davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

XXXX XXXX Account # : XXXX Balance Owed : {$1500.00} XXXX  Account # : XXXX Balance Owed : {$440.00} XXXX Account XXXX : XXXX Balance Owed : {$25000.00} XXXX Account # : XXXX Balance Owed : {$6700.00} XXXX  Account # : XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$270.00} -- -I have submitted my dispute letter for these accounts as I believe these are inaccurate but I have not received any results from the credit bureaus. It has been more than 45 days.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/21, I was checking in for my Delta airlines flight that was departing in 24 hours and a Delta Gold AMEX credit card offer was included on the check-in page which states " SAVE UP TO {$60.00} EACH WAY ON FIRST CHECKED BAGS ON DELTA FLIGHTS For you and up to 8 additional travelers in your reservation today when you apply and are instantly approved '' ( webpage attached ). The terms and conditions of the credit card were provided which I attempted to read and comprehend. As the {$99.00} annual fee was waived for the first year and the baggage fees for my trip were totaling {$120.00}, I applied for the credit card as I wanted to take advantage of the free checked bags. After applying for, and receiving confirmation I was approved for, the AMEX credit card and receiving my Skymiles # to add to my reservation, this step did not waive the baggage fees. I contacted AMEX to retrieve my newly approved account number so I could use it either online for my check-in at at the airport and I was informed that I would need to provide my physical credit card at the airport to waive the fees and that they did not have an account number to give me yet either. They referred me to the terms and conditions, which state " New Card Members and Card Members upgrading from another Delta SkyMiles Card product will be eligible for the checked baggage fee waiver benefit after receiving their Card from American Express ''. As flight check-ins are not initiated until 24 hrs before flight departure, there would be no way any person applying for this benefit would be able to utilize it in their " reservation today '' as the ad deceptively touts. AMEX was not unable/not willing to provide a statement credit to cover my baggage fees. 
The bottom line is that the ad is deceptive in its promotion that can not be realized as stated.
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 around XXXX PST I got a call and txt message from BofA clarifying if I made a XXXX transaction to a XXXX  recipient XXXX for {$3500.00}. I said no and that Im in the middle of work right now and that its busy. Whats going on? They said Ive been a victim of a fraud and that this call is being recorded. In order for me to reverse this transaction I had to go into my XXXX and add myself as a recipient. Which I did then transfer {$2400.00} over first then the rest of the {$3500.00} to be able to reverse the fraud transaction. I was so confuse and questioned them if theyre BofA and they said yes, I can check their number on XXXX and on the back of my debit card. I was in the middle of work and had to run to the medication room to take this call as Im frantically shaken that once again someone was just trying fraud me. So I followed their directions to reverse my transaction. They said I would get an email on the confirmation of the reverse transaction and another email to change my password on my account. When I got home just now, about to transfer money to my landlord since I am moving out today to realize they didnt reverse anything, instead they wiped my account out. I am finishing up my pharmacist residency program this Friday XXXX, with no job at the moment and have to start paying my {$320000.00} student loans that I just refinance this upcoming month. As Im sitting here thinking back what had just happened and looking carefully at that text message now, I feel absolutely so stupid. I cant believe I let my frantic self at that time on the phone with them get the best of my gut feeling!! I dont know what else to do with these bills hovering over me and with nothing left in my bank account. Please please help me get this refund ASAP Im so ashamed to be apart of this ridiculous scam!! Thank you so much in advance.
Consumer complaint received 2020-11-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: General Motors Financial Company, Inc. (NJ)

I have a lease with GM Financial, and my leased ended XX/XX/XXXX, because of the COVID19 I extended the lease, after that extension I called to see what would be the procedure to return the vehicle and they advised me that the dealer was closed and if that was up to me to if I want to leave the car there unattended until business returns as usual, if not they will contact me to return the vehicle. I continued making payments to the vehicle as long as I had the vehicle. GM financial never called me, emailed or mailed me a letter, and came and repossessed the car. Now they Charged Off the account without contacting me at all, I am not sure what I am paying for with no final bill. This was a malpractice and the The Fair Credit Reporting Act explain that it should be fair when collecting and reporting. On XX/XX/XXXX I called GM financial and they said that the final bill has not been generated and it will be generated in few months. 

