davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
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: Bread Financial Holdings, Inc. (CA)

I communicated in good faith multiple times with Comenity I was not receiving my card. They offered to send a new one ( again ) multiple times and I explained that would not help, and I suspected my mail was caught in some sort of forwarding loop, because Id been seeing other parcels with multiple forwarding stickers, arrive months late. On the third time I called, I asked them to please XXXX the card to me directly, because Id been spent numerous hours trying to resolve the forwarding issue with the post office and was still having mail delays. They refused to XXXX the card, and I said Ok, if you wont send me my card after Ive called twice to explain the issue, Im closing my account immediately. This was XX/XX/XXXX. I paid off the balance and any fees at the time and believed I was doneat this point I was really frustrated, by the refusal to send the card ( a request readily obliged by other cards ) by XXXX, and the ongoing underlying issue with the post office. When I closed out they didnt mention that since my due date was XX/XX/XXXX, that any late fee ( because I still had no card, and paid on XX/XX/XXXX ), wouldnt show up until the following billing cycle. I had already spent hours on the phone trying to clear this up, and when I saw I was being charged AGAIN for a card I NEVER received, my lid nearly popped. Not my finest hour, and I suppose I was filled with righteous indignation. Apologies to whomever I spoke to that day. 

Im not an irresponsible XXXX pay my debts, and am diligent and courteous, and its not about the amount there was no customer service and no willingness on comenitys part to try and find a reasonable solution to a simple external problem. 
Funny enough The card did arrive two months ago, with the wrong address, and multiple forward stickers. This process has been tedious and infuriating. 

Sincerely, XXXX
Consumer complaint received 2021-08-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This account was reported collection/charge-off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was chargeoff. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due to balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation.
Consumer complaint received 2021-06-02
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: CITIBANK, N.A. (CT)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DSNB MACYS Account Number : XXXX This is not mine.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX and there is XXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I demand that these items be investigated and removed from my report. It is my understanding that the bureau will recheck these items with the creditor who has posted them. Any information that the creditor can not verify must be deleted I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter its been well over six months. The following information are incorrect. I would like it removed from my credit history report DEPTEDXXXX  Account Number : Please correct/update this inaccurate information on my credit report. 
2. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number : This account is inaccurate 3. FDCPA Section 807 violations misleading false report DEPT OF ED/XXXX Account Number : This account is inaccurate 4. FDCPA Section 807 violations misleading false report DEPT OF EDUCATION/XXXX  Account Number : This account is inaccurate and 5. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number :.

These account are inaccurate The following information has not been verified and, following failure to verify, deleted from the report as soon as possible these accounts are deed in vilation remove immediately. Stop updating Delete and Remove Inacurate reporting now. 

I have address misspell names open and closed reporting dates and so much violation to many name.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

I have been trying to cancel an American Express credit card for 18 months but keep getting charged additional fees and penalties since then. 
On XX/XX/20, I contacted American Express by phone and requested the account be closed. 
The Cardmember Agreement clearly says, " You may close your Account by calling us or writing to us. '' However, AmEx did not close the account but continues to charge fees, interest and penalties, currently totaling {$620.00}. They have referred the matter to a collection agency, XXXX, who is harassing me about payment. 
In multiple calls I have made to try to resolve this issue, agents claim incorrectly that closing accounts must be done in writing, contradicting the " Cardmember Agreement. ''
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

Iam a XXXX XXXX that received a XXXX award from my job on XXXX. I went to chase bank on XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to cash or deposit the check on XX/XX/2024. When I first arrived I approached the teller I requested to cash the check because one the check was drawn on chase and also I have a Chase checking and auto account. The teller said I can cash the check with no problem, then an assistant XXXX came from the back looked at me in disgust then proceed to say she can only release XXXX of the check and the rest have to be deposited. This was no problem to me. As the teller was depositing the check she says that its a hold on the check I ask why? IT Was a XXXX check drawn on chase bank. She had no answer. She told me to sit with the manager, I asked why its uneccesary all I wanted to do was deposit my check that I waited XXXX XXXX years for. The manager starts to pull up my account asking why I don't get direct deposit etc all of these questions are uneccesary for a consumer to deposit their check rightfully. He then say he can't deposit my check, I asked why he say refer to the maker. My check had a stub attached t it to explain what the check is for, the number to verify it and etc. He refused to verify the check and gave it back to me saying he can't accept it. I called my XXXX, and the XXXX XXXX  of XXXX to see why I couldn't deposit the check, they informed that the check is good and its nothing wrong with it. The XXXX XXXX ask chase why they accept my check and they couldn't give an answer. it is very clear I was being discriminated against and I want answers!
Consumer complaint received 2021-06-02
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)

Upon inspection of my credit report I noticed the following collection account information to be fraudulent and need to be deleted from my file. 

