davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IN)

I signed on Federal Student loans for my son 's education that I have been paying off since XX/XX/2021 while the loans were still with XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). The loans were then transferred to EDfinancial, where I continued to make payments on them. Earlier this year EDFinancial stated that they were moving the loans again ( internally from the sounds of it ) ; however, they missed applying one of my payments ( {$1000.00} ) before they transferred the loans to their new account ( again still with EDFinancial apparently ). I have sent three e-mails to them using their own communication system on their own website and the have only responded to the first e-mail ( basically saying give it more time ). It has nearly been three months since that payment was made to my account and I am starting to lose faith that this company is applying payment correctly and accurately. The longer this goes without being corrected the bigger problem it is going to become. Someone should probably look into their practices and efforts if they can't simply apply payments correctly. I have sent more information to them today ; however, I am not certain that I will ever get a response or my problem corrected. I am also unsure if I should attempt to make more payments since they still have yet to APPLY the last payment that they debited from my account. This is quite ridiculous. I would appreciate it if someone from the CFPB can follow up on this issue and assure me that this matter will be corrected promptly. I believe I have been patient enough.
Consumer complaint received 2019-09-20
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: JPMORGAN CHASE & CO. (NJ)

Chase has refused to re-open, adequately investigate, and fairly adjudicate a dispute between myself and United Airlines. I have submitted more than ample documentation to establish my case. Due to their own confusion, incompetency, and/or interest in expediency, I have been forced to re-open this dispute now 2 times. Most recently, after providing even more documentation and explanation ( attached with the complaint ), my written request for reconsideration was summarily rejected by Chase with no explanation for their decision, and to which I would add, was in total ignorance of the weight of the evidence presented by me ( vis-a-vis the merchant ). I also have been unable to speak to anyone in the Chase dispute department about the specific details of my case and the reason for their decision. I will now detail the precise nature of the dispute below : On XX/XX/2019, I made a United airlines reservation, locator XXXX, in the amount of {$210.00}. This reservation was cancelled on XX/XX/2019, within their 24-hour cancellation period. I was appropriately credited by the merchant on XX/XX/2019. 

Separately, on XX/XX/2019, I made a second United airlines reservation, locator XXXX, also in the amount of {$210.00}. This was cancelled on XX/XX/2019, also within the merchants 24-hour cancellation period. While I received a cancellation confirmation, which I have separately submitted here, no credit was ever received or issued. Because there were 2 identical charges, there has been some confusion in the Chase dispute process. The first charge, with the ticket number endingXXXX, was cancelled and properly credited, and is not in dispute. 

However, the second charge, with the ticket number ending-XXXX ( locator XXXX ), while cancelled by me on XX/XX/2019, was somehow not correctly processed by the merchant. I contacted them several times in the subsequent days to inquire as to why the reservation was still appearing under my profile. It was not until on or around XX/XX/XXXX, that the merchant manually cancelled my reservation in their system. This is the date the merchant is citing to refute my dispute, when in reality I made my attempt to cancel some 10 days earlier, and within the 24-hour cancellation period. I can only speculate that because of the identical nature of the 2 reservations and their cancellation at roughly the same time, the system encountered difficulty executing my second cancellation request. 

The case is fairly straight-forward then : I appropriately cancelled the reservation, and have provided evidence of this cancellation. United has presented no counter evidence, nor refuted my documentation.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX, I tried to pay my American Express bill by phone ( as is my usual practice ). For some reason, the phone commands would not work and I was re-routed to an individual. I paid my bill, but the individual stated that I had an issue with a prior gold-card that was terminated because it was unpaid. I said I didn't know anything about it I have not had a gold card, let alone one that wasn't paid. My credit rating varies between XXXXand XXXX. She said she needed to verify my information, which I gave her. She then stated that she was sending me over to someone in " Recovery '' stating that if I am not the person responsible for the debt, then it will be dismissed but they will expect me to sign a " Fraud Statement. '' This woman 's name was " XXXX or XXXX ( XXXX? ) and she had somewhat of an XXXX accent. I was then transferred to a male by the name of XXXX. The very first thing he asked me was if I filed for Bankruptcy in XXXX. I told him yes, but it was over 33 years ago when I was going through a divorce. My name at the time was XXXX XXXX XXXX. If so, it would have been included in the bankruptcy. I also stated that I did not recall an American Express card, but it was possible. He then stated that I had an unpaid balance with American Express. I was in a state of shock that American Express was going after me for a debt, beyond the Statute of Limitation that was discharged in Bankruptcy. I told him I thought was American Express was doing was illegal. I was extremely upset about this incident and believe this should be investigated.
Consumer complaint received 2019-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S (CA)

