davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, RECEIVABLES PERFORMANC, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Consumer complaint received 2022-02-18
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. (MI)

XXXX XXXX listed twice. According to report I was given another credit card with company when Id defaulted on first. Makes no sense. I only had one card and its past the 7 year mark. My report was also changed to XX/XX/XXXX when it originally said XX/XX/XXXX for deletion. Now both accounts have same deletion date which doesnt make sense either.
Consumer complaint received 2024-03-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XXXX yrs ago I had a court date and they was suppose to garnish my state taxes. I havent had the vehicle in almost 8 years and they are still garnishing me after switching from different companies and selling the loan. I still owe XXXX on a vehicle that has been sold for since XXXX Credit acceptance is a bad company to get a loan from. The company that I bought the vehicle from was XXXX XXXX and they have long went out of business.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Yamaha Motor Finance Corporation USA (FL)

Never had Yamaha finance .... signed contracts with XXXX XXXX and paid the account off in full XX/XX/2020. However, Yamaha motor finance is reporting 90 days late. This account needs to be deleted from XXXX, XXXX, and XXXX immediately. Attempted numerous times to dispute through credit reporting agencies to no result. This is the last attempt for correction before I pursue legal remedies.
Consumer complaint received 2018-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

My name is XXXX XXXX I have a Mortagage with Chase I've had my Mortgage with them since XX/XX/XXXX and I have never been late or missed a Payment I pay my Mortgage every XX/XX/XXXX of the month in the amount of XXXX over the phone, on the XX/XX/XXXX, or XX/XX/XXXX of XX/XX/XXXX I decided to pay extra towards my principal in the amount of XXXX $ dollars to be debited on the XX/XX/XXXX, on the XX/XX/XXXX of the month I called chase to make my mortgage payment in the amount of XXXX which is my mortgage amount, I was debited twice for the online payment of XXXX plus the XXXX $ dollars for principal, and the phone payment in the amount of XXXX. I called to check to see if my payment was accepted as I do every month after every over the phone payment and the recording said XXXX plus dollars I called chase immediately and they returned one payment and asked me which one did I want to pay I told them to disregard the additional XXXX $ just my regular payment they debited one and returned one. I received a letter the next month stating I didn't pay my mortgage in the month of XX/XX/XXXX I've sent them bank statements from My bank XXXX as well as copies from my bank statements, plus I bank with chase and XXXX and chase can see I paid, I tried contacting XXXX cause my credit score has dropped tremendously. Chase will not help me. I also talked to Managers, several people at the bank that also said they see the error but its nothing they can do. I'm out of XXXX that I cant afford and my credit score has been affected and they are calling me a  Thieve and a Lier!!! I'm neither I pay my bills
Consumer complaint received 2016-12-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TN)

I have had a credit card with citi bank since 1989 in the past their customer service was excellent and I never had a problem with them. Over the years I have heard numerous stories about difficulty with citi bank yet I continued with them. Over the past two years I have had nothing but difficulty with this company. Promising lower interest rates if I called back and requested at a specific time only to be denied. Cancelled cards ... increasing limits on cards I did not want increased and lowering limits on cards that I needed increased. They recently acquired the XXXX account from Costco they lowered the account credit limit and would only increase it if I agreed to a credit check ... yet at the same time increased a credit limit on another card by XXXX more than what I was requesting. When the account was transferred I had accrued a rebate of approx XXXX dollars. Due to the ensuing difficulty with Citi bank I cancelled this card and have paid off the balance. Now they are refusing to pay the rebate amount as well as charged me XXXX interest. I am requesting the rebate amount be refunded to me as well as the XXXX being removed as payment as the bill was paid in full. Thank you in advance for your assistance with this issue.
Consumer complaint received 2022-02-18
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Gerald E Moore & Associates, PC (IN)

I broke my lease with XXXX XXXX early so I could move in with my now husband. The lady in charge advised me I would only need to make a payment of {$1300.00} and it would be paid in full. I got out cash and money order from my bank ( which I have copies of ), handed the money order directly to the lady in charge and turned in my key. I provided her with with my new address, phone number, email, etc. to follow up because they still needed to do an inspection. There was no damage done to my apartment as I barely stayed there. I never received any kind of correspondence, no email, no call, etc. It wasnt until I was checking my credit report I noticed a collection agency reported that I owed {$1700.00}. I call them, they say I never paid for the lease break, and also never provided the apartment complex with a follow up address to reach me. THAT WAS REQUIRED on the paperwork I filled out to break my lease! I dont know where they are getting that I owe this money from. Im to the point now I want this off of my credit report. Everytime I have tried to call representatives are rude and sound like they have no proper training on how to speak on the phones. I myself, work in collections so I know how this goes and Im not rude to those willing to pay on something they ( dont even ) owe. I called today to see if I can try to work out something to pay this off, of course I dont have the full funds to make a full payment this month of XXXX, but am willing to pay something this month on it. The guy was very rude, unprofessional, and told me they would just call me back on Monday? At this point I am over it, I have the documents showing I paid this off in full, I am done messing with these people because they are not willing to help me out.
Consumer complaint received 2022-02-18
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. (MI)

