davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MI)

XX/XX/2021 - I purchased 3 XXXX Airline Tickets with my American Express Platinum card for travel dates XX/XX/XXXX - XXXX. 

XX/XX/2021 - We checked in at the XXXX XXXX XXXX and my 3rd ticket ( which was purchased for my son ) was not recognized for free first checked baggage and I was charged {$30.00}. 

XX/XX/2021 - I contacted American Express Customer Service number on my card ( XXXX ) and spoke to XXXX who put a watch on the charge. 

XX/XX/2021 - I contacted American Express Customer Service number ( XXXX ) and spoke with XXXX. I explained that I was charged for baggage on XX/XX/XXXX and XX/XX/XXXX and I should not have been charged. I explained we checked in via the XXXX XXXX at both airports and my sons flight was charged the baggage fee. He put a watch on both charges. 

XX/XX/2021 - I received an email from American Express that the {$30.00} charge was posted to my account. 

XX/XX/2021 - I contacted American Express Customer Service number ( XXXX ) and spoke with XXXX ( located in XXXX ) and explained the charge again. This time I was told that the charge was for excess baggage and I would have to contact XXXX XXXX to resolve this matter. I requested to speak with her supervisor, XXXX came back on the line and said she spoke with her supervisor and they will credit the account {$30.00}. I insisted on speaking with her supervisor, and finally, she got on the line. XXXX was her name and she assured me the charge would be credited to my account within 24-48 hours. 

XX/XX/2021 - I received an email - see copy of email attached. 

XX/XX/2021 - I contacted American Express Customer Service ( XXXX ) and spoke with XXXX ( located in XXXX ) and explained my situation, again, she said she would change the dispute and I would see a credit within 24-48 hours. 

Needless to say, I am canceling this card once this matter is resolved. I did not have excess baggage and was charged for baggage that I should not have been charged for and I was unable to resolve the charge at the airport, expecting that American Express would be able to assist me with this matter. I was wrong. 

I would greatly appreciate any assistance your office can provide to resolve this matter. 

Thank you in advance for your assistance. 

Best Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc. (LA)

Tower Loan i s reporting on my credit report as a charge off with incorrect dates. Almost 2 months ago I sent them a certified letter requesting validation of this account . Tower Loan did not provide a signature or anything, nor did they mark my credit report disputed. I then sent them a second lett er and they have yet to respond to me.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (MS)

They will not remove a account from  American Honda, a s it was in a chapter  XXXX , atv sold, and they are paid in full and I no longer should reflect this account as owed.
Consumer complaint received 2022-03-03
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. (GA)

I lost a wallet with all my personal information ID, SS Card, Bank Cards etc. I canceled the bank cards the next day so those were no issue but some months later I started noticing items on my credit I had no knowledge about and at that time I didn't put 2 and 2 together about losing my wallet so I would just dispute the charge to no avail. Later when trying to purchase a home I seen where it listed on my credit that I had a balance from an apartment when during that time I lived at XXXX XXXX XXXX, XXXX in a house not an apartment. I can't do anything with these items on my credit. I have been going back and fourth with with that all the accounts opened up in my name and I just need this to be over. I have collection accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have over 10 Inquiries from places I have no idea about. Credit card closed accounts theres 2.
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

I had deposited over 25,000 dollars into XXXX. XXXX is an exchange that is owned by CoinBase. 

I withdrew XXXX USD Monday, XX/XX/XXXX. I never received my money to this day XX/XX/XXXX. 

I withdrew XXXX USD Tuesday, XX/XX/XXXX. I never received my money to this day XX/XX/XXXX. 

I withdrew XXXX USD Wedneday, XX/XX/XXXX. I received it the following day Thursday, XX/XX/XXXX. 

I have not received my XXXX USD to be credited to my USA bank in 44 days ( 29 business days ). I used ACH which usually only takes 1-3 days. 

I sent multiple emails to CoinBase/XXXX  regarding my issue as follows and I've attached the contents in the supplemental documents I've attached. 

XX/XX/XXXX email sent to support website of CoinBase describing the issue. 
XX/XX/XXXX second email sent to support. Generic email reply without any answer to my specific problem. 
XX/XX/XXXX and 2  email sent to support. 
XX/XX/XXXX, I call XXXX by phone and they say they will escalate the issue and to please not send any more emails. " For fastest response, please do not create multiple tickets about your issue. '' - XXXX XXXX XXXX XX/XX/XXXX XXXX No change in status now. 

I called XXXX two days ago and they said they've escalated it as far as they can and that I will just need to wait. 

I am missing XXXX dollars and CoinBase has been very unresponsive and not reassuring if I will receive my money. I am a U.S. customer with a U.S. bank and this is a U.S. company. An ACH that usually takes 1-5 days to send should not take one month.
Consumer complaint received 2021-09-03
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)

12 Student Loan Accounts All Starting with Account # XXXX Reporting 9 late or missed payments on each account beginning XX/XX/XXXX. 
Accounts show current status for XX/XX/XXXX but 90 days past due in XX/XX/XXXX. 
This is a clear error and incorrect as you can not be current in XXXX and be 90 days past due the following month. 
The accounts then show being current again in XX/XX/XXXX until XX/XX/XXXX and then 90 days past due in XX/XX/XXXX this again is incorrect and inaccurate information as this is not possible. 
This negative information is preventing me from securing new lines credit, employment and housing opportunities. 

