davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

This is a complaint agains t Wells Fargo Mo rtgage. We applied for a mortgage modification in  XXXX  or  XXXX ,  2016 t o reduce our payments. The file was complete sometime in  XXXX  and the modification was approved according to a phone call in  XXXX ,  2016.  I repeatedly inquired by email where the documents were for us to sign, which would have included the exact payment amount, etc. They did not arrive as anticipated. Subsequently they disallowed the modification because I " had not agreed to it. '' They had mailed all of the paperwork to the wrong address, which the post office forwarded, but too late to initiate the modification. I was told, and I quote : " take it up with th e Post Office, it  's their fault. '' They had me apply again, never telling me that the HAMP program had terminated on  XXXX   XXXX ,  2016, a nd then used the excuse that I had too many modifications, counting the one they disallowed, and then telling me that the HAMP program was no longer in effect. They are now threatening foreclosure because of their  XXXX , not mine. I did everything in my power with emails and phone calls to initiate the original approved modification and they NEVER answered, except with a threat of foreclosure. To me that 's fraud.
Consumer complaint received 2017-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (KY)

Debt is not mine in the sence that I am a medicaid recipient and due to their lack of filing the claim incorrectly, or so I have been told by medicaid, the bill was not paid. Medicaid also informed me that it is illegal to bill a medicaid directly for a medical bill. I have done my best to first try to get the bill paid, then try to work with these people to get the issue resolved. They will not return my calls and the one time I finally spoke with them to get their fax number, which they were very relucunt to give me, they continued insisting that I was liable for the bill. Your assistance with this matter would be greatly appreciated. The Debt collecter has bween nothing but helpful, my issue is not with them. It is with the original holder of the debt. I do not wish to file a complaint againt the debt collecter, only the original debt holder. I did n't reaqlize I needed to clarify that until later in the process. I apologize. Thanks again for your assiatance.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile. 

XXXX XXXX # XXXX XXXX XXXX XXXX In accordance with the The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide me with the names and business addresses of each individual with which you verified above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Jefferson Capital System is stating I owe them money and showing in collection on my credit file. This is identity theft and I have no knowledge of this account nor have I signed a contract or anything showing my signature with Jefferson Capital System. This is fraud and should be deleted off credit files and account closed and removed.
Consumer complaint received 2023-08-02
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Coinbase, Inc. (FL)

On XX/XX/2023, at XXXX, I transferred my cryptocurrency asset XXXX  ( XXXX ) for the amount of XXXX worth from my Coinbase Wallet to my primary Coinbase account. A few days later on XX/XX/2023, I attempted to send my XXXX asset to an external wallet ( XXXX  ) or back to my coinbase Wallet but the asset kept failing to send. On XX/XX/2023, I contacted Coinbase customer service and spoke with a representative that couldnt give me a response as to why the asset wasnt able to trade or send out of my primary Coinbase account. I have contacted Coinbase numerous times and have spoken to several representatives that seem to be giving me the run around on this issue with my account.
Consumer complaint received 2023-08-03
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. (NV)

Greetings! I am a victim of identity theft, and under Section 605b of the FCRA, CREDIT BUREAUS are required by law to remove any items or data that have been opened as a result of identity fraud. The accounts in dispute DO NOT belong to me. Nonetheless, the requests I sent out were purposefully denied and ignored, which I thought was unprofessional on the Bureaus ' part. Once again I am requesting the XXXX, Equifax and XXXX Bureaus to remove these specified accounts below : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Balance {$15000.00} XXXX XXXX XXXX  XXXX Account Balance {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Balance {$15000.00} XXXX : XXXX XXXX XXXX Account Balance {$15000.00}
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (NY)

Up until  XXXX   XXXX , I was paying down a balance on my AmEx card, plus paying the interest and my current charges. The month after, I noticed my balance going higher and higher. My interest rate also doubled and I am told it is because I am only paying a portion of my charges. This is untrue. Customer service refuses to help, and is even rude. I 've had my card since  XXXX  and never missed a payment. This happened 6 years ago and I thought it was straightened out. Now I really do believe they have 'creative and illegal bookkeeping practices.   Please look into this.   Thank you!
Consumer complaint received 2024-10-08
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (NJ)

I hope this message finds you well. I am writing to formally dispute discrepancies on my account statements dated XX/XX/year> and XX/XX/year>. 

