davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP (TX)

I had a massive house fire that damaged everything in my home. My kitchen was gone. The insurance company suggested I hire a professional cleaning company to work on my house, and I called them. The company failed to complete work, and were also contracted to rebuild. They never started the rebuild. This happened around XXXX 2016. Around XX/XX/XXXX we finally settled on how much they were owed and I looked for a new contractor. I could not find many, and most were very expensive. I also was told by the mortgage company that the rest of the insurance funds would be held until the house was finished. I was able to secure a contractor, but I told the mortgage company without those funds I could not pay the contractor and my mortgage at the same time. I fell behind in my mortgage payments by six months, and ended up losing my contractor because they would not finish the work without being paid. The mortgage company refused to help and continued withholding the funds. I finished the work and had the final inspection, and got the large sum they were holding, and caught back up on my mortgage, paid the constructor, and caught up elsewhere. They knew they were negatively impacting my life and health. They knew what they were doing was morally unconscionable. They claim they followed their rules. They did not. They said they could not release funds because of the contractor license and some other inspection nonsense. It was absurd. They knew the position they put me in and they did n't care! Their behavior is reprehensible.
Consumer complaint received 2018-01-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

i opened a brokerage account with Citi. I was told by XXXX XXXX ( XXXXXXXXXXXX ) that I would get {$100.00} sign-up bonus by opening a brokeage account by XXXX/XXXX/XXXX and transferred $ XXXX assets within 2 months. The sign-up bonus would be credited to me by XXXX/XXXX/XXXX. 

I applied the account with XXXX XXXX ( XXXXXXXXXXXX ) on XXXX/XXXX/XXXX and submitted request to XXXX on XXXX/XXXX/XXXX. $ XXXX assets was successfully transferred on XXXX/XXXX/XXXX. 

I confirmed that {$100.00} bonus with XXXX. So far, I have n't seen the bonus yet. I emailed XXXX a few times regarding to this. He said he was working on it, and I should see the credit soon. It 's a year now. and I still have n't seen the sign-up bonus.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NM)

On coinbase XX/XX/XXXX I sold I bitcoin at an exchange rate of {$12000.00}, {$190.00} in fees, {$12000.00} was supposed to be credited to my US $ wallet. I also sold some other digital currency in order to reach my daily {$15000.00} trading limit, which all cleared as normal and was able to wire those funds out of my account. My bitcoin is deducted from my account but the funds as of XX/XX/XXXX have not been credited. The transaction shows pending in history, but complete in my bitcoin wallet? I have filed numerous cases with XXXX and have not received any valid explanations, only automated responses. The email address they say to send requests for assistance to are disabled and, they claim no-one over the phone can help with deposit or wire issues. I have tried to contact them on XXXX, spoke to a rep on XXXX who never responded after I gave him my case id. My coinable case id # XXXX, the original transaction reference code for this transaction is XXXX. Also there is the tax issue I 'm not sure how to handle sold in XX/XX/XXXX but still have not received my funds in XX/XX/XXXX.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CO)

Back in the late XXXX 's early XXXX 's I took out loans in the amount of roughly {$13000.00}, then in the late XXXX 's I was contacted by the agency to inform me that I was in danger of defaulting. I was told what I owed at the time and the figures didn't sound right. I was sceptical because I recall that I had only borrowed a little over {$13000.00}, I expressed my concerns because I had been a victim of identity theft. I was told to just do the consolidation to keep from going into default and sort it out later. I haven't been able to sort anything out, since then thousands of dollars have been added to my balance, I have made numerous calls to find out why my balance was increasing but instead of giving an answer I have been bounced from one place to the other. I was told that it must be interest. Then all of a sudden I am told that {$43.00} of compounded interest had been added to my account. Now my balance is over XXXX dollars. For years I have been trying to resolve this all the while not being able to qualify for loans that I've needed, I have had to go to numerous payday lenders and poor credit lenders because I'm told my debt to income ratio is too high. This has caused a severe amount of stress to me, I have also started a small business but do not qualify for any lending products. This is affecting my credit very negatively.
Consumer complaint received 2018-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I purchased a car from a dealership and financed it through Capital One Auto Finance Account number XXXX. The Dealership never sent the title to Capital One and then the Dealer Ship went out of business. I continued to make payments to Capital one ( ON TIME ) for 6 months. I finally discussed turning the car back to capital one since I was unable to get plates or a title on it with the dealership being gone. 