XXXX  XXXX  listed twice. According to report I was given another credit card with company when Id defaulted on first. Makes no sense. I only had XXXX card and its past the XXXX  year mark. My report was also changed to XX/XX/XXXX when it originally said XX/XX/XXXX for deletion. Now both accounts have same deletion date which doesnt make sense either.
Consumer complaint received 2018-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Coinbase is an online platform for buying, selling, transferring, and storing digital currency. 

Currency can either be stored in a 'Wallet ', which acts like a current account and facilitates instant transactions, or a 'Vault ' service, which is advertised as a more secure method of storage. I decided to go with the more secure option and transferred all my funds into the 'Vault '. When setting up a 'Vault ', you are required to provide a secondary email which is used to verify and initiate withdrawals. 

On XX/XX/XXXX I initiated a 'Vault ' withdrawal, but soon realised I no longer had access to this secondary email address as it belonged to my former employer. 

There is no method to update this secondary email address via the Coinbase user account. I emailed Coinbase on XX/XX/XXXX to notify them of the problem, and received an automated response to say the only action was for the 'Vault ' to be closed and funds transferred back to the 'Wallet '. 
This would be a satisfactory outcome, however despite numerous attempts to contact Coinbase, I have only received further automated responses. I have carried out some research online and discovered numerous other people with similar problems, many of them reporting they are waiting 6+ months without resolution : XXXX XXXX XXXX I'm now deeply concerned for my finances and by the Coinbase operation.
Consumer complaint received 2018-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

on XX/XX/2018, my checking account was in credit by {$880.00}. On the same day 3 debit transactions were posted to my account in the value of {$90.00}, {$0.00} and {$1700.00}. 
The bank charged me 3 overdraft fees of {$37.00} for each transaction even though there was sufficient funds to pay for the first 2 transactions amounting to {$90.00}. 
I was therefore charged a total of {$110.00} for overdraft fees in one day. 
I spoke to the Branch Manager and complained about these charges but the Bank refuses to reverse 2 of the 3 overdraft fees. I also sent emails complaining that these overdraft fees were unreasonable charges and that I would accept an overdraft fee of {$37.00}.
Consumer complaint received 2022-10-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted XXXX multiple times to verify three accounts and they have not sent me supporting information on these accounts that have been bringing down my credit score. I have asked and written multiple times over the last 4 months to submit the verifiable information and I receive " updates '' and " remains '' on credit report. They have not sent in supporting information and continue to report past due amounts monthly on accounts that are past due and closed. This is a violation and they will not submit any information after months of requesting. I made the first request in XXXX and subsequently months after. I have called, written physical mail, emailed and disputed online. I have asked to delete these accounts and they remain on my report. It is hurting my credit and they can not tell me where these accounts came from in the first place. Dates are inaccurate, accounts are fraudulent and it continues to be updated monthly as " past due '' on a collection account. 


XXXX XXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX of {$2500.00} XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX {$2700.00} XXXX Credit Card XXXX OPED XX/XX/XXXX XXXX Account Charge off PAST DUE as of XX/XX/XXXX.
Consumer complaint received 2018-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (IL)

XXXX  and Citi are withholding credit from companies that deal in firearms which will obviously cause some to go out of business. This will affect my Second Amendment right to purchase firearms for self defense. This after my tax money was used to bail them out after their incompetent business dealings.
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MD)

Hi I saw on line that One Main Financial over charged their customers for unnecessary fees in the past few years, and I had XXXX loans thru the company and just wanted to know if I qualified for a refund of any over charged fees. I figured it would not hurt to inquire. Thanks
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC (AL)

I received a collections letter from spring oak capital. I am having financial difficulties which is why I can not pay right now. I'm not refusing to pay. I just can't pay anything right now. They will probably pull the trick that they can't find me. Even though they sent me a letter to my address and they know my address.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MI)

We had filed a complaint with CFPB Ref No : XXXX and XXXX ( AMEX Ref : Ref : XXXX and XXXX ) regarding not receiving initial welcome bonus as per offer on American Express Delta Skymiles Gold Credit Card. 

