davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-31
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. (MN)

I have contacted transunion, XXXX, and XXXX  and have requested my student loan information be removed. Some of the loans are from 11 years ago, still they refuse to do so when the law specifically states they are to be cleared after 7 years. Because of this I can not get a credit card or do anything to even try to improve my credit because I don't make enough money. " Negative information ( such as missed payments, collection accounts ) must be removed after seven years. '' XXXX has told me they can keep this negative information my credit for 10 years. I told them no and they refuse to fix the problem.
Consumer complaint received 2023-01-23
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: ALLY FINANCIAL INC. (CA)

Activity on XX/XX/XXXX for the amount of : {$300.00} Action were taken : Called and talk to dispute personneldirectly on XX/XX/XXXX Called and talked to dispute personneldirectly on XX/XX/XXXX to follow up with the case. 
Purchase Adjustment credit on XX/XX/XXXX for {$200.00} Called and talked to dispute personneldirectly on XX/XX/XXXX to follow up with a short of {$100.00} of exitingdisputed. 
Writing a letterand mail to headquarteroffice in New York Submitted document online to complaint about exting dispute Called and talked to dispute personneldirectly on XX/XX/XXXX to followup with a short of {$100.00} of exitingdisputed. 
As of today XX/XX/XXXX my dispute is not resolve.
Consumer complaint received 2024-06-07
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX, my account with Home Depot consumer credit card by Citibank XXXX. was closed. I had called to see what I can do and it was explained to me the account was closed. No notice from them but on their site to make payments. I called at the end of XXXX to set up an autopay for the remainder of the balance for {$100.00} on the XXXX of each month. Spent XXXX mins on the phone setting it up and was even told that the last payment was going to be slightly more but I had time to change it if I wanted to. I explained that it was fine to keep it where it was and that when I get to the end of the pay back I would make an extra payment if need be. The XXXX, read me all the fine print about the autopay and I agreed to it. First payment came out on XX/XX/XXXX and that was it. XXXX today when I received a collection notice from XXXX XXXX XXXX. I called to explain that I had an autopay set up and wasnt sure why I received this letter. They told me to call Citibank back and try to figure this out with them. I called Citibank back and was told, autopay was cancelled. I asked by who ... .they dont know. I asked them to review the recorded conversation. They wouldnt do that. I asked to speak to a supervisor, was told there was nothing they can do. So now I have been sent to collections on something that I took care of XXXX months ago. Not once did the XXXX from Citibank look into the matter just kept telling me its out of their hands. I asked why no letter was sent, was told they dont do that. I asked again, why was it cancelled ... .and she did not know. Now I am sent to collections and have this reflected on my credit report on something I actually set up to pay.
Consumer complaint received 2019-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NC)

XX/XX/19 Paid off our mortgage We were told we would receive interest and escrow refunds of about {$1200.00}. They said check was required to be mailed within 30 days of the payoff. 

We have called many times to see if the check had been mailed. Including XX/XX/19 when we were told by a supervisor that it would absolutely be taken care of that day and we would receive a confirmation call. We didn't receive any calls. Since the refund had gone weeks beyond their deadline I told them I want them to add 10 % for use of my money. 

We need this money ASAP to pay taxes and now we will not be able to pay our taxes on time with this money. It is now causing us a hardship. 

I called yesterday ( XX/XX/19 ) and there was no supervisor available. The customer service person said I would have to call back some other time. I said that I needed an answer and he said they can't help me, and " You know how it is '' Today I called and they claim they will help me again. After many calls and 3 weeks beyond their own deadline to send the money, I do not trust that I will be helped. 

I was reading XXXX reviews and saw that another customer waited " months '' to receive their refund. 

The Statebridge Company reviews are nearly all bad. Some of the good ones were added by employees of the company.
Consumer complaint received 2019-12-31
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: Home Loan Center, Inc. (NY)

Company named lending tree use my personal info without my consent and send promotional offers to my email since I opted out from receiving any emails offer from them and I noticed that the fraud my first name and abuse my personal information including my email 's I CONTACT THE COMPANY TO STOP SENDING MESSAGES OR OFFER BY ANY MEANS. 
COMPANY NAME INFORMATION LENDING TREE XXXX XXXX XXXX XXXX NOT NC XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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. (SC)

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

15 U.S.C 1681section 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 2017-08-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

