davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

One Main Financial is reporting to the credit bureaus that my loan was delinquent in XXXX and XXXX. This is not the case. I made my payments on time. I have brought this error to the attention of One Main and also disputed the pay history with XXXX, but One Main will not correct the reporting error.
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I deposited a check for {$5000.00} on XX/XX/2017. It cleared my other bank on XX/XX/2017. Bank of America, however, sat on my funds for seven business days because they claimed that " check specific information '' indicated it was not collectible. This was a major inconvenience to me. I would like to know exactly what " check-specific information '' told them it was uncollectable under the Expedited Funds Availability Act. I await their response.
Consumer complaint received 2019-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

Hello, I was involved in my XXXX scam through my chase bank account. Me, and 50+ others rented a short house for the summer. I paid the man running the shorehouse XXXX beginning on XX/XX/XXXX and ending on XX/XX/XXXX. We had been in constant communication. On XX/XX/XXXX we went to the house to move in and were informed the landlord and realtors had not received that payment we all made. The individual took off with XXXX of my money and XXXX of others. This is not his first fraudulent scam and chase and XXXX are unwilling to help me to recover funds and they are not working track down the account to stop this man from committing another scam.
Consumer complaint received 2019-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMCOL Systems, Inc. (SC)

On XX/XX/XXXX, I sent a letter to Amcol Systems, stating the {$190.00} debt is not mine and of fraudulent activity. I did not receive a response from Amcol regarding the letter sent on XX/XX/XXXX. I sent a letter to XXXX, regarding Amcol Collection Agency, stating the debt is not mine and of fraudulent activity. XXXX sent a file back to me stating the debt was verified and no changes were made.
Consumer complaint received 2017-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OK)

On   XXXX   XXXX   XXXX     I requested my loans be enrolled in the  Navient AutoPay sy stem. The request was processed showing the  AutoPay wou ld start for my loans on   XXXX   XXXX   XXXX    . However, this loan payment was not processed and th e Autopay did not take effect. The interest rate was not reduced by the 0.25 % as advertised on the website. I made the   XX/XX/XXXX  payments manually on   XXXX   XXXX   through the website, and called on   XXXX   XXXX   to have the  Autopay service enabled on  XXXX  of  the loans. At this time, I also requested forbearance on the largest loan. I confirmed on   XXXX   XXXX   forbearance on my first loan, Loan number  XXXX  and  Autopay en rollment to start on   XXXX   XXXX   for  XXXX  and  XXXX . I also confirmed  that Autopay wo uld not affect my ability to pay the  XXXX  loans currently in repayment ahead. After receive vocal confirmation of all this I concluded the call. On   XXXX   XXXX   XXXX     I called Navient because I logged into Navient.com and saw my loans were not enrolled in  Autopay.  When I reached a representative on the telephone she told me I requested to put all three loans into forbearance on the website. I told her this was inaccurate and I explained I requested the forbearance f or one loan over the phone. I asked for a supervisor and the representative started backpeddling. I was told to  hold for a supervisor. A supervisor was never brought on the line. However, the representative informed me the  Autopay was started a nd would take effect for    XXXX   XXXX   XXXX     . She informed me I would be able to see this on the website tomorrow because I was not able to see any change on the website. The school loans were received through  XXXX   XXXX  University and University  of    XXXX   University  College.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (SC)

On XX/XX/2017 Equifax reported several accounts that were previously reported as a new account has been added to my report. Some of these accounts have been reporting on Equifax for over a year now. This has caused my credit score to drop. I have diligently worked to repair my credit, and I find this disheartening. I do n't find it a coincidence since I just disputed fraudulent inquires on my credit report. The following accounts have been listed as newly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received a letter from portfolio recovery associates stating I owed {$2300.00} to  XXXX   XXXX   XXXX  llc. In that letter I was threatened with being sued and wages garnished. To prevent this I set up a payment plan for {$53.00} per month which I pay and have never missed. I cal led 3-4 times recently to see about a settlement, this company will only settle for a % of the remaining balance not the total balance. I offered {$400.00} to be done with this account and was refused, they offered {$640.00} 40 % remaining balance. I do n't see how this is fair collections practice, most collection agencies will settle for 40-60 % of the  amount but they refuse. I settled another account for about half what i owed, I 've already paid them over half current balance {$1000.00} with a pending payment {$53.00}  XXXX .
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (AE)

