davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
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: BTH Management (TN)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2021-09-12
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: Experian Information Solutions Inc. (CA)

XXXX is still reporting my XXXX  XXXX XXXX account ending in XXXX on my credit file I just received a letter from XXXX XXXX XXXX stating that they changed the opening date of when I opened the account to XX/XX/ which then means that it is past the 7 year mark that it should be on my credit file and I now want it to be removed immediately from my credit file from all three credit bureaus please I will include a screen shot of the letter I received from XXXX XXXX XXXX
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I applied two amex credit cards ( delta Golden and platimun  ) from last XXXX. After three months they denied the welcome bonus for me because i am ineligible. However i didnt see any notifications when i applied. Just want to tell people be careful in the future.
Consumer complaint received 2020-07-15
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: JPMORGAN CHASE & CO. (TN)

Noticed credit card was not in wallet and immediately called chase to advise was adv credit was going to be given. After investigation states Im responsible for purchases. Purchases were made between XX/XX/XXXX and XX/XX/XXXX. Charges were unauthorized and I didnt give anyone permission to use my credit card information. However the claim was closed and state Im responsible
Consumer complaint received 2021-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Coinbase locked me out of my account for no apparent reason, as nothing has changed on my end. They say I must " verify my identity, '' but all attempts to do so fail. I've tried to contact their customer service at least 50 times, even sent letters via snail mail. Their entire system is automated with no one live to assist. Coinbase has held my crypto hostage for nearly 8 weeks. Maybe it's gone by now & they've stolen it.??? Unfortunately, I've read thousands of similar complaints posted all over the Internet. Wish I would have known this before I got involved with Coinbase. This company is criminal & should be stopped.
Consumer complaint received 2021-02-27
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc. (GA)

I paid off my Self loan and I was told that I would receive payment on the XXXX of XXXX. I was asked to verify my identity with the debit card I payed with and a drivers license. I found this strange because why wasn't this done before they started my account and accepted my payment? Self Lender never said this process would result in them freezing my funds. The lend my to believe this process was just about keeping my account. After trying to comply with there demands now there website won't accept my docs.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CT)

I have no cerdit scores, the credit bureau has me as deceased. I have contacted Experian with no reslove. I am not sure what to do now. Hopefully you can help Thank you
Consumer complaint received 2020-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (DE)

Following collection company has a collection account since XXXX. I don't recall opening account. I'm trying to buy house and they are effecting my credit report. 

Account NameNORDSTROM/TD BANK USA Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$550.00} written off. {$550.00} past due as of XXXX XXXX.
Consumer complaint received 2021-04-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I received an email last week stating that I had a debt of {$670.00}. Which is owed to the department of Treasury. 
I have zero knowledge of this debt. 
I file and pay my taxes on time every year. 
I can not get anyone at the department of Treasury to respond to my request and I have no idea what this is. 
What is my next level of escalation on this issue?
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (UT)

Vervent is report a debt on my credit file that I do not owe. I recently checked my credit and noticed that this debt is still reporting on there but I have received letters stating this debt isn't owed and that they would be removing all negative information from my credit file. This account however, continues to report on my credit. This must be removed immediately.
Consumer complaint received 2020-07-15
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. (VA)

I spoke with a manager at XXXX XXXX XXXX XXXX offering to pay a charged off account for deletion and was advised that the account was with collection agency XXXX XXXX XXXX. XXXX advised that if I called them and paid they agree to delete the account from the credit bureaus. I paid and the account has not been deleted. 

I also called XXXX XXXX XXXX  and had the same conversation with a manager  offering a pay for delete and was also told that they would have the account removed after I make the payment. I made the payment and the account has not been removed. 

I am requesting that Equifax delete XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX from my credit file.
Consumer complaint received 2020-07-15
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. (TX)

XXXX XXXX XXXX is not reporting current payments and continuing report to all 3 credit bureaus as being late despite making payments. XXXX XXXX XXXX is not reporting the correct loan amount on all major credit bureaus.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2020-07-15
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$1100.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Consumer complaint received 2021-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (KS)

I received a letter on XX/XX/21 from American Coradius International LLC saying that I owe {$1300.00} on my XXXX account. It states that unless I notify them in writing within 30 days disputing the validity of the debt, they will assume the debt is valid. The letter states that they would accept {$990.00} as a partial payment by XX/XX/21. American Coradius International LLC is requesting that I make the payment directly to them ( instead of to XXXX ). 