On XX/XX/2019 the supposed lawfirm SUTTEL & HAMMER sent a letter claiming I owe a debt in the amount of {$4300.00}. They claim that XXXX XXXX has retained the firm to collect its claim against me. 
I do not know SUTTEL & HAMMER. And they have failed to verify that they are authorized to collect a debt from me. 
On XX/XX/2019 I sent SUTTEL & HAMMER asking them to verify the debt. 
I asked them to provide licensing and permitting information that proves you are legally allowed to collect a debt from me. 
I stated that if they are unable to verify the debt they agree that XXXX XXXX XXXX, XXXX is a victim of identity theft. 
I asked them for an authentic signed contract between them and XXXX XXXX XXXX XXXX showing proof that they and that are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation XXXX  is claiming owed. 
I asked for a statement admitting whether they are the holder in due course or whether they are a servicer. 
I asked if the loan has be securitized and they CUSIP number for which it was securitized. 
I asked them to make available for visual inspection my original wet ink promissory note. 
I asked them to provide copies of current licenses and permits that allow them to collect this debt for a third party as a licensed debt collector in CALIFORNIA, informing them that fines and felonies are the penalties if they are not licensed properly should I not be the true party of interest in this debt collection bill copied and enclosed. 
I gave them 30 days to respond and they failed to do so. Instead, on XXXX XXXX SUTTEL & HAMMER committed fraud by advancing a writing without providing procedurally proper validation of the alleged debt. They sent payment copies and copies of billing statements which is not validation.
Consumer complaint received 2023-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

greetings! 

i keep receiving a debt collection letter from ARS stating i owed {$960.00} during covid i went to the emergency room at XXXX XXXX in XXXX virginia and the bill was paid in full by the owner of the company i work for like in a week or 10 days after i was at the hospital i sent an email to XXXX asking why they put me in collection but all i got was an email stating case is closed went to buy a car a couple of weeks ago and the guy at the dealer told me about my credit report showing the collection issues which damaged the transaction
Consumer complaint received 2023-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Reviewing my credit reports as of XXXX XX/XX/XXXX, I noticed that an account named ChildSupport Enforcem / Account # XXXX is reporting on my reports as " C '' for collections. I've never been notified by any agency/bureau/entity informing me that a Child SupportEnforcem is in collections. Furthermore, The reports reflect that there is No Data " ND '' for XX/XX/XXXX, based on the XXXX report. TransUnion credit report as of XXXX XX/XX/XXXX reflects paid collections, while XXXX credit report as of XXXX XX/XX/XXXX, reflects multiple months of " ND '', and Paid Collection.
Consumer complaint received 2023-10-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/XXXX, I made a payment to Wells Fargo online, in the amount of {$98.00}, for my monthly payment amount. I received a verification email stating the amount that was to be charged to my checking account. 

On XX/XX/XXXX, Wells Fargo put a payment through to my checking account, but it was in the amount of {$2100.00} ( the full amount left to pay on my account ), NOT the payment amount of {$98.00} that they sent me the verification email of. The account caused an overdraft of my checking account and I was charged {$28.00}. 

I immediately contacted Wells Fargo and could not get anyone to rectify the issue, as they stated that my account was closed because it was paid off. I spoke to the customer service rep and explained the problem and requested a manager call me back. 

On XX/XX/XXXX, I received a phone call from " XXXX '' from Wells Fargo and a case number. I called back and spoke to her, but she was not able to do anything, other than opening a complaint. The complaint was assigned to : XXXX XXXX. 
Escalations Representative Enterprise Complaints Management Office I have tried numerous times to contact this person, via phone and email, and have never received any response. 

All that I received are emails stating that they need more time to research my complaint. 

I have received these emails on : XX/XX/XXXX ( stating will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) Again in XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) Nobody has ever followed up or conducted any research into how the company verified that they were to charge me {$98.00} but instead charged {$2100.00} to my checking account and caused the overdraft. 