I had an account with XXXX XXXX XXXX XXXX prior to moving overseas. I turned the equipment in and received a yellow slip confirming my return of the equipment. I satisfied the remaining balance and the company sold the account to AFNI, Inc. I've disputed this account with my credit bureaus and the company continues to come back saying the information is correct. I have no account with AFNI and have asked that they provide a signed agreement between their company and me if they will continue alleging this is a valid collection. 

XXXX XXXX XXXX XXXX : They've charged off my account, but haven't given any information on what to do next. I called each month in 2017 asking where to pay my balance and was told the company charged my account off and they couldn't take payment to settle the amount shown as owed. It still shows as a balance due and I don't have the title. I've not been given options to satisfy the account. 

XXXX XXXX : This is too old to be on my report. It was discharged in Chapter XXXX Bankruptcy 4 years ago and has inaccurate data.
Consumer complaint received 2017-04-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Core Advisory Group, LLC (IL)

In  XXXX  of  2015  I received a letter from CORE ADVISORY GROUP saying they could help me with my mortgage. they offered a huge principal reduction of  XXXX  and a decrease in monthly payments as low as  XXXX . Their fee was  XXXX . I had about 20 days until my next court date to prevent a default judgement and a sale date on my home. I paid the money to CORE. CORE then connected me with another person to help writing letters on my behalf to the bank. The bank offered me a modification with no principle reduction and no huge monthly low rate as advertised. I contacted CORE and was told since I was offered a modification their job was done. I talked with  XXXX ,  XXXX , and  XXXX   XXXX . CORE never showed up in court as promised on the phone.   They stopped taking my calls. CORE misrepresented their sevice s. CORE ADVISORY GROUP is a fraud. I am still seeking help.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This complaint is about  XXXX . At some point in the past, a bankruptcy ( chapter  XXXX  or  XXXX , I ca n't remember  ),  appeared on my  XXXX  report. I have never filed bankruptcy. This TANKED my score.     I have submitted request after request to dispute this information off my credit report, however they did not listen after multiple attempts. Frustrated, I looked up on  XXXX  as to whom it could possibly be, most likely 'someone with a similar name ' given that the bankruptcy was being reported in  XXXX   XXXX  GA.     In the attachment, you 'll see the Intelius results for another individual with my EXACT SAME NAME who lives in  XXXX . The first, myself, is listed in  XXXX  because I worked briefly for a company called  XXXX ,  XXXX   XXXX  from  XXXX  to  XXXX  which was based in  XXXX   XXXX  GA. I worked for them FROM HOME (  XXXX , WI  )  as a telecommuting employee, as did MANY others. There was another employee who lived in  XXXX , WI, one guy in Texas,  one  guy in  XXXX , a few in other places around the world. We all had our specialty and we all kept regular business hours and communicated via  XXXX .     For whatever reason, some public record crossed with this individual who is associated with  XXXX  University or health care for some reason. I have never been involved in that industry. This individual most likely declared bankruptcy, and it was reported on MY credit report.     At any rate,   XXXX   has refused to do anything about this. They keep verifying it is accurate, despite me writing them, emailing them, calling them, submitting disputes, and finally it 's come to this. I am FED UP with them, as I have not been able to acquire decent credit for a substantially long time due to this.
Consumer complaint received 2019-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VT)

