: WELLS FARGO & COMPANY (SC)

I WAS A VICTIM OF IDENTITY THEFT, THE RESULT OF THAT SEVERAL ACCOUNT WERE OPEN UNDER MY NAME. 
XXXX XXXX XXXX # XXXX ... .XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX, WELLS FARGO BANK XXXX XXXX. 
XXXX XXXX # XXXX,XX/XX/XXXX XXXX. 
XX/XX/XXXX # XXXX ...XX/XX/XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX CARD # XXXX .XX/XX/XXXX# XXXX ... 
XXXX XXXXXX/XX/XXXXXXXX # XXXX,,, WELLS FARGO BANK XXXX XXXX.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have requested they investigate several accounts that are being reported incorrectly. I have mailed letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are more dates but I feel this shows my attempts to work with them. My requests were to investigate and provide me details of the investigation. I requested them to delete the account based on they are reporting incorrectly. All I get is responses based on them submitting codes. No investigation ever happened. They have never provided me details of an investigation.
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (WA)

Late payment made on XX/XX/XXXX including full amount of {$130.00} and {$2.00} Interest Charge for a total of {$130.00}. I was told by a representative the {$29.00} late payment fee would be waived as a courtesy. The fee was not taken off and the account continued to accrue late payment charges on : XX/XX/XXXX : {$2.00} XX/XX/XXXX : {$31.00} XX/XX/XXXX : {$2.00} XX/XX/XXXX : {$40.00} XX/XX/XXXX : {$2.00} I was contacted on XX/XX/XXXX and I informed the representative of the situation. She claimed there were no notes in the account and advised me to call back and speak with a supervisor. 
On XX/XX/XXXX - Mother 's Day I was contacted 4 times in 4 hours starting at XXXX XXXX PST. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  On XX/XX/XXXX I called and spoke with both a representative and supervisor that both stated there were no notes regarding the original late fee, but they could waive all the late fees provided I paid the {$6.00} in finance charges. I paid to keep my credit from being ruined, but if the original fee was taken care of as I was told there would be no additional fees. To my knowledge the account was brought current on XX/XX/XXXX when I made the full payment including finance charge.
Consumer complaint received 2021-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I have contacted FedLoan Servicing three times - in XX/XX/2021, XX/XX/2021, and again today, XX/XX/2021 - regarding a series of seven non-consecutive payments they are claiming are do not count as Eligible Payments for PSLF purposes. The two reasons listed for why these payments don't count are ( 1 ) " You Do Not Have A Bill Due For This Payment Period, '' and ( 2 ) " Your Payment Was Received Outside of Payment Period Window. '' I have been on auto payment since I started paying my student loans, so neither of these explanations make sense : ( 1 ) if I had no bill due, nothing should have been automatically withdrawn from my bank account, and ( 2 ) if I'm on auto payment, any payments should be made on time, without fail ; any failure to apply an auto payment on time would be the fault of the servicer, not me.

Every time I call in, they tell me my payments are " under review. '' I don't understand why this request should take 5+ months to review and research.
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC. (OH)

I received a letter today, XX/XX/2021, that I owe {$1400.00} for a loan by phone, and if I sent {$700.00} by XX/XX/2021 it would be considered resolved.. My credit report says I owe the same amount for an account opened in the last six months. Wrong name listed and I'm sure this is not mine.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I deposited XXXX to my Coinbase account. There were 2 charges from Coinbase on my account that I did not make one for XXXX ID XXXX and another for XXXX ID XXXX. I emailed Coinbase about this issue, at first they emailed me back saying they are going to look into it. Then they locked my account with my XXXX in it. since they locked out my account I have missed out on many opportunities to buy and sell XXXX. I email them everyday and never get a response. I need access to my account as soon as possible this is a lot of money that I need access too. 
why ticket number is # XXXX number is what's on our emails as my ticket #.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding placed a collection for {$5600.00} on ALL 3 Credit Bureaus ... XXXX, XXXX, and XXXX. I became aware of this in XX/XX/XXXX. 

WHAT HAPPENED : ** On XXXX i saw LVNV was on my credit report. Never having received anything to do with this company nothing, I sent a letter. ( see attached ). 
** On XX/XX/XXXX = I was SUED by LVNV Funding. ( Still, I had never heard of them or from them ). 
** On XX/XX/XXXX = I responded. 

