davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NY)

A company - AMSHERCOLLECTIONSERVICES 11 XXXX XXXX XXXX Appeared in my credit report. I have never received communication from this agency, I have no knowledge of this debt or why it is owed and they submitted the action during the NY shutdown when items were not to be added to credit reports and there was a moratorium on action being taken in accounts. This action severely hurt my credit and prevented me from being able to receive a loan i needed to purchase a new fridge.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (OH)

My debit card was lost/stolen and many unauthorized transactions appeared on my account. I disputed these charges and they were denied. I called Suntrust and they said they were denied because of inconsistencies. The only possible inconsistency was the date I lost the card. I said it was XXXX XXXX, XXXX because that was the date they had for a transaction at XXXX for {$53.00}. This was the last I used the card. It turns out that was the posting date, not the transaction date of XXXX XXXX, XXXX. So when I faxed the affidavit to them I put XXXX XXXX, XXXX as the last time I had my card. That is the only inconsistency and it can be explained. Ive been waiting over two weeks now for my stolen money to be returned. Also, theyve charged me two overdraft fees as a result of this fraud. The can look up the claims with claim numbers XXXX and XXXX. There are about {$2800.00} in fraudulent transactions. Im not going to lie down and let them help these crooks take my money.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (ME)

When I opened an account with XXXX XXXXXXXX XXXX XXXX, I was advised the account would remain open with them as long as a payment was made or a purchase was made at least once every two years. 
Recently, however, XXXX decided to outsource the managing of their accounts to a third party bank, XXXX XXXX. XXXX XXXX has numerous complaints about them online, and I 'm not sure why XXXX partnered with them to begin with. 
To make matters worse, when they transferred my account to XXXX, XXXX reported to all of the credit bureaus that the account had been closed with them. This caused my line of credit with XXXX to disappear, and my credit card utilization skyrocketed as a result. All of this happened without my being notified, and it happened as I was applying to cosign a loan. Fortunately, the loan was still approved, albeit at a higher interest rate. 
I attempted to contact XXXX customer service numerous times, but their system transferred me to XXXX XXXX XXXX  customer service each time. 
This was a terrible customer service experience, and I do not feel I can trust XXXX moving forward. I would encourage everyone to avoid XXXX at this point unless they plan on being more transparent and better customer-service oriented in the future.
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (RI)

Mr. Cooper Mortgage is claiming that they never received my payments for XXXX, XXXX, XXXX and XXXX of XX/XX/XXXX, I made the payments through online bill pay with XXXX  XXXX XXXX, both XXXX XXXX XXXX an I have provided proof that the payments in question, were sent electronically and the funds were received by Mr. Cooper, however they continue to claim that they can not find said payments. 

It appears that since XX/XX/XXXX, when Mr. Cooper took over my Mortgage I've been using the wrong loan number, however until XXXX there was no issue the payments were being applied to my loan without a problem. 

also my credit rating of XXXX has now dropped to XXXX I have contacted them on numerous occasions, I've had two conference calls with XX/XX/XXXXXXXX XXXX and Mr. Cooper, provided bank statements and other documents proving that payments were sent & received, yet they still claim that they can't find the payments
Consumer complaint received 2018-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (GA)

The company FBCS sent me a letter trying to collect a debt that I disputed with another agency in XXXX 2017.  The previous agency has removed the debt from my credit report because they could not validate it. Now FBCS, is trying to collect on that same debt that was obviously sold after validation could not be proven.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, i have been making several attempts with Transunion and their reps to remove several negative inquiries on my report, Transunion customer service has refused to help in the removal of these negative fraudulent inquiries. 
I have listed the inquiries that i have been trying to get removed 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX/XXXX 4. XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX I have made several attempts with Transunion and the creditors to get these fraudulent inquiries removed please help
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX has reportedly tried to collect debts that I have never owed. In investigation into the company needs to happen. 

I have no idea how TRANSUNION allows this to happen
Consumer complaint received 2021-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX $ was taken out of a joint account that i am the primary of for the other persons debt. In the pandemic every dollar is spoken for. I had bills already arranged and they took my money without warning which put my account negative when bills tried to process with no money left. When i called they couldnt tell me why they took my money as it was not my debt but refused to give me my money back. I reached out several times and spoke to different departments with the same answer that they could because it was a joint account. I never authorized them to take my money for someone elses debt. I just want my money back, returned check fees waived so I can close my account and be done with them. They have caused me and my family hardship during a PANDEMIC!!! Horrible company, they should be ashamed! 