On XX/XX/2019 I initiated a transfer of XXXX LTC ( litecoin ) to Coinbase Pro. The transaction displayed as a deposit within the Coinbase Pro web interface after 10 minutes. The deposit was displayed for the incorrect amount of XXXX LTC and was not added to my balance. After 10 hours the transaction disappeared from the deposit history on Coinbase Pro. No LTC was deposited into my account on Coinbase Pro, the XXXX LTC was not returned to the sending address. I contacted Coinbase support and was provided a boilerplate response after 2 days that did not address the issue in any way. They refused to even research the transaction. The LTC was transfered from the Coinbase Pro generated address to another address where it still is.
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

Navient does not allow me to use their online format to change how much I pay in automatic billing. I have twice called to increase the amount I contribute and while they have done so, they have also increased my minimum payment to match the increase. I have made those increases, with the understanding that I can choose how much I wish to contribute above the minimum, but it is dangerous to my finances if that becomes the new minimum. Navient Account # XXXX Thank you, XXXX
Consumer complaint received 2017-04-12
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I lost my wallet in XXXX XXXX. The person who found the wallet charged {$3300.00} on my Bank of America Debit Card. I realized it was in that wallet two weeks later and reported it to Bank of America. B of A sent me a form with all of the charges that occurred from XX/XX/XXXX XXXX the date that I reported it to them. They reviewed the case and on XX/XX/XXXX they sent a letter stating that my claim had been reviewed and they determined that no error had occurred in this instance and that they considered my claim to be resolved. 

There were many charges that made up the total amount. My contention is that the purchases we not my normal purchasing pattern and that their Debit CARD FRAUD UNIT SHOULD HAVE CAUGHT THIS PROBLEM. I never received any calls from them during this period. Conversely, my XXXX Debit Card was also lost at the same time and I did hear from them. 

I would like to be credited with the full amount of {$3300.00} that was wrongfully charged by the thief. The Bank of America Fraud Prevention Unit should have caught the charges before they ran up to this level.
Consumer complaint received 2017-04-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (MD)

I have continued to request for verification and validation of the alleged debt but to no avail. This debt is not mine. I do not owe the amount requested and they continue to switch collection agencies and therefore making it impossible to get the validation. They filed a bogus item on my credit files
Consumer complaint received 2024-11-15
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 XXXX XXXX XXXX, and I am writing to formally challenge the incorrect information currently displayed on my credit report. I have not authorized the reporting or sharing of my personal information with the companies listed below, as outlined by 15 U.S.C. 1681b and 15 U.S.C. 1681c. This situation violates my consumer privacy rights, as these entities do not have the legal authority to report any information in my name. 

Additionally, my credit report contains unauthorized inquiries that I did not initiate, which constitutes identity theft. Per 18 U.S.C. 8, I am not responsible for any debts related to these entities. 

I hereby request the immediate removal of these disputed entries and inquiries in order to correct my credit report. Please address this matter as soon as possible and confirm once the items have been removed. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2019-05-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (TX)

Prior to XX/XX/XXXX, I set up a deal with Commonwealth financial to pay a total of XXXX dollars to have the item considered paid in full. I have talked to many representatives with this company and this is what I was told, unless I was advised unser false pretenses. 

On XX/XX/XXXX, I paid the first payment of XXXX ( half ). I even have a receipt as proof of this payment. 

The amount owed is incorrect on my credit report. Commonwealth took out the amount paid from the total, but did not adjust the total to XXXX ( XXXX owed ). I feel this was not handled efficiently or accordingly. On XX/XX/XXXX, I am due for another payment, but am unable to do so until this issue is corrected on my credit report. 