another issue was that apparently with no explanation GM financial deleted my online account and when I when to make a payment i had no account, I had to call to recreate the account and in order to make a payment and that payment was 30 day late.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (VA)

Yesterday i received an email from XXXX XXXX stating that there was a major change to my credit report. I looked into this, and there was an inquiry from something i have never even heard of. Barclay Bank had issued a inquiry to my account without my consent. I tried calling Barclay Bank, and they were very unhelpful. They told me i had to call XXXX  to dispute the issue. Okay, so I tried calling XXXX. XXXX told me i had to get Barclay to send me a letter of deletion so that i could then forward it to XXXX, JUST so they can remove the inquiry from my credit report.I tried calling Barclay back and they told me they couldn't send me the letter until it was disputed These are alot of hoops to jump through for someone who didn't ask for this credit inquiry, and neither company is helping me out. Each one is just essentially telling me to go to the other to make progress so there for there is nothing i can do. I did not apply for a loan or a new credit card through Barclay Bank and to my best knowledge, it is actually illegal for them to pull my credit report without my consent.
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc. (NJ)

This debt is not mine. I was never seen by XXXX XXXX XXXX XXXX in XX/XX/XXXX. This collection agency which is SA-VIT Collection statingi was a joint responsibility. Never heard of such terminology for a medical bill. I have no idea how they got my social security number and put this false information on my credit report. I have tried several times to contact them. My latest attempt was on XX/XX/XXXXin which i send them a letter and also contact the credit agency. Was informed by XXXX  that are still stating this information is accurate. Was informed by divorce attorney this is illegal and fraud. I am not a cosigned for a medical bill and not responsible for this debt. In addition i was not the patient for this service. This is a frauduelent attempt to get this bill paid by me. This matter needs to be resolved and has cause me tremulously stress. Thank you for your assistance
Consumer complaint received 2018-01-30
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)

This complaint is about the account above and the reporting of the collector XXXX XXXX. I am XXXX XXXX, the debtor and Complainant in this complaint. I am filing this complaint about the account referenced above. 

The collector, XXXX XXXX, is reporting this debt to the credit reporting agency on behalf of XXXX. Both companies, XXXX XXXX and XXXX are based in XXXX, California. XXXX is the contract towing company for the XXXX of XXXX. My familiarity with the creditor is because I once lived two houses away from one of their employers, the brother of the owner. His daughter was my own daughters best friend when they were children. I have had no contact with any of these folks in over 12 years. 

I have never had a business relationship with the people or this company. I have had no business at all anywhere near the XXXX for over a decade. I have been XXXX and receiving XXXX for the past eight years. I have certainly had no reason to have a vehicle towed a distance that would result in charges of almost {$2000.00}. Ive not had a vehicle impounded either. I have no idea what the account is from. 

I have had no success in my own attempts to correct this situation, have the debt dropped and my credit report corrected. I appreciate any assistance you can give me through this complaint process. I have no documents about this alleged debt except a copy of the credit report. 

Thank you XXXX XXXX
Consumer complaint received 2018-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

I was a victim of XXXX XXXX inquiry issue. I called and tried to explain this to them. I have reached out to them in writing and via phone and the companies via in writing to no avail. 

Inquiries I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And this month I had multiple inquiries in a one/two day span in which I DID NOT authorize. The salesman at a dealer had me sign a form allowing them to pull credit. I did not authorize them to allow anyone else but THEM to pull my credit. XXXX XXXX XXXX. I had over 13 inquiries over all 3 bureaus pulled. They financed me thru XXXX XXXX. This is criminal. 
XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2016-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (CA)

I purchased a samsung galaxy phone from a XXXX representative and was told at the time of the purchase that it came with a free tablet and that there was no contract and that I could cancel the device and service at any time. My phone was stolen and I immediately called and reported it and was told that my service would be cancelled and I would not be billed for anything but the price of the phone and to return the tablet to the nearest sprint store. The store refused to even let me pay for the phone and said I breeched my contract and that I owed over XXXX dollars for the phone, tablet early termination and other fees. I also could not pay or work out any deal with sprint because they referred it to a collections agency and told me they no longer were involved at all.
Consumer complaint received 2020-10-07
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. (TX)