I had never been late or been behind in any payments until this issue came about.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NJ)

On XX/XX/2021 PNC Bank closed my virtual wallet account # s ending XXXX, XXXX and XXXX. Please note that I have been banking with PNC for over 30 years and before that when this bank was XXXX XXXX. During my 30+ years as a customer. PNC has practice changing my accounts from one account number to another account number without my request and/or knowledge, closing my accounts and transferring to another and/or closing my accounts without my knowledge and/or request. Then they send me a notice after the fact. This is the last straw for me. When I contacted PNC I was informed this time my account was overdrawn {$6.00} for over 30 days which is untrue and that is why they closed my accounts. Only account # XXXX was overdrawn {$6.00} but they closed all 3 accounts # XXXX, XXXX & XXXX. I was informed by branch Representative that account # XXXX was only overdrawn less than 30 days. I explained to them that this bank ( XXXX ) needs to remain open because I use it for my direct deposit from IRS every year which I have already filed and use it to pay my bill as automatic pay. I spoke 2 Bank managers named XXXX XXXX and XXXX and was told that my accounts were closed will not be reopened. As I was speaking to them all of my bank information of my closed accounts was removed from my excess. 
As a customer for many years l should have received better treatment.
Consumer complaint received 2021-03-06
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)

Coinbase has my money and won't allow me to access it! These guys are crooks! They don't even have an address to contact! There was over XXXX in my account and they froze it! It won't allow me to withdraw or trade ... ALSO LOOK INTO OTHERS AS WELL! A LOT OF PEOPLE ARE HAVING THIS PROBLEM!
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$410.00}
Consumer complaint received 2023-03-18
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. (MI)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} ; STATE OF MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-03
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. (TX)

To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

*XXXX XXXX XXXX ( acct # XXXX ) Balance {$1000.00} *XXXX XXXX XXXX ( acct # XXXX ) Balance {$4400.00} XXXX XXXX XXXX ( acct # XXXX ) Balance {$490.00} XXXX XXXX XXXX ( acct # XXXX ) Balance {$1000.00} I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. 
Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action. 
* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX XXXX
Consumer complaint received 2019-04-24
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. ()

Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " XXXX XXXX multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " XXXX XXXX '' is reporting a false missed payment on my report. I called " XXXX XXXX '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of XXXX XXXX and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " XXXX XXXX   again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " XXXX XXXX  kept reversing my payments. The Creditor " XXXX XXXX is giving me a hard time, i  am a single mother and this credit score is affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.
Consumer complaint received 2019-04-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company (PA)

I had a previous complaint against Statebridge Company LLC case # XXXX XXXX which they admitted fault and sent an email saying they contacted and corrected the reporting and asked to remove all negative reporting because the loan was current, So I tried again to refi and they only removed the XX/XX/XXXX Lateness, They left the XX/XX/XXXX Lateness on and ADDED a XX/XX/XXXX120+ day lateness to my report, Their faulty and sloppy reporting is costing me money as interest rates are going higher by the day, I've started this Process in XX/XX/XXXX its now Almost XX/XX/XXXX ... .. everytime I contact Statebridge they tell me I have a 5 Business day to get a response, This is so Unfair to me and unprofessional of Statebridge, They don't even deserve to have a banking license!!!!!
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

XX/XX/XXXX requested 5th 3rd bank to perform an appraisal to remove PMI if reduced to 80 % per attached letter XX/XX/XXXX received attached letter stating that the LTV was 76.5 % and did not meet the 75 % Called many times but got the run around XX/XX/XXXX Email Request with attachments to remove PMI as I had fulfilled requirements of 80 % in first letter - No response XX/XX/XXXX Email Request with attachments to remove PMI as I had fulfilled requirements of 80 % in first letter - No response XX/XX/XXXX Called 5th 3rd bank and was told the process had been started to remove my PMI XX/XX/XXXX Called again to get a stats update and was told the request had been rejected, I asked to speak with a manager and she requested I email them all my back up which I did - Attached XX/XX/XXXX received a vmail message that the appraisal was 120 days old and no longer valid and that I could pay for a re-appraisal to meet the 75 % I stand by the fact that the original paperwork stated 80 % and I have fulfilled this obligation
Consumer complaint received 2023-03-17
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. (AZ)

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX. XXXX XXXX ; XXXX XXXX. XXXX ; XXXX XXXX XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX