davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (KY)

My housing lender had told me to establish some credit that I can get my husband to put me on his credit card as an authorized user and he did so and it boosted my score on both XXXX and Equifax but then a month or so later my Equifax score was 0 called and they said they couldn't identify my identity so I sent them what they asked for then I asked about my report they said I had no establishing credit or score but yet I had already gotten pre approved for a home loan using both XXXX and Equifax now they said that they never had a report on me when I logged onto XXXX XXXX it shows when they had a score for me I called and tried to get it fixed they wouldn't so now I'm stuck without getting a home that me and my husband has been waiting forever to get now so I wanted this issues fixed
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

Hi, I had a wells fargo cash card since XX/XX/2022. I had about XXXX spend on it so far and XXXX dollars in cash rewards. When I set up the account had my penfed savings account set up as a payment account. Since then I had opened a checking account with penfed. 
When I made a payment didn't realize it was my savings account instead of check, with funds in checking account and payment got returned as insufficient funds. I didn't see the payment go through from penfed, so transferred the money to my chase checking account and paid it. I got a letter few days later saying my account is closed because of this. All my rewards points were lost as well. 

There was no communication about returned payments and no warning about closing account, so I could redeem the points. When I called, customer rep told me, Wells fargo was unable to contact me, so they just closed the account! There was no letter, phone call, email etc ... All I got from Wells Fargo was a letter saying my account is closed. Least wells fargo can do is redeem my points and send check before closing the account, or freeze the credit account, so I could redeem the points before closure. It's like basically stealing my money, XXXX XXXX So disappointed with the bank. Is there anything that can be done to improve banking communication and customer service, so this doesn't happen to anyone else again. Thank you so much.
Consumer complaint received 2019-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC. (TX)

XX/XX/XXXX a company I never heard of under confusing multiple names ( Halsted, XXXX XXXX XXXX ) that I do not owe but they claim they took over as I do not owe them anything indicated they are XXXX XXXX XXXX XXXX XXXX. WHile they threatened me that they will take legal action, damage my credit report. They also indicated I had to make a minimum of over XXXX on both acts as I informed them I wasnt working and in a hardship, they continued to move payments down to {$10.00} a month. I had no idea I could dispute the accounts until last month. They said I am required to provide my routing number and act number including my bank card number or they will pursue action. I provided this info to them as I was very afraid and felt threatened. First Payments were set up to take two {$10.00} payments ( XXXX and XXXX ) on XX/XX/19. I uploaded copy of the terms showing XXXX pmts set up and email, However instead they took {$19.00} on XXXX-I did not authorize either payment. I called Halstead the day of and spoke with a male, XXXX accent, could barely understand what he was saying. He did say that I will be charged a XXXX dollar fee every month which was included in the payments, I said how dare you, you have no right nor did I authorize this. He hung up on me. I also sent a letter disputing both acts on XXXX XXXX, this company continued to take funds from my act,. I was charged overdraft fees, see proof for 2 months as to date. The refuse to leave my account alone. They have no right. I have been charged over XXXX in od fees as they refuse to cooperate and doing nothing but jeopardized my checking act where other transactions are not go through. I informed XXXX XXXX that these are illegal unauthorized transactions. First of all I never agreed to pay this company and extra XXXX fee for monthly payments so they can get rich. I have disputed both acts and the balance on these acts are false and nothing but a scam. They refused to provide me a copy of the agreements with XXXX and XXXX XXXX, refused to show my signature along with the bond showing they have the right to collect. They have caused me stress and issues with my checking and other acts by their lies and scam. They owe me over XXXX in od fess as to date.as Im tired of the threats and going into my act every month to take unauthorized funds. Not fair.
Consumer complaint received 2019-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation (LA)

