davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit card — Store credit 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 (NV)

On XX/XX/year> I purchased a couch for {$2800.00}, I requested a refund from XXXX XXXX the following XXXX  and they accepted that they will acknowledge the refund and provide me a path to do so ( Check document attached ). XXXX XXXX however stated that they are not responsible for processing the return and it is XXXX XXXX but XXXX XXXX stated the exact obvious. Since the refund was not being implemented, I contacted XXXX XXXX the creditor and disputed the charge, they refused to give me back my money and hung up on me on the phone multiple times. This is an issue with XXXX XXXX mainly for refusing to refund my money, also XXXX and XXXX XXXX but not giving me correct information on who is responsible for processing the refunds!
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

Hacker ( s ) took all my investments from my Coinbase account worth XXXX  XXXX XXXX of dollars. Account is linked to my email address. Coinbase acknowledged. 
unauthorized activities on XX/XX/XXXX and XX/XX/XXXX. Coinbase case # is XXXX.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (NJ)

I moved to a new apartment. I noticed my social security card missing as I was packing. I reported the loss via telephone to XXXX which shared my fraud alert request with Experian and XXXX. This summer I applied for senior housing in XXXX county. That application was denied based upon a report generated by Experian. Subsequently I applied for a car loan with XXXX because of their 0 % financing offer. I could only get the car on a 4 % financing. It was then that I was told that there was fraud alert placed on my credit. However, the credit reporting agencies never contacted me to verify. I became the victim of my own fraud alert.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

For some reason Experian is reporting my XXXX score as XXXX which is very low and reserved for consumers with bad reporting to their credit. 
My XXXX XXXX score is XXXX. 
My XXXX XXXX score is XXXX. 
I called Experian to get an explanation and I was not able to obtain XXXX. Their wrong XXXX score has resulted in me being denied XXXX XXXX card, since they use Experian credit report. 
My credit is excellent and I am having really hard time getting explanation from Experian as to why is my XXXX with them so low, while it 's very high with other XXXX bureaus. I called and sent them a complaint letter but it is not resolved or explained. 

Please help. 

Thanks, XXXX XXXX
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC (MS)

I received a phone call from contract callers inc. Saying i had a XXXX insufficuent funds check from XX/XX/XXXX of {$370.00} that needed to be paid. They said the check was from XXXX and i have never had an account with this bank. I told the man must be a mistake because this is XX/XX/XXXX and if i owed XXXX money i would not still have phone service 7 years later. Must be a scam ... trying to get money over the phone ...
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (AZ)

On XX/XX/year> I attempted to pay {$6000.00} onto XXXX of my unsubisidized student loans on the Aidvantage website using a savings account. They gave me a confirmation number and I could see it was deducted from my total loan amount. But a week later I went to check and saw it had been " Reversed '' on the same date and there was no transaction or activity that it was ever attempted to be withdrawn from my account. I googled the issue and found THOUSANDS of other people with the exact same issue as I am dealing with.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX and XX/XX/2022 and 60 days late in XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-04-14
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. (FL)

I tried disputing a fraudulent account not just opened up by someone else but also reporting incorrect information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

I originally made a purchase at XXXX XXXX for XXXX amount. And i went in at XXXXcst stood in line until everyone was checked out. XXXX XXXX stated there was a problem with the payment ( at the time it had came out of my bank account & i still had an extra over $ XXXX ). I called my bank at XXXX cst to verify as to why my payment was popping up with a problem. They asked me to verify the purchase amount just to make sure we was talking about the same transactions. So i went to the app and immediately noticed {$4400.00} on pay anyone to XXXX  XXXX XXXX XXXX csg and another payment sent to XXXX  XXXX for {$490.00} done XXXX XXXX cst I told them i didnt do these transactions. They told me i had to because theres no way they can do it. but i was in line at XXXX XXXX not even on my phone paying attention to my surroundings.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (FL)

I obtained a credit card from Macys in XX/XX/XXXX. The credit card has been active until today ( XX/XX/XXXX ). Approximately 45 days ago, I received a letter in the mail from Macys, informing me of a " credit card protection service '' that I was enrolled in. That was the first time I heard of the enrollment. So I attempted to call the phone number provided as well as attempted to visit the website, however, I was unable to reach them. So I contacted Macys customer service who transferred me to this department. I informed them that this was the first time I was made aware of this and I wanted it stopped immediately. Additionally, any charges made to my account needed to be refunded because this was added to my account without full / appropriate disclosure. They immediately canceled it and indicated that they would submit a request for " investigation '' and I would receive a response within 30 days. This activity occurred on XX/XX/XXXX. Today, XX/XX/XXXX, I contacted them to follow up on my refund ( which should be a little over {$500.00} ). They informed me that they did not see the refund in the system and they needed to resubmit the request to the investigations department and I would need to wait an additional 30 days. I requested a transfer to the investigation department and they indicated that they were not able to transfer me, there was nobody I could speak to in order to resolve this issue and there was no escalation process. The person I spoke to was XXXX - the manager on duty. So, not only are they denying my refund for something I was enrolled in without my knowledge / full understanding / full disclosure, they have not provided a clear mechanism for which to address this issue.
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

