davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (FL)

I'm a victim of XXXX XXXX and even though I've sent in documents from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  verifying I'm a victim as well as a written letter advising what information needs to be removed, they're refusing to remove it. This breaks the law that was just passed last year.
Consumer complaint received 2022-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have experience fraudulent charges on my Capital One credit card. After opening disputes, Capital One reapplied the charges and provided a vague letter with no information regarding the dispute. There are 3 transactions that are fraudulent. The fraudulent transactions are : XX/XX/2022 XXXX at XXXX XXXX overcharged {$100.00} ( {$610.00} instead of {$510.00} ), XX/XX/2022 XXXX XXXX for {$32.00}, and XX/XX/2022 XXXX XXXXXXXX  charged {$130.00} but less than half of merchandise ( missing photos of myself and video of XXXX XXXX ) was provided, resulting in an overcharge of about {$65.00}. Enclosed is receipt from XXXX XXXX, Email alert from Capital One on XX/XX/2022 to inform me of fraud from XXXX XXXX and my email communication with XXXX XXXX ( who has not responded ).
Consumer complaint received 2022-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (CT)

2 Bankruptcies were put on my credit bureaus that was dismissed. I have proper documentation as far as dismissal papers from court. During the past 6 months Ive sent certified letters to address this matter. only to get a response that these errors were legit.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a mortgage company ( XXXX XXXX ) that we have been making payments to. They have made several mistakes and misreported late payments to the credit bureaus ... 11 total. I've asked the bureaus to process my request and update my mortgage to paid as agreed and remove these remarks ... nothing has happened and this is killing me. Attached is a document that XXXX XXXX sent us after we threatened to sue them agreeing to remove the late payments. Please help us
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXX XXXX XXXX hired a debt collection agency, Portfolio Recovery to collect a debt that is not mine. I never recieved any correspondence through mail, phone CALL ETC ... I found out about this debt through checking my credit report. At the time of this account being open fraudulently in my name I was hospitalized at XXXX XXXX XXXX. I was told to send proof of this and I did. I was later told that this was illegal on the part of XXXX XXXX  and Portfolio Recovery. This is an invasion of my privacy according to the Privacy Act and HIPPA regulations. I also disputed with credit bureaus in which these companies did not reply within the 60 days FCRA regulation requires them to. XXXX XXXX requested to see a police report and I sent them three different ones to different departments over and over again. Portfolio Recovery also made this request and I obliged but after 60 days was not made aware of any changes to my credit reports.
Consumer complaint received 2021-02-02
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. (TX)

I have a mortgage company ( XXXX XXXX ) that we have been making payments to. They have made several mistakes and misreported late payments to the credit bureaus ... 11 total. I've asked the bureaus to process my request and update my mortgage to paid as agreed and remove these remarks ... nothing has happened and this is killing me. Attached is a document that XXXX XXXX sent us after we threatened to sue them agreeing to remove the late payments. Please help us
Consumer complaint received 2022-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AE)

I have student loans from Department of Ed and it is serviced by Fed Loan Servicing. Since completing my graduate degree, I've been working for public service employers in higher education, state, and federal agencies. Thus, I'm currently pursuing the Public Service Loan Forgiveness ( PSLF ) program. However, when I begin my career back in XXXX and contacted Department of Ed and Fed Loan Servicing for information about repayment options, I was not provided with information about PSLF, even though I was working for a qualifying employer. When I contacted Fed Loan Servicing again in XXXX, after postdoc and securing an employment, I was steered towards forbearance due to financial hardship and was not given accurate information about income-driven repayment plans and PSLF. Had I known about PSLF and income-driven repayment plans back in XXXX, I would have taken advantage of the program and begin the process. Thus, I lost 14 eligible payments towards the 120 total needed for PSLF in XXXX. This was due to Department of Ed and Fed Loan Servicing not provide information, providing inaccurate information, and steering me towards forbearance without providing me with information of other options such as PSLF.
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

Hello, I am a coinbase ( pro coinbase ) user. I have account with them around 10-11 months. 
My account has been under review for last couple of weeks. Even I have submitted multiple ticket to remove the " under review '' on my account, all the tickets were closed. 
This has led my account to be frozen therefore, I am not allowed to buy/sell or even transfer money, therefore, it is incurring financial loss to me. will you please advise how I can get this moving. Coinbase has not been helpful on this matter to resolve my issue or provide a status.
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (DE)

