davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
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: CURO Intermediate Holdings (FL)

I got multiple reports related to SPEEDY CASH in the past using the same account which i disputed and resolved with multiple collection agencies, but now XXXX has reported the same false claim on my credit report. This has further hurt my credit. Despite calling them and trying to resolve they did not remove this false collection from my report
Consumer complaint received 2020-03-28
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: TD BANK US HOLDING COMPANY (CA)

A fraudulent account from XXXX/XXXX, NORDSTROM CREDIT CARD is reporting on my credit. I never opened this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Consumer complaint received 2020-03-16
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: AMERICAN EXPRESS COMPANY (NY)

Made a purchase at XXXX as a gift, was informed by the recipient that items were missing. Recipient then tried to return the item to his local XXXX where they refused to accept the item indicating the item was sealed and shouldn't be missing items to instead contact XXXX. 

I purchased the item at XXXX not XXXX they are reasonable to insure I receive everything I paid for. 

Informed AMEX about the situation and performed a charge-back due to XXXX 's refusal to exchange the item. Amex ruled in favor of XXXX due to XXXX 's statement that " all items are tested before sold ''. If that is the case then it explains why items were missing, someone at XXXX kept or misplaced the correct item. 

Evidence attached. 
1 ) Photograph when attempt was made to return item. 
2 ) Social Media post explaining XXXX has a history of this issue.
Consumer complaint received 2020-03-16
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: National Credit Adjusters, LLC (FL)

I got multiple reports related to XXXX XXXX in the past using the same account which i disputed and resolved with multiple collection agencies, but now NCA has reported the same false claim on my credit report. This has further hurt my credit. Despite calling them and trying to resolve they did not remove this false collection from my report
Consumer complaint received 2020-03-28
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. (CA)

A fraudulent account from XXXX/XXXX, XXXX CREDIT CARD is reporting on my credit. I never opened this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Consumer complaint received 2020-03-16
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. (MO)

I have a bankruptcy that is over 10 years old and every time I dispute it with equifax they deny it, saying the information is correct. Im fighting it should be removed because of the age. Anything over 10 years old should not be showing up on my credit report
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I made payments on my Citi credit card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am being told by Citi the payments for XX/XX/XXXX and XX/XX/XXXX apply to no bill. They do not count toward my balance due. My bill for Citi is due XX/XX/XXXX. I received a notice of my bill posting on the XXXX. In fact the transaction history shows interest accrued and then my payment for {$500.00}. I made another payment on XX/XX/XXXX. I was told by Citi the payment for XX/XX/XXXX applied to XXXX bill but the payment for XX/XX/XXXX was a day late and didnt apply to the future bill or my old bill. I dont understand how I can make three payments in 39 days and only one of them counts towards an actual payment. How is that right? Or ethical? So its as if the payments dont count.
Consumer complaint received 2021-03-21
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. (NJ)

on XX/XX/2021 I sent a letter pointing to inaccurate and false and accounts reporting on my credit report. It has been 60 plus days and nobody has yet to respond to my disputes on the matter. According FCRA 15u.s.c. 1681i, failure to investigate dispute items 30 days of notice by a consumer of the date agency receives notice of dispute, the disputed items shall deleted/removed in accordance with paragraph 611 ( a ) ( 5 ). I am fully aware that this is a direct violation according to FCRA 15 u.s.c. 1681s-2 623 ( a ) ( 1 ) ( A ) ( B ) which has damaged my reputation according to FCRA 602 ( a ) ( 2 ) and caused me stressed and I demand these accounts be deleted from my credit report immediately which has also caused my information to be impacted by the XXXX Data Breach or I will file for litigation.
Consumer complaint received 2021-03-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Management, Inc (GA)

Hey, I am XXXX years old and I have a collection from Professional Credit MA located in XXXX, AR for the amount of {$160.00} that is reporting illegally on my credit. I was not old enough to have signed a contract, at that time I was 14 years old and right now it is hindering me from moving forward in my life while I'm trying to establish my credit.
Consumer complaint received 2021-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

well, on the XX/XX/2021, between the hours of XXXX. - XXXX, a total of {$400.00} was taken off of my card, and now, i found out that i had to call my Bank, the Chase Bank XXXX and they aid that they will look into it, investigate it, and then i will get a credit of my {$400.00} back to my Account, and now they got my Banking Account in the negative, - {$170.00}, and I need to be back in the positive, {$260.00}!!!
Consumer complaint received 2020-03-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Because of the coronavirus I am not able to pay the car loan at this time. I am a senior citizen with serious underlying medical problems : XXXX XXXX XXXX and having been treated for XXXX XXXX. I do not bank online. The CDC and The White House Coronavirus Task Force wants me to social distance myself and so I can not go to the bank. The drive-up is no good because car loan payments may not be made there. I will not enter the bank to go to the ATM machine! It would be most cruel of the Bank of America not to honor my request at this time of growing threat of the coronavirus, especially for me who is in the high risk category!
Consumer complaint received 2021-03-21
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. (NJ)

