davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I have already contacted the original owner of this debt ( XXXX XXXX ) they had no record of the debt on my account. After I contacted them, this debt was previously removed under the last collection agency that owned it. It has now appeared back on my credit report. This debt is not mine. Please remove the debt.
Consumer complaint received 2019-05-10
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. (MN)

Upon starting the audit of my personal credit reports, I found multiple inaccuracies from XXXX  XXXX and XXXX XXXX. The inaccuracies range from incorrect balance reporting, credit utilization, payment history, last activity of the account ( s ), and date of closure. I've been constantly harassed by XXXX XXXX XXXX for quite some time. Apparently, they've sold these accounts to this third party, but the original creditor is constantly reporting negative and blatant inaccuracies. I've even been attempted to be served with court documentations from this third party collection agency. I've asked for documentation of this alleged debt via certified mail, and I was provided with frivolous documents. I now have a pending judgement against me in the local courts with completely false information. I plan to sue in small claims court if not mediated via Consumer Financial Protection Bureau.
Consumer complaint received 2024-03-28
Product: Credit 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. (CA)

On XX/XX/XXXX I had XXXX of my chase credit cards used in fraudulent charges for about XXXX I was at work when all this was happening. Later that night I noticed a charge came through asking if I made a purchase I replied no then I went on my account and noticed XXXX in charges I never received any calls from them.. I disputed all the charges and went to my local bank the banker said that he thinks my phone had been a victim of a SIM card swap now 2 weeks later chase says that Im liable because I authorized the use and it happened in some Arabic country when I havent left the USA for over 10 yearsand the chase credit card service said I was calling from that country to authorize the charges
Consumer complaint received 2018-04-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A. (MN)

In XX/XX/XXXX we notified Cit that we were planning to file for bankruptcy, but intended to continue to make payments on the two student loans we had with them, after the bankruptcy was complete, per our lawyer, as they did not qualify for discharge. Citi did not agree to any delays in payment and immediately put the loans in default status and referred them to collections even though we had not missed any payments at that time. The first company that contacted us to collect on the loans was XXXX XXXX. We agreed to a payment plan and made all payments on time, but were never given statements or balances due after multiple requests by phone and in writing. In late XX/XX/XXXX or early XX/XX/XXXX, we received information by mail that Citi had sold our loans and we would receive further instructions from the new company. We did not receive further instructions so we continued to make payments to XXXX XXXX. Eventually XXXX XXXX stopped accepting our payments. We called several times and sent written requests for more information, including the last request that was sent via certified mail in XX/XX/XXXX. The certified letter was signed for, but no response was ever received. After not receiving any requests for payment from anybody, we contacted Citi for further instructions. Citi explained that the loans were in the process of being sold and/or reassigned to other companies. At this point we were instructed to send payment for one loan directly to Citi in XXXX XXXX, SD, and the other to XXXX XXXX, XXXX out of XXXX, FL. We then requested a payment history and current balances from Citi. We received a payment history for each loan that only went back to XX/XX/XXXX. Not only is this information incomplete since we made payments since XX/XX/XXXX ( and before the bankruptcy ), but it is also not correct. We sent exactly {$40.00} to each loan every month since the bankruptcy and that is not reflected in the short history that was provided. Lastly, we sent the amount specified by Citi ( with a copy of the letter from Citi ) to pay off one of the loans in XX/XX/XXXX, along with a request for verification that this loan had a balance due of XXXX dollars. As of today, XX/XX/XXXX, they still have not cashed this payment. We received a voicemail from Citi stating that they had questions about our request shortly after we made that payment. We have tried to contact them several times at the number given and they have not returned our phone calls or responded by mail.
Consumer complaint received 2019-10-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

Hi, I '' ve tried to close my savings account 2 times now and each time more fees are added on after the representative at Citibank confirmed the account was submitted for closure after removing the fees. 

The first time, the representative confirmed that since there was a XXXX balance the account will be closed with no issues and " closed '' the Citibank savings account.

The second time, I received a letter stating I owed a balance on the account due to a monthly maintenance fee being charged AFTER the account was closed.

The CSR explained that an interest of XXXX posted to the account which stopped the account closure. She then XXXX the balance and submitted a request for a XXXX cent refund. She assured me the account will now be properly closed.

Less than 2 weeks later, I receive a letter for an overdue balance on the savings account for XXXX. Obviously this account IS NOT CLOSED STILL. 