I have filed a dispute with Equifax three times asking for them to remove a collections on my account. Each time it has come back as verified even after I have provided proof for them to delete the information.
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Short version Coinbase has locked my account for a pending transaction that has aged out. ( will be 4 weeks old on XX/XX/XXXX ) The pending tranaction was from one coinbase wallet to another, they debited the source wallet twice and only credited the destination wallet once, leaving me with a negative balance and locked account. 


PERSONAL INFORMATION PLEASE REMOVE Coinbase support # XXXX PERSONAL INFORMATION PLEASE REMOVE 1 ) I attempted to transfer bitcoins from the coinbase multisig wallet to the active wallet to sell some bit coin. I attempted to do this twice, and both times the coinbase webinterface hung. 

2 ) So I used the coinbase provided multisig tool to directly enter a transfer from the multisig wallet to my coinbase active account. The default settings for coinbases provided tool had too small of a transaction fee and the transaction was never picked up on the block chain. 

3 ) The next day I redid the same exact transaction with a proper fee amount and it went through. The fact that the BTC were moved from the wallet in transaction # 3 permanintly invalidates transaction # 2 The transaction ( s ) 2,3 were for about XXXX bitcoins from one coinbase wallet to another. 
Coinbase debited for both transactions, and only creditied for one transaction. Transaction # 2 above will never ever be confirmed. ( If it was confirmed it would double spend the BTC in tranasction # 3, somethign the blockchain won't allow. ) Its now been almost 4 weeks and my coinbase account shows a negative balance of XXXX bit coin ( The differnce in the fee between # 2, # 3 ) when it should show XXXX BTC. 

Coinbase Support will not give me ANY information on when they might resolve this. Their own online documents say unconfirmed pending transactions should be removed after two weeks, its been 4. 

Even if the pendign tranasction went through ( and it cant ) it would be credited to coinbase, so there is ZERO possible loss on their part.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have an delinquent past due account on my credit file, that doesn't belong to me or I am associated with, I have contacted Experian/XXXX with no successful resolution. It says the account was open on XX/XX/2017 and the original creditor was XXXX XXXX , whom I have no idea is, or what products they deal with. This new collection has dropped my score over 40 points due to this derogatory item.
Consumer complaint received 2018-01-29
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. (NC)

I disputed a bankruptcy that was on my Experian on XX/XX/17 and it was said that the information was verified. I called back after the results of the dispute and was told that the could not provide the information that was used to verify the information. I called today and spoke with XXXX who initially advised me the the bankruptcy was verified by the court which is no true because the court does not verify credit information when I advised the agent of thi he advised that the bankruptcy was verified by a public record vendor but could not disclose the name I then requested to speak with a supervisor which was XXXX. The supervisor advised the he could not provide the name of the Public record vendor and that he did not know it. Both representatives said that they were in the XXXX XXXX office.
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (IL)

This is the second complaint Ive filed with this agency. My original complaint # XXXX was closed after one response from PHH Mortgage. The company explained that they had made an error by not posting my mortgage within the 24 hour period in which they received it. Since the date of PHH Mortgage response, a second mortgage payment was sent by me via the XXXX priority 2 day mail. I have the receipt showing PHH Mortgage received the payment on XX/XX/XXXX. Once again PHH failed to post this payment until XX/XX/XXXX.. I reiterate my original complaint that this is not an isolated incident with PHH Mortgage. I would like another explanation from PHH Mortgage. I am also asking that this agency leave this complaint open. Im having difficulty believing mine is an isolated occurrence with PHH Mortgage. It is also XX/XX/XXXX and I have yet to receive my interest statement from PHH Mortgage for tax purposes. It is my understanding that mortgage companies are required to send consumers the interest statement by XX/XX/XXXX of each year. I had the same problem with PHH in XX/XX/. I finally had to contact the company to request a copy of my interest statement. That of course caused an additional seven day delay to my being able to file yearly taxes. The same is occurring this year.PHH Mortgage fails greatly when it comes to legal requirements set forth by the state of Illinois and the government in general. Please contact me if copies of all my receipts are needed for verification of my complaints. If this agency is not able to help legally with these allegations I would like some direction as to my next step. PHH has yet to correct the dates of my mortgage payments on my credit report. PHH Mortgage does not allow a consumer to make a late mortgage payment via their website. PHH Mortgage does not allow a consumer to make a late mortgage payment via the phone. The consumer is at the disposal of PHH posting the payments as PHH Mortgage sees fit to do so.
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

