davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NY)

In XX/XX/2021 a purchase was made from XXXX in the amount of {$430.00} and financed using Affirm. The purchase was received and returned to XXXX. XX/XX/2021 XXXX issued a refund for {$110.00} and XX/XX/2021 for the amount of {$79.00}. After noticing a overdue balance with my affirm account For the amount of {$140.00}. I contacted XXXX. After numerous calls wayfair was able to locate and correct the issues. Then I checked my affirm account again and realized that I still have an overdue balance. I have contacted Affirm numerous times and spoke to supervisors I even sent Affirm a statement provided to me by XXXX and my account still shows an overdue Balance. On XX/XX/2021, XXXX called me to check on this issue and after I explained to her the issue still exists she called affirm with me on the line and a supervisor told her there is still an overdue balance. We couldn't believe it even with the statement from XXXX Affirm is still saying I owe money. Not to mention the emails I get from affirm stating my account is overdue is stressful.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

On XXXX/XXXX/2017 I requested a balance transfer offer online for two credit accounts at the same time for the same offer. The transfer fee was 2 %. Both transfers were fulfilled on the same day but only one of them was charged at 2 % ( {$2000.00} amount transferred - {$40.00} fee ), the other transfer was 3 % ( {$3000.00} amount transferred - {$90.00} fee ). I was over charged {$30.00}. I sent a secure email when I received my statement and never got a response back from the bank. I just got off a call with Chase call center and at first was told I could not be helped because " you must have selected a different offer '' and " I really ca n't see what you did because you did it online ''. After I pressed the agent and explained I actually entered both transactions under same offer - in fact I do n't even remember two offers. The agent told me there must have been multiple offers because on expires a month earlier than the other offer. 
On the balance transfer screen, you select the offer go another screen enter the account number # you want to transfer and the amount - when you 're done, is you have another transaction, you continue and enter another account # and amount. That 's what I did. I was expecting 2 % fee on both of these transactions not 2 % on one and 3 % on the higher transaction. The agent said she could provide a credit but needed to talk to the " fee '' team put me on old and came back about two minutes later and she could not help - and said the fee team said " what 's done is done ''. I tried to tell her the problem more than likely was a processing problem with the online system to no avial. I am more than willing to pay advertised fees but an unadvertised unwanted fee of 3 % is not right - the problem was on their end of the ransaction - not mine - and to imply that Chase never has systems problems or issues with fees is just not true.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (FL)

This is another complaint regarding abusive fee practices by PNC Bank. I have been told them not to push thru payments when there is no enough money in the account. PNC keep doing it. They did it again on XXXX/XXXX/XXXX. I got an overdraft fee for {$36.00}. My paycheck is still not clear in the account, although it was supposed to show on XXXX/XXXX/XXXX. PNC is holding the payment transfer so they can charge fees again. 

I am concerned that with the new direction of the CFPB, consumers are going to be screwed again like we were before the agency was created. 

I would like the overdraft fees ( I had another overdraft that needs to be reversed from XXXX ) reversed. 

They are already charging a maintenance fee of {$15.00} every month, which I found abusive. 

I want these matters resolved, fees reversed. 

Sincerely,
Consumer complaint received 2024-01-30
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2017-12-10
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. (OH)

In 2015 I agreed to a debt consolidation with XX/XX/XXXX for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts. 

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the XXXX to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )
Consumer complaint received 2017-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BOEING EMPLOYEES CREDIT UNION (WA)

In 2017, BECU has had countless planned and unplanned outages with the banking platform. Outages that have included that inability to use a debit card. The outages impact areas like reviewing accounts, transferring funds, paying bills, paying for groceries, and so on.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

I have money in my account and have not been able to get it out for going on about 2 months now. They took my money by letting me link a credit card, but they will not allow me to link a bank account. First - they made test deposits but then their app kept saying the amount I entered was not correct. Then I removed my bank account to start the process over, and have never received any more verification deposits. 

My money ( ~800 ) is stuck in Coinbase with no way for me to get it out ...
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I am having an issue with Coinbase and was advised to reach out to you guys as a lot of people have been getting issues resolved when going through CFPD. 

I initiated a withdraw from my CoinBase account on XX/XX/XXXX to my Bank Account ( Please see attached screenshot ). Coinbase said I should received the funds on the XX/XX/XXXX. It is now XX/XX/XXXX and still no funds in my bank account. Transaction is still showing as " pending '' on their website. 

I have reached out multiple times to CB support. Got a reply 3 days later from the first time I reached out to them. They asked for information that I had ALREADY provided to them initially. Seems like they are stalling, trying to buy time, or just ignore their customers. Upon my follow up email I still have n't received another reply from them and its been 2 weeks since then ... 

Please review my case and please help me! Thank you
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$4300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$810.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/scrub>XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2020-04-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (AK)

I used XXXX to try to transfer money from a XXXX XXXX  to a XXXX bank account - both owned by me. 
After putting in all of the information, it said my XXXX XXXX  would not comply.
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was told that I could get a free copy of my credit report every year, but TransUnion refuses to give me one. 

I noticed fraud on my XXXX and XXXX credit reports, so I called the loan company and the police. The police asked me to bring all three credit reports when filing a police report. I also wanted to see if the fraud was shown on my TransUnion credit report. When I tried to view my free TransUnion credit report, I was unable to do so. Instead, I was directed to a website that charged me {$20.00} for " credit monitoring '' ( not what I am complaining about ). I was on the phone with Trans Union until my cell phone battery died, but I was still unable to get my free credit report. I was told  that it would be 37-100 days ( at a minimum ) until the credit report would be available. 

I will also be asking the local law enforcement to contact TransUnion directly to see if they can get the information that I was denied.
Consumer complaint received 2018-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

There are items reported on my credit report that are prohibiting me from gaining access to credit. 

XXXX XXXX is reporting a XXXX XXXX collection to XXXX, XXXX and XXXX stating I opened an account in XX/XX/XXXX. They continue to report derogatory conditions as recently as XX/XX/XXXX ; derogatory reporting for a debt I know nothing about. I have received ZERO paperwork from XXXX XXXX or XXXX XXXX about this which is a clear violation of the Fair Credit Reporting Act. This item should be removed from my credit profile.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (MS)

I have sent multiple disputes in with Equifax in regards to their company simply listing a number as the account holder and not providing any details or information in regards to who the alleged owner is of the debt in question or anything. The entire role of the credit reporting agencies is to provide accurate and fair information for consumers and their reports. Equifax has failed to assist me in finding out who these individuals are who claim to own these debts in question.
Consumer complaint received 2017-12-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I Filed a dispute with Experian regarding me being a victim of identity theft, filed a police report, sent them my id, address, info regarding the identity theft ( the items that are fraudulent were circled on my report, they refused to remove said items from my report according to the fair credit reporting act section 605B, instead they send me a letter saying that my request for a block or deleting said items were either made in error or based on material misrepresentation, or I knowingly obtained these said goods or services. All above they determined are false and I demand these items be removed/deleted from my file as section 605B so states.These are fraudulent items that I discovered on my credit file a direct cause of the identity theft I sustained and demand they be removed or I will be forced to file a court action if they are not removed immediately.
Consumer complaint received 2017-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (VA)

I have been blacklisted on XXXX, a cryptocurrency exchange, for trying to use my debit card to make a purchase. Wells Fargo, for whatever reason, flagged my activity on the site as fraudulent behavior and rejected my purchase. Now my card is blacklisted on the site. This would not be as big of an issue if XXXX was n't one of the only legal US cryptocurrency exchanges. XXXX is doing their job and keeping their customers best interests in mind to protect them from scammers. Wells Fargo is acting outside of their domain and interfering with legal personal activities in which they do not have the right or jurisdiction to do so.
Consumer complaint received 2020-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (CO)

I have a C/O on XXXX, XXXX, and XXXX for AAFES/ Miltary Star Card . I wrote a debt verification letter to both the creditor ( AAFES ) and the collection ( XXXX ) and sent if certified mail. I received a letter back from AAFES for an account that is not my name associated with an address I've never lived at. Do you know how many XXXX XXXX 's there are? I never heard back from XXXX. I have also disputed with all three credit agencies and they all " verified '' the information but how can that be when this debt is not mine?
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (PA)

This complaint against CREDCO has left Unautorized hard inquiry on my credit after reviewed and i already left fraud alert with three credit bureaus companies in the US on XXXX CREDCO Mortgage Reporters Inquiry date : XX/XX/2018 CREDCO Mortgage Reporters Inquiry date : XX/XX/2018 2018
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: JPMORGAN CHASE & CO. (CA)

These ppl are XXXX of the earth I faxed over mailed copies of my SSN card driver license number card and utility bill iny name they still can't verify me let alone obtain annual credit report
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (VA)

I saw your recent lawsuit involving Navient. I am currently in disagreement with them regarding loans ( XXXX ) that i allegedly co-signed with an electronic signature. I did not electronically sign any student loan, nor did I have the ability to at the time they allege I did. On XXXX of the dates I was serving in XXXX, I know I did n't sign from there. I asked them for proof and they sent me loan agreements with my first name typewritten on the signature line. Further proof, they can not provide. Are there standards that private organizations must adhere to regarding electronic signatures? 
I am retired XXXX XXXX and a Full time XXXX XXXX XXXX.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed a complaint with you guys already and also last Sunday I already called capital one even sent them a file with a tracking number shipping label to let them know I already sent the item back to the merchant to remove a rebilled charge that was in dispute to prove to capital one that the item is out o f my possession and has been returned and still they aren't doing any progress on there behalf in getting this charge off my current credit card balance the company is not contacting me at all and when I call I can not get through the line to anyone I have already filed a dispute with you guys the other day to get through to them and still nothing there office hasn't contacted me yet and also they were supposed to send me some forms on there end for me to fill out in writing for the disputed charge in which they also never mailed me can you please contact them and let them know I never gotten any forms by mail from them to fill out and return I have proof that I sent the item back that should be enough to get this charge off my credit card balance I even called them and told them even emailed them a tracking number the item and still they aren't responding to me by mail or by phone call this needs to be looked into because they aren't doing anything about it
Consumer complaint received 2016-10-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been working with the servicer of my second mortgage since XX/XX/2016. They have requested the same documents over and over. I have submitted everything that they asked for with no results. I am not trying to avoid paying the debt. I just want some relief as far as the interest rate ; 9.375
Consumer complaint received 2018-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (TX)

I was late ONE TIME, by ONE DAY, and Citi has increased my interest rate from 14.49 to 29.99!! ONE DAY LATE! When I called in, they indicated that they wouldn't do a thing for me for six months. This is UNACCEPTABLE! This kind of financial terrorism should not be allowed by Banks. It's completely unreasonable and I want this adjusted back, immediately.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NV)

They would n't let me lower my payment and said it would go into automatic default if my dad died. They kept putting it in Forbearance instead of lowering my payment like they said. I 'm about to default. I kept asking for a lower payment but they said they could n't do it until the past due was caught up but they gave me no way to do that. I offered to send what I could but they told me not to bother because it did n't matter. My dad died a over a year ago and I 'm scared to call them.
Consumer complaint received 2016-03-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (AZ)

I had making payments to another Chase banking client via Chase Quickpay for a motorcycle payment. The recipient of thee funds were not paying the note and stealing the money. I had called customer claims and disputed these transactions on their internal advice that this was fraud. Only to have the credit reversed and my account in debt and sent to collections. The biggest act of fraud was done by Chase. I will pursue a lawsuit for these actions if not reconciled.