Yes its Navy Federal Credit Union
Consumer complaint received 2018-01-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

ON XX/XX/XXXX I MAILED A GOOD WILL LETTER TO ALL THREE CREDIT REPORTING AGENCIES, XXXX. EXPERIAN AND XXXX XXXX ABOUT MY BANKRUPTCY FILING OF A CHAPTER XXXX ON XX/XX/XXXX. THIS BANKRUPTCY WILL BE XXXX YEARS OLD IN XX/XX/XXXX. I WAS NOTIFYING THEM TO GET A RESPONSE ABOUT THIS MATTER BECAUSE I RECENTLY TRIED TO GET A INCREASE ON MY CREDIT CARD AND WAS DENIED BASED ON THAT BANKRUPTCY STATUS. I WANT TO KNOW WAS DO THAT HAVE TO HOLD THIS AGAINST ME AND THIS IS XX/XX/XXXX.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

Repeatedly, since and before XX/XX/XXXX, EXPERIAN has refused to comply with applicable federal law by providing the proof they are required to have on record regarding requests for my credit history. I have demanded that EXPERIAN provide the ( 1 ) method of verification EXPERIAN utilized, the ( 2 ) name and address of the furnisher to whom EXPERIAN sumbitted and received the investigation report, the ( 3 ) bona fide, true, correct, and complete, document, contract, agreement, authorization upon and through which EXPERIAN asserts that my affirmative consent has been or was given and EXPERIAN has continuously refused, failed, and ignored my demands for EXPERIAN 's compliance with federal law. Instead EXPERIAN sends to me a credit investigation report in which EXPERIAN reports 05 of 06 disputed inquiries REASONS as " Unspecified. This inquiry is scheduled to continue on record until ... '' and 01 of 06 as " Auto loan on behalf of XXXX. This inquiry is scheduled to continue on record until ... '' I have no knowledge of any of these inquiries AND i certainly have NOT requested an auto loan from nor through XXXX!!! As recently as XX/XX/XXXX in EXPERIAN Report number XXXX, EXPERIAN is still actively reporting and selling to its subscribers inaccurate, unverified information!
Consumer complaint received 2017-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. I have filed a complaint with the Federal Trade Commission because someone open unauthorized accounts in my name. I have tried several times to correct this erroneous information on my credit reports but to no avail.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have already submitted complaints about my credit scores dropping for no good reason to XXXX and equifax. My reports clearly show that my payments are 100 % on time with no derogatory marks. This is a form of corruption that has to stop with these reporting agencies. are they working in cahoots with the insurance companies to make you pay higher premiums? It is good to know that president trump has gotten rid of your former CEO. He was no help with these issues at all. I will file a law suit against equifax and XXXX if they do not put my credit scores back to where they belong.
Consumer complaint received 2017-11-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (NJ)

6 attempts in writing as well as notarized letters have been made to Simon Agency to provide validation for items that they are reporting on my credit report. This has been going on since XXXX. The Simon Agency has ignored my requests for validation and continue to report incorrect and false information.
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (TN)

Collection agency is n't licenced in my state, TN. They didnt reach out to me regarding the debt ( meaning I did n't have a fair chance to contest the validity of the debt ), but is still on my credit report.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (OR)

This month, Wells Fargo has notified me that they will be changing the MSF structure to their " Everyday Checking '' accounts. Basically, a method of using 10 or more posted Debit card transactions will be removed as a means to waive the $ XXXX  monthly service fee. The only alternative is to have a {$500.00} daily balance. 

Unfortunately, no other Checking account that they have available has this option. I ask that your organization investigate this practice, as it will profit on the most vulnerable individuals and families, especially in light of CoVID and the loss of income for many. This decision was made arbitrarily and without consideration to the many customers in Oregon. 

The only solution that I can think of is that WF be required to have at a minimum one Checking account that can have its MSF waived via 10 debit card transactions. 

Important information about avoiding your monthly service fee What is happening Effective with the fee period beginning after XX/XX/2020, there will be changes to your Everyday Checking account ending in XXXX. 

Avoiding the monthly service fee with 10 or more posted debit card transactions will no longer be an option. 
The options to avoid the monthly service fee using minimum daily balance or qualifying direct deposits will be based on a minimum of {$500.00} each fee period. Depending on your checking account type, this represents a lower minimum for one or both of these options. 