I look forward to hearing from you soon.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2019-03-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (OK)

I purchased a XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, from XXXX XXXX in XXXX, WY, with Wells Fargo Dealer Services as the lender, inXX/XX/XXXX. This vehicle was first insured, by me, with XX/XX/XXXXand later with XXXX XXXX. There were various times that I fell behind in my payments. In XX/XX/XXXX ( I am unsure of the date ), I spoke with a representative ( name unknown ) of Wells Fargo Dealer Services regarding my late payments. He inquired with me about my insurance, which I did have coverage, at that time with XXXX XXXX. He stated that since I was late on my payments, he was certain I didnt have insurance and stated they were going to insure the vehicle through an in-house insurance policy. I informed him that wasnt necessary and could send them my insurance policy if needed. He didnt request that I send the information. Due to falling behind in the payments, the amounts due monthly increased, but I didnt calculate the amounts for fraudulent billing practices. InXX/XX/XXXX, the truck was repossessed by Wells Fargo Dealer Services. In XX/XX/XXXX, I received a Notice of Sale of Repossessed Property and Explanation of the Calculation of Surplus or Deficiency datedXX/XX/XXXX. There is a credit listed for insurance in the amount of {$710.00}, which leads me to strongly believe I was charged the CPI insurance and/or GAP insurance I had verbally declined in the previous phone conversation. Within the last two weeks, I learned that Wells Fargo Dealer Services had been in the habit of charging for CPI and/or GAP insurance without consent. On Monday, XX/XX/XXXX, I called Wells Fargo Auto CPI Payment Program at XXXX. I spoke with an unknown female representative that refused to tell me about the Wells Fargo Auto CPI Payment Program. She took my name and stated to me that she ran my name through her system and no information returned. She inquired about any letters I have received, which I have not received any correspondence from Wells Fargo since XX/XX/XXXX. I tried to explain to her that I have relocated to another state and wanted to speak to her about the insurance charge/credit listed on the Notice I had received in XX/XX/XXXX, but she made it clear that there was nothing she was willing to discuss with me. I would like to know why I had been charged for insurance, as listed on the Notice, and exactly how much I had been charged for this unneeded expense.
Consumer complaint received 2019-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (GA)

i started the account ending in XXXX in XX/XX/2015 through the four year period I have been taken advantage of. Most recently a letter was sent certified mail to cancel it. The tracking number XXXX XXXX XXXX XXXX XXXX. It was suppose to be received on a Thursday but didnt get to American Express until a Friday Morning. The company is still trying to keep the account open. I want the account to be closed immediately
Consumer complaint received 2019-05-30
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. (FL)

THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/2018, XX/XX/2018, AND XX/XX/2018. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

During our bankruptcy proceedings it was agreed that the escrow account was to be closed in XXXX. During final resolutions the escrow was to remain closed. XXXX On XXXX Ditech started to subvert mortgage payments into an unknown account.. Ditech subverted XXXX mortgage payments to this date into an unknown account. XXXX and XXXX. Ditech failed to notify anyone of the subverted mortgage payments. 
Ditech has claimed that it made property tax and hazard insurance during the year XXXX/XXXX and XXXX on my behalf. This is not true as I have made every tax and insurance payment. 
Ditech is requesting to open an escrow account and submitted a false statement to the bankruptcy court in declaring that they have made escrow payments and other unknown payments from an escrow account that was opened on my behalf in secret. Not XXXX monthly statement has reported such payments or expenditures. 
Ditech is submitting that I be enrolled in a hazard insurance with the cost of XXXX. My current hazard insurance has never lapsed or expired. .My current hazard insurance cost is XXXX. I have not asked nor applied for any hazard insurance from Ditech, especially at the XXXX dollar rate. The practice of subverting hazard insurance is not new as Green Tree attempted to subvert my hazard insurance into XXXX of their own at the cost of XXXX even though my hazard insurance never lapsed or expired. It appears that Ditech is doing this to " qualify '' its practices of subverting my monthly mortgage payments. This was a common practice that the FTC discovered Green Tree was practicing and it appears that they are still practiciing this unlawful activity. 
I have filed several complaints directly with Ditech about their unlawful escrow activity. They have refused to answer any of my complaints. 
Ditech is starting to do exactly what Green Tree did that finally forced myself into bankruptcy. Even though Ditech admitted no wrongdoing, no foreclosure fees and attorney fees were assessed against myself during the Bankruptcy proceedings.