Account Name : Account Number : Account Date : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX these addresses as they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting bankruptcy in my credit report. The information its incorrect. The address that the bankruptcy its being report its different. I dont have such a public record in the other two credit Bureaus. The reason of this inaccuracy its because my name is very common.
Consumer complaint received 2021-02-07
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: LD Holdings Group, LLC (VA)

Loan depote placed a late payment on my credit report during my forbearance plan I started my forbearance in XXXX  of 2020 and six months plan it would end in XXXX of 2020 After sending a letter of there error stating that I do not half to do anything that they would fix there error and now Im trying to refinance with another mortgage company and they will not do a refinance until the late payment gets taking off my credit report its still there is it against the law to place a late payment on a forbearance
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, as violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). It's due to the fact that there are irregularities in my consumer report, It's compelling and greatly damages my reputation as a consumer. I do hope that these things will be taken care of.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Hello im writing this complaint because I looked at my credit report and noticed some accounts reporting that shouldn't be. im well aware of my consumer rights as I am federally protected from bureaus put together to create an elaborate mechanism to ruin my reputation. due to poor credit i am paying hundred of more on interest than I should be. please help me stop these bureaus from reporting accounts they shouldn't be pursuant title 15 chapter 41.
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IN)

I recently received notice that due to inactivity of my account. The lender plans on closing out the account on XX/XX/2016. I've been planning to soon refinance my home however if they take this action. This will negatively impact my current Fico score in turn financially hurting me. The better my score the better my rate. I have never misused or been late with any of my accounts and I have many.
Consumer complaint received 2021-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I received the attached letters on the same day XX/XX/2021 BOTH in a non post dated envelope -- from WF Escrow showing I have a shortage and new pmt as I dont understand how I have a {$1900.00} shortage and payment stays almost the same? XXXX XXXX as of XX/XX/2021 WF escrow shortage does not clearly show me how this reflects my ongoing pmts or is this a 12 advance notice my mon mtg will double? 
Escrow/Insurance was paid XX/XX/2021 XXXX SO WHY DO I HAVE A SHORTAGE of XXXX? Numbers don't add up and monthly payment doent make sense-see attached SERVICER-XXXX failed to provide 1st pmt date and Wells Fargo failed to provide a letter to me of this transferred mortgage event AGAIN When WF intentionally aware loan is being transferred to a F Rating Servicer XXXX XXXX. 

SERVICER FAILED TO NOTIFY ME AT LEAST 30 DAYS in advance to me My payments with WF are automated coming out the XXXXth of every month. When I get paid. 
FAILED TO PROVIDE FIRST DUE DATE and AMOUNT Per letter states : indicates where I can send pmt after XX/XX/2021 *****THIS IS CONSIDER FRAUD I DID NOT receive a letter from Wells Fargo WHEN to stop accepting payment from me-ALSO FRAUD All I recd from WF is a Escrow shortage ... sounds like a set up to immediately become delinquent with a corrected monthly mortg pmt Mortgage renewal XX/XX/2021 current pmt XXXX ****Did not receive a statemnt of the transfer will not affect any terms and conditions of my mortgage from SERVICER and Wells Fargo from OWNER , LENDER, ORGINATOR and SERVICER with all info listed above My payments are set up auto with Wells Fargo and a week is unacceptable and not enough time -- -This is FRAUD
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Colony Brands, Inc. (MI)

My husband who is now deceased open a line of credit through Colony brands with my social security number. It took over a year and a XXXX  complaint for them to close the account and say I am not responsible. They will not give me any credit in my own name, nor will they even do anything to correct the issue with me. I have had no contact with them. They say they sent letters I got nothing. I think they owe me for allowing a credit line to be opened in my name with due diligence. All I ask is for a credit line opened in my own name. I tried to apply and get denied which is totally wrong
Consumer complaint received 2021-06-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (NC)