I have disputed this information directly with XXXX, contacted Experian, XXXX, and XXXX  to have this information reported accurately but this information has not been updated. I am trying to avoid a legal suit but feel like this may be my only recourse. 

All balances : {$6200.00} {$7500.00} {$8600.00} {$11000.00} {$220.00} {$1500.00} {$4300.00} {$4100.00} {$6100.00} {$3900.00} {$1500.00} {$2500.00}
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Transunion Re : Us Bkpt Court NY Bankruptcy chapter XXXX To Whom It May Concern : I have previously submitted a certified letter which was received and signed for on XX/XX/XXXX2016 requesting that a dispute be initiated for a public record Bankruptcy chapter XXXX which is reporting information on my Credit Report.
Consumer complaint received 2016-07-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (WI)

We were on vacation when our debit card number was hacked. We reported this to our bank after discovering several charges in XXXX, XXXX ( we live in XXXX ). The XXXX was also consulted. We did n't get a chance to call XXXX ( CNAC ) as it was the XXXX XXXX weekend, and frankly we were in shock. The bank froze our account until this is resolved. CNAC wants a letter, or fax to them, but XXXX XXXX will not do this. Why would we want a letter to us the bank is keeping us abreast of this situation? CNAC calls at least 4 times a day. I tell them the same thing every time. It is bad enough this company sells people who do n't have the means to get a car any other way because of issues in their life. We have said car into the shop 6 times. Brakes, radiator, rear tailight, and other things. This company needs to be investigated. This company also uses a device that changes numbers every time.
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates reported a debt to my credit report that I do not owe. This could be a result of Identity fraud because I have discovered other fraudulent accounts on my credit report and is working with the credit bureaus to get this issue rectified. I have disputed this debt with the collection agency and have had the credit bureaus sent Portfolio Recovery Associates my police report and FTC but the debt still remains on my credit report. Debt is listed as {$7500.00} and I am not sure if portfolio recovery is the original creditor of the debt. I need this account to be removed from my credit report and for the bills and phone calls to stop because this account does not belong to me.
Consumer complaint received 2019-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

it's fraud I didn't apply for credit cards or loans it was my XXXX  XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX  XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX  XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southwest Credit Systems, L.P. (MA)

On XXXX/XXXX/XXXX XXXX contacted my relative and disclosed my information to her and got a payment from her for the amount {$190.00}. I explained to my relative that they were not suppose to give her any information regarding a bill in my name and they could not take her money. They continued to contact her and give my information to her over the phone. I have disputed this bill since due to the violation of the Fair Debt Collection Practices Act. I requested cease telephone communication. Some time had passed and the phone calls stopped and the bill stop coming. After many years my relative called XXXX to get service they told her they could not help her till a bill in my name was resolved. They again disclosed all my information and transferred her to Southwest Credit Collection department. Then Southwest disclosed my information to her as well. I notified CFPB and filed a complaint against XXXX. I sent a Certified letter disputing the bill on XXXX/XXXX/XXXX. XXXX still calling. I then sent a second Certified letter XXXX/XXXX/XXXX to Southwest Credit informing them of the violation and that I am left with no other option but to file a complaint to cease telephone communications. Southwest Credit in turn sent me a bill with balance saying I owe {$310.00}. CFPB was not able to handle the matter with XXXX so CFPB notified the FTC. Even after sending a Certified letter to Cease Telephone Communication I continue to receive collection calls from XXXX. Another violation of the FDCPA. On my voice mail when I received a call from XXXX a man said on my voice mail. " I got this '' then hung up. Something must be done about this harassment. I am taking the steps to have this resolved to that they will not continue to do this to me or anyone else.
Consumer complaint received 2021-09-03
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2018-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I got a mortgage from XXXX XXXX XXXX on XX/XX/2017 and paid at closing {$1000.00} in interest for XX/XX/2017 through XX/XX/2017. Four days later, on XX/XX/2017 XXXX XXXX XXXX transferred/sold the loan to Wells Fargo ( loan # XXXX ) along with the interest of {$820.00} for XX/XX/2017 through XX/XX/2017. Wells Fargo refuses to acknowledge that this amount XXXX {$820.00} XXXX was received and, accordingly, this amount is not included in the interest amount that is reported on the tax form XXXX. Wells Fargo 's claim of not acknowledging receiving interest is preposterous. I highly doubt that when Wells Fargo loans money it would let anybody else keep the accrued interest, even for a day. I'm attaching my communication with the mortgage originator XXXX XXXX XXXX that clarifies the situation. Another aspect of the problem is since loan processing is highly automated I suspect that I am not the only customer who had his mortgage transferred to Wells Fargo mid month and had the interest reported incorrectly on the XXXX tax form. There should be plenty of customers like me whose XXXX will need to be corrected.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (KY)

