davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
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. (GA)

EQUIFAX is continuing in UNFAIR credit reporting practices by making it impossible to find out anything regarding My report, yet they continue updating negative reporting. 

EQUIFAX right now is negatively impacting my standard of life by reporting damaging, unsubstantiated claims and information ; deteriorating My character and ruining my reputation. 

1 ) EQUIFAX will not allow Me to log in online.

2 ) EQUIFAX will not give Me any information over the phone ... ( when I called and spoke with a rep she stated their system was down and to try again later. This was over 2 weeks ago and supposedly the system is still down, because I STILL can not login to My account via the equifax website ) 3 ) EQUIFAX, despite their " system being down '', continues to report a negative collections account which has already been discredited, disproved, and successfully removed from the other two credit reporting agencies.

4 ) Equifax also continues to report other unsubstantiated claims by alleged creditors.
Consumer complaint received 2022-12-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

I have two separate mortgages with Shellpoiint Mortgage, sold to shell point mortgage by XXXX XXXX. One loan is a VA loan, the other is a conventional loan. 

1. XXXX XXXXXXXX XXXX  provided a letter on XXXX that the loan was being sold to NewRez/Shellpoint Mortgage XXXX The account number provided in the ACM letter was wrong. 

2. The original address provided to make payments was wrong. 

3. Shellpoint Mortgage has improperly applied loan payments from one account to the other, even though the loan numbers are different, and the payments are from separate accounts, separate financial institutions and separate people ( one is paid from my wifes account, and the other is paid from my account ). Some iteration of this has happened every month. 

4. Funds that were improperly applied to one account, were unapplied, but funds were not applied to the other loan, or redeposited into the financial institution account from which payment was made, so Shellpoint says the XXXX VA loan payment has not been made ( or the loan is one month in arrears ) even though every payment for each loan was made on or ahead of time. 

I have had one to two calls per month for every payment since Shellpoint took over the loans, to no avail, they continue to make mistakes applying the loan payments.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I opened an account with XXXX in XX/XX/XXXX through Ashley Home Furniture. I spent roughly {$2500.00} on furniture and was told that if I paid it off within 1 year, there would be no interest. I paid off my {$2500.00} purchase prior to reaching 1 year which was difficult as a XXXX veteran on a fixed budget, but I did it. The day after the year timeframe was passed, I found that I still had {$300.00} on my account, though I made no further purchases and paid the full amount of my purchase. I not only can not pay that, I will not pay that because I did not make any further purchases and I paid my entire XXXX dollar credit card off prior to XX/XX/XXXX.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (ME)

I am working with a debt resolution program and have told them this. They lied and said they do not work with this company, which is false. They have also started contacting my husband who was never on the accounts. This happened XX/XX/2024
Consumer complaint received 2023-02-10
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX OF XXXX XXXX Balance Owed : {$100.00} XXXX OF XXXX XXXX Balance Owed : {$170.00}
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Lending Club Corp (MN)

Lending Club : daily harassing phone calls, multiple times a day, everyday up to 5 times a day from XXXX XXXX  till XXXX XXXX, using the following numbers ... 

XXXX, XXXX, XXXX, XXXX, XXXX I have never done business with them, or even ever called them. I am on the state and federal do not call list.
Consumer complaint received 2017-10-01
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: Experian Information Solutions Inc. (CA)

In XXXX XXXX, I reported to Experian, XXXX, and XXXX, that information on my credit report is incorrect. Date of first delinquency being reported by XXXX XXXX XXXX ( XXXX ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a 10 year old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made 5 years beyond that.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

The following was sent to Chase on XX/XX/2019 : INSUFFICIENT FUNDS FEE FOR A {$93.00} ITEM - DETAILS : XXXX PAYMENT INSUFFICIENT FUNDS FEE FOR CHECK # XXXX IN THE AMOUNT OF {$1600.00} I've attached two screenshots from my Chase mobile app. The first XXXX XXXX XXXX clearly shows the XXXX payment pending with a positive balance {$680.00} AND Check # XXXX NOT pending. 

The 2nd attachment XXXX XXXX clearly shows a positive balance {$670.00} and, again, Check # XXXX NOT pending. Again, the date and time is XXXX XXXX, 2019 at XXXX XXXX 

This lead me to believe I didn't need to transfer money into the account. Which I subsequently did on XX/XX/2019 in the amount of {$1500.00}. 

