davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NV)

I received a Care Credit credit card through Synchrony bank. I charged {$1500.00} with a promotional period that allowed me to pay off balance by XX/XX/2019 and not pay interest. Every month I paid {$120.00}. On XX/XX/2019 the remaining balance I owed was {$220.00}. The company charged me {$310.00} interest on this. They claim the agreement says if balance was not paid in full they can charge the 26.99 % interest rate on the original balance, not the remaining balance.This is explained only in the last statement before it is too late to pay off before promo period ends. In all other statements, it states that the interest is based on the daily balance. I explained to them this was not clear and had this been made clear I would have paid it off completely before promotional period ended. They were unwilling to credit me the interest or at least charge me interest on the remaining balance and credit me the difference. I think this is unclear and unethical business practices that they are purposely making confusing so consumer is not awzare and winds up paying much more in interest than intended.
Consumer complaint received 2019-09-16
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. (PA)

I got a copy of my three credit reports on XX/XX/XXXX and upon reviewing it I found an account that is listed in collections from a medical provider for {$110.00}. The claim on the report is that this was reported in XXXX of XXXX but I paid this in full in XXXX of XXXX. I have a copy of the invoice /bill with the credit card slip that shows the payment. The information in the report suggested contacting the CFPB. I called the agency and spoke to a representative and I'm now filing the complaint against each of the credit reporting company and the collector reporting it.
Consumer complaint received 2018-09-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Many complaints and certified letters to Transunion XXXX and XXXX requesting METHOD OF VERIFICATION of inaccurate information from XXXX XXXX. Attached is a Letter from XXXX XXXX  Support Team requesting information from me that I believe is a mixed file. According to the FCRA I am entitled to a thorough fair investigation. The attachment supports that the 3 major CRAs and XXXX XXXX are not reporting and investigating disputes according to the guidelines of the FCRA.
Consumer complaint received 2021-07-19
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: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

Again I am writing concerning my request for correction of the error described below in regards to the mortgage on my property. After years of dealing with Ditech refusing to accept I had paid the sums to bring the mortgage balance current. On XX/XX/XXXX I paid with certified funds in the requested amount of {$410.00}. Ditech scan the check into their file and destroyed the check, they never processed it. I had to cancel the check, pay a XXXX fee and both parties had to sign an affidavit stating the check was destroyed by Ditech. During this process Ditech 's director of collections agreed that Ditech will. 
1. Refund the XXXX that was paid to cancel the official check 2. Remove the late credit reports. 
Once I received the sign affidavit from Ditech, I returned docs to my bank for processing. I called Ditech 's representative who process the payment and sent over the confirmation by email, confirmation number XXXX to bring the loan current. On XX/XX/XXXX, I received an email notification from my credit monitoring service stating Ditech has reported me again as past due. 
I have reach out to, Ditech Director of Collections and he has not return my call. One representative contacted him on instant message ; he stated : I will call him in 30 minutes, that was XX/XX/XXXX I want the two items above resolve as stated, and put in writing, not verbal over the phone. 
The last time Green tree stated I was current but never put it in writing, now again Im still dealing with this from Ditech
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

I, XXXX XXXX XXXX am submitting this complaint on my own behalf, again, after numerous attempts to resolve this. Midland 's Funding continues to violate my consumer rights and is attempting identity fraud by using my information. The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. PURSUANT TO : 15 USC 1692c I am invoking my specified remedy as a consumer, and the original creditor I am also demanding deletion from all consumer reports and request confirmation of this remedy in writing within 15 days.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

Let this complaint serve as notification that I do not wish to be contacted about this debt that does not belong to me. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. This included furnishing unvalidated data to the consumer reporting agencies. 

Be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, CFPB, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TN)

This is my second complaint-My complaint continue against XXXX who uses a debt collection company name Diversified Consultnts. Diversified Consultnts have continue to show a balance of {$3100.00} on my credit report, after I have satisfied this account years ago. The account continue to show Open with a opening date of XX/XX/2019. I filed a complaint on XX/XX/2019, which included XXXX and XXXX, XXXX was removed from my account however, XXXX remain on my account. I have disputed this issue many time over and still the situation have not been resolved. I do not owe this debt and this predatory company should not continue to pull down my credit.
Consumer complaint received 2023-08-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I was the victim of identity fraud last XXXX whereby a fraudster contacted my mobile network provider and impersonated me in order to obtain digital sim cards for my phone. 