Thank you.
Consumer complaint received 2023-01-26
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-01-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Today XXXX/XXXX/2018 at XXXX i was contacted by an individual who was asking for me. When questioned as to who they were and the company they represented, I was left with no answer, just asking if i was the person they were looking for. I stated that they are not to call back because I do not owe anyone any money. The individual said " thats ok we will just call back another time '' and hung up. 
When I attempted to call the number back on the caller ID " Portfolio Recovery '' the system message was that the number I had dialed was no longer in service. 

I have noted at least 2 major violations of the FDCPA just in that one phone call.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (FL)

This Collections Should be disputes for my credit report. 
This 3r party takes advantages about the situation, There are all Medical Bills Affect my credit score. 
Those bills already take care with my insurance Company. 
Please i need this disputed this Collection bill as soon as possible Regards XXXX XXXX
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MA)

I purchased 2 plane tickets thru Chase XXXX that was later cancelled by XXXX. A few months later, I ended up cancelling the credit card. 
Over a year later, I received an email from the Chase advising me of an expiring travel credit. I called Chase inquiring about this but said it was actually already refunded. When I asked for proof of refund, they do not have any records of it anymore since the credit card was cancelled. I then sent a certified letter to the head office in Delaware in late XXXX requesting help. I have not heard back from them since. 
I again receive an email advising me of the expiring {$1500.00} credit within 21 days. I called Chase requesting proof of refund but have not had any success.
Consumer complaint received 2018-01-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I sent two cease and desist letters to Portfolio Revcovery Associates concerning a debt that is past the statute of limitations. One letter was sent on XXXX XXXX, XXXX another letter was sent XXXX XXXX, XXXX. The debt collector has ignored my requests to cease and desist. The most recent phone call is on XXXX XXXX, XXXX.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have been trying to lift a security freeze on my credit report ( that I placed back in 2017 after an information leak that occurred at Equifax ) because a bank needs to access my credit report. 

I have tried every possible method for removing the freeze ( via their website, multiple phone calls, US mail, fax ) and they still haven't solved the issue, which has prevented me from accessing credit at banks that query Equifax reports.
Consumer complaint received 2022-02-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of XXXX I filed a dispute with the major credit bureaus XXXX and Transunion about the unverified info being reported from XXXX XXXX Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Consumer complaint received 2021-06-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AUTOMOBILE ACCEPTANCE CORPORATION (FL)

So I was XXXX and reached out to car company regarding the car and payments and the engine went out in the car. After that I had XXXX on my throat. They asked for a replevin I offered to do a settlement of several occasions. They denied. I returned the vehicle. And afterwards they salvage the car. For the same amount I offered XXXX. And still they want me to pay XXXX. And I asked they about the gap coverage. And they denied giving me that info i.p.o by
Consumer complaint received 2017-11-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Vermont Student Assistance Corporation (VT)

We received a letter on XXXX XXXX from Vermont Student Assistance Corp. stating that my daughters loan was deferred to XXXX/XXXX/XXXX. we then a week later get a later stating that she is over due on paying that months payment. She is doing program ( that includes a masters in business management at the XXXX University XXXX XXXX with a company starting on XXXX. XXXX, XXXX. The documents alluding to this case are all attached. because of the email stating the loans were deferred to XXXX XXXX we stopped investigating a refinancing loan until after the Holidays. We have requested that they grant a forbearance until the end of XXXX XXXX on XXXX/XXXX/XXXX if they are not going to honor their letter dated XXXX and they have not responded. After contacting VSAC once we got another bill they said that the letter granting forbearance was a mistake and to disregard it.
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (UT)

A wire was sent to Coinbase, Inc on XX/XX/XXXX. Contacted XXXX XXXX ( Coinbase 's Bank ) they received wire on XX/XX/XXXX in the amount of {$15000.00}. I have yet to receive my funds on my coin base account today being XX/XX/XXXX. I have sent over 25 emails and have n't received any response but automated responses. Emails sent to XXXX and XXXX.
Consumer complaint received 2017-11-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

On the X/XX/17 coin base decided to close my account for no reason I had only opened the account a couple of weeks earlier I got an email telling me they was closing my account and to move my coins and euros before they close it. 
I was able to move the coins to an outside wallet but to move my euros I had to select my bank from a drop down box to send my funds too but when I select a bank there is no bank there and I can not enter my bank details manually because I have only limited access to my account now basically there is no way of getting my money back I have XXXX euros in the coin base acc I have  made four calls to support now and all I get is my case will be handed to a specialist? 
These calls have cost me XXXX as it takes forever for them to answer and no help at all I have three case numbers XXXX Coin base do not want to help