This is ridiculous as each call requires me to be put on hold for hours to resolve this! Only to find out the account was not closed and more fees are being charged!
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Medical collection was filed on my Equifax report XX/XX/XXXX by XXXX XXXX XXXX. On XX/XX/XXXX I contacted Equifax via certified mail, return receipt requested, disputing the filing per HIPAA laws. In the package was my dispute letter, a printed page from my Equifax credit report showing the item on my report ( circled and noted, with account number referenced in the letter ). The package was received at the Equifax dispute shipping address by an agent on XX/XX/XXXX, XXXX per the return receipt shown online via the tracking number of this package. From that date, Equifax was legally required to investigate the complaint and inform of findings within 30 days. 

It is now XX/XX/XXXX, over six months later. Equifax has done nothing with this case - no contact has been made, no investigation or resolution has occurred. I am supposed to be notified within 30 days, and its been over six months with zero from Equifax.
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Have been trying for days to use XXXX to get a report from Equifax ( it's been one year since my last report from Equifax, so there should be no problem. 

I start with XXXX, fill in the information, then get passed to Equifax. On my first attempt, I answered all four of the Equifax questions ( all were junk and I responded " None of the Above '' ). Equifax ( https : //facta.equifax.com/ ) then said " Online Delivery Unavailable ''. Same thing happened on my second attempt ... .. answered all 4 questions ( still junk and responded " None of the Above '' ). Same " Online Delivery Unavailable ''.

In multiple attempts since then, the Equifax site does NOT ask any questions and immediately says " Online Delivery Unavailable ''.

I've called Equifax Consumer Services on XX/XX/19. They want me to forget about XXXX, and create a " my.Equifax '' account in order to get my free report. They have no intention to figure out what is wrong with facta.equifax.com. They have no intention to notify XXXX that they no longer support access thru that site.
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MO)

Midland Credit has been harassing me with numerous calls a day, even before XXXX, and after XXXX. I get DAILY letters from them in the mail, sometimes more than just one letter, of the exact same thing. This company is nothing but a scam. They call from different switchboard telephone numbers, and I just keep blocking them.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Upon starting the audit of my personal credit reports, I found multiple inaccuracies from XXXX  XXXX and XXXX XXXX. The inaccuracies range from incorrect balance reporting, credit utilization, payment history, last activity of the account ( s ), and date of closure. I've been constantly harassed by Portfolio Recovery Associates for quite some time. Apparently, they've sold these accounts to this third party, but the original creditor is constantly reporting negative and blatant inaccuracies. I've even been attempted to be served with court documentations from this third party collection agency. I've asked for documentation of this alleged debt via certified mail, and I was provided with frivolous documents. I now have a pending judgement against me in the local courts with completely false information. I plan to sue in small claims court if not mediated via Consumer Financial Protection Bureau.
Consumer complaint received 2019-10-05
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

On XX/XX/19 I contacted OneMain Financial for an installment loan of {$1000.00}. I specifically specified that I only wanted an installment loan of no more than {$1000.00}. I made it clear four times that I didn't want a title loan, and therefore not to run my credit report if it was going to be for the purpose of a title loan. When they got back to me, she said I was approved for a refinance on my title loan. I had been clear that I didn't want a title loan, yet they ran a hard hit on my report. I did not accept their title refinance loan. Please support my case against Onemain Financial. XXXX XXXX deliberately did a hard credit report inquiry against my permission and after their supposed credit approval tried to sell me to a title loan that was indeed a refinance to my existing title loan. At the start of the process, I made it super clear that I did not want a title loan and that I only wanted a {$1000.00} installment loan and definitely not a title loan.
Consumer complaint received 2019-04-11
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX. ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. 
ACCOUNT NAME : ONEMAIN FINANCIAL, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX I have an account with XXXX XXXX for 6 years and 7 months and I had two late payments one in XX/XX/XXXX and one in XX/XX/XXXX due to not received mail.I talked to XXXX customer service and they agreed to erase those late payments from my account and they also said they will report them to 3 Beauros.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation. 

no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.
Consumer complaint received 2019-10-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I'm a XXXX XXXX XXXX veteran and I have applied for a mortgage loan with Navy Federal Credit Union. My closing date was XXXX XXXX 2019 but due to the level of negligence, disregard, and a complete lack of care at NFCU, my mortgage closing date is unknown at this moment. Their loan officer did not submit my paperwork on time to the VA, did not communicate with me, lost my paperwork, and now I'm stuck in the process. 
I have tried to contact my loan officer at NFCU hundreds of times via phone calls, emails, voicemails and she never even responded to a single contact-attempt. I only got a hold of her supervisor who explained to me that they're unaware where my loan file is.