The fraudster used my digital sim card and some account info obtained as part of a data leak to access my financial assets, including my Coinbase account. 

Upon accessing Coinbase account, they sold crypto of value XXXX XXXX XXXX ( I know the exact figure becuase coinbase support provided a transaction report ) and withdrew the resulting funds. 

I contacted Coinbase almost immediately to report the fraud via phone and email. Over the past 10 months I have provided numerous pieces of evidence including a police report to support my case for compensation.

I have been reassured mutliple times by Coinbase operatives on the phone and via email that I will recieve compensation but the last written comms I have from the company was in XXXX and when I call the helpline I am told to wait for email comms. 

I do not understand how a listed company can have no process for dealing with these things.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

General Chase Business Credit Card branded for Southwest Airlines Problem 1 ) Found out on XX/XX/XXXX, that the card is showing as a " personal '' card under a personal social security number rather than the business EIN that was given when the card was applied for in XX/XX/XXXX, per XXXX XXXX in Central Ops Service Center for JP Morgan-Chase Problem 2 ) Updated business email online on XX/XX/XXXX due to an email change for the business. Received two email confirmations of the email change. Email confirmations were sent to the correct new email. On XX/XX/XXXX, received an email notification that our statement was ready but it went to the OLD business email that had been removed online from the account. 

Problem 3 ) A personal email keeps showing up on our account online that was NEVER typed in or authorized for use with this business credit card. After four phone calls with Chase and multiple conversations, no one at Chase is able to permanently remove the unauthorized email. Additionally, more than one person specified that they have seen this before where personal contact information gets pulled into a business account without authorization. They do not know how to fix.

Problem 3 ) This is not the first time, or first Chase credit card, were we have had this problem. Chase has never been able to resolve these problems in the past. In addition, they sent us letters claiming a resolution which have all been inaccurate and blatant lies. We believe Chase needs to have their data systems audited for security issues. When data just shows up in online profiles that was never entered by the credit card user or Chase support, and the changes have occurred with the card user and a Chase research person watching the system and witnessing the change with no explanation able to be given, then there is a HUGE problem. It should scare anyone working with an online Chase profile.
Consumer complaint received 2019-11-18
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: Experian Information Solutions Inc. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX  XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX-XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-09-16
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: Experian Information Solutions Inc. (TN)

XXXX does not provide to me access to upload documents to an existing dispute. I shouldn't have to spend time and money mailing documents, disputing fraudulent information on my credit report. XXXX is not helpful in providing support to an already horrifying ordeal to one 's identity theft. I've incurred nothing but obstacles with the credit reporting agencies- whom is ultimately responsible for storing, verifying and protecting my pertinent information. We have to trust the Social Security Administration with this vital information, yet we don't hear that our information is breached. Our banks hold our next most valued information and possession, they may be robbed, but the consumers identity and vaulables are protected and insured. Even if a consumer dispute something with banks or other financial sources, they are not putting more stress on a consumer for an despicable an unjust act occurred not of their doing,. XXXX  has items listed on my credit report showing long before I disputed these fraudulent accounts. I need XXXX to remove the fraudulent items. I am trying to buy a house and new car asap
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I got a copy of my three credit reports on XX/XX/XXXX and upon reviewing it I found an account that is listed in collections from a medical provider for {$110.00}. The claim on the report is that this was reported in XXXX of XXXX but I paid this in full in XXXX of XXXX. I have a copy of the invoice /bill with the credit card slip that shows the payment. The information in the report suggested contacting the CFPB. I called the agency and spoke to a representative and I'm now filing the complaint against each of the credit reporting company and the collector reporting it.
Consumer complaint received 2019-09-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Bread Financial Holdings, Inc. (AL)

There was a Notice and Demand for Payment opened XX/XX/2019 to recoup the exact value of the illegally collected debt in the amount of {$690.00}. It is accepted that XXXX Comenity Bank, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.
Consumer complaint received 2019-09-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

XXXX XXXX Navient Office of the Customer Advocate XXXX XXXX XXXX, PA XXXX Account # XXXX RE : Income-based repayment plans Account # XXXX Good day, I have received my new IBR payment information, and wish to inform you that you have miscalculated. Last years XXXX income-based repayment amount was XXXX and based on my salary of {$65000.00}. This year, you have raised the supposedly income-based repayment up to {$710.00}? The increase seems excessive, as based on the 10 % of gross income formula the correct amount would be much closer to {$590.00}. 