Telerecovery, is reporting inaccurate Information to XXXX, the bill was paid in full by Medicaid, before I disputed I told the agency " verbally '' and in " writing '' this account was paid in full, and the agency is still reporting the account -- I asked for proof of this debt XX/XX/XXXX- the agency failed to respond, and it's still reporting on my credit file, I have been trying to resolve this issue with the this agency since XX/XX/XXXX I am not getting anywhere with this agency, I disputed this account with this collection agency several times, the agency keeps reporting to the bureaus as " verified '' with no proof of the correct documents- dunning letter , contract bearing my signature, etc ... I haven't received a phone call stating they were going to report this, this is giving me a negative mark on my credit file and is making it hard for me to obtain certain credit opportunities,, I DEMAND THIS ACCOUNT BE DELETED IMMEDIATELY
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-06-16
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: Experian Information Solutions Inc. (IN)

In the past I contacted Experian about fradugelent information on my credit report and they did not delete it and continues to report wrong information. I have send a police report & identity theft report for these accounts XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX . They are showing names that do not belong to me XXXX XXXX, XXXX XXXX, XXXX XXXX, this is not my name and should be corrected and only have my name listed as XXXX. XXXX. I have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, XXXX, Il XXXX or XXXX XXXX XXXX, XXXX, IL XXXX. There are also inquires that I did not give anyone permission to look at my credit for XXXX, XXXX XXXX XXXX, and XXXX XXXX
Consumer complaint received 2022-10-13
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)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXXXXXXXXXXXXX Date Opened XX/XX/2021 Balance : {$150.00}, XXXXXXXXXXXXXXX Date Opened XX/XX/2021 Balance : {$150.00}, XXXX XXXX XXXXXXXXXXXXXXX Date Opened XX/XX/2021 Balance : {$130.00}
Consumer complaint received 2019-06-16
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. (VA)

the following accounts have been disputed on these dates for these reasons : XXXX-19,XXXX-19,XXXX-19,XXXX-19 Incorrect balance, the date reported, and the account type are inaccurate. 

US BANKRUPTCY COURT # XXXX
Consumer complaint received 2019-06-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CarFinance Capital LLC, Irvine, CA Branch (CA)

I HAD A CAR LOAN WITH CAR FINANCE XXXX. THE TOTAL CAR BALANCE WAS {$20000.00} AND THE CAR PAYMENTS WERE AROUND {$420.00}. IN XX/XX/XXXX THERE IS A LATE PAYMENT LISTED FROM THE COMPANY. THIS IS DUE TO SYSTEM ERRORS I WAS TOLD WERE HAPPENING AT THIS TIME AND THAT IT WOULD BE UPDATED. THIS INFORMATION HAS NOT BEEN UPDATED AND IS DRAGGED MY CREDIT SCORE DOWN.
Consumer complaint received 2019-06-16
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: EQUIFAX, INC. (VA)

the following accounts have been disputed on these dates for these reasons : XXXX,XXXX,XXXX,XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXXXXXX XXXX XXXX  # XXXX
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AZ)

On XX/XX/21 my coin base account was hacked for a second time. I tried all the measure needed by contacting coin base, resetting my account password and and waiting for a email. I try to reach out to coin base several times since this incident happen. I received a email stating that someone would reposed to me in 4 to 5 days ( twice ) and I have not received any email of any support team. The last email I received from them stated that this account was closed but no one had even contacted me to get this issue resolved completely. This has been going on for 32days an I am ready to discontinue my services with coin base but no one has even sent me a email or confirmation to get back into my account to do so. I do have shares on coin base worth 300 if not more at this time. This has been extremely frustrating and I would like to get this over with and use a reliable company.
Consumer complaint received 2019-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CENTENNIAL MORTGAGE CORP (CA)