Account Information : Account Number : Ending in XXXX Statement Dates : XX/XX/year> and XX/XX/year> Discrepancy Details : XX/XX/year> Statement On my XX/XX/year> statement, I noticed a {$100.00} entry labeled as a " New Purchase, '' which is incorrect. The details are as follows : Transaction Date : XX/XX/year> Description : XXXX XXXX XXXX PER XXXX Amount : ( {$100.00} ) This amount reflects promotional balance payments made and should not have been classified as a new purchase. As a result, my account balance inaccurately reflects my payment activity. 

Summary of Account Activity ( XX/XX/year> ) : Previous Balance : {$1200.00} New Purchases : {$100.00} Payments : {$61.00} Credits, Fees & Adjustments ( net ) : ( {$100.00} ) Interest Charge ( net ) : {$15.00} New Balance : {$1100.00} XX/XX/year> Statement Similarly, my XX/XX/year> statement also includes a {$100.00} entry incorrectly categorized as a " New Purchase. '' The details are : Transaction Date : XX/XX/year> Reference Number : XXXX Description : XXXX XXXX XXXX XXXX  XXXX Amount : ( {$100.00} ) Summary of Account Activity ( XX/XX/year> ) : Previous Balance : {$990.00} New Purchases : {$100.00} Payments : {$27.00} Credits, Fees & Adjustments ( net ) : ( {$93.00} ) Interest Charge ( net ) : {$16.00} New Balance : {$980.00} Previous Correspondence : I contacted customer service regarding both of these issues, but I received letters that only explained the promotional purchase process and did not address my specific concerns about these amounts being misclassified.
Consumer complaint received 2023-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

I had requested a refund of payments made during XXXX. This was totaling over {$5000.00}. I originally made this request XX/XX/XXXX. After a few months, I contacted the company for a status update and they told me the checks had been lost in the mail. They had to cancel the checks and submit a new request. Then, a few months later I moved so I contacted them to change my address. They said these checks would not be mail forwarded and canceled my request and opened a new request ( again ). That was in XXXX of XXXX. It is now XX/XX/XXXX and I have not received anything. The balance has been back on my loans for months. every time I contact the company they tell me they can't give me a timeline for when I will receive my checks. It was originally to be direct deposited back to my checking account but they said they would send a check. The balance being back on my loans is affecting my credit report and I have received no money to account for this change on my loan balance.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (AL)

Had asked for verification and validation of this inaccurate debt reporting on my consumer report months ago. It has not been validated. It is reporting inaccurate information on my credit report without any proof sent showing it is accurate. This is a Violation of the FCRA and the FDCPA. The account is still reporting on my consumer report and I am going to take full legal action immediately. And I will be seeking for damages up to {$1000.00} per violation for willful noncompliance, and reporting unverified information reported to a consumer reporting agency.
Consumer complaint received 2017-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (MI)

I received this letter from XXXX/Transworld System continuously, and they claimed that I owned them a XXXX USD debt + XXXX collection fee. 

It might be a part of a duty generated in XX/XX/XXXX, but I did n't import any goods from outside USA. A guy from IL ask me to pay a bill for him because he do n't have a credit card. 
These goods were transported to his place directly, and I did n't know he was importing thing from the XXXX. Now I ca n't contact with him, and I do n't have money to pay the debt ( I 'm already in bankrupt and I do n't have any income ). 

The invoice num of these debt : XXXX The add of the guy who should own these debt XXXX, IL XXXX The phone number of him : XXXX
Consumer complaint received 2023-08-02
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (WI)

On Saturday, XX/XX/XXXX, someone somehow got into my phone account, cancelled my phone plan and had all of my messages and calls directed to his phone. With this, he was able to get verification codes to my mobile banking and change all my passwords, made XXXX and XXXX accounts in my name, and withdraw funds from my account. Along with this, he hacked my XXXX account, XXXX account, and created accounts and debit/credit cards in my name. This was all done between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX when I realized something was wrong. My bank, XXXX XXXX, sent me verification emails about all of the things he was doing, but with my phone XXXX I wasn't able to call. A friend called the bank for me and they said there was a hold/freeze placed on my account on XXXX, XX/XX/XXXX. On XXXX XX/XX/XXXX I physically went into the bank to get all of this sorted out and make a fraud claim, and they said there was no hold or freeze or even any notes on my account about my call or anything. They closed my current account and opened a new one for me, and contacted the fraud department. They went over all of the charges to make sure which ones were mine and not mine. There are over XXXX emails to sort through from a range of different companies, I haven't even sorted them all out yet. But most of them are verification emails, not scam emails. The tellers at the bank confirmed that the emails were sent from their legitimate email.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (SC)

I was able to get a copy of my credit report and saw that I had numerous inquiries were not authorized by me. I spoke with several reps from Equifax and which no one was able to assist in the matter. I disputed them online and asked them to send me an updated copy of my report with them removed. Their response was simply giving me the definition of an inquiry, in which I am aware of. The second time I contacted them in regards to the situation, the representative was extremely rude and continuously cut me off when I was trying to explain to her the situation.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


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
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (VA)

I am writing to formally lodge a complaint against Chrysler Capital regarding their failure to properly credit tax payments on my leased vehicle, XXXX XXXX XXXX XXXX. Despite my numerous notifications and attempts to resolve this issue directly with Chrysler Capital, the problem remains unresolved. 