-- -- - After waiting out LVNVs continuances for documents.On day of courtLVNV is no-show all while reporting still monthly to ALL 3 CREDIT AGENCIES. 

On XX/XX/XXXX = COURT DISMISSED LVNV Fundings case. CASE DISMISSED ... ( see document ) On XX/XX/XXXX = I write ALL 3 AGENCIES requesting they REMOVE LVNV Funding off my report AND THEY ARE REFUSING. 

PROBLEM : XXXX and XXXX refuse to remove after receiving Court Ordered Dismissal. ************ Their reason to me= they continue to wait for LVNV Fundings response REQUESTING HELP FOR RIGHTS 1. I requested LVNV ; who I had never heard of get off my credit report. I was proactive and requested LVNV Funding verifying and validate any debt they were accusing me of owing as well as verify who the heck they were. NOTHING THEN 10 days later= IM SUED BY LVNV FUNDING.

2. LVNV Funding continues to report to all 3 credit agencies stating, I owe them moneyI say I do not, and the Court Agreed.

THIS CASE HAS BEEN DISMISSED IN A COURT OF LAW PLEASE MAKE XXXX, XXXX AND XXXX  REPORT THIS DISMISSAL CORRECTLY AND REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.
Consumer complaint received 2021-05-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: U.S. BANCORP (CA)

US Bank sent me a letter in the mail indicating that they were going to close my credit card account due to lack of use, and that if I wanted to keep the account open, to reach out to them. I no longer needed the card, so I let it expire, and I got a letter notifying that the account had been closed. 

A long time later, by surprise, I got two cards to activate. So when I called the customer service line to find out what those cards were about, they told me that they re-opened my account 15 days after closing the account. They claimed to have sent me a letter notifying me, but I recall no such letter, and 100 % did not approve any such account re-opening. 

Luckily, there was no activity or fraud, but I assume this affected my credit score in a negative way to have lines of credit left unused that I did not approve to have opened. 

It also seems like a very bad business practice, so I figured I'd report it.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

This is a fraudulent account that was successfully disputed last year. Original creditor : XXXX XXXX XXXX. Collection company at the time : XXXX XXXX XXXX XXXX Please refer to FTC report number : XXXX ). They are trying to put this collection account on my credit file again this year with a different collection company ( XXXX XXXX XXXX ). 

When I dispute an account with Equifax, They ask me to wait pending the results of their investigation, which could take up to 30 days, in hopes they find something negative again during that time. To me this is nothing more than a cheap attend to suppress my score. They clearly do not need 30 days to review an account they already reviewed last year. 

This is my third complaint about Equifax ( for different issues ) within the last five months. 

Asked for annual credit report - Not provided until complaint to FTC Asked to remove account older than seven years - Not removed until complaint to FTC Asked to remove PREVIOUSLY disputed fraudulent account - PENDING I hope they are not using retaliatory methods and instead focus on doing a better job at keeping fair and accurate people 's financial history. Thanks.
Consumer complaint received 2021-05-10
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. (PA)

I sent out it 3 sets of letters to the Eqifax, XXXX, and XXXX  but nothing has happened I continue to reach out to all of them and I let them know that I have no knowledge of these accounts and also show them the police report I ask that they please remove the items but there response is that my they verified that the account and its mine I sent out letters on XX/XX/2021 and they received them on the XXXX I was told that the police report is valid enough to get the items removed this is hindering me from buying my home
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX / XXXX - Home insurance company sent renewal document to Bank of America ( XXXX ) on XX/XX/XXXX at XXXX XXXX  XXXX / XXXX - Home insurance company resent renewal document to Bank of America ( XXXX ) on XX/XX/XXXX at XXXX XXXX XXXX XXXX - Home insurance company notifies me that they have not received payment for my annual premium and premium will be cancelled if they do not receive payment by XX/XX/XXXX. 
XXXX / XXXX - Emailed Loan Officer and did not receive a response XXXX / XXXX - Called Bank of America. Spent XXXX minutes on the phone and spoke to 4+ different representatives. No one could provide an explanation of why Bank of America decided to stop paying my insurance through escrow. Bank of America continues to charge me for insurance through escrow. 
XXXX / XXXX - I paid my insurance premium directly to avoid it being cancelled. 
XXXX / XXXX - Insurance company re-uploaded renewal document to insurance / lender portal.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK (NV)

Hello. 