In XXXX, I fell on hard times. I managed to keep up with my car payments despite not having a job for nearly 3 years. In XX/XX/XXXX, my car was repossessed. The day before I was finally offered a job. The only caveat was that it didn't start for another month. I attempted to do everything I could to prevent a repossession. Once it happened, I attempted to pay. I was told that I had to come up with money in a 10 days. I asked for more time, as I had just gotten a job. I got a pay check 3 weeks later. I planned to use ALL of it to get the vehicle back. I was {$200.00} short. I begged for an extension of another 2 weeks or even just a waiver of the {$200.00}. I was told no by everyone I spoke with. Then I was told that the car was going to be auctioned off. I was not told where the auction was being held. That would have given me an opportunity to buy the car. Eventually, the car was auctioned off, according to GM Financial. Fast forward to XX/XX/XXXX. I wanted to resolve the issue. I reached out to GM Financial and spoke with XXXX. I asked her about settling the account and having it removed from the credit reporting agencies. She stated that they do not do that and that I would have to wait for it to " fall off. '' Under the FCRA, reporting to agencies is VOLUNTARY, NOT MANDATORY. She then stated that they delete accounts that have inaccuracies. I pointed out several. The amount owed, was different than the information she stated over the phone to me. Additionally, the loss was written off. GM received their money. Furthermore, the car sold at auction. Additional monies toward the account. She had informed me that the account was old and sent to the XXXX XXXX XXXX XXXX collection agency. Then, she stated that, it was a good thing because they could " offer me a settlement lower '' than GM Financial could. I called XXXX XXXX  XXXX XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. She stated that she could not locate an account with my name. That GM Financial had pulled it back from them. Mrs. XXXX advised me to call GM Financial back. I did immediately. I spoke with someone and explained to her the information that Mrs. XXXX at XXXX XXXX XXXX XXXX had told me. She placed me on hold. I was on hold for about 15 minutes. The call had been transferred and I was connected to XXXX again. She indicated that while I was on hold for so long, she was working out a settlement offer for me. The offer was {$2300.00}. I told her that I could not afford that amount and asked her to send the account back to XXXX XXXX  XXXX XXXX. She stated that she would not do that. 

Several violations of both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act occurred. 

1 ) 15 USC 1692b ( 2 ) 2 ) 15 USC 1692a ( B ) 3 ) 15 USC 1692e ( 2 ) A 4 ) 15 USC 1692f ( 1 ) Failure to Comply With UCC Article 9 5 ) When the repossession occurred, peace was breached. 
6 ) I was not given my personal property from the vehicle.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, as violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

The reason for our complaint basically lies in a problem that occurred during a Cryptocurrency transfer between two applications of the same company ( COINBASE ). 

Having tried on several occasions to solve the problem through the customer service of said company ( COINBASE ), the only thing we have received have been standard responses, in some cases with evasions, and today we still do not know the status of our claim and we do not have any information that relates the events that occurred. 

We have tried to explain the sequence of actions that was carried out, but it has also been in vain since the sending of images through the support communication channel is not allowed. 


Making a summary, the shipment that was made is 1 XXXX XXXX from Coinbase ( Which is one of the applications ) to Coinbase Wallet ( Which is the other application ), once the XXXX XXXX was in my Coinbase Wallet I send it back to Coinbase and it is at that moment when the page begins to register loading errors, showing the XXXX XXXX XXXX  with only some options available unlike normal, the only option that appeared was to send and receive through a XXXX XXXX to a XXXX address, when in reality in the XXXX XXXX  you should only be able to receive XXXX The application errors caused the page not to load all the necessary information and the address to receive instead of appearing with XXXX XXXX which was the automatic option, only XXXX appeared when it is not a compatible currency in the XXXX XXXX XXXX portfolio that currently can only work with XXXX XXXX 

I attach some images and videos you can compare in how the page was working during the errors and how it works nowadays, also you can check in some images my wallet movements. 

The are 2 videos one with the day of errors and the other is the same process but saved today where you can see the errors automatically assigning XXXX where it has to be XXXX XXXX. 


Dates : XX/XX/2021 Case Ticket Coinbase Support XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Amount : 1 XXXX XXXX
Consumer complaint received 2022-01-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (OH)

I was denied for a loan on the basis of not being able to provide a copy of my college transcripts. When I called in the representative that I spoke with on the phone told me that it was okay not to have them and that most people are able to provide copies. I believe that I'm being treated unfairly.