I contacted XXXX and they confirmed that I have {$0.00} debit with them and have always had {$0.00} debt with them. They suggested I disregard the letter and not provide any information to American Coradius International LLC, as they believe it is fraud. 

I believe the letter I received from American Coradius International LLC to be fraud/scam or a case of identity theft and do not plan to contact them.
Consumer complaint received 2020-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (MD)

I requested a forbearance on my mortgage and the company made the forbearance retroactive to a period before I applied for the forbearance and only permitted me two months forbearance although the CARE Act permits up to 180 days at the request of the borrower. When I called the mortgage company ( AmerhHome Mortgage ) to request that this issue be fixed they said they would not make any changes that I could call back after the end of the two month period they gave me and ask for an extension. When I told them that the CARE Act permits up to 180 days they said they did not start allowing that until Thursday ( XX/XX/2020 ). When I pointed out that the CARE Act was passed on XX/XX/2020 and that their actions were in violation of the law they said that there was nothing that could be done. I then asked to speak to a supervisor and I was left on hold for over an hour and no one ever picked up the phone.
Consumer complaint received 2021-04-23
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Earnest Inc. (IA)

I couldn't afford my payment so I tried to refinance but they wouldn't allow it so I had to make payments as I could afford. They called me nonstop, using aggressive tactics, they've called me, my parents, my husband, my in-laws, my work. They leave a voicemail at my work every single day. I sent a cease and desist letter 9 days ago and they received it 3 days ago but have continued to call me every single day.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (AZ)

On XX/XX/21 I have contacted the collection agencies and credit bureaus ( XXXX XXXX XXXX ) via mail and online disputes regarding ( 2 ) collections thats not mine reporting on my credit report. They failed to provide proof and claimed the debt was validated. Legally, they are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Im requesting this information be REMOVED from my credit reports. Collection agencies as follows : 1. XXXX XXXX XXXX {$400.00} 2. Diversified Adjustment {$1500.00}
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AR)

On XX/XX/XXXX ( Sunday ) I received an email from XXXX XXXX regarding my XXXX XXXX credit card account. This account was opened in XX/XX/XXXX with a credit limit of {$1500.00}. In XX/XX/XXXX, I purchased one rug, one living room table, one dining room table set ( including chairs ) and a sofa and loveseat. At that time I utilized {$1400.00} plus, in addition to the delivery fee of around {$85.00} ; which used all of the available credit limit that I had. During XX/XX/XXXX, I decided to close the account. As soon as my first statement came, I was paying on my balance ; interest free for 12 months.

XX/XX/XXXX ( Sunday ), I received a letter from XXXX Finance department informing me that they were adding {$73.00} to my account because they claim that they never charged me for the rug. This is almost a year later when I received this information. I called on XX/XX/XXXX ( Monday ) to speak to XXXX ( name referenced in the letter ) and I was told that she was on vacation. I told the representative that I spoke to that I did not agree with these additional charges that were being added to my account 11 months later and that I would like to dispute the charges. I left a message with that representative for XXXX and I anticipated a call from her when she returned from vacation. On XX/XX/XXXX ( Thursday ), I called back to speak with XXXX because she hadn't returned my call. She told me that she did not receive my message and she was very rude and unwilling to answer my questions or listen to my dispute. I informed her that I would be making a complaint regarding this issue, she acted as if she did not care. 

On my next XXXX 's statement, the increase was already added to my account as well as the corresponding interest. 

I do not agree that a credit card company should be able to add a fee onto my bill, stating that they forgot to charge me for merchandise. I have not kept the best records but I am more than certain that I utilized all of my credit and that rug was charged to my account. I don't believe I as a customer should be held responsible for some type of " issue ' that they have claimed to find on my account over a year later that financially impacts my liability to that company. 