on XX/XX/2020 I sent a letter pointing to inaccurate and false and accounts reporting on my credit report. It has been 60 plus days and nobody has yet to respond to my disputes on the matter. According FCRA 15u.s.c. 1681i, failure to investigate dispute items 30 days of notice by a consumer of the date agency receives notice of dispute, the disputed items shall deleted/removed in accordance with paragraph 611 ( a ) ( 5 ). I am fully aware that this is a direct violation according to FCRA 15 u.s.c. 1681s-2 623 ( a ) ( 1 ) ( A ) ( B ) which has damaged my reputation according to FCRA 602 ( a ) ( 2 ) and caused me stressed and I demand these accounts be deleted from my credit report immediately which has also caused my information to be impacted by the XXXX Data Breach or I will file for litigation.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (OR)

The transactions reported to the XXXX Police department in XXXX, OR on XX/XX/24 were made by XXXX other individuals who were seen in video footage at XXXX XXXX XXXX and XXXX XXXX after testing out the card at the XXXX XXXX, and then making a final purchase at XXXX XXXX XXXX XXXX. I called SoFi Bank and was told that I couldn't report fraud until the transactions posted to my account, which I believe finally happened XX/XX/24. I received my first denial message XX/XX/24. 

Al XXXX XXXX XXXX XXXX for {$760.00} XXXX XXXX XXXX XXXX for {$100.00} XXXX Market for {$9.00} Police Case # is XXXX. Police Officer handling my case was The case has now been turned over to the District Attorney 's Office in XXXX, OR. 

I provided the certification letter from the police department, our conversation when I submitted the request for evidence, and did multiple times stating that fraud was committed. I've called SoFi customer support for every week since the incident has happened and each time I've been denied with an automated message and no further clarification being told the Claims team can only be reached by email. Each time I receive the denial letter ( the exact same one ), I call customer support and again am told there is nothing I can do but respond to them.
Consumer complaint received 2020-03-16
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: Bread Financial Holdings, Inc. (OK)

When married, this account ( Lane Bryant - Comenity Bank ) was in my name and limited to {$300.00}. Over several years, without my permission, they continued to raise the limit as long as my ex-wife made the minimum payment. As the limit was raised, she kept charging up to the limit each time. 

We were divorced several years ago and the divorce decree/court order clearly specifies that she is solely responsible for paying this account. However, every time she misses a payment, my credit takes a big hit. Complaints/disputes to all three credit bureaus are ignored. They check with Comenity bank, the bank says it is valid, and the credit ratings remain trashed. Requests to Comenity bank, including copies of the divorce decree proving that it is now her account, go unansered.
Consumer complaint received 2020-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

My son 's student load through Sally Mae now being handled by Navinet has enrolled me in loan deferment/forbearance in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I was not directed to enroll in an income driven repayment plan but to keep applying for loan deferment/ forbearance. I am not sure of the breakdown or even if the amount I owe of {$100000.00} is correct. 

I only signed for one loan in XXXX for a total amount of {$12000.00}. 

I in attempt to repay this loan now am being told I owe {$1100.00} a month due to high interest rate and number of times I was directed to enroll in loan forbearance instead of income driven repayment plans. 

I am XXXX years old and this loan will cause undue hardship on me not to mention the fact I feel it was mishandled. 

XXXX XXXX
Consumer complaint received 2021-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

I XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

This company has assigned an attorney ( 3rd party ) which they are committing infringement of privacy once again.
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I received a letter from Capital One XXXX XXXX stating " You did not provide two credit card numbers '' and I tried to contact XXXX XXXX to provide two credit card numbers, but after I called XXXX, the automatic answering machine transferred my phone directly to a debt collection agency, and then I tried again, immediately disconnecting my phone, and no customer service representative was available. 

Capital One should know that willful negligent and willful misconduct violate consumer law and anti-trust law, false statement and fraud transition. 

