davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Williams & Fudge, Inc (MA)

Ive notified this company of my XXXX and that Im classified as collection proof. Im still being contacted and the company continues to attempts collection on a 7 year old debt Im not liable for
Consumer complaint received 2018-08-05
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. (CA)

The disputed charge was posted to Chase Visa on XX/XX/2018. The actual date of the transaction was XX/XX/2018. The dispute was for {$260.00} to XXXX XXXX and XXXX in XXXX XXXX, CA. 
I did not get the tour I paid for but upon my call to Chase Visa the representative asked if I got into the limo and I did so she concluded that the charge remains. Two days later received a letter saying case resolved and the charge remains, before I got a chance to write a letter or send information. 
My dispute is with the XXXX Rapid Rewards Chase Visa Card. I was never asked to submit a letter I wrote to the company, nor was I allowed to submit letters from my clients about how their clothes were ruined and made sick in the limo. 
Chase representatives just blew me off! They did not even speak to the limo company prior to telling me too bad!
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (OH)

Hello, I am writing in response to a Coinbase issue I have ran into in which shares were taken from my account XXXX purchased XXXX shares on XXXX for XXXX. On XXXX the shares in Coinbase showed I had {$75000.00}. 
Coinbase deducted my account and illegally took XXXX shares of XXXX without my consent. These shares are currently valued at {$100000.00}. I am requesting the Shares I purchased be reinstated on my account immediately to avoid further action. Please update # of Coins from XXXX back to XXXX which is what I originally purchased. Proof of ownership is listed below. 
{$980.00} ( after coinbase fees ) at XXXX per XXXX. I owned XXXX units and these were valued at {$75000.00} in Coinbase on XXXX. On XX/XX/22 Coinbase updated my share ownership from XXXX units to XXXX with no notice. I understand from the site they have technical issues and suspended trading of these but they need to warrant the transactions that were made.
Consumer complaint received 2018-08-05
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: DISCOVER BANK (IL)

XX/XX/XXXX XXXX XXXX Account ending in XXXX Re : Your letter Fraudulent charges were made on my account around XXXX of XXXX and some before that with one in XXXX. This was a long list and a high balance of fraudulent charges. It was quite concerning but when I first contacted Discover, they said not to worry about it, they would take care of it. Almost a year later, they have not. The list includes individual charges from online and local merchants as well as balance transfers. 

I have snail mailed you, as of XX/XX/XXXX, documents proving that your balance for this account is incorrect Because Discover failed to investigate the charges, I took it upon my hands as a researcher and it took me weeks but I was able to obtain written documents and verbal statements from all involved parties confirming the fraud on this account. Those documents were mailed to Discover weeks ago and they did confirm they were received but refused to reopen the case and simply said they would contact the credit agencies that I disputed their findings. This is unacceptable! 
Discover has not handled my disputes or fraud cases professionally and thus the balance remains off in your favor. Research on Discover, in general, shows that they have a history of doing this where clients get frustrated and give up. I have asked them on multiple occasions to remove those charges that are not mine, immediately. Please note that I have contacted all of the companies on the list that they denied were fraud and all of them confirmed it was fraud. So, Discover was not honest. I have noted this is the type of treatment they provided me not only in my credit card account but also in my bank account that I closed last year due to the same issues. My proof shows you did not investigate my disputes and fraud claims, seriously. I have also spoken to a XXXX lawyer who is providing advice. I am on full XXXX and am living on my XXXX  of {$1000.00} per month. The way they are treating me is discrimination against the XXXX on top of that they are causing me immense pain and suffering due to the stress from worrying about this. 
I will not be paying Discover anything until all fraudulent charges and legitimate disputes are removed. I am happy to document what I found but there are about 100 pages that I had to print out and mail to Discover. I am also happy to document my condition with my physician if that would help. I not only want to help with discover but I want to make sure this doesnt happen to other innocent people in the future. When your card is used fraudulently, it is very stressful and your credit card company is supposed to be there for you to support all of the false charges. This is their job. Discover failed, miserably. 


Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I L XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

i asked for the proof of the legal right to report the child support. it was posted and experian refuses to investigate it. they also refuse to remove it if there is no legal justification in posting to my credit profile.
Consumer complaint received 2018-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (IN)

This company calls me multiple times a day if I am even 1 day late on my payment. I have asked them to stop calling me so many times a day but they will not. They call at least 4 times a day from 2 different phone numbers. Today they have called 4 times in 4 hours yesterday was the same. 

I have attached screenshots of the phone calls.
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (IL)

I purchased a perfume using my XXXX credit card online which is offered through XXXX XXXX. I returned the item prior to the company making purchases final sale. I called XXXX to inquire on the status of the credit, they said they had no information to call XXXX that all credits had been issued. XXXX kept harassing me to make a minimum payment even though I didnt have the item and the status showed it had been received by the XXXX returns department. I paid them {$40.00} to stop the calls which I shouldnt have even done because Im paying for an item I dont have. XXXX  has yet to resolve the issue and emailed me yet another statement saying I owe {$130.00} which includes late fees because I wasnt aware I had a balance. At this point the account has been closed because XXXX is going out of business and XXXX  continues to charge me when they should be sending me a {$40.00} refund and stop collection on the account because theyre ruining my credit.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc. (FL)

Account number XXXX XXXX  This account was set up to help build credit. And a monthly payment is made and saved into a untouchable account till the XXXX is paid with 12 consistent payments. 
I was understanding that I could cancel at anytime. This was cancelled because I just suffered from a declared disaster from hurricane XXXX and now COVID. As I tried to cancel this and thought it was until it showed up on credit report
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

On XX/XX/XXXX I was charged an application fee of {$100.00} from PennyMac for a home mortgage refinance and given a rate lock for 45 days. I have provided all documents as requested within hours of such request. 

On XX/XX/XXXX I was given a closing disclosure that was far from accurate and misrepresented my local property tax amount, tax balance and APR. 

I asked for this to be corrected and I have not seen an updated closing disclosure nor do I have closing date. I have also asked for an explanation on why the APR was different and they did not explain it.

I have not heard any updates from PennyMac on where this loan stands and it's been over 75 days from the application submission and nearly a month since the inaccurate loan disclosure was provided. I have provided updated tax information which is publicly available on the county website and updated payoff figures from my mortgage company. PennyMac does not answer its emails and its phone systems continuously ring or go to voicemails that are not setup.
Consumer complaint received 2023-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

I sent a certified dispute letter to XXXX XXXX on XXXX XXXX. In it I also requested proof of damages. XXXX XXXX has been unable to verify the debt and has reported this alleged debt to the credit bureaus. I believe it is unfair to me to have fraudulent charges to be as a negative item against my credit report. Please help me.
Consumer complaint received 2018-10-18
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. (TN)

I have disputed the late payment status reported on the account XXXX/XXXX, LA CHILD SUPPORT ENF with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my XXXX XXXX.
Consumer complaint received 2016-04-11
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (CO)

I previously filed a complaint with the CFPB and am utterly dissatisfied at the way Wells Fargo has handled it. I paid a company called XXXX XXXX a total of {$14000.00} between my Wells Fargo Visa and XXXX XXXX for services that were never provided. I have attempted to obtain a refund to no avail. Wells Fargo first denied because of the time that has passed and after complaining to the CFPB they have " respectfully declined my dispute ... ( and have ) made every reasonable attempt to help with this dispute but have been unable to get any information from the merchant ''. They further explained that I need to work my concerns out with XXXX XXXX. This company has been paid a lot of money for nothing and my bank needs to be more diligent for their customer.
Consumer complaint received 2015-06-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MA)

Wells XXXX. Still no resolution. Wells clearly accepted a bid from an investor posing as an owner occupant. The property at XXXX XXXX XXXX XXXX, XXXX, NH XXXX was put up for sale as a bank owned property. Wells clearly did not follow it 's own advanced ownership policy and sold a property to an investor who has no intention of living at the property for the next 5 years. I bid over the asking price as a homeowner and was beat out by the investor, who by his own admission to the abutting neighbor, buys houses to fix them up and sell them. No one seems to care. It 's very wrong. This buyer should be fined and Wells should examine It 's process or remove claims of Community and Homeowner Support from it 's website.
Consumer complaint received 2018-05-16
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: EQUIFAX, INC. (CA)

I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation. 