I went to school for two years to  XXXX  different schools during this time. Originally I was supposed to only have to pay {$19000.00} after disbursement amounts it would have been around  XXXX  to {$25000.00}. Last year in  XXXX  I believe I 've got on the student debt relief program that the government created I am technically  XXXX  although not on  XXXX  I have struggled financially and every time I would get a bill after being on the debt relief program every month my bill was higher and higher now they claim I owe {$38000.00} I do n't understand how it went from what it was when I started going to school to  XXXX . I have attempted on many occasions to get information from them concerning the details of this loan they still refuse to give me details of every aspect of this loan when the dispersants were paid out what interest was charged what school they were paid out to what the date they were paid out to I have tried to get detailed information how many occasions so I can examine this and they have fought with me I even had a lawyer send them a letter and they sent me a statement in the mail but it still did not have the details that I was requesting. Every time I call them all they want to do is put me on forbearance. They tell me I 'm on forbearance and then I get a email or phone call shortly afterwards telling me that I have a payment due happens every time. I 'm just really sick and tired of them   XXXX   me around I get nowhere with them when I call them.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XXXX XXXX upon reviewing my credit report i read that XXXX XXXX is reporting a negative to both transunion and XXXX. I mailed a dispute letter via certified mail on XXXX XXXX to XXXX XXXX using the address from the Transunion report. Weeks later i recieved the letter back marked undeliverable unable to forward and the company moved 20 years ago. I mailed the copy of the envelope and letter to both experian and transunion requesting them to delete for improper reporting and practices on XXXX XXXX via cerified mail. XXXX responded with a letter stating " updated '' and giving me the correct address. I have not receive anything from Transunion and the remark still shows in my report.
Consumer complaint received 2016-04-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CT)

I had a car loan out with this company more than a few years ago. I was in an accident and the vehicle was totaled. I had full coverage insurance along with full gap coverage. I am now getting letters saying that I still owe this company money on said vehicle. I have called several times to find out what and why I owe them money. The first few years they where telling me it was unpaid deductable. Which according to the insurance company was not the case. I have recently called trying to get answers to have this resolved and they are now trying to tell me this is for unpaid payments from the time of the total till the claim was paid? I asked them to please show me when and how much the payments where for and to explain why and how much I owe. They are unable to furnish this. All they ca ngive me is a total of what thy say I owe. I want this to be removed. There is no way I can owe them anything. My insurance says it was paid and the gap should have covered the rest! Im at my end with this. Please help.
Consumer complaint received 2024-01-28
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX, a debt collector, inserted adverse information into my credit file. On XXXX XXXX, 2023, I dispatched a certified letter, invoking the Fair Debt Collection Practices Act ( FDCPA ), demanding validation of the debt. Despite a lapse of the statutory 30 days from receipt of my demand, they failed to validate the debt, thereby violating the FDCPA. On XX/XX/XXXX, I formally notified Experian of this violation via certified mail, urging them to remove the derogatory information reported by the debt collector. Regrettably, Experian refused to take action. Instead, they reiterated that they had contacted the debt collector and verified the debt 's association with me. Legally, Experian was obligated to expunge the derogatory information.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I transferred $ XXXX to my XXXX XXXX XXXX bank account on XX/XX/22. IT was approved and moved from my Wells Fargo account on XX/XX/22. After that point, I made nor authorized any further transfers from my wells Fargo account to my XXXX XXXX account. My Bank account XXXX after the approved and authorized transfer, made at my request, was approximately {$6900.00}. On XX/XX/22 Wells Fargo made two separate $ XXXX " transfers '' to my XXXX XXXX account. However, XXXX XXXX XXXX account shows zero pending transfers and zero transfer requests. My account balance on the night of XXXX was approximately negative $ XXXX. I called and tried to tell them I didn't authrozie or make these transfer requests. They told me all they could do was put in a claims dispute. 

On XX/XX/22 I went to a Wells Fargo Bank Branch. They had no record on one of the two $ XXXX transfers and no record of the negative balance in my account. My account now had a balance of XXXX and a plethora of overdraft fees ( which may or may not be waived depending on their investigation ). They told me they can not help me, they can not offer me a line of credit while I wait for their error to be resolved, and that all I could do was keep calling the XXXX number for updates. I Called the XXXX number again, and they told me they can not do anything to expedite the process, and the only way I could get updates on the claim was to constantly call the XXXX number or to wait for US postal mail to arrive at my house. 