I have had a horrible experience with GM Financial which I need you to know about. My XXXX, a lifetime GM customer and current lessee of a XXXX XXXX, passed away last year on XXXX morning XX/XX/XXXX. On approximately XX/XX/XXXX, I reached out to inform your company of his passing and expressed my desire to arrange to keep Dads XXXX. In my letter dated XX/XX/XXXX, as requested, I provided XXXX XXXX XXXX as well as a letter with my contact information, requesting information on taking over the lease or purchasing the vehicle outright. Earlier this evening ( XX/XX/XXXX ) I heard loud exhaust in the front of my home and was horrified to see a tow truck hooking up to my XXXX vehicle. I ran outside in my socks and pleaded with the driver to allow me to remove some of my Dads belongings. I immediately called GM Financial to understand what was going on and spoke with XXXX XXXX XXXX XXXX in the reinstatement department. XXXX began by telling me the vehicle was past due and that GM hadnt received the proper paperwork to communicate with me. I explained to her the situation and she confirmed she received the letter. It defies all logic that a simple call or email wasnt delivered to inform me of the required documentation. XXXX was unreasonable, lacked empathy and shredded the GM brand with her dismissive and condescending attitude. She chastised me for not delivering the proper paperwork or making payments I would have happily made payments if an invoice was provided. I am sickened by the way this was handled. I have a $ XXXX XXXX in my driveway I dont even want to look at. My father served our country during the XXXX XXXX in the XXXX XXXX and always preached to us kids to buy XXXX. He was proud to drive GM vehicles his whole life which makes this experience feel like a harsh betrayal. I can not understand why GM would deny us the opportunity to arrange to keep the vehicle and instead, opted to cause me the traumatic experience of watching my Dads vehicle being towed away.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CT XXXX XX/XX/2020 Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern, Regarding our mortgage ( loan number XXXX ), your most recent mailing informs us that our payment suspension will end at the end of this month. This is in error as I have used your online form to extend the forbearance period another 3 months. Further, we have submitted your Authorization To Release Information Form nominating our attorney, XXXX XXXX XXXX, but we have received no acknowledgement of our submission. In addition, your latest communication mentions the Payment Assistance Action Request Form and that it can be accessed by clicking on the " Reply Now '' button on the mortgage account summary page. No such button appears on my summary page. 

We are ready to begin mortgage payments again, however, we require that the forbearance amount be added to the back end of the mortgage. XXXX XXXX calls it the following - " Starting XX/XX/2020, offering a payment deferral solution in which your deferred payments will be due at the end of the loan ''. It appears on their website - XXXX XXXX XXXX 

We also ask that use XXXX XXXX 's checking account for the automatic withdrawals for the mortgage payment instead of the account on record. The routing number for XXXX XXXX Bank is XXXX and the account number is XXXX. Withdrawals should be every 2 weeks as before. 

Please respond immediately and let us know that you have recorded our requests. 

Sincerely, XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX, Consumer Financial Protection Bureau
Consumer complaint received 2021-02-02
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

A XX/XX/2020 charge of {$170.00} was an online purchase. I received the wrong items from the company and returned them within their return policy. The return and dispute was started in early XX/XX/2020. I sent in documentation showing the XXXX shipping details, the delivery and signing of the package and the compliance with the return. Since then, every week I've called customer service and the dispute department at Capital One. After 2 hours on hold each time for them to review the case, I am told that everything is in order and that a credit will be applied in 2-5 business days. It never comes and then the next week I repeat the entire thing. It's been 2 months and they haven't returned my money. If it was the reverse situation I would have been charged interest and late fees. So I am requesting the same thing. Upon asking for management or a compliance department, I was told that neither exists.
Consumer complaint received 2021-07-10
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. (CA)

1.The debt collector didnt speak to the consumer in person or by phone before furnishing XXXX, transunion and XXXX  credit agencies with negative information on my credit reports. Please provide any and all phone records personal notes of in person communication between debt collector and consumer for record.

2. Debt collector failed to provide a letter or message to the consumer about the debt in violation of his right to respond in a reasonable period of time to receive a notice of delinquency. Please provide any and all written communication for record.
Consumer complaint received 2021-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (AZ)

Zelle restricted my phone number upon a fraud claim by a person I sold a good on XXXX. That was a false claim and that person told me that he cancelled the dispute. No matter how many times I've called Zelle, my bank or send an email to them, they didn't help me with activating back my phone number with Zelle. Now I can't use my phone number with any banks via Zelle also can't use Zelle at all with XXXXXXXX XXXX.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX  IS REPORTING A SCORE FOR TRANSUNION AND XXXX IS REPORTING XXXX XXXX XXXX AND XXXX XXXX IS RRPORTING XXXX. BOTH OF THESE ACCOUNTS HAVE THE SAME CREDIT ACCOUNTS. THEY ARE NOT CONSISTENT. IT APPEARS THAT THESE ACCOUNTS SCORES ARE FRAUDULENT AND THE BLANTENT DISPARITIES
Consumer complaint received 2019-03-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: GMA Investments, LLC (FL)

Summit Receivables first attempt to collect a debt was with a phone call to me at work. They never called me before or left a message on my personal phone. They left a message with a clerk who could not understand the person. When I called them and asked them why they called me, they told me they are trying to collect a debt. Summit Receivables is trying to collect a debt, yet they hung the phone up on my four times. When I told them to stop calling me at work, they hung the phone up on me.
Consumer complaint received 2020-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB (NC)

I have a camper loan with state farm bank. Since I took out the loan I have been paying extra. Until recently there was no option to indicate principle payments. The app still doesn't have the option to designate principle payments. Each month I have made a payment including an extra amount for principle. On the anniversary of the loan they recompute the loan. When they do this some of the principle payments are removed and the extra payments are directed toward future interest. Last month I owed around XXXX. I paid XXXX and now owe XXXX on the loan. State Farm bank doesn't allow you to question any transactions older than 3 months even though they just recomputed the loan removing the principle payments. They said I have paid future interest through next XXXX. I was under the understanding when I took out the loan it was a simple interest loan. I always ask because I usually make extra payments. to shorten the term. 

I need a complete audit of the loan to find out where the missing payments went and how they can justify removing my principle payments when my account showed them posting correctly the prior month. There is no recourse since SFB refuses to look at payments older than 3 months
Consumer complaint received 2020-11-21
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: Westlake Services, LLC (PA)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (FL)

Dear Sir or Madam, my issue concerns a collection which is fraudulent and which despite being disputed by myself with collection agency operators and through communication with the credit bureaus and with the original company, persists to this day. 

The account was with target which is owned by TD Bank. I was issued a store card in XXXX. The amount eventually was approx {$3000.00} dollars. I used the card 2 times to purchase sundries and then approx {$200.00} worth of lamps which did not work after a week and which I took back for a credit. 

At first Target billed me for a late payment when I called they reversed this stating that it was their error. When I began to get bills for the credited items I got upset and called Target again and had the matter cleared up again and then asked the agent to close the card as it was giving me more problems than having it was worth. The reluctant agent eventually told me the card was closed ( with no balance ) and that all was well. 

Approx. 6 months later I began to get collection letters for the {$200.00} which I disputed, explaining the card was closed. Nothing was due on it and that Target/TD bank should be contacted. 

Today, XXXX  XXXX  XXXX  sent me a letter stating that the balance owed is {$3500.00}. For what? Apparently for the entire balance of the card which I did not use, and some fees which they feel they have the right to tack on. I am writing this agency in the hopes that it will provide the oversight which is sorely needed by this so called company to erase this fraudulent debt once and for all. 
Their debt is false, the card was closed with a full balance on it and once that happens nothing can be purchased on it ever again. I will include the account number and all other pertinent information here as this is getting to the point where if I need to hire an attorney I will. 


XXXX  XXXX  XXXX  XXXX  File Number : XXXX Account Ending In : XXXX Balance : {$3500.00} XXXX XXXX TD Bank XXXX XXXX.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021 I opened secured credit card in Capital Ona bank. I put {$200.00} security deposit as a transfer from my XXXX XXXX deposit account. It was accepted by Capital One. On XX/XX/XXXX, I received credit card. I followed instructions to activate it online, but activation failed. I called customer service and they told me they need to verify my ID. I have SSN, valid US EAD and valid XXXX passport but none of these documents were recognized by Capital One. They said they need driver license or state ID. I do not have these types of ID and asked to close my account and return {$200.00} security deposit back. They said it will be returned in a term of 2 billing cycles. My money were never returned to me. No update was provide ether. 
Today, XX/XX/XXXX, I called Capital One and they said they can not return my money because my account is locked and they need to verify my ID. I provided photos of front and back of my valid EAD but they refused to recognize it again. They refused to return my money back. I tried to escalate but was a dead end. They said they use barcode reader and it doesnt read EAD barcodes .... This doesnt sound like valid legal argument. Basically they refuse to recognize government issued ID. Please help me to get my money back. 

My customer number : XXXX XXXX XXXX Capital One case number : XXXX XXXX Employee ID I spoken to : XXXX
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

My mother had a Chase account and she was a victim of fraudulent activity. 
She then had me put on her account since she was XXXX years old, the fraud was committed by her daughter and XXXX grandchildren when she lived in the XXXX. Chase closed her account and seized if I remember correctly over {$2300.00} or more. I called the fraud department and the guy was extremely nasty. 

Since this all happened my mother moved into my house she can't be alone and I am her son and legal guardian, my name is XXXX XXXX.
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FlexShopper, Inc (FL)

I cant remember a date but I went to flex shopper online to order a camera and make payments over time..I think it was weekly payments. I order the camera but never received the item. Ive tried many times to resolve this problem with the company speaking to many people. The account is now in collections which it should not be and everyday I receive calls and emails about a debt I do not owe because I never received the item.
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

This is a formal complaint against National Credit Systems , IncXXXX located in XXXX This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, [ under 3 different business names, ] and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, National Credit Systems , Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. They have not provided me with a copy of a contract, bearing my signature, showing that i have to pay them this alleged debt. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.