At some time AFTER XXXX XXXX on XXXX XXXX,XX/XX/2019 Check # XXXX was debited from the account as of XXXX XXXX,XX/XX/2019 

In a word, this just seems ... wrong.
Consumer complaint received 2019-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XX/XX/2019, I made a call to Capital One to try to resolve a fraud issue. They told me that they took the claim information and told me I would be credited back the amount I talked to them about. It is as follows : XX/XX/2019 for {$640.00}. 
On XX/XX/2019 they credited my account {$640.00}. They told me it was available for use. I tried to use my card and it was declined. I called back on XX/XX/2019, and the credit was removed from the account. They told me I have to wait 30 to 90 days now for them to credit my card back. They told me they took the credit back because it was still under review. I said, how do you credit someone and take the credit back right away? That makes no sense. They told me they are still investigating and gave me no valid reason for putting the credit on and removing it right away. They have been rude to me and hung up on me several times. They basically told me I have to wait. 
The card number I am giving you on the next page is the new card that they just issued.
Consumer complaint received 2019-07-10
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. (IL)

Equifax ; XXXX  and XXXX  are reporting an incorrect balance on the XXXX XXXX account number XXXX. ( Please see the attached page from my credit report. ) I have also attached a copy of the check to XXXX XXXX dated XXXX in the amount of {$11000.00}. I had GAP insurance after my accident and this check was applied to this account, however the balance is not being reported correctly on my credit report. I have contacted the ( 3 ) bureaus to resolve this issue. This inaccurate reporting is harming my credit score.
Consumer complaint received 2018-05-03
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. (FL)

THE FRAUDULENT ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME. 

1. XXXX 2. XXXX BANK 3. XXXX XXXX XXXX 4.  XXXX
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (HI)

XXXX XX/XX/XXXX CFPB, I am XXXX XXXX. XXXX. Navy Federal Credit Union is NOT in compliance with your " Cease and Desist-ORDER '' dated XX/XX/XXXX. I've negotiated with NFCU concerning my Visa Account ; with letters ; Messages on my account website and contacted NFCU's-Personal Finance Counselor. They won't negotiate lowering interest rate from 15.24 % to a much lower rate. I slowed use of NFCU by stopping/slowing withdrawals and use in XX/XX/XXXX. Now I get Harrassing texts onm cell phone and Blocking access to my Checking Account activity. Website shows Checking balance but Can't Open " Checking Account '' to view actual Deductions.

Gentlemen, I don't know what else to do!!!! 
They obviously continue to " VIOLATE '' your ODER. This is XXXX. What happened to Complance with " Your Order ''?

I need help to get this Visa Account to a manageable place! I will pay this debt but NFCU must have Targeted Me for some reason! 

I hope you review my Complaint. Communication and other banking issues are also present. Rogue Banking! No Compliance. No personal interaction with NFCU Members! 

Sincerely, XXXX XXXX. XXXX NFCU Member since XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2019-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

Coinbase has locked my account and I have sent several message and contacted customer support several times. They say an account specialist is working on it. I waited 12 days and telephone support has not come up with an answer and my account can not be accessed. I have no idea when they will unlock my account. Please help me.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX I have several issues on my credit file. I have only one name and it should appear as XXXX XXXX XXXX!! Please remove all other variations of my name. My DOB is XX/XX/XXXX my SS# XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXXplease update. i HAVE NEVER LIVED IN XX/XX/XXXXOHIO please delete remove the following addresses:XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXOH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX,XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX ,XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX , XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX. Please forward me a copy of my updated report.
Consumer complaint received 2015-07-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FIRST NATIONAL BANK OF OMAHA (CA)

There is a company named XXXX XXXX XXXX that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real.
Consumer complaint received 2020-12-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (KY)

Jefferson Capital System account number XXXX states that I owe {$8000.00}. I disputed this online through XXXX, XXXX, and XXXX. I received no validation information from them of the accuracy of this account that it belongs to me.
Consumer complaint received 2024-05-14
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: BARCLAYS BANK DELAWARE (MA)

On XX/XX/year> I visited XXXX to have blood drawn. The tests were covered under my health insurance. The woman at the front desk told me that she would need to take a credit card for anything that the insurance did not cover. ( The insurance covers it all ) She then accidentally charged my card XXXX rather than keeping it for their records. She then told me that she was refunding my card. I noticed this charge had not been refunded as stated on XXXX. I contacted XXXX who wanted my credit card statements. I told them I was uncomfortable with that. I instead contacted Barclays who holds the Jet Blue card improperly charged. There was a communication barrier but I explained that the charge was in error, and that my insurance had paid... I even uploaded them the insurance companies statment. Now i find out with nobody contacting me or anything that they closed my dispute. This should be a simple issue. I did not authorize a charge, and the woman at XXXX did not properly refund the card. Instead, I am many hours into this now awaiting a callback from a manager at Barclays that could come sometime in the next days
Consumer complaint received 2019-07-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Financial Corporation (WA)