Capital One provided false statements and fraudulent transfers for {$18000.00}. Capital One should return my money to me by XX/XX/2020.
Consumer complaint received 2020-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I currently have a regular mortgage for my condo that is being serviced by NewREZ financial. I am currently paying Mortgage Insurance ( MI ) because my loan to value ( LTV ) has been  greater than 80 %. In XXXX of last year ( 2019 ) I was made aware via a letter in the mail from NewREZ that I could have a BPO or broker pricing option that would value my home and potentially eliminate the MI. This is somehow done via XXXX XXXX because they hold the mortgage. So I agreed, signed the letter and sent it in. I didn't realize that they also wanted a {$150.00} payment. So months go by and i have not heard anything. I give them a call ( maybe in XXXX ) and it is a disaster. First no one I speak of knows what a BPO is. They told me I have to pay {$450.00} or something to get a valuation, and that my LTV. They try to get me to refinance and take out a home equity line and say that will save me money. I decided to see what it will take to refinance with someone else because NewREZ with their sister company Shellpoint Mortgage seem really sketchy to me at this point and I don't even know how my mortgage was purchased by them. I realize refinancing elsewhere is not an option. I send in {$150.00} to NewREZ in XXXX and it is taken out of my principal. Then it is refunded and taken out as a fee or other charge. I call them, several times throughout XXXX and XXXX and it take me a very long time to get a hold of anyone. Most of the operators do not know what a BPO is, they don't see that I paid {$150.00}, they send me to a specialist several times who is a debt collector and doesn't know what a BPO is. I eventually get to a manager a few times and they say, the BPO was never request, or you need to pay {$150.00} or you need to sign something ( all of which I had done and the {$150.00} was reflected on my account ). Eventually I get a random call from some company in Nevada who arranges to send out a real estate agent to value my property. Success. I am reading through the BPO guidlines on XXXX XXXX website, and apparently I am entitled to review the BPO and my lender is required to give it to me. After the appraisal I get a funny email with a letter dated in XX/XX/2019 saying my LTV is over 80 % and still need to pay MI and that i may have to pay down to 60 % LTV if I want MI removed. This is crazy! It then goes on to say I need to get a BPO,  which i just did? Clearly they are making some money off of the MI and trying to avoid having it removed. PRicing in my neighborhood have gone up between 10 and 15 % over the last few years due to gentrification and my taxes are soaring so the {$220.00} MI being removed would really help me. I have never missed a payment. I need some help.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (GA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove all fraudulent accounts. They are hurting my ability to obtain credit. They are being reported by a third party and I do not recognize them. Thank you.
Consumer complaint received 2020-03-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Cohn, Goldberg & Deutsch,LLC (MD)

I have been battling XXXX for 2 years while caring for a baby as a single mother. Unfortunately I got behind on my bills and one bill collector located in XXXX - Cohn, Goldberg and Deutch ( XXXX XXXX XXXX, XXXX, MD XXXX ) has been especially aggressive and nasty in pursuit of collections. On Tuesday THIS WEEK -- in the MIDDLE OF THIS CRISIS I was purchasing groceries at the grocery store and my card declined. This collection firm emptied my bank account to - {$11000.00} in the middle of a crisis. I do not work and the money they collected was my XXXX payment. They did not leave me with a single penny. NOTHING to purchase essential food items for me or my child. They have since attached my bank account. No money for food and basic necessities, no access to the {$750.00} I had to care for myself and my child. HELP! I am still on XXXX for XXXX. I have never heard of such an unkind form of behavior in my life. I am very afraid for me and my child 's well-being. I do not know if you will get this message or be able to offer help, but it would be so appreciated. I am afraid and I feel attacked by this company during a VERY stressful time in my life where I am afraid for my health and life.
Consumer complaint received 2020-03-16
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: Experian Information Solutions Inc. (DE)

I reviewed my credit and found this account, which was reporting inaccurate information so I sent disputes to the credit bureaus and after a supposed reasonable investigation, they verified the account as accurate. I am disputing this because they are reporting inaccurate information this whole time! They have not responded to my disputes, or sent me the documentation requested! they have, however written me a check for {$24.00}, which verifies the inaccuracies! They have continued to report this despite the inaccuracies, and the fact that they must have done some sort of investigation to find a balance? The only other reason that they could have written a check for is my silence. My next step is to go to my attorney!
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (IL)

On XX/XX/2021, I tried to send around XXXX ( XXXX XXXX XXXX litecoins from Coinbase XXXX to XXXX. Usually, this process should take 30 minutes.

This time, my transaction never hit the block chain and its been left on pending for approximately 15 hours. Coinbase XXXX  did not provide me with a transaction ID and my balance still says I have the approximate XXXX XXXX, but i can not touch them as they are still " pending '' I contacted Coinbase and they did not help me. this is a lot of money to be messing with. 

The case # s from coinbase are # XXXX and # XXXX
Consumer complaint received 2021-03-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (NY)

We are facing the covid outbreak into the second year. I had done birthday shopping before the outbreak started. I heard that all payments and credit debt would not affect us while we are paying. My friend told me about your site. I don't know anything about you guys but my credit score has been going from XXXX closer and closer towards XXXX. Plus the interest fees are non stop. I have only chase bank credit cards. My job had me only working 1-3 days because of covid during the large scale XXXX XXXX. Not only have i been scared for my life, but my debt kept piling up and piling up and every time I get a stimulus, the whole thing pays my debt in only a small portion. I don't get to enjoy it like everybody I see partying or traveling. I do not feel like I am happy at all with life. Please help clear my mind. I don't know how to keep on surviving with debt. I don't want debt. I was on an excellent path of immediate payments. I even managed to pay the XXXX in college loans off. For a long time pre- covid, I had everything in control. Covid changed everything and it's not fair. I don't know what to do.
Consumer complaint received 2021-03-21
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.