davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

On XX/XX/XXXX, XXXX XXXX XXXX  ( XXXX, NJ ) transferred the servicing of my loan to Loancare ( XXXX XXXXXXXX, VA ). XXXX sent me a notice on XX/XX/XXXX that they had become the servicer for my loan. That letter said that if I had auto-pay set up, then I needed to take no action, my loan would continue to be paid in that way. 

It is now XX/XX/XXXX, no payment has been made. I have no access to the XXXX online system, and I have no coupons or other materials to send them a check. I have contacted customer service and I keep getting new dates for when my loan will be active : initially XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, now XX/XX/XXXX. 

My loan is accruing interest based on the amount of principle that is owed. I normally make an substantial payment of additional principle on top of the amount paid in my normal mortgage payment. 

And so, I am now nervous because no on-time payment has been made. And additional interest is accruing based on the outstanding balance of the loan that I can not pay down - either through a normal mortgage payment or through an additional principle payment. 

The new servicer also charges an additional fee for online payments that are made online ( the previous servicer did not ). That fee structure escalates throughout the month, {$5.00} after the 5th of the month, and {$10.00} after the 10th of the month. And so I will now incur additional charges to make my payment of additional principle because of this delay.
Consumer complaint received 2021-09-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (UT)

Person Called claiming to be apart of the CBE Group trying to collect a medical Debt for my child that is fully covered under XXXX. Tried saying it was for a hospital in a location that he has never been. They were trying to get a lot of information that did not pertain to my child like my social, DOB, Address. They also refused to answer any of my questions when I wouldnt give them my info and then they just hung up on me. Now I continue to get random calls from different number and when I answer I get no one on the other end. When I call back it takes me to the CBE group number. Very annoying.
Consumer complaint received 2017-09-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Risecredit, LLC (TX)

I called in to pay off my loan on XX/XX/17. The rep told me the balance and I explained I could n't make to the bank in time to payoff the loan in full because I was in XXXX when the hurricane Irma hit. He advised on XX/XX/XXXX to pay $ XXXXand they will waive the other payment of {$330.00} since I was in the hurricane area when the hurricane hit.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2017-01-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION (MI)

check 'n go is one of the worst compy 's to deal with ther pay sement is not that grate if you take out {$600.00} you have to pay back XXXX dallers. wich come back to them XXXX I think these comppy 's need to my put out of business ther herting people that pay in to are govment ssc. 

thank you XXXX XXXX
Consumer complaint received 2023-01-11
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)

I wrote to XXXX, Experian and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. The credit bureau claim that they completed a reasonable investigation with the furnisher of the accounts and verified 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score Account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Benworth Capital Partners LLC (GA)

Hello. My discrepancy is with XXXX 's XXXX XXXX program. Earlier this year, I used their services and received several emails requesting new business. I referred an individual, whose loan was approved, within their time frame, with a {$150.00} referral link. I have reached out many times to XXXX 's Support Team, Payout Team, Customer Service by telephone, etc., only to receive automated emails. In my XXXX 's XXXX XXXX, I have met the identity criteria, added my bank information and it is noted as approved. When I click on the dollar amount, it shows my referral approved date as XX/XX/2021, along with " in review. '' Further, XXXX 's terms note that the payout is made 30 days after approved, the XXXX of the following month. The Referral Payout amount has never been deposited to my bank account and seeking a resolution with them has been ineffective and exhausting. Therefore, I am requesting assistance to receive the Referral Payout Reward, as they promised. 
On XX/XX/2021, XXXX sent this email to me : Hello, Congratulations! Your XXXX XXXX application has been approved. Continue to watch your inbox for payment status. 
Thank you again for supporting small businesses! 
Many Thanks, The XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2021-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (DE)

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$100.00}
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I OPENED CAPITAL ONE CARD IN 2011, IT IS A PREPAID ACCOUNT. I GAVE THEM UP FRONT {$300.00}, IN EXCHANGE FOR XXXX CREDIT LIMIT CREDIT CARD. AFTER XXXX XXXX, I MADE A PAYMENT ONLINE THAT WAS NOT PAID BY BANK. WHICH CAUSED MY CARD TO GO OVER LIMIT BY {$300.00}. TODAY I CALLED TO MAKE A PAYMENT AND WAS TOLD CARD WAS CLOSED. I REQUESTED THAT THE {$300.00} DEPOSIT GET APPLIED SO I COULD PAY THE ADDITIONAL AMOUNT OWED. I WAS TOLD I ONLY PUT UP A {$50.00} DEPOSIT AND IT HAD BEEN APPLIED. 

I ASK TO SPEAK WITH A REPRESENTATIVE IN MANAGEMENT, AND WAS PUT ON HOLD FOR AN HOUR. PLEASE HELP SO I DO N'T GET XXXX OUT OF MY {$300.00} DEPOSIT.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (OK)

I filed unemployment claim on XX/XX/20 and I have not received my card with my money on it. I was able to set up my account but can not do much on it because card isn't registered. I have called every day and only sit on hold for 2-3 hours at a time and I have been calling twice a day. I called in the middle of the night, during the day, and in the morning and I only sit on hold. I simply want an expedited replacement card sent to me ASAP and I don't care about the {$15.00} charge for that. The card should be sent to the same address on my account. Please Help!
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2024-01-27
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. (CA)

XXXX XXXX has me listed as an authorized user for an account that I am not on and does not belong to me. I have tried to dispute it and it is still showing up on XXXX and Experian. It was removed from XXXX but it still remains on my XXXX and Experian. I have disputed a couple of times and explained to them that this account does not belong to me and i am not an authorized user. I have never had nor do i have any interest in having an XXXX XXXX card. They continue to report on my credit each month after Ive explained and dispute multiple times. I want this immediately removed from my credit.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-08-16
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. (TX)

According to my credit report with Experian the amount I owed XXXX XXXX is {$8100.00} but this amount was charged off and written off. If company wrote off this account off on their taxes than I would no longer owe this money.