I have been dealing with XXXX XXXX XXXX. This company states on my credit report that they could not locate consumer and never sent over any verification of debt before we got contacted by XXXX with a company called XXXX  XXXX. We started paying XXXX back in XX/XX/XXXX. We started paying this company after speaking to XXXX XXXX and them stating that he was the company that is collecting for them, this is after they stated that my account shouldn't be in collections. I called back to see if I could receive a verification of the debt from them as they never sent me XXXX and never got through to anyone. In XX/XX/XXXX I received a notice from XXXX, XXXX. stating that they would be proceeding with trying to collect funds on this account. At this point I assumed that my payments to XXXX with XXXX XXXX would stop as I received this notice. At the end of XXXX when my payment came due to XXXX he still tried collecting on the debt at which point prompted a call to XXXX to explain the situation. He stated that he has had issues with XXXX XXXX but had no documentation that he was no longer supposed to collect on my account. At this point I called XXXX XXXX to see what was going on. When I called they gave me a different company name that was collecting on my account, completely different from the XXXX companies already listed. I asked them about XXXX XXXX and they stated they had him listed as well. I asked them why I am now being pursued by another company if they still have XXXX XXXX on file at which point he provided me with a phone number to the new company ( again the name and number escape me and I can not find the paper I wrote it on ) and stated that he was going to speak to a XXXX and call me back. I at that point called XXXX, XXXX and never could get through to anyone, the company XXXX XXXX gave me over to and couldn ; t get through with out an access code and got a call back from XXXX XXXX to call back and when I did I never got back through to anyone. At this point I have continued to pay XXXX XXXX in good faith as I do not want to be pursued by any other company but at this point this debt is close to XXXX XXXX XXXX. I am not fully sure of the proper information on the debt as I never received a full verification of it and I don't have a clear understanding of who the heck should actively be working with me. XXXX, I keep getting notice on my credit of a missed payment to them when I have been paying monthly since XXXX.
Consumer complaint received 2019-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (CA)

We received claims for medical debts from our providers, which we paid through our XXXX XXXX XXXX. We have done this dozens of times with no issues. We were called by AWA Collections and informed that they were collecting on 2 separate medical debts. We asked for a statement to be sent to us explaining the charges. They sent it to the wrong address. They called again and we said we hadn't received it. We asked for it to be sent again and informed them of our address. They sent it to our address but before we received the statement, they had dinged my wifes credit. We looked at the charges and saw that the amounts had been previously paid. We sent them statements from our XXXX, showing the exact amounts being paid from our XXXX. They asked for bank statements, which the XXXX doesn't have, so we provided the XXXX account number. They said that they would reach out to the medical providers and get back to us. It has been months and we haven't heard back, but the amount owed on my wife 's credit report is increasing due to interest.
Consumer complaint received 2022-07-22
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. (NV)

On XX/XX/XXXX XXXX XXXX XXXX sent a {$570.00} credit to my Chase credit card ending in XXXX. Chase never credited my account for the amount. I contacted both XXXX XXXX and Chase about the missing credit. XXXX XXXX confirmed that they had sent my account the credit and provided me with documentation of the transaction that I then forwarded to Chase by both fax and U.S. Mail as instructed. Chase sent me a letter on XX/XX/XXXX telling me that my request was closed. I have called Chase many times and asked why they will not credit the account for the {$570.00}. They say that they never received the money from XXXX XXXX. I can only assume that XXXX XXXX would not produce false documentation and did send the credit to my account. I am stuck in the middle here without recourse except to file this complaint. I will attach the documentation of the transaction as that is my only proof. I hope you can help. 
Thanks, XXXX XXXX
Consumer complaint received 2019-07-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (PA)

the two debt listed by commonwealth finance are  incorrect, they reopened old bill, & the hospital they are collecting for was given my insurance info i had XXXX XXXX XXXX though medicaid office from XXXX up to XX/XX/XXXX, then moved to pa and have been cover under medicaid since XX/XX/XXXX ... my contact number XXXX
Consumer complaint received 2019-07-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. ()

I opened and have maintained an leasing account with GM financial in XX/XX/XXXX. My lease is slotted to end XX/XX/XXXX. I moved, recently, out of the country and needed to end the lease early. I first called a GM dealership, asking to turn in the car on my way driving out of the country. They advised me that I needed to have an inspection done on the car. I called GM Financial, the leaseholder, and they CONFIRMED, via telephone, that this was the case. This was on XX/XX/XXXX. I was then told that a pre-inspection would be necessary. The pre-inspection should be scheduled within 48-72 hours, I was told. I was trying to return the car before leaving the US. Unfortunately, GM leasing could not transmit the file in the timeframe they said they would. I called back every business day after that, politely asking where my file was and when could I have the lease completed. Every time, I was assured that it would happen the next morning. I moved on XX/XX/XXXX, and left the car in the US, being charged $ XXXX/day for storage until the " mandatory '' pre-inspection lease was undertaken. I waited nearly two weeks, before yesterday talking to a customer rep who advised me that I was misinformed, and that the inspection is not required. I asked for an address to bill GM Financial for the costs of storage, as their mistake has now lead to me having to put out costs. The customer service reps then turned incredibly rude and refused to cooperate. They admitted no fault.
Consumer complaint received 2019-07-10
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.