I am in the middle of refinancing my home mortgage when I was told my credit score dropped from the XXXX to the XXXX because of a $ XXXX collection. When I pulled my credit reports there is a company, XXXX XXXX claiming I owe an education debt of $ XXXX. I have two student loans, one with XXXX and one with XXXX, both of which are current and I have never missed a payment. When I contacted XXXX XXXX I asked for the original creditor or account holder. They would not provide me with that information, only that it was XXXX XXXX University. I never attended XXXX  XXXX University, I 've never had a student loan in this amount either. I asked for the original documents and I was told they would be mailed to me. I called Convergent back a second time requesting some additional information and I was told that there were no notes in my file to send me the original documents. Convergent also told me this is from a debt in XXXX, which is far outside the Florida Statues of limitations. I have never had any other collections on my credit report regarding this account XXXX XXXX is claiming I owe. Please investigate XXXX XXXX. I have researched them myself and they are well known for fraudulent collections similar to mine. Thank you.
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WA)

I have mailed dispute letters to the company Navient in regards to validating student loan debt but I have not received anything information regarding the loans back in the mail from them they have failed to validate the student loans and they will not remove the accounts from my credit report. I sent these letters out in regards to all five of the student loan accounts that need to be validated but they havent been on XX/XX/2020. In the past they have wrongfully tried to collect on the student loan debts even while I was in school and still am a XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I am writing to file a formal complaint against Chase Bank regarding the excessive Non-Sufficient Funds ( NSF ) fees charged to my checking account. Despite my previous attempts to address this issue directly with Chase, I have received no response. 

Over the past months, I have incurred over {$5000.00} in transaction fees, adversely impacting my financial stability. I believe these fees are unjust and request the CFPBs intervention to urge Chase to adjust and refund the amount charged to my account. 

I have attempted to resolve this matter with Chase through various channels, but the lack of response has left me with no alternative but to seek assistance from the Consumer Financial Protection Bureau. 

I kindly request your prompt attention to this matter, as it has caused significant financial distress. Any assistance in facilitating a resolution with Chase and ensuring the refund of the excessive fees would be greatly appreciated. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

I was trying to do a product change on my credit card because I dont want pay the {$99.00} annual fee and I was told that I need to update my phone number with XXXX  in order to do the product change which I did 3 weeks ago but its still showing the old phone number on Citi banks end and Citibank keeps telling me that I need to contact XXXX  which I did and I updated my phone to XXXX on my fraud alert several times and Citibank keeps telling me that my old number is still showing on Citibank end and second is that my credit line increased was declined several times due to a fraudulent account was reported that was charged off but I had that account removed a month ago which it was XX/XX/2020 and I dont have any charge off accounts reporting to XXXX  at all .... I fax in the credit report to Citi and I havent heard from them
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I am on the Income Driven Repayment program for all my student loans. I have one currently with MOHELA and my other six were transferred to MOHELA from XXXX. With the transfer, I have two account numbers. My original loan with MOHELA, is all messed up. They have indicated I didnt resubmit my income verification for the Income Driven Repayment plan. According to Studentaid.gov, my certification date isnt until XX/XX/XXXX. 

Then they rejected my application and stated I didnt qualify. My student loan load is XXXX XXXX of my annual income. My payment was recalculated and increased. The reason was because I didnt recertify my plan. I have sent two emails and have sat on hold on numerous calls. Tonight has been over 3 hours. 

I have been paying on this loan since XX/XX/XXXX. It is a consolidation loan of student loans. MOHELA has it labeled as a commercial loan. I have paid interest and interest has continued to accrue during the forbearance for the pandemic.
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

The company Coinbase will not grant access to my money in any form. I have tried multiple times to get help from the company to access my funds. I have not even been able to talk to a human being in 3 days of constant contact. this is very frustrating as i have used Coinbase on this account for years, there was no warning that any deposits made via USD or BTC would now be held for up to a week. Considering the ripple effect of Covid I have been put in dire straights financially because of Coinbase during the week I pay all my bills. This company is completely unprofessional and are incompetent they have no business in electronic banking ( the outrageous hidden fees should have been a clue ). how can you run a banking service and not have any customer service representatives. Three days of the same Bot responses and automated dialog on the phone have done nothing. I have never reported any corporation for anything, but considering my internet goes out tomorrow along with electric i must file a complaint in hopes that no one else falls victim to Coinbase.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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 2023-01-16
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. (IL)

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? This incorrect information on my credit report is causing problems when I try to apply for credit. I would like to have this account deleted from all 3 credit bureau 's. Can you investigate this matter because how are all these companies reporting inaccurate information across all 3 bureau 's.
Consumer complaint received 2018-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (FL)