This is NOT my addresses : XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and never have been. 

These are NOT my account ( s ) : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax thinks it's funny to keep things on my credit that are no true, timely or just. I've been a victim of ID Theft in the past and Equifax is doing nothing to protect my consumer rights. The other 2 credit bureaus have permanently removed the accounts for my protection but Equifax is refusing too. Please help me with this matter ASAP as it is ruining my life and livelihood.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (NV)

I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection and It is in violation of Metro 2 Compliance. 

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Eradicate now or amend as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX XXXX XXXX XXXX all negative aspects of the illegal claims following : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

CERTIFIED INCOME FOR PUBLIC STUDENT LOAN FORGIVENESS WITH XXXX   XXXX XXXX. THIS WAS APPROVED HOWEVER INSTEAD OF FOR 1 YEAR THEY CERTIFIED 1 MONTH, WHICH ISN'T THE DATES THAT I PROVIDED ON MY APPLICATION. THEY ALSO DID NOT PROVIDE ANY QUALIFYING PAYMENTS FOR THE YEAR. THEY SAID IT WOULD TAKE 6-8 WEEKS FOR A LOAN OFFICER TO REVIEW THE PAPERWORK. THEY DENIED THE ORIGINAL APPLICATION BECAUSE MY EMPLOYER THEY USED A DIGITAL SIGNATURE. THEY STATED SHE WASN'T QUALIFIED TO SIGN THE PAPERWORK. RESUBMITTED THE SAME FORM WITH A HAND SIGNATURE. THEY STATED THAT THEY SEE THE ERROR BUT CAN NOT DO ANYTHING.

ALSO ON 2 OF MY EMPLOYMENT CERTIFICATIONS THEY GAVE ME CREDIT FOR PAYMENT ONLY ON 1 LOAN. THE OTHER 3 LOANS THEY STATE THAT THE EMPLOYMENT ISN'T QUALIFIED. HOW CAN IT BE QUALIFIED FOR 1 LOAN BUT NOT ALL.

THEY REFUSE TO HELP ME WITH THIS.
Consumer complaint received 2023-01-29
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. (VA)

Hi CFPB, For XXXX XXXX XXXX XXXX, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, Transunion and XXXX credit score. XXXX missed payment from the year XXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Consumer complaint received 2018-05-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (CA)

Recived a notice that our monthly payment will be going up with not explanation. When we called they informed me that my Home insurance and Taxes went up dated back to XXXX, 5 months later is when that increase my payment and asking for me to pay the overage sinceXX/XX/XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2020-12-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HUNTINGTON NATIONAL BANK, THE (FL)

I began an auto loan with Huntington for my XXXX XXXX in XX/XX/XXXX. My monthly payment was {$390.00}. At the time my monthly income was around {$4500.00}. 

In XX/XX/XXXX I was laid off due to the Covid-19 pandemic. For a while I was able to make payments on the loan with my unemployment allowance. I found a job finally in XX/XX/XXXX and I took a pay cut of over 50 %, I now take home about {$2000.00} before taxes per month. I simply can not afford all of my bills. 

My grandmother ( who is a co-signer ) and I requested a hardship modification to the loan in XXXX. We were expecting a large monthly payment discount, or an interest rate reduction. We were very disappointed with the companies response. They offered a monthly reduction of {$35.00} simply by extending the loan. They refused to adjust the loans interest rate. 

I have attempted to reach the department that makes the adjustment via the phone number on the letter we received. However it goes straight to voicemail and I have left several messages.

In a time where the entire country is struggling, and I have made it clear I do not make enough to afford any of my bills, I expected more from Huntington with my request for help.
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one charged me a past due fee then waived. The rep told me that I didn't have to pay the fee with my minimum payment so I didn't. I paid my bill before the due date but found I was charged again for a past due fee. THIS has to stop. I did not receive credit for any of the past due as promised.