I have sent more than {$40000.00} for a principal reduction on my mortgage, and FIRST CENTENNIAL MORTGAGE co.which is located XXXX XXXX  XXXX XXXX XXXX, in the city of XXXX XXXX, XXXX,,,, did NOT apply the payments to my balance, and was charging me late fees for not making the payments, when I was NOT able to make a regular payment, because of their site was down for maintenance reason, after calling numerous time, finally one of the supervisors of the company told me that the reason they did NOT apply my payment to the balance of my mortgage, was that they were trying to sell my mortgage to a bank or another financial institute, so they can make more money with higher balance on my mortgage, The very first time that I met the representative of FIRST CENTENNIAL MORTGAGE, in the city of XXXX in California, by the name of XXXX XXXX, he promised me that their company does NOT charge any fees or points for this mortgage, so I asked him, then how do you make money? and he replies that we will sell your mortgage for a bank and that how we make our money, at the end of the escrow he charged me more than {$1500.00}, and when I complained he text me ( oh these fees are standard fees ) and never called me back, I am very dissatisfied with this crooked company, but I am stuck with this mortgage, and the company is run very sloppy, I NEED HELP.
Consumer complaint received 2022-09-15
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. (NJ)

On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help to dispute from a friend of mine, he recommended me to start disputing the inaccurate information, So I did, months went by and I was able to remove some of the accounts, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and I saw a new erroneous collection account on it, I am reaching now CFPB website to file a complaint for this account that is not mine, I am expecting XXXX XXXX XXXX XXXX  '' to be remove from my report because I am not the debtor of this account, hopping for good results to come in my next update credit report.
Consumer complaint received 2019-04-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I have two co-signed loans with Navient since XXXX and XXXX. The loan I co-signed in XXXX is in the amount of {$15000.00} with a Current balance of {$24000.00} due to variable interest rate and the XXXX loan was for {$6200.00} with a current balance of {$6500.00} due to variable interest. The loans amount has significantly increased despite making agreed payments of {$260.00} for the XXXX loan and {$150.00} for the XXXX loans. Also, during the times my family and I faced financial hardship and were unable to make the minimum payment due to job loss in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
My account was reported to credit bureau which negatively impacted my credit. I have been with Navient since XXXX and have even paid off a personal loan I borrowed. Have made timely payments for the loans I co-signed except for the months I was out of job and was not able to make payments. 
With the derogatory report on my credit, I am unable to get a home loan to move my kids to a better neighborhood and school. I have always paid my bills timely and feel I have been treated unfairly. Also, the interest rate keeps increasing making it impossible to pay off the loan. I offered sometime ago to negotiate a settlement due to this being a burden as I had just recently lost my job and the interest keeps increasing, the Navient customer service lady on the other side of the phone was rude and when I asked her to be nice, she told me that " her job was not be nice '' and when I reminded her she was on a recorded line she transferred me to a supervisor.
Consumer complaint received 2019-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (CA)

In XX/XX/XXXX, we were approved and were funded for a loan with NetCredit. In XX/XX/XXXX, we had to close our bank account ( of over 30 years ) because of fraudulent activities ( someone tried to cash checks against our account ). I immediately started reaching out to all direct debit companies ( utilities, insurance, loans, etc. ). 

As you will see from attached correspondence, we reached out, followed their instructions, and still received late notifications. Despite my several attempts to have them follow through, these attempts were ignored. 

When I try to make payments through the website, I receive a message saying that we are not set up for automatic payments and we are unable to make payments online. 

I will be making similar complaints about two other online lenders. This issue may be endemic to online lenders because I did not have funding issues with any other online payment provider. 

Despite our repeated efforts to resolve the issue, we are being hit with penalties and late fees, as well as reporting to credit bureaus. I am going to file this complaint with every single source possible and I am hoping you can help.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc. (NJ)

I opened a Coinbase account and purchased several cryptocurrencies. When I sign on to my account I can get no details about the assets I hold. I have tried contacting them but get no response. They give you the run around when trying to request on line help and unilaterally close any case you open with them before your problem is solved. I am unable to get access to my assets held with them. They currently hold approx. {$6000.00} to {$9000.00} of my assets. I was trying to sell some assets but they have since gone down in value and have been losing money as a result of them not giving me access to my account. XXXX XXXX XXXX
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was solicited and opened a Kohl 's charge card XX/XX/2020. I did not use the card during the purchase. I paid with my atm credit card. XXXX XXXX of XXXX XXXX decided to change my physical address so Kohl 's had my incorrect address. On XX/XX/XXXX I called Kohl 's and gave them my change of address. I inquired as to the status of the account and was told it was good. The change of address with the post office delayed my getting mail for several weeks. 