Below is copied from my credit report : Account charged off. {$8100.00} written off. {$8100.00} past due as of XXXX 2021.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

On XXXX XXXX, 2017 I applied for credit line increase on my Barclays credit card ending XXXX. The same day Barclays determined that since there was no recent activity on my card I am not eligible to even apply for credit line increase. This decision was not based on my credit. 
However, afterwards Barclays made a hard inquiry against my credit anyway and needlessly -- since my credit was not involved in their decision which was based exclusively on my account not being active.
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (VA)

On XX/XX/2023 I was called by United Collections about an alleged Dept. I spoke with a senior manager by the name of XXXX. I informed XXXX not to call, email and not to have any communication with me until they could validate. I made sure he understood that he was not to call or communicate with me at all. on XX/XX/2023, I received an email asking me to pay the debt. On XX/XX/XXXX, I sent UCB a dispute letter and on XXXX XXXX I sent an email letting them know they had violated my rights and also they are not allowed to collect in my current state.
Consumer complaint received 2019-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was looking to purchase XXXX Obama tickets online from XXXX. The event was on Thursday XX/XX/2019 I contacted the seller ( in this listing - https : XXXX ), who said his name was XXXX on Monday XX/XX/2019. 

I communicated through text ( text thread is attached : XXXX - XXXX ) and twice over the phone with the seller and the agreement was that I would purchase XXXX tickets for {$650.00}. The seller asked to use XXXX XXXX instead of meeting up in person, and asked to be paid through XXXX. The seller also mentioned they used XXXX as their main bank. 

On the evening of Tuesday, XX/XX/2019 the seller received my payment through XXXX but did not send the tickets through XXXX XXXX. I repeatedly called the seller and sent a screenshot of my XXXX account ( XXXX ). I did not receive a text, or phone call or any other communications from the seller from that point. 

I am confident that this seller is defrauding users using XXXX because coincidentally, I had a friend who was in contact with this same seller. They communicated through text message and over the phone as well. On the craigslist listing, the seller claimed to have 4 tickets for sale. The evening of XX/XX/2019 around XXXX I sent my payment of {$650.00} ( for 3 of the supposed 4 tickets on sale ) through XXXX. My friend who was in contact with the seller did not send them any money, but inquired about purchasing all 4 tickets around XXXX Wednesday XX/XX/2019. The seller agreed to sell my friend all 4 tickets even though the seller had received my payment for XXXX of those tickets ( XXXX, XXXX, XXXX ). 

The next day, Wednesday XX/XX/2019, I visited the Chase branch on XXXX XXXX XXXX, XXXX, TX. I spoke with a representative and explained the situation and they said they would make an attempt to reverse the transaction and would let me know the result of their findings. On Saturday XX/XX/2019 I filed a police report with the city of XXXX ( Report. No : XXXX )
Consumer complaint received 2024-03-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MI)

I was gifted a prepaid {$100.00} XXXX  in XX/XX/2023. It appears to be through XXXX It came with a sticker saying I must activate the card online or via phone to be able to use it online. I tried XXXX times online and every time it continued to say try again. I then tried to call the phone number and activate it that way. It continued to say the security code was incorrect which it clearly was not. I tried this XXXX times to confirm numbers and got the same error. I then called back to see if I could speak to a live person. When you call there are no prompts it just asks you to put in a card number. I continued to say " customer service '' thinking it would direct me to someone but it continued to say it didn't understand and would hang up.

I then went to their website and hit " contact us ''. The only thing on there was the same phone number I have already tried.

I would like to eb able to use the money I was given by my family for XXXX and it's very frustrating thar I can't even find a person to talk to.
Consumer complaint received 2019-03-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2019, I wrote a check for the amount of {$4000.00} to an individual that banks with Wells Fargo at XXXX XXXX XXXX XXXX in XXXX XXXX, TX. For whatever reason, that individual wanted a different amount than what I wrote him, after he had visited the Wells Fargo branch. So he gave me the check back and I destroyed it. I wrote that individual a check for a different amount. Wells Fargo decided to cash the {$4000.00} check and reverse the transaction from that individual 's account. Upon confirmation by XXXX XXXX that the transaction has been reversed and will be transferred to the issuers ' account on XX/XX/XXXX, I felt assured that the erroneous transaction on behalf of Wells Fargo had been rectified. Today, XX/XX/2019, I still have not seen the funds from Wells Fargo although XXXX XXXX has assured myself and the account holder that the transaction will be reversed. This has nothing to do with the account holder, I have verified in person at the bank that the account holder 's account does not have the funds in their account. Wells Fargo has taken the funds from both myself and the Wells Fargo account holder and is refusing to give them to either one of this. This is theft and must be rectified immediately.
Consumer complaint received 2024-03-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

Freedom Mortgage purchased my loan and sent me a letter stating my insurance was being canceled and I had to purchase insurance. I contacted my insurance company and paid for the year. I contacted Freedom Mortgage and notified them that the insurance was paid. They continued to take money from my account for insurance and sent me a refund check made out to myself and my ex-wife. Since I have not been in touch with my ex-wife in over XXXX  years the check is useless. I called customer service and was told to send them a copy of my divorce decree which I did. I was later contacted by Freedom Mortgage and told there was nothing they could do.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (TX)

On Saturday XX/XX/XXXX chime suspended my checking account for suspicious activity, never said what activity particularly flagged account. Submitted identification documents : ssn card, proof of address, phone bill several times over 49 hour period and company is refusing to reactivate account.