davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (FL)

I have a problem between XXXX and Chase Bank, one of them is stealing money, I DON'T KNOW WHICH IS RIGHT BECAUSE THEY BLAME EACH OTHER. On XX/XX/XXXX I made an online purchase of {$500.00} in XXXX XXXX through XXXX with my Chase Bank credit card ending in XXXX. That purchase number XXXX I never went to pick it up and then as I saw that XXXX XXXX had not me I returned the money then I asked XXXX AND CHASE BANK a dispute AT THE SAME TIME so that they would refund my money of {$500.00}. Then Chase Bank sent me the money back and XXXX as well ( they both gave me back {$500.00} ), when CHASE BANK saw that I had received twice the refund money for my disputes for the same transaction, CHASE THEN DECIDED to then charge me again {$500.00} ( you can see this with the word REBILL of {$500.00} on the CHASE BANK statement of the card ending in XXXX ATTACHMENT TO ALL DOCUMENTS AND PROOF ). AND THERE THE ENTIRE PROBLEM BEGAN!!, XXXX sent {$500.00} twice to the CHASE bank ( that is, to my credit card account ), and now XXXX is charging ME the double money they paid to my account, BUT THE BIG PROBLEM ES : I DON'T HAVE THAT DOUBLE PAYMENT!!! WHY??? BECAUSE THE CHASE BANK TOOK IT OFF IN A REBILL IN MY CREDIT CARD CHARGING ME AGAIN {$50000.00}, AND YOU CAN SEE IT AT THE ATTACHED LETTER IT SAYS THAT CHASE BANK CLOSED THE CASE AND THE DUPLICATE PAYMENT THAT THEY MADE TO ME, THEY TAKEN IT FROM ME, AND SENT IT TO XXXX???? THEY SAID ME THAT THEY SENT IT TO XXXX???? BUT XXXX is saying that THEY DON'T HAVE THE MONEY THAT CHASE BANK SUPPOSEDLY SENT THEM RETURN THE {$500.00} REBILLED TO ME. SO XXXX IS NOW CHARGING ME {$500.00} which they said they are going to send to COLLECTION because they said that CHASE BANK HAVE NOT SENT ANY MONEY OR LETTER TO THEM CLOSING THE CASE, AND CHASE BANK TOLD ME : THEY SENT THE MONEY AND THEY SENT THEM A LETTER CLOSING THE CASE, THEN WHO IS TELLING ME A LIE???? WHO DOES HAVE THE MONEY AND WHO DOESN'T???? BECAUSE THE CHASE TOOK THE MONEY TO SEND IT TO XXXX AND NOW XXXX IS CHARGING ME THE MONEY. 
SO THIS SITUATION IS PRETTY UNCONFORTABLE BECAUSE I DONT HAVE ACCESS FOR THE SYSTEM OF THIS TWO BANKS.
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (VA)

My issue is with Coinbase. I have an account with them and have bought thousands of dollars worth of Cryptocurrency. I saw an authorized deduction from my bank account for the amount of {$1000.00}, so I submitted a Helpdesk ticket on XX/XX/XXXX on Coinbase.com per their instructions. After I submitted the ticket, the money magically appeared in my Coinbase Wallet, not sure if they put it back or it was glitch in the system. They proceeded to lock me out of my account and now I ca n't access my account that has thousands of dollars in it. I have tried calling them every week since then and I get the same response, someone is working on it. They wo n't let me transfer my money or take it out, or close out the account. They are basically holding my money hostage.
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Two paid medical accounts from XX/XX/2015 were reported in error and the reporter, XXXX XXXX, agreed to fix asap and tell both CRAs, TransUnion & XX/XX/XXXX, to delete the information. Instead, my credit monitoring services have repeatedly alerted me that my credit scores at TransUnion and XX/XX/XXXXhave dropped dramatically as a result of this mis-information and is currently being reported. 

I disputed the information with XX/XX/XXXXbut TransUnion 's online site will not let me dispute it. I called XXXX XXXX and had them fax me letters documenting the accounts were paid and that the information should be immediately deleted from both TransUnion and XX/XX/XXXX. The documentation from XXXX is attached. 

I want TransUnion and XX/XX/XXXXto delete the information immediately and update my scores.
Consumer complaint received 2022-01-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Full Advance LLC (IN)

I took out a loan short term for XXXX which I ended up getting XXXX when you get loan they charge a XXXX funding fee and a fee to transfer to your account via ach. your suppose to have a payment took out weekly for XXXX ( 9 payments ) which I asked them about and that is what they said. It is charged to your debit card. So my first payment was due 2 days after loan which I thought was odd XX/XX/XXXX. Then they try charging my card on Monday, Wednesday, and friday. I always leave my card lock so I do not get unauthorized charges. So they text me said my payment did not go through on Tuesday so I unlocked card and they charge me XXXX on XX/XX/XXXX. Then I get a text message XX/XX/XXXX my payment did not go through, cause again I lock my card. I thought ok this is for this weeks payment. So I unlock on XX/XX/XXXX and pay XXXX again. Then I get a text on XX/XX/XXXX my payment no go through, cause card is locked, and I text them back why you charging me again this week. They said they charge payments to payback the XXXX I borrowed 3 days a week. So they are expecting for me to make 3 payments a week for 3 weeks and I said you never mention this to me before. If I had know I would never have borrowed the money. So they sent me a link https : //fulladvances.com/our-process and when I read it, it does not stay they charge you three days a week, it states they process payments on Monday, Wednesday, and friday, misleading making you think your payment is due on one of these day. I have never ever heard of a lender charging 3 payments a week and also a XXXX funding/processing fee and ach transfer fee. this needs looked into
Consumer complaint received 2020-10-13
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: Bread Financial Holdings, Inc. (FL)

I made payment and paid off all my credit cards. I spoke to the company and they assured me everything was good since I had made a payment plan due to covid. After I paid them off without notice they completely took down my credit limit, closed my cards and didnt report the payments to the credit agency. This has caused my credit score to lower a lot and no changes have been made. There action have greatly affected my score and I had spoken to the company and credit agency such as XXXX, etc and I was assured my credit score was fine and my standing with the company was fine and it turns out it was all a lie and now they don't want to help whatsoever.
Consumer complaint received 2023-04-04
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (FL)

Results of my dispute were mailed to me via USPS indicating that my dispute had resulted in 7 items being deleted from my credit report, as indicated in attached file. 

Items are still appearing on my credit report 4 months later and Equifax phone operators place me in a permanent phone loop, leaving me on hold for hours
Consumer complaint received 2020-10-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (OR)

We received a letter in the mail from XXXX XXXX XXXX, XXXX/LoanCare dated XX/XX/XXXX. 
It stated that " FHA has recently announced new options for customers ' existing forbearance '', they had listed FHA COVID-19 partial claim and COVID-19 Loan Modification. It stated " These options do not require that you submit documentation for review, but we must speak with you first to begin the review process ''. On  XX/XX/XXXX, we called XXXX XXXX XXXX, XXXX/LoanCare at XXXX, to speak with them to apply, My husband talked to the representative and applied for the FHA COVID-19 Loan Modification, this required no paperwork the representative just needed to ask a set of questions. We answered these with the rep, then the rep said that is all they needed and that it needed to be reviewed by next department and then we would find out if approved  or not. Per the letter, approval of the FHA COVID-19 Loan Modification could take up to 10 days, but could be less. We heard back from no one for a week. We called back XXXX XXXX XXXX, XXXX/LoanCare at XXXX on XX/XX/XXXX. 14 days after it was submitted, this was overdue in the 10 days or less they said it should take. This day they transferred our call to the Loss Mitigation Department. The Representative in the Loss Mitigation Department told us that the notes in her computer say it was started but not completed so she completed it while we were on the phone, and put n a request to Loss Mitigation area that reviews to check our request. Then we heard nothing. Today, XX/XX/XXXX, we called XXXX XXXX XXXX, XXXX/LoanCare at XXXX. Got transferred to the Loss Mitigation Department. The representative that answered said that we have no application started and we needed to file that out and submit paperwork. We told her that we didn't need to do that as we have already been through the steps per the letter and we want to know when the approval is going to be  done. It should have been done 10 days after XX/XX/XXXX, we are now going on 24 days with hearing nothing. The representative was not very professional she got louder and she just kept saying that we need to apply and we have done nothing to try to apply. We asked for a manager ad she would not transfer us. The then hung up on us.