Navy Federal should not be allowed to do business in the US because they're incompetent and unfit to serve its customers.
Consumer complaint received 2019-10-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Self Lender Inc (NY)

they have charged me fees without me knowing such as late fees and returned check fees they are rude to me their customer service when speaking with them and asking them if as a courtesy they could waive it they say no immediately not fair they treat me horrible and i always make my payments on time
Consumer complaint received 2019-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I purchased a car at XXXX XXXX XXXX in XXXX, TX on XXXX   XXXX and was charged a Very high interest rate in spite of my good credit score. 

During financing I was only shown the bottom portion of each document on an XXXX. I kept asking for the interest rate and was promised/assured a 2.9 rate like before on approval. The finance salesman told me they dont give paper anymore and he gave a flash drive with all my information on it. I signed what I now know was the 2nd pages of the loan documents. When I viewed the loans on the flash drive I realized I was charged 5.79 interest and that was not the agreement and my credit score is in the 700+ range. I have a letter and was give a verbal amount that its totally different in my paperwork.
Consumer complaint received 2024-03-28
Product: Credit 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: WELLS FARGO & COMPANY (CO)

Last week I lost my credit card at work. Someone found it and started using it until today when I noticed that I didn't have it and when I verified my account there were multiple transactions that I had not made. I would like to know if you could please help me identify this person. 

Heres the dates, hours and places where all the transitions were made ; XX/XX/2024 XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$39.00} XX/XX/2024 XXXX XXXX XXXX XXXX  {$14.00} XX/XX/2024 XXXX XXXX XXXX XXXX  {$29.00} XX/XX/2024 XXXX  XXXX XXXX XXXXXXXX XXXX {$12.00} XX/XX/2024 XXXX  XXXX XXXX XXXX XXXX  {$7.00} XX/XX/2024 SO XXXX XXXX XXXX XXXX  {$9.00} XX/XX/2024 XXXX XXXX XXXX XXXX XXXX  {$34.00} XX/XX/2024 XXXX XXXX XXXX XXXX XXXX  {$88.00} XX/XX/2024 XXXX XXXX XXXX XXXX XXXX {$47.00} XX/XX/2024 XXXX XXXX XXXX XXXX  XXXX XXXX  {$0.00} XX/XX/2024 XXXX XXXX XXXX XXXX  XXXX XXXX  {$0.00} XX/XX/2024 XXXX  XXXX & XXXX XXXX  XXXX XXXX  {$45.00} XX/XX/2024 XXXX  XXXX & XXXX XXXX  XXXX XXXX  {$13.00}. 
XX/XX/2024 XXXX XXXX XXXX XXXX  {$27.00}
Consumer complaint received 2019-10-05
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2018-04-08
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. (IN)

I demanded that the following accounts be removed from my credit report : XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2019-10-05
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. (MO)

I have 8 Negative accounts on my report that I'm no longer responsible for. They were 8 student loans under XXXX that had later been transferred to the Department of Education. Since then they were consolidated into 2 new positive accounts and then those were closed because they were fully discharged due to XXXX   XXXX. The new accounts reflect current and a XXXX  balance and the old accounts should be removed due to the discharge removing responsibility. This was originally sent to Equifax on XX/XX/2018 along with the discharge letter and was responded with the accounts have been verified. There have been several disputes sent in the last 10 months as well as a request for method of verification which was never complied with either. The XXXX accounts have been removed however the 8 Department of Education accounts remained. These accounts need to be removed.
Consumer complaint received 2019-10-05
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

On XXXX XXXX 2017 XXXX sold me XXXX Bitcoin Cash ( BCH ) at an fraudulent/unfair price of {$6000.00}. I then proceeded to sell the XXXXBCH at {$9500.00}, only to have my sell order rejected because they shut down the exchange due to a computer glitch on their behalf. I lost out on a sale of about {$100000.00}. I came back the next day to find the price crashed down and not able to sell. Because of their computer malfunction, I decided to hold off on any trading on the account until the issue was resolved. I have not received any sort of response from them, and they 've hung up the phone the one time I was able to get through to customer support. Because of this, it caused me to lose out on an Ethereum position that should be equal to XXXXeth not to mention time, energy, and money spent trying to resolve the issue.