Since XXXX, I have repeatedly informed Chrysler Capital about discrepancies in the tax payments being credited to my account. These payments were made in good faith, and I have provided all necessary documentation, including proof of payment. However, Chrysler Capital has failed to acknowledge or rectify these discrepancies. 

Specifically, the issues I have encountered include : Failure to Apply Payments : Chrysler Capital has not properly credited my tax payments to my lease account, leading to inaccuracies in my account balance. 

Lack of Communication : Despite my multiple attempts to contact their customer service, I have received inadequate responses, with many of my inquiries going unanswered.

Unresolved Discrepancies : After several months of back-and-forth communication, Chrysler Capital has yet to correct the account and ensure that my payments are reflected accurately. 

This situation has caused me significant inconvenience and frustration, as I rely on accurate account management for my financial planning. Chrysler Capitals lack of responsiveness and failure to address this matter appropriately is unacceptable. 

I request that the CFPB investigate Chrysler Capitals practices concerning the handling of tax payments on lease vehicles. I also urge you to facilitate communication between me and Chrysler Capital to ensure this matter is resolved promptly and satisfactorily. 

Thank you for your attention to this serious issue. I look forward to your prompt response and hope for a resolution to my complaint.
Consumer complaint received 2017-04-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monterey Financial Services LLC (IL)

On XX/XX/2017, I received an alert from myIDcare reporting a new collection on my credit report. 
The credit company source : XXXX The company reporting : Monterey Collection SV The Payment Status : Collections The status date : XX/XX/2017 The balance : {$800.00} The company address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I am a XXXX veteran ( 20 years, 8 months, and 21 days ) with an active security clearance. The myIDcare service provided by the Office of Personnel Management ( OPM ), because their servers were hacked a few years ago. As a result, I was notified my security clearance and personal information was compromise. 

The Monterey Collection company did notified me of any attempt to collect a debit. Here 's my list of issues : 1 ) I did not receive a phone call, letter through the mail, or e-mail from Monterey Collection SV to indicate I incurred a debit with their company. 
2 ) Monterey Collection SV did not include information regarding the name of the creditor. If there is a creditor, the total amount owe to creditor was not provided. 
3 ) Monterey Collection SV did not provide proof of debit e.g., ( loan documents, promissory note, etc. ). 
4 ) If the debit is owe to a creditor, why is Monterey Collection SV listed as the originator of the debit. 

I am unaware of having a debit in the amount of {$800.00} to Monterey Collection SV. The information provided by XXXX list XXXX as the credit Bureau reporting the information. 
In addition, I have been approved for a home mortgage loan through XXXX XXXX XXXX XXXX with a possible close date in either XX/XX/XXXX or XX/XX/2017. The derogatory information reported to the credit Bureaus could adversely affect my ability to close the home loan. So far ( as of XX/XX/2017 ), the collection item added to XXXX on behalf of Monterey Collection SV has cause my XXXX credit score to decrease XXXX points.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (GA)

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. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2017-04-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Data Systems, Inc. (GA)

I did not receive any communication about this collection. In my call with insurance and hospital regarding the claim, Insurance agreed that it is non hospitalization claim and agreed to pay. But did not pay. I was not aware of this and did not get any bills thereafter. The treatment happened in XX/XX/XXXX and I collection came into credit report in XX/XX/XXXX. It is only for {$180.00}. I paid once I came to know about the collection. I was informed that collection will be removed from my credit report.
Consumer complaint received 2024-10-04
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

I am trying to make my first payment on a TD Retail Card Services account for XXXX. I evidently have two accounts. One ends in XXXX, the other one is XXXX. I only have access to the one account without the purchase and not the other. I have call logs showing long wait times for their customer service number. My payment is due today, XXXX XXXX XXXX. As of now I have the funds in my checking account to make a payment. It seems the only way TD will contact me is after my account goes delinquent from non-payment, which will affect my credit score.