Your company has deliberately withheld the necessary information for getting that recalculation done for MONTHS, ignored my letter to do so and ample information regarding my current income, and continued to overcharge me. I am including a new IBR request and a copy of a recent paycheck. You will IMMEDIATELY recalculate my IBR based on my actual income, as you have been asked to do multiple times over the last few months. 

I live in XXXX, which currently has one of the highest costs of living in the nation, and can not be expected to sit by quietly while you take more than your due. I have never missed a payment to anyone who has held my loans ( including XXXX XXXX, who dispersed my loans to debt collectors rather than obey the laws regarding IBR ), and except for a few brief deferments have been paying steadily since the year XXXX. I would like to know when I might reasonably expect loan forgiveness from Navient, as it is usually offered after 20-25 years. 

And, by law, you only have a right to only 15 % of my DISCRETIONARY income ( which amounts to approximately $ XXXXmonth after expenses ), and NOT 15 % or greater of my gross income, you will abide by the law, and immediately adjust the IBR amount down to the expected amount. I am happy to provide receipts as required to prove the amount of my discretionary income.

Kindly respond in writing, so that I may share your answer with all those I have Ccd on this letter. Thank you for your attention to this matter, and its rapid resolution.
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Messerli & Kramer P.A. (NE)

Company sued me, then won default judgement, then failed to properly file follow up paperwork causing their judgement to be dismissed in a fashion wherein it can not be collected or refiled with the court. Every six months company is required to file with court showing they have attempted to collect judgement. Company failed to do so, and is now attempting to collect a thrown out judgement that they keep referring to as a " debt ''. It is no longer a debt after it becomes a judgement. It is no longer a judgement either because it was thrown out by the courts for company failing their due diligence in properly attempting to collect and filing follow up paperwork with the courts. Company also continues to report this " judgement '' as a " debt '' to the credit bureaus even though it is no longer legal to double dip and get a judgement AND report to credit bureaus. Company has been underhanded since day one. They won a default judgement in XXXX and NEVER filed the proper paperwork every six months, as sometime in XX/XX/XXXX I received a notice from XXXX XXXX XXXX that the judgement had been dismissed for the company 's failure to comply with law on collecting judgement.
Consumer complaint received 2024-02-27
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. (FL)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-19
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: CITIBANK, N.A. (FL)

XXXX is with bestbuy citibank credit card # XXXX is the case number. 

Many purchases were made without me knowing or my consent, I had already asked the company to send me a new card. 

These are some of the transactions. 

XXXX XXXX XXXX XXXX CA {$76.00} XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX CA {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (VA)

XX/XX/XXXX Notified by XXXX that a collection account was placed on my credit report by Spring Oaks Capital LLC - referencing that the collection account was opened in XX/XX/XXXX XX/XX/XXXX Sent certified letter to Spring Oaks Capital LLC advising that the debt was not mine, and that I was never notified or advised of the debt in XXXX or to the current day XX/XX/XXXX Received a letter from Spring Oaks Capital LLC XXXX XX/XX/XXXX - attaching a copy of a statement, as well as court documents showing a sale of debt - with multiple redactions. 

My name or information is not referenced in the court documents- nor is a credit card statement evidence of debt.
Consumer complaint received 2021-07-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (FL)

I am a single father in the military. While deployed from XXXX to XXXX, I left my children in the care of my sister with the vehicle I purchased using Wells Fargo Dealer Finance. I continued making payments on the vehicle throughout the deployment. I returned in late XX/XX/XXXX. I was activated again in XXXX. Again, I left my sister in charge of taking care of the payment. Upon my return, I discovered the payments were 60 days past due. Wells Fargo Dealer Finance was threatening me with the repossession of the vehicle. I had pleased and beg them to reconsidered charging off the account. I told them I could restart the payment and took care of the charges that were late. I explained that I was on XXXX XXXX orders and the person I left in charge to make sure the bills were paid did not perform as agreed upon. I was told, the account has been charged off and I would need to pay the charge off amount or the vehicle would be repossessed. I paid almost {$14000.00} they requested and charged off the account. The charged-off account is still on my credit report for which I am paying dearly.