We need this approval to be completed. We did all that we were told to do for the FHA COVID-19 Loan Modification. Our Forbearance is  running out on XX/XX/XXXX. We were forced to extend our Forbearance to cover us for now until the FHA COVID-19 Loan Modification processes.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc. (TX)

I reached out to National Credit Systems on XX/XX/2021, and requested that they remove the account on my consumer report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove this account. The reasons I was given is their need to contact the " original creditor '' in order to validate the inquiry. I informed the last representative that NCS was in violation of a United States Code and was told that I needed to contact the original creditor to request removal. 

NCS is in violation of the following United States Codes ( as well as others ) : Title 15 USC 1681b - Permissible purpose of consumer reports Title 15 USC 1692b Acquisition of Location Information
Consumer complaint received 2021-04-27
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: Experian Information Solutions Inc. (FL)

I recently wrote you on XX/XX/2021 in regards to erroneous items on my report and I have yet to here back from you. It's been well over the 30 days, and as stated in Section 611 ( a ) of the FCRA, failure to investigate disputed items within 30 days leads to deletion of items. I'm looking forward to these disputed items to be deleted immediately or I plan to file litigation for the stress that's been caused against me. My information was also impacted by the XXXX Data breach, and may have got into the wrong hands and person.
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unity Asset Management (CA)

The last three days, from XX/XX/21, I've received calls and voicemails from : XXXX XXXX XXXX, XXXX on dial-back from XXXX XXXX # XXXX for a XXXX XXXX XXXX for privacy. 

I called back and got 112 's vmail so left her a msg, " I am not this guy, I don't know who he is or where he is. This is my number and you have it wrong. Please stop calling. 

I called you back as a courtesy to help you and XXXX XXXX XXXX mostly, to avoid delaying his " matter. '' So, next day five calls so I called and XXXX had " just left. '' I'm the manager. Tell XXXX to stop calling here. 

Next day now five calls. Forget you. I'm filing a complaint with various agencies that this is unacceptable namely : FTC, Consumer Financial Protection Bureau at XXXX, CA XXXX Attorney General, XXXX,
Consumer complaint received 2021-07-21
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. (NV)

I previously submitted a complaint for Equifax not reporting my credit score properly. That issue was resolved and miraculously they added XXXX  points to my credit score when the changes at that time we're to account balance is going up. Now once again they show me paying off a card and one card increasing for less than the amount of the car that I paid off and they drop me XXXX points again. I had to submit a complaint before and after the second complaint they resolve this issue but now the issue has returned. There is no logical reasoning that I pay off an account and my credit score decreases but I use a card in the amount due on those cards increase in my credit score increases. There is something clearly wrong and Equifax the system when it comes to my credit reporting and this needs to be completed and fixed immediately. THE ISSUE IS EQUIFAX IS IMPROPERLY REPORTING AND SUBJECTING MY SCORE TO INVALID POINT DROPS WITH NO EXPLANATION. OR THE EXPLANATION IS A NEGATIVE ACCOUNT REMOVAL AND PAYING DOWN CREDIT BALANCES RESULTS IN A NEGATIVE POINT DROP!! THEY NEED TO FIX THIS NOW. I have called several times to no avail again. So I am hoping that you can assist with a resolution.
Consumer complaint received 2019-11-07
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. (CO)

Equifax and XXXX  are reporting incorrectly a current balance due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. XXXX  is reporting correctly on this account. I have attached a copy of payment statements to XXXX XXXX. This false reporting of a balance due is harming my credit report and these line items need to report accurate information. I have contacted the ( 2 ) bureaus to resolve this however, I have not been successful.
Consumer complaint received 2017-11-13
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: U.S. BANCORP (CA)

In XX/XX/XXXX and XX/XX/XXXX my bank account was hacked into a card was cloned and while in XXXX XXXX money was taken from ATMs across this XXXX XXXX area. US Bank took more than 92 days to investigate the issue in the into room since it is driven my account negative and caused widespread late payments and current bills affecting my credit they then reported me to XXXX even though I was a documented victim of fraud for account abuse. 

That inaccurate and irresponsible reporting of the debt owed to US Bank which was then later decided to be fraud in my favor its kept me from being able to do any normal banking.
Consumer complaint received 2017-11-13
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. (FL)

I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I had a multiple loan installments or just multiple loans with my servicer Mohela, I fully paid 3 of my loans on XX/XX/XXXX and in one of them I overpaid and currently have a negative balance XXXX . I called 3 times asking for a reimbursement of that balance the first time they said that 60 days have to happen to process that credit, after 60 days I called two times and told me that the credit will be processed and reapply for a remaining loan. Currently on the loan where my balance is XXXX $ is stating that I have to pay XXXX on XX/XX/XXXX, I don't understand where is this balance coming from on a fully paid ( or overpaid loan ). 
I have a clear history of payments provided by Mohela, the loan servicer, but they do not provide a clear history statement on past months that can help explain this balance the servicer want to charge me. 
Is my clear understanding the servicer is making a mistake on charging me XXXX $ to be deducted on XX/XX/XXXX and also is a clear mistake to not reimburse the credit.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (MI)

According to the fair debt collection practice act the collector is required to send notice of written debt validation within 5 days of the first contact. Choice recovery failed to comply they also failed to validate my debt after I sent them a debt validation letter. I spoke with a supervisor XXXX XXXX a XXXX XX/XX/XXXX who I informed that I replied within 30 days to the invoice sent with a debt validation request and I have received no information so why are you reporting to my credit. XXXX stated they have 45 days I then stated ok I mailed the debt validation within the time frame, he stated he did not know the date on the letter that I sent but they did receive it. I asked to talk to someone who could view the date he would not transfer me. This company does not follow rules or laws there XXXX communication to me was XX/XX/XXXX and it was a bill/invoice they NEVER followed up within XXXX business days and sent a debt validation letter. I am still waiting for the validation after my request/
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SG and Associates (AZ)

A company by the name of Stafford and Associates I googled the name and all of the people I spoke with where mentioned in other people 's complaints. They demanded I give them a debit or credit card for money I owed to XXXX XXXX from 2015. They have no website or any way to verify who they are. The name they go by is Stafford and Associates. There number is XXXX ask for XXXX he is the manager. If you XXXX  the number you will see what I mean. Thank you. 

I called XXXX XXXX after I got off the phone to verify there status with them, they never heard of them and they dont use them, case closed!!!
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

In XXXX of XXXX i noticed & immediately reported XXXX fraud charges on my debit card apparently made via XXXX as well as XXXX XXXX withdrawal also not from myself. Keybank then advised me to close the checking account entirely as someone clearly had full access to it, which i did. I then waited XXXX weeks for my money to be reimbursed to my account as i was told the fraud needed to be investigated. I eventually got the {$180.00} in paypal transactions as well as the {$50.00} XXXX XXXX refunded. Nearly 3 months later at the end of XX/XX/XXXX I saw the same XXXX transactions removed from my now new checking account. When i called to report this thinking it was fraud again Keybank told me they had redone their investigation & essentially decided i lied & took back my money they had reimbursed me. I immediately reopened this claim. Its now been over XXXX weeks & i have heard nothing from Keybank & nobody can give me answers when i ask.
Consumer complaint received 2021-08-13
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. (CA)

Transunion showing two medical collections listed by XXXX for {$780.00} and {$500.00} XXXX stated to me that the collections submitted by XXXX to them was for x spouse and do not belong to me i was not the patient I spoke To accounting at XXXX XXXX who stated she could not call XXXX to tell them the bills did not belong to me however XXXX says they cant remove unless XXXX calls them as they couldnt verify I was really XXXX XXXX even though XXXX stated i was not the patient they still needed XXXX to call XXXX said finally said they would call to remove but haven't i have disputed with Transunion but they still have not removed these two accounts.