In XX/XX/XXXX, BBVA Compass posted a special offer on their website that they would give new checking customers a {$200.00} bonus if they opened a checking account ( either online, by phone or in person ) by XX/XX/XXXX and made a direct deposit of {$300.00} within 60 days of opening the account. I opened a new checking account with them on XX/XX/XXXX and made a {$300.00} direct deposit from my paycheck on XX/XX/XXXX, therefore meeting with requirements to receive the bonus. The special offer stated that the {$200.00} bonus would be credited to the account within 60 days after all requirements were met. After the 60 days passed, I had not received the bonus, so I sent an online message to BBVA on XX/XX/XXXX to ask if they could confirm that I met the offer requirements and find out why I had not received the bonus yet. 10 days later they responded to confirm that I did open the account during the offer time period and did make a correct direct deposit in the account within the offer time period ; they also added : " At this time we have submitted an escalation to further review your account regarding the promotional credit. Please allow 24 to 72 business hours for processing. '' After the processing time passed, I had still not received the bonus, so I sent another message on XX/XX/XXXX to check on the status of the review process. There had been no response to my message by XX/XX/XXXX, so I called their customer service phone number and explained my problem to the representative ; she said it appeared I had met the requirements for the bonus and would create a ticket for the bonus to be credited to my account. I asked how long that process would take, but she said she couldn't give me a time estimate but it should be " in a few days. '' On XX/XX/XXXX, someone finally responded to my last online message asking for an update and said that I would need to visit a local branch for more assistance to receive the bonus. I then sent this final response : " This was an online promotion and visiting a physical branch was not a condition to receive the promotion bonus. There is not a branch in my area of the state. I've already been told I met the requirements to receive the bonus, yet it's been over a month since I should have received it. I'll be filing a complaint with the CFPB. Thanks for your assistance. ''
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lugano Capital, Inc. d/b/a Start Auto Finance (FL)

This loan was paid in full after total loss in a car accident and XXXX XXXX. The initial down payment of {$5000.00} made at the time of purchase has also not been applied to the loan balance. This information was previously reported to you in XX/XX/year> and you placed blame on the car dealership but did not fix it. I do not owe a balance and this needs to be removed from my credit
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc (SC)

This started back XX/XX/2019 when XXXX XXXX XXXX contacted the owner of the home we were living in for the past 7 years and told them they could be making a lot more money in rent and they should raise it. We were paying XXXX and they wanted to raise it to XXXX. We had no lease but the first year we resided there. Then we paid month by month for the next 6 years. We for the last 6 months we were there was always scared paying rent not knowing what they had planned. Finally after being threatened with eviction over and over let them go through with eviction. Due to non payment for 1 month. Even though our name was not on the set out list for the date they showed up. The constable of XXXX County SC let them follow through with set out with no proof or paperwork given to us. We waited 3 hours watching them sit in our yard waiting for them to give permission to enter our home still with no paperwork. Not to mention our belongings we set out in the pouring rain and everything got ruined! The company Hunter Warfield call daily after being asked not to saying they are attorneys and are trying to collect debt. I am not responsible and have not received and documents regarding this account. I want this off my credit immediately. This is a false collection!
Consumer complaint received 2019-12-31
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: BARCLAYS BANK DELAWARE (CA)

For the past two days, a business that I believe to be known as 'Juniper ( Credit Cards and Plans ) ' has been calling me around XXXX XXXX. They repeatedly call me throughout the day. For the time being, I blocked their number, but they have now woken me up out of a dead sleep two mornings in a row. 

They call from the number XXXX XXXX. Below are the call times : Monday, XX/XX/2019 XXXX XXXX  XXXX XXXX   Tuesday, XX/XX/2019 XXXX XXXX ( thus far. More expected )
Consumer complaint received 2022-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Social Finance, Inc. (VA)

I received a credit card/ mobile banking card that I did not apply for. This account was Open without my authorization. The company has several different address on the credit report SOFI Lending Corp phone number XXXX I did call them And asked for a copy of the application and they refused to give me any information.
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (GA)

XX/XX/2015 XXXX XXXX XXXX XXXX, This account was open without my knowledge.I have requested proper validation in regards to this account. This account was reporting blank information. Once i disputed this account it is now reporting. Information that isnt mines and incorrect. my first attemp to contact this company. They offered to remove this information but brought it back with information.Account information is missing inorder to dispute fully
Consumer complaint received 2019-12-31
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (NJ)

I attended XXXX XXXX XXXX College for the spring XXXX semester. I have paid all monies owed to the school directly and have an invoice showing that I paid and have a {$0.00} balance as of XX/XX/XXXX. AR resources inc ( debt collector ) continue to report that I owe them the full semester registration amount even after I have sent them proof that this debt has been paid. I have contacted them several times directly and forwarded AR resources inc proof of the payment but they continue to report that I owe this debt to them. I have also disputed the debt through the credit reporting agencies with no effect.