I have XXXX ( or negative ) dollars in my account, with no relief, no customer service, and no answers. The best case scenario is I get my money and NO compensation after waiting for them to decide if they can do their due diligence in a 10-day period.
Consumer complaint received 2016-09-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I received a voice message this morning XXXX/XXXX/16 at my work place regarding some documents that will be forward to my workplace legal dept, payroll and myself to GARNISH MY WAGES ... I called the phone number that was left and it belongs to a law firm- XXXX and XXXX XXXX XXXX. The Rep stated this is an old account from XXXX 's. I had an account with XXXX 's but that has been paid more than 10 years ago. This is the first time I heard of XXXX trying to collect a debt I do not owe. I need a thorough investigation to be done as the account with XXXX 's has been paid off before they went out of business. The file # provided on the message was XXXX. Thank you for reviewing and stopping these scammers.
Consumer complaint received 2022-09-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc (GA)

and added a 30 day late to my credit profile in XXXX... .that supports that fact that I did not know of terms of any loan and I did not know of the first due date. I want this account updated to paid in full and the 30 day late to be removed. I paid this loan in full as soon as I learned that this was a loan and what the terms was.
Consumer complaint received 2017-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I received a call from IQ Data at work from XXXX. She was very rude and broke every collection practice. I called back to speak to supervisor and the agent transferred me back to XXXX. I will be seeking a lawsuit against the company for collection practice.
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (FL)

Me and my husband had this Wells Fargo credit card in 2002. Myhusband made his payments on the card until he loss his job. Theyoffered us an settlement offer of 4 payments. I made all of mypayments on time. The very last payment I made was on time, butthey did n't process it until the next day. So the customer servicerep. to me I was late on my payment, so they was n't going to honorthe offer. I told them I made my payment on time. He said, '' Well we did n't get it on time, so your late and the payment offeris no longer good. '' I also tried to get the information from my bankto use but it has been more than 7 years the bank do n't have theinformation. I do n't owe them anything at all. I made my payments asagreed and they did n't keep there arrangement. The balance is XXXX. 
They put it on my credit as if I never made a payment and so forth. 
Now they have XXXX XXXX XXXX reporting there information. Thisdebt is more than 13 years old. They still manage to sell info to XXXXto resubmit it on my credit.
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The company, " Portfolio Recovery Associates '', has been calling repeatedly for almost one year now. In reviewing, we have found no affiliation with this company and can not ascertain the need for them to continue calling our number. Despite a letter sent to them requesting that they stop calling, we received a call on Sunday afternoon, ( XX/XX/2018 ). This has become harassing and they simply need to stop.
Consumer complaint received 2016-10-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I contacted this creditor on their secure login site and asked what a XXXX debt was about as i found it on my credit report. i requested complete verification of the debt to be mailed to me. A week later it no longer showed on my credit report. 
Now I check again and it lists a new debt, with a Open date as of XX/XX/2016. This is around the time i disputed it. This is completely fraudulent. 

It is for XXXX and I have not been to any doctor in YEARS!. 

This new " collection '' brought down my credit rating and fico score.
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Credit determination — 
Company: Army and Air Force Exchange Service (TX)

I 'm being wage garnished and I 'm XXXX XXXX and need the money. The exchange credit company is garnishing my check that I need to purchase medical supplies, medications, and hospital bills. I need the money for the situation I 'm in from sustained XXXX from XXXX XXXX as a soldier. I remember paying my bills before seperation from the XXXX. This garnishment has n't noticed me or have contacted me about the credit card bill. I canceled it before leaving.g the XXXX. I do n't know how much I owe or how a balance was made. I do n't know anything but missing Social Security XXXX insurance money as they said exchange services have made this garnishment. I do n't know how to settle pr pay this bill. It 's a suprise and the money for my current bills sustaining my health currently can not be paid due to the exchange discriminating my XXXX.
Consumer complaint received 2015-10-13
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (FL)

I am a victim of identity theft, I have filed a police report and a signed affidavit, someone received a loan on my name without my consent or knowledge with Volvo Finance, I have forwarded all the necessary documents to them and they are ignoring me and giving me the run around.
Consumer complaint received 2016-01-26
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (ID)

I opened a checking account with Wells Fargo and was told in order to open a new account I would have to open a savings account with {$25.00}. So I did this. A few months later I noticed that my balance had decreased. Wells Fargo had been taking a monthly service charge. 
I had not been informed of any service charge at all on my new savings account when I opened it. I called Wells Fargo and they agreed to reverse the service charge but I had to comply with XXXX of XXXX options so I would no longer have a service charge. The option I chose was to main- tain a {$300.00} balance. I transferred {$300.00} to the savings bringing the total amount to {$320.00}. Today I noticed again they took out a service charge even though I was compliant with the rules. I am so tired of Wells Fargo sneaking fees from me. They have done this years ago to me only our balance was {$1000.00} but since we had no activity for 12 months so they service charged us. We also were not aware of that rule.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (PA)

I have had issues with the proper reporting of my home mortgage. My credit report is not correct and I was told it would take 30 days to correct. This has been going on for months now. Please reflect an open BB & T mortgage with XXXX late payments
Consumer complaint received 2016-02-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

I was checking my existing report on what I owe. I just notice a cmre finance service was listed out of nowhere. This was added and I never got any report on them and just saw I had a balance! Balance of what? This needs to be corrected.