A payment was made for {$3300.00} to Chase Bank on X/XX/17 to be credited for X/XX/17 in error on an account that is closed. This payment was made thru bill pay. On X/XX/17 I was made aware the payment was never received. My wife made an inquiry thru bill pay and discovered her error in making payment to closed account. XXXX XXXX sent proof of payment and request for refund to merchant on X/XX/17.  Chase Bank requested proof of payment thru a transmittal report and provided a fax number. XXXX an outside party that handles XXXX XXXX bill pay submitted information requested from Chase on X/X/2017. They were requesting incorrect account number that money was sent to and the correct account number the payment should have been applied to.This information has been supplied from XXXX XXXX more than one time to Chase Bank. There have been numerous requests from XXXX XXXX in between these two dates to resolve this issue. There has been no help from Chase Bank to help me resolve this issue. I have had the account with Chase for a long time and I use the card on a weekly basis and always pay my bill in full each month. The due date on this card was X/XX/17. I have been sadly disappointed in the customer service and lack of concern that Chase Bank has shown me. The dollar amount is quite substantial to me and my credit score is of great concern also is getting this matter resolved. I realize the first mistake was ours but feel they have had ample time in reapplying payment to the correct account number which has been provided to them.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Request for Deletion of Inaccurate Credit Card Information I am writing to dispute the accuracy of certain information on my credit card account, as reported by [ XXXX XXXX XXXX  ]. I have already made three previous attempts to resolve this matter directly with the credit card company, but the inaccuracies persist. As per the Fair Credit Reporting Act ( FCRA ), I kindly request the deletion of this inaccurate information from my credit report. 

I speak directly with the credit card company and they told me they found the issue but instead of fixing this issue it keep reporting each month inaccurately. 
I obtain a case number from the credit card company and a representative name that I speak with. Case number. XXXX. Rep Name XXXX Despite providing detailed explanations and supporting documentation, the credit card company has failed to rectify the inaccuracies on my account. This continuous reporting of incorrect information is not only damaging my creditworthiness but also violating my rights under the FCRA. 

According to the FCRA, after three unsuccessful disputes, the credit reporting agency is required to delete the disputed information from my credit report. I believe that the credit card company 's failure to address these inaccuracies adequately warrants the removal of the disputed items from my credit report. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that the credit card company complies with the FCRA. I trust that the CFPB will thoroughly investigate this dispute and take appropriate action to rectify the inaccuracies on my credit report. 

Please find enclosed the following documents for your review : 1. Supporting documentation highlighting the inaccuracies on my credit card account.

I appreciate your prompt attention to this matter and look forward to a favorable resolution. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact details.

Thank you for your assistance in this dispute.
Consumer complaint received 2017-06-21
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: Santander Consumer USA Holdings Inc. (TX)

I applied for a car loan through XXXX and I was not aware that they run your credit through numerous companies. I have contacted Santander and asked that they remove the inquiry as well as the credit bureau and it 's still reflecting on my credit!! I did not authorize my credit to be ran through Santander Consumer USA
Consumer complaint received 2017-06-08
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: Experian Information Solutions Inc. (GA)

I received a copy of my credit report and it showed inquires that I do not recall authorizing. I understand that an inquiry should n't be allowed on my file unless I authorized it.The unauthorized inquires are attached and have been highlighted.
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. (CT)

XX/XX/XXXX CRA reported a late payment on my consumer report past due balance 0f {$38.00} dollars and XX/XX/XXXX CRA reported a late payment on my consumer report past due balance of {$60.00} They are in violation of the FCRA 15 USC 1681b ( 2 ) I never gave a written consent to furnish these on my consumer report I tried resolving with the CRA not the results I was looking for
Consumer complaint received 2019-03-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

LoanCare in XXXX  XXXX, a loan company and collection agency, bought the paper for my mortgage. I became one month late when I tried to change companies after a problem with them demanding I pay taxes. I am a XXXX XXXX XXXX veteran and do not pay taxes. I paid the delinquent month last summer. However, the money was not applied to my mortgage and the only answer I could get from them was that it went to fees. 

Now, seven months later and with a poor credit rating, I was finally told that last summer my monthly payment was increased by {$37.00} which I was never told. And, LoanCare does not accept partial payments. So, they put my mortgage payment into a Suspense Acct and began using it to pay late fees. I was never told it was a partial payment. I would have happily sent them the additional {$37.00}. 

I believe this is a deceptive business practice from a loan and collection company to collect additional monies. Now, my credit rating is too poor to change to an ethical mortgage company. Also, although I am now current, LoanCare is telling me I owe more than {$300.00} for escrow. When I spoke with a representative last XX/XX/XXXX, he said I was {$130.00} short in escrow. So, I sent them the {$130.00}. I am in great hopes you will investigate this company and take the appropriate action to deny them the ability to purchase mortgages from XXXX veterans on fixed incomes. Thank you. 
XXXX XXXX