davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC (KY)

Upon applying for the VA mortgage in the amount of {$350000.00} in XXXX of 2021, I was assured all 3 credit reporting agencies would be polled at one time so only one hard hit would be on my credit record. I released my freeze on all 3 agencies for one day and was called with a mortgage refusal as they did not ( failed ) to poll all the agencies-they only did two. I refused and said that is the reason my credit is frozen-you have zero liability while lowering my credit rating. I was at XXXX with the credit agencies. That turned into a real battle and I would not release my freeze and finally I won. 
At closing it is advisable to have an attorney look at papers and with their pathetic closing-It was for a home in Ky. and we were living in Mi so it was remote and we were getting changes on fax up to 30 minutes before signing so basically we were denied any chance for a lawyer to review the details. 
In the beginning of XXXX I elected to pay the remains of my loan off-I paid over XXXX from XXXX & XXXX XXXX XXXX XXXX and XXXX XXXX XXXX would not be accepted so they forced me to pay wire fees for a payoff in the amount of {$480.00}, I did not agree as I felt it was totally unwarranted when over XXXX $ was paid from XXXX XXXX  XXXX XXXX XXXX via ACH. They refused so I said take my escrow which had {$730.00} remains after paying taxes and home owners insurance and they refused to honor that funding. 
Bottom line I had to pay for a wire fee to pay the remains off. We submitted the payoff wire on XX/XX/XXXX for the full amount and have a paid in full letter from them. 
The problem, they claim to have mailed my escrow rebate on the XXXX of XXXX. It is way late and we have received every XXXX XXXX cards and bills remitted to our residence. I believe they are simply holding my money interest free and ripping me off. Their response was we will not send a replacement check for 30 days. I asked them if I had handled my loan payments in a like manner would it have been acceptable and I was hung up upon. Could you please assist me with this very disreputable organization?? 
Thank You.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-02-08
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: EQUIFAX, INC. (FL)

My fiance and I went to XXXX XXXX car dealership in XXXX, Florida to trade in her vehicle for a new one. We were {$9000.00} upside down in the vehicle. They told us no problem. We told them to run our credit report once. We did not want them repeatedly running our credit. She found her dream car, a XXXX XXXX XXXX. I offered them {$500.00} down they told me to save it, it would only lower the payment by {$20.00} or {$30.00}. We took the car home that Monday night. The next morning she got alerts on her phone that her credit was still being inquired. I went to the dealership and asked the finance manger about it and he told me, after looking on the computer that we had two approvals and the deal is done. Fast Forward to Friday, we called the dealership about the remote start and they told us the salesman needed to speak to us. He said, they were requiring {$2500.00} down to close the deal. We went back and we negotiated a {$1000.00} down payment with cash due in 30 days. They day before I was about to give them the first portion of the down payment they told us there was no deal and wanted the car back. Not only was my fiance crushed, we were now two months behind on the other car payment and our credit scores had gone down over 100 points because they repeatedly ran the deal to 20 different primary and secondary lenders without our permission after assuring us we had two approvals and the deal was done.
Consumer complaint received 2018-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (WI)

XX/XX/XXXX I TOOK OUT AN INSTALLMENT LOAN FROM XXXX XXXX FOR {$3200.00}. 
I WAS INJURED AT WORK XX/XX/XXXX AND ENTERED INTO A REPAYMENT PLAN IMMEDIATELY W/GREENPATH FOR LOWER PAYMENTS. ON XX/XX/XXXX I OWED XXXX XXXX XXXX {$1600.00}. XXXX XXXX XXXX ACCEPTED THE AGREEMENT WITH XXXX BUT SINCE THEN I HAVE GOTTEN MORE THAN 7 DIFFERENT BALANCES OF WHAT I OWE FROM BOTH PARTIES W/O THE BENEFITS OF ANY MONTHLY BALANCE STATEMENT.THAT REMAINS CONSISTENT. BEING FRUSTRATED WITH BOTH COMPANIES I DECIDED ON XXXX BREAK I ADDED UP HOW MUCH I PAID TO THEM SINCE MY INJURY AND REALIZED I OVER PAID XXXX XXXX XXXX YET THEY ARE STILL SAYING I OWE THE COMPANY MONEY. I CANT LIVE LIKE THIS ; I NEED TRANSPARENCY AND TO BE CLEAR ON HOW MUCH I OWE AND NOT CONSTANTLY CHANGING MY BALANCE. I HAVE SPOKEN WITH BOTH COMPANIES AND HAVE GOTTEN NO WHERE, XXXX REP. SAYS XXXX XXXX XXXX  HAVE EVERY RIGHT TO ADD WHAT EVER INTEREST THEY WANT INTO THE CONTRACT. THAT IS NOT WHAT THEY SAY IN THEIR CONTRACT THEY SAID THEY WOULD FOLLOW THE TRUTH IN LENDING ACT BUT THEY ARE CLEARLY NOT. THIS IS EATING AT ME I WILL NEVER FINISH PAYING THIS COMPANY.
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My card wasn't working so I finally called Bank of America and I was told the card was closed. Why was the card closed? I didn't call to close the account! This is my oldest card and Bank of America is trying to destroy my credit rating!
Consumer complaint received 2022-04-01
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. (PA)

I believe 3 collection accounts on my credit am inquiring about XXXX XXXX and XXXX XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I made a withdrawal for the amount of XXXX from coinbase on the XX/XX/2017 and i still have n't received it XX/XX/2017 which is way past the date advised. i have tried to contact them via a support ticket and XXXX but they have failed to respond, its seems many people are having the same problem and i worry they may be struggling with liquidity problems.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: NAVY FEDERAL CREDIT UNION (TX)

A letter addressed to my wife, dated XX/XX/XXXX from Navy Federal Credit Union XXXX XXXX, XXXX, XXXX stating that a past due amount of {$12.00} needed to be paid to this Navy Federal Credit Union. Threatening statements indicated that late fees would be assessed, and information would be sent to the credit bureaus concerning late payments, missed payments, or other defaults might be reflected on her credit report. 

We called a toll free number to resolve this because my WIFE NEVER APPLIED FOR A CREDIT CARD from this credit union. We live in XXXX, ane we have never had any dealings with any credit unions. The first person we talked to said the following : A credit card had been issued to an XXXX XXXX at an address of XXXX XXXX XXXX, XXXX, XXXX, with a credit limit of {$25000.00}! This credit card was opened on XX/XX/2016. The {$12.00} charge was a XXXX charge to ship the credit card to the applicant! 
Supossedly the nexy day, Navy Federal Credit became suspicious, and the account was put on hold. 

WE WERE NEVER MADE AWARE OF THIS TRANSACTION. THE ONLY NOTICE WE RECEIVED WAS THE LETTER DEMANDING PAYMENT OF THE {$12.00}! I asked why we were not contacted, an I was told that the PHONE NUMBER WAS INVALID. BUT NAVY FEDERAL COULD HAVE CONTACTED US BY MAIL! WE RECEIVED BILLS FROM NAVY FEDERAL WITHOUT ANY PROBLEMS! 

We made several phone calls to the " fraud department '' of Navy Federal Credit Union. I was completely stonewalled by supposed fraud executives named XXXX and XXXX. XXXX was rude, abrasive, offered no information, and interrupted us several times. Her last comment was we needed to talk to XXXX. When we tried to contact her she was unavailable. We left a message for her to call us back, but she never called back. 

In conclusion we consider this matter to be ignored and unresolved. It seems that this Navy Federal Credt Union was totally unconcerned with our questions. This appears to be a serious IDENTITY THEFT attack. We we trying to get all the information about this breach, and how it could be possible that this credit union could actually issue a credit card particularly one with such a high amount from a credit union in XXXX to an individual in XXXX without contacting persons that would be responsible for the charges on this credit card! We need as much information as possible in this matter so that we might contact authorities that might protect us. Obviously Navy Federal Credit Union has no interest in advising us at to actions we might take to protect us. 

I consider the people in the department who verifies credit applictions and are in the fraud department to be useless and incompetent. It distresses me that this company is allowed to use the words " Navy '' and " Federal. ''
Consumer complaint received 2022-04-01
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. (CT)

I had pay off all the 3 accounts that show on my credit report. I pay each one the exact amount that it was due and have not use the account any longer. They showing on my report. I pay them off in XXXX and spoke to them about balances showing on when actually I do not have any balances. The accounts are XXXX XXXX  Victori Secrets and XXXX. If you need exact dates as when exact dates, please let me know.
Consumer complaint received 2019-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I thought I was buying concert tickets from a private seller and felt comfortable doing so thru Chase bank as they promote XXXX as a quick pay option. On XX/XX/19 I sent {$100.00} to a seller. I never received the tickets. I called Chase 4 times that same evening and got 4 different responses. In the end evn though it still shows pending in my account they are saying there's nothing they can do.
Consumer complaint received 2018-01-10
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: JPMORGAN CHASE & CO. (TX)

XXXX XXXX, 2017 Chase Auto performed a hard inquiry on my credit report without my consent. I contacted Chase auto and said would not be able to solve my issue i would need to contact the credit bureau.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-02-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (OR)

Synchrony Bank has added extra security where you get an automated call with a security code needed to log into your account. The number they have on file is not our phone number. I was told by their customer service they use a third party who gets telephone numbers off the internet. We have done business with Synchrony Bank for years, they have our telephone number. We can not get them to remove this telephone number, which is not our telephone number, from their system or our account. I have contacted them numerous times regarding this issue and they insist they can not help with the issue.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I thoroughly reviewed again my credit report and I can still see the fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2018-01-10
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MN)

I noticed a 30 Day late on my credit report and immediately called and disputed this. I had updated my address with this creditor and hadnt received a statement, unaware that a payment was due. I then received a notice of returned mail. When I called and asked them why my address was not updated they had no answer. I preceded to pay the owed amount and let them know id like the 30 Day late removed, they informed me they would n't help. I then asked to speak to a supervisor they told me it was on a call back basis, I agreed. When three days went by I decided to call them. The same result occurred. 