I had wired {$50000.00} into Coinbase and followed all of their instructions. Everything was done correctly. I have confirmed with my bank as well as with Coinbase 's bank that the wire went through correctly. Both banks have confirmed. 18 Days later our Coinbase account has NOT been credited. We have contacted their support numerous times. They do not answer support requests at all. We have called them twice only to get the runaround. The last time we called we were told a special would be looking into our situation. Again, no responses. CASE # XXXX
Consumer complaint received 2017-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DE)

Paypal has sent me to collections over two cases that were filed  against me since  XXXX   XXXX . The total is {$680.00}. First of all they have allowed individuals to open cases past their own guidelines. According to  Paypal, a case must be opened within 120 days. Both cases were well over 120 days. Unfortunately one of the cases I could n't find tracking info for so I figured I will have to pay the {$450.00} since I could  n't locate tracking. The other case was for {$200.00} and I provided them tracking info off  XXXX  showing the package was shipped. Because the package was shipped over a year ago,  XXXX  tracking was n't working correctly. Now they have sent me to collections and wo n't even speak to me. My calls go directly to the collection agency which basically insinuates this is an old debt when it clearly is n't even  two months old. Today I get an email that an individual is opening a case against me from a transactio n dated  XXXX / XXXX / XXXX  which is again well over a year old. I try to login to m y Paypal account and now ca n't even log in. This is a HUGE problem. How can I fight my case if they wo n't speak to me or allow me to login to provide tracking info. Another issue is I have a Paypal credit account which is basically their credit card which I also ca n't log on to and I use this to make my payments online. I do n't know where to turn but I f eel as though I 'm being treated very unfairly.
Consumer complaint received 2018-01-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

Today I called Navient around XXXX XXXX, EST. I spoke with a male representative concerning in-school deferment. I had mailed out an in-school deferment form on Thursday to help speed up the process of deferring my loans. The man said they had not received the form yet, but my school 's registrar could call this number ( XXXX ) XXXX to give them my school information ( full-time status, graduation date, etc. ). 

I called my school 's registrar and gave her the phone number to call someone at Navient to provide them with this information. She said it should not be a problem as she has made these phone calls before to inform employers of student 's information. 

I call Navient back around XXXX, this time speaking to a female representative. She immediately transferred me to a different department, where I then speak to another female representative. I asked this representative if my information has been updated since my school registrar had called. She said there were no records of her calling in any department. I thought this was strange, and told her that the registrar most likely did call within the past hour. Still, no records to be found of this phone call. The representative told me to call my school back and see if they could update the XXXX website and possibly resend the in-school deferment form via online upload or through fax. 

I call my school back around XXXX and directly contact the registrar. I told her Navient had said there were no records of her phone call and she said she most definitely made the phone call, and had spoken to a woman named XXXX with a XXXX accent. I also discussed the information being updated on the XXXX   website and was told it would be updated tomorrow. 

I call Navient back around XXXX, and speak to a new representative. I fill her in on what's been going on today, and she tells me the same thing, no record of the registrar calling. I'm frustrated at this point, since there is no reason that conversation should have been ignored and not recorded on my Navient account. This representative then tells me that Navient isn't allowed to discuss my account with other people unless they have my consent. She tells me that the registrar making a phone call wouldn't do anything to update my account. I ask her why another representative would provide me with this information and give me the phone number for the registrar to call and she said she didn't know. She also said that there was no record that I even called Navient at XXXX today discussing this. She checked with customer service to see if they had any record of my phone call and they did not.