As per AMEX letter dated XX/XX/XXXX - " You applied and were approved for the Gold Delta SkyMiles Card on XX/XX/XXXX. Your application included the opportunity to earn XXXX XXXX XXXX after {$3000.00} or more in eligible purchases are made on the Card within the first four months of Card Membership. '' However, letter also stated that we were advised that we were not eligible for bonus offer during time of application and I elected to proceed without welcome bonus offer. I wish to state that the above statement is not true. I have not received such message during my application and hence I was not aware of any ineligibility.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX-XX/XX/XXXX Accounts were opened in my name using my identifying information. I notified company to dispute accounts and requested validation of the accounts. The accounts are being reported on my credit reports negatively. I have submitted FTC and police reports to company.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Radius Global Solutions LLC (OH)

The company XXXX XXXX has called multiple times and threatened to serve me with court papers. They also threatened to take me to jail. I have been receiving calls and voicemails since XX/XX/2018. I reached out to the company and they stated they can not work with me on a payment plan to help reduce the debt.
Consumer complaint received 2022-02-18
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. (TX)

I have repeatedly asked for the company to send me a signed copy with my signature of this loan that I allegedly have with them. I have not received any information on the validity of this debt. 



DEPT OF EDUCATIONXXXX {$36000.00} Balance updated XX/XX/XXXX Exceptional payment history DEPT OF EDUCATION/XXXX {$40000.00} Balance updated XX/XX/XXXX Exceptional payment history DEPT OF EDUCATION/XXXX {$36000.00} XXXX XXXX XX/XX/XXXX Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$36000.00} {$29000.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$29000.00} Monthly payment {$0.00} Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - - XXXX - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - XXXX - - On Time - Data Unavailable Additional info Responsibility Individual Terms 300 Months Company sold - Original creditor - Comments-
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MiraMed Revenue Group LLC (FL)

MIRAMED REVENUE GROUP reported to XXXX XX/XX/XXXX that an account from XXXX XXXX XXXX XXXX XXXX was a new collection. This account has been paid and is continuing to resurface on my credit report. Called The office of XXXX XXXX XXXX who the bill was originally paid to and the billing department told me that I have no balances due but that because I had no account open with them that they could not issue me a XXXX balance letter to have the accounts removed. 
Account number XXXX Account number XXXX For amounts of XXXX and XXXX but they are reporting as XXXX and XXXX
Consumer complaint received 2022-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (CA)

On XX/XX/XXXX, I was a victim of identity theft. The thief made multiple charges on my behalf using my bank information from my bank app and created a XXXX account. They ordered XXXX rides totaling to about {$55.00}. My bank has resolved a couple of the charges. 

However, on XX/XX/XXXX, TRS Recovery Service collection agency tried to collect for the remaining amount of about {$26.00}. I responded by filing a forgery or identity theft through their online website with the police report attached. 

They sent a second follow up letter on XX/XX/XXXX stating " no attempt to collect '', but requested for personal identifying and bank information, which I am not comfortable sharing. They provided a fraud and identify theft reference number.
Consumer complaint received 2019-03-25
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. (TX)

XXXX XXXX : I paid this account with cash, In Full at the XXXX XXXX @ XXXX XXXX location in XXXX, Tx. Several years ago, I handled this in person and was promised it would NOT be a derogatory item on my credit report, thereafter. 

I am trying to buy my first home, and this needs to come off of my credit report ASAP. 

Thank you
Consumer complaint received 2019-03-22
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. (TN)

XXXX ; Experian and XXXX are incorrectly reporting on XXXX ( page 8 of the attached credit report ) - partial account numbers XXXX and XXXX. The reporting is showing I have balances due on these accounts. I was dealing with these fraudulent student loans to my credit report since XX/XX/XXXX. I was successful in having XXXX and XXXX remove these line items from my credit report, only to find that the SAME student loan information was put back on my credit report. I never attended XXXX XXXX College nor lived anywhere near XXXX. ( Please see attached letter dated XX/XX/XXXX reiterating the situation ). ALSO, attached is a copy of the letter from XXXX XXXX XXXX XXXX - ( XXXX ) dated XX/XX/XXXX wherein they state in paragraph two that the " XXXX   was inadvertently directing our collection efforts to your attention for a federal student loan account belonging to another individual ... '' This incorrect reporting is harming my credit score.
Consumer complaint received 2021-05-28
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. (TN)

Account Name : XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. 


I am not sure how I was late in those months. I remember paying this on time for the month of XXXX to XXXX. There were months when I received my statements late, particularly in XX/XX/XXXX. 


Account Name : XXXX  XXXX XXXX Account # : XXXX Balance Owed : {$28000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late in those months. I have always paid this account on time, I might have gotten my statements late, but I've been making payments on this account. 



Account Name : XXXX Account # : XXXX Balance Owed : {$18000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late from XXXX to XX/XX/XXXX. I have paid this on time, I'm not sure how it appears late in my credit report. It did not match with the records that I have from the creditor.