I would like the 30 Day late removed given the circumstances. I have also never had a 30 Day late with this account.
Consumer complaint received 2017-01-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Describe what happened so we can understand the issue ... 
Naval Federal Credit union fail to pay bill as though their bill pay as agreed resorting in my credit going bad they told me they was going to depute the to each reporting company and did not also was to send me a copy of what they did and have not done so this was done to hurt my credit and then refused to help resolve the issue they made and lied about it which is why they did it intentionally They said they sent you a letter to give to me. Never got it They are now retaliating against me by not paying my bills as set up in the system and scheduling payment early so they can charge me a fee. They claim they ca n't see my records lie lie its in their system. They agreed to send a letter to the reporting agency 's and was sending me a copy by mail, when asked they sent it to you to give to me still do n't have it. Their current action is retaliation for filing prior complaints. They have and to continue to mess-up my credit.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. COLLECTIONS XXXX {$300.00} COLLECTIONS XXXX {$290.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$76.00} XXXX XXXX {$570.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$12.00} XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2017-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NJ)

THIS IS NOT MY BILL, IVE EXPLAINED THIS SEVERAL TIMES AND IM STILL FIGHTING WITH THIS, IVE HAD HEALTH INSURANCE FOR OVER 10 YEARS STRAIGHT, THIS IS N'T MY BILL, THIS DEBT HAS BE TRANSFERRED TO NUMEROUS COLLECTION AGENCY OF THE YEARS {$1100.00}
Consumer complaint received 2016-01-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I am responding to an unlawful contact about an alleged debt by Portfolio Recovery Associates of XXXX, VA in violation of the conditions of their XXXX/XXXX/XXXX U.S. CFPB consent order. I was contacted by computerized autodial telephone call from caller ID " XXXX KY '' with a prerecorded message at XXXX EST on Sunday, XXXX XXXX, XXXX that identified an unspecified debt and directed me to call XXXX.
Consumer complaint received 2016-11-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC (FL)

Repeatedly asked representatives of this company, on more than 1 occasion, to refrain from contacting me. I also gave an alternate contact number at which the account holder could be reached. I was told by several representatives after requesting not to be contacted, that I would no longer receive phone calls. Also that my number would be removed from their records. During the most recent call I was told I would not be contacted for up to seven days, after that they would resume calls. I again asked for my number to be removed from their records but was told I have to submit my request in writing. I continue to receive phone less than 24 hours later.
Consumer complaint received 2016-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (VA)

On or about XXXX 2015, I found a negative reporting entry on my credit report posted by Diversified Consultants XXXX XXXX XXXX, XXXX, FL XXXX for a debt allegedly owed to XXXX. The entry showed that the alleged debt was reported in XXXX 2015. I called Diversified Consultants and asked why they did not verify the debt by sending me a letter as required by law. They claimed they did ; I did not receive any such letter and I informed them about it. I have since noticed that they have noted on my report with the following information " Account information disputed by consumer, meets FCRA requirements '', meaning that instead of correcting the report and sending me a letter to verify the alleged debt, they have suo motu decided that they were in compliance with the FCRA.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The following accounts are not mines nor have I agreed or entered into a contract with any of these frivious companies with these false allegations affecting my credit files. Please send me physical documentation that Supports their claims if not I'm demanding the immediate removal of the following unknown and unauthorized accounts. 

1. XXXX XXXXXXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filed complaints about my credit score going down from XXXX to XXXX for no good reason. I just noticed they have the wrong address on my transunion report. It erroneously lists XXXX XXXX XXXX, XXXX XXXX, ny XXXX as the address. 
My address where I own a home is XXXX XXXX XXXX XXXX XXXX, ny XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citi advantage credit card is taking greatly advantage of consumer and specially me. I started this credit card with a balance of {$3000.00} with a payment of XXXX and now my payments range from {$88.00} XXXX month and never go down making be slave of the credit card for years. I have a very interest rate I spoke with rep XXXX rep # XXXX and told her that I had to spend money on funeral expenses and will be great to lower my interest rate and of course CITI was careless about any hardship with customers. 

I been paying this card for over a year and if I count all my payments plus the amount give. I paid more than I borrow in credit making be an slave of interest and payments. This is really predatory interest rate at its best. I want to live pay a CC not a mortgage loan for 6 years because that what will take me to pay.