XX/XX/2020, I received an alert that my credit score dropped XXXX points. I have no debt so I immediately investigated. I found out that Kohl 's reported me late for {$1.00}. I called Kohl 's and asked what happened. They said I was delinquent {$1.00}. Evidently, they put a charge for {$1.00} on the card the day that I had opened the credit card. I did not know that. I explained I never received any bill from them requesting {$1.00}. I NEVER received even a phone call asking for the {$1.00}. And when I called on XX/XX/XXXX to change my address NO ONE told me I owed {$1.00}. I have called multiple times and spoken to their representative named XXXX Id # XXXX and XXXX Id # XXXX and I was told that I would need to contact Kohl 's dispute department to make a complaint, which I did. I fully explained what happened. I received a response from Kohl 's in the mail XX/XX/2020 stating they reviewed my concerns and they feel it was reported accurately. 

I never authorized {$1.00} be charged to this account. Under the Fair Credit Billing Act I disputed this charge within the window allowed to dispute a charge and withhold payment without hurting my score. Kohl 's has ignored this law. 

I clearly disputed the reporting of this error yet Kohl 's / Capital One continued / continues to report this to the bureaus. This is a violation of FCRA Section 623.
Consumer complaint received 2019-06-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OR)

I have contacted Mr Cooper about this issue twice already and currently have a third message to the company letting them know that I will also be reporting them. 
I was charged two separate charges from Mr Cooper in XXXX, 2019. The first amount was XXXX and the second amount was XXXX. My monthly payments should have been XXXX. This means that for the month of APR I should have had two additional principle payments. One for XXXX and one for XXXX. Last time I contacted, it looks like the XXXX principle was reversed and the XXXX extra escrow was reversed and then XXXX was applied to principle. There are still two " monthly payments '' that were applied. One for XXXX ( which my my correct monthly payment ) and one for XXXX ( which should be principle payment only ). Having paid and extra XXXX back in APR would mean that my XXXX and XXXX payment disbursements are not tracking correctly and I am paying extra interest every month ( since the principle amount of the loan should be less ). This also makes me uneasy about making extra payments in the future since I am having to fight to get it applied properly.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MicroBilt / PRBC (formerly CL Verify) (CA)

Someone had been using my information without my permission and I am disputing those fraudulent hard inquiries below 1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have disputed information repeatedly regarding my XXXX XXXX XXXX XXXX auto loan. They have indicated that they " researched '' the account and found the reporting to be accurate. This can not be possible as I was forced to wait in their XXXX XXXX XXXX location most of the day while the loan was audited and found to be current. The issue occurred when they added insurance to my account without informing me. I walked into the branch every month and made my payment. Not once did any associate tell me I was behind on my account until I received a one month late notice. I was confused but brought it current. They continued to carry the insurance fee over until my payment was one month late. When I questioned them, they would not give me information. When I finally got to the information I needed, I corrected the insurance issue. They chose to apply the insurance credit to principle and refused to bring my loan current. I went to the primary branch and remained in the lobby until a representative finally put the loan in for audit. The audit revealed that the loan was not behind. That representative told me he would not correct the reporting. I have been disputing it since then. If the audit revealed the loan to be current. The reporting should have been corrected also. There is no logic to support that an incorrect loan that required auditing and correction was reported accurately as it was.
Consumer complaint received 2016-03-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I closed an account with Citibank with a XXXX balance. They did not close the account, even though I have a receipt saying it is closed, then charged me fees to keep the account open. Since the account had a XXXX balance it was overdrafted and they charged me an overdraft fee on top of that. I overdrafted an account I closed because of a fee they charged to keep my account open. Then they preceded to call me twice a day to collect even after I told them to stop calling me to collect a debt they created.