I have XXXX XXXX. I also on XXXX XXXX XXXX opened a Monifi ( online checking account by midfirst bank ) On XX/XX/XXXX thru my monifi app I transferred XXXX from my XXXX XXXX to my Monifi. Before I got my monifi debit card in the mail Monifi suddenly closed my account " business reasons '' is all they would tell me. ( officially closed XXXX.They still to this day refuse to give me my money back. They say XXXX XXXX has to ask them for the money back. Finally I got thru to somebody in the claims dept who took the time ( 2 hours on the phone w her ) she researched the bank asked me questions to figure it out, very thorough. This was not a fraud claim, i know it and so does XXXX XXXX, that was the department i had to go through they said. So she filed a claim to get it back. XXXX XXXX then put XXXX back into my account along with sending me a letter stating I was in the right and case closed. Now months later on XX/XX/XXXX XXXX XXXX takes XXXX out of my account leaving me overdrawn XXXX. First excuse was that i had account before i opened this one and i was negative XXXX so they took it. A lie. Second excuse is that whoever did my claim did it wrong. Now they say that because it wasnt a fraud claim they decided to take it back. They knew from the beginning it wasnt a fraud claim. 
All I needed them to do was to pick up the phone call Monifi and give the ok for them to give me my money back. They responded like i was asking them to call me a taxi to tKe me to the XXXX house in outer space so I could walk my dog XXXX!! I am well aware that the law states when a bank closes your account for any reason they have to give you your money back. I dont owe monifi anything. Still they refuse. Along with telling me XXXX XXXX never filed a claim for anything. Now any deposits coming in or auto pay bills they are taking and not paying. This was all the money i have in the world. They are steLing from me, both banks, i feel like because who am I? What am I gon na do. I hope this makes sense Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (WA)

Simple bank is transitioning all customer accounts to BBVA bank but made a massive XXXX up and now customers are locked out of their online accounts and UNABLE to access them or see their money. I try calling customer service and was on hold for an hour before being hung up on. This is ridiculous and we need access to our money.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (CA)

NCB Management is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting. I have consulted with the Attorney General of California and have found that this account is past the statute of limitations. I do not owe this debt and it needs to be removed from my credit file.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

My car was totaled XX/XX/XXXX, the finance company who was Westlake was paid by my car insurance company and the gap insurance company to cover the total amount of the vehicle. My husband and I tried to purchase a new car and found out that Westlake put a charge off on our credit. When I called the agent said it was a clerical mistake, someone put it was charged off/repossessed instead of a total loss. They said they needed a supervisor to correct it, the supervisor refused and said we owed over {$3000.00} in late fees and other fees that accumulated after the total loss. I tried to explain to them we didnt have the car it was totaled and there should be no charges after the total loss date, they still refused. We even agreed to pay them if they would delete it from our credit and give me written proof. I had an agent agree to do that only to be told that they would not delete it off our credit because they cant, which I know they can and they would not give me proof. I told them I would speak with a lawyer at this point. I spoke with a lawyer who said not to pay it and no longer have contact with Westlake, that they would speak with them on my behalf and my husbands behalf. I called back to try and resolve this issue again they still would not work with us. I told them we would not pay it and I would fight it with the credit bureaus, m. They said that they would wait until the 28 day mark on the 30 days they have to respond and would fight it back. They said they would keep doing it because they have better more expensive lawyers and would sue me for everything to get the money and then they would sell it to someone else so it would never end and ruin my husband and Is credit. They also said that if I wait until the 7 years for it fall off they would just sell the debt and keep reselling it. I dont know what to do at this point but its ruined our credit and continuing to ruin it so we can not get another car or even our fist house. It is supposed to fall off in XXXX but Ive been fighting with them and the credit bureaus to try and get it off sooner and hopefully reverse the damage, Ive been working with my lawyer as well but we are having a tough time. The credit bureaus keeping saying it a valid debt even though they information they have reported is incorrect, we never had the car repossessed and I even have proof from my insurance company, the gap insurance company and a police report to prove the information is incorrect but they still wont remove it. Westlake is the worst company we have ever had to deal with and refuses to work with us at all. Im just afraid that when its supposed to fall off that they will follow through with the treat and sell the debt and it will never end and we will never be able to get another car or our first house
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have started a new job working with security clearance for XXXX I recently found addresses on my credit file that do not belong to me!! I have to get this cleared up asap. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, SS XXXX DOB XXXX is my current and only address. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX I have several incorrect names on my file as well please remove the following incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, please delete.