I will not ever do business with this company again. Bad customer service and miscellaneous fees being added to my account.
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (TX)

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit of {$4000.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of Ed/XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (OH)

They call me morning night they wont stop i have asked them to stop calling because im handling all my debt but they wont they even called my afooted mother when im with my birth mother and i told them that im not here and hell call when hes back to help stop but 30 mins later they call again hope this helps if not ill go to court
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I used my online banking ( XXXX  XXXX XXXX XXXX XXXX ) to send a XXXX transfer to someone else on XX/XX/XXXX for {$550.00}. The money was taken from my checking account on XX/XX/XXXX and was supposed to be transferred instantly. The money was not transferred, so I called the customer service and they told me 1-3 business days. The recipient still was not receiving the money so I called again and they said it had been sent on XXXX  XX/XX/XXXX. On XXXX, XX/XX/XXXX, I received an automatic email stating the money had finally been sent and deposited to the recipient 's account. The recipient did not receive the money by XXXX, XX/XX/XXXX, so I called the bank again and they said they said they sent the money not by XXXX, but by ACH transfer, to the recipient 's bank XXXX Bank of America ). The recipient told me he called Bank of America and they told him they did not receive the transfer and the problem was with the sending bank. I called again and they said that is not true and the money is showing in their system as received by Bank of America. They provided me with an ACH trace ID # for Bank of America to use to find the transfer. I tried calling ( XXXX times ) and emailing ( twice ) Bank of America with no response. I called my bank ( XXXX ) again and requested to reverse the ACH transfer. They said they can not do that because their system says Bank of America already received the transfer. However, they refuse to contact Bank of America to ask why they are saying they did not receive the transfer. Bank of America refuses to answer my emails and phone calls. The recipient states he contacted Bank of America and they can't find the transfer and to contact the sending bank. But the sending bank says they sent it and Bank of America has it. Both XXXX and Bank of America refuse to contact each other, both refer us to the other bank, and my {$550.00} is still missing and it has been over a week. 
The numbers provided by my bank ( XXXX ) for Bank of America to track the transaction are these : XXXX ID # XXXX -ACH Trace # XXXX Bank of America told the recipient they can't find any transaction with that Trace number and XXXX told me they provided the trace number and that is all they are willing to do. They refuse to contact Bank of America to assist with finding the money. 
I also called XXXX and they referred me back to my bank saying they do not take possession of the transfers between banks using the XXXX name.
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

I requested a XXXX  demo of an online app but did NOT authorize opening an account and did NOT authorize any transactions to the account. I received an email today that states I have been bill approximately {$72.00}. I have not been able to contact XXXX. I did file a customer support ticket with XXXX online and have not had a response. 

Because XXXX states it is affiliated with Chase Bank by being a Chase Bank company I called Chase Bank and was told they know nothing about XXXX  and were not able to assist me.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

hello good day sir / madam, I would.like to make complaints about american express hilton credit card. I have 2 cards from american express hilton cards,, First the surpass hilton american express card and the other one is aspire hilton american express card which was offered as upgraded and i paid XXXX usd, and i requested via chat to cancel my old surpass card, however it was not intention and my mistake that aspire american express card that i paid XXXX was cancelled instead of surpass hilton american express credit card, i called them about the incident and thet disallowed and not to consider and they want me to apply and pay again for XXXX I hope you can help me in this matter Thank you XXXX XXXX
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

My wife and I have a mortgage on our property and the loan is serviced by Ocwen. We received a notice from Ocwen stating that by law they are required to cancel PMI payments when the amount we owe reaches 79 % of the value of the home. We started paying off our loan on XX/XX/XXXX. We put down an additional {$10000.00} on XX/XX/XXXX and the amount we owed on our home was {$130000.00}, original value of our home was {$170000.00}. We owed 77 % of the original value of our home on XX/XX/XXXX. Since then Ocwen has been charging us PMI payments of {$29.00} every month. Ocwen refuses not to remove PMI from our loan and refuses to return the 19 months of payments we have made which total {$550.00}. We need help getting our money back and also getting Ocwen not to charge us PMI when we don't owe it anymore.