Capital One is showing this as a repossession on my credit file with a balance owing that is just less than the original amount of the loan. 

1 ) I can not be held liable for a vehicle that I was unable to drive from day one until 6 months later when I turned it in. If anything, Capital One owes me just over {$3000.00} for a vehicle that I paid for and ONCE AGAIN ... could never drive for even one day. 

2 ) I certainly should not have a repossession and owe a balance of {$23000.00} for NO VALUE RECEIVED.
Consumer complaint received 2017-10-14
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. (DC)

After the Equifax data breach I used the " TrustedID '' service, logged in, looked at my credit report, and it 's totally  wrong. It 's someone in North Carolina. Every single thing in the report is for someone else.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (UT)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-03-11
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. (VA)

My name is XXXX XXXX who has been granted a Durable Power of Attorney ( Copy Attached ) by my sister-in-law, XXXX XXXX XXXX, to assist with her issue with Equifax. 

On XX/XX/2022, a conference call was convened that included XXXX XXXX and me along with the collection agency, XXXX XXXX XXXX ( " XXXX  '' ), reporting the derogatory markers that diluted the credit scores for the three national credit reporting agencies. The XXXX  representative agreed that there was a need to properly validate the legitimacy of the claimed amounts due as reported on XXXX XXXX credit profile. During the telephone call, the XXXX  agency representative was unable to supply proof of the debt. Further, XXXX XXXX states that she had never received any statements or applicable communication regarding the debt, and was unaware of the claim until she performed a routine check of her credit profile. 

Immediately following the call, I immediately confirmed the conversation in writing and advised XXXX  of their requirement to adequately prove the alleged debt as required by the FDCPA prior to attempting to collect the claim. I also placed Equifax on notice of their requirement under the FDCPA of their requirement to either substantiate the debt or remove the affected derogatory markers within 30 days of notice. 

More than thirty days has elapsed, and despite follow-up efforts, Equifax has not removed the delinquency markers from XXXX XXXX credit profile. It is noteworthy that XXXX XXXX has removed all of the derogatory markers from XXXX XXXX XXXX XXXX profile.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

My student loan debt is being illegally re-aged by the company that bought the debt, XXXX XXXX XXXX. They bought the debt in XXXX and are illegally re- aging the DOFD. My consumer disclosure file under FCRA 609 ( a ) ( 1 ) is pending but I was last able to pay my loans in XXXX.
Consumer complaint received 2018-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018..I called transunion and expressed to them the concern I had about inquiry in my credit..Customer service would not help take off the negative inquiries reporting on my credit report
Consumer complaint received 2019-10-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ZARVAD III S.A. (MI)

I received a voicemail from a XXXX XXXX. She left no identifying company that she worked for, but said that she would need me to be available on Thursday at my residence with a valid ID to " sign for certified documentation. '' She gave me a claim number, and a phone number to call the " mediation office. '' The voicemail was threatening in nature, and said that she would be at my home on Thursday with legal papers unless I called the mediation office and they gave her a " stop order. '' I immediately phoned the number that she gave me to the mediation center, and got the voicemail of someone named XXXX. There was no last name, and no identifying what company or entity he works for. I left him a message that they are no longer to contact me in this matter.
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I noticed an account from Procollect on my credit report on XXXX/XXXX/XXXX I have never received any communication from this company regarding this account. I contacted this company on XXXX/XXXX/XXXX and was advised of 2 accounts in their office I was told I could n't pay one without paying the other. 

This account should be removed from my credit reports immediately
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

In XXXX XXXX I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.
Consumer complaint received 2017-10-14
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. (MO)

I requested an investigation into the following unknown and unauthorized credit inquiries listed on my Experian credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Experian credit report. 

Thank You For Your Time.
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I ordered a chase card last XXXX. Over the course of months my credit card was being charged for internet purchases called 'cheng fei ''. After a couple of months my {$4000.00} limit credit card was charged for over {$8000.00} in charges. I called and wrote letters and Chase refuses to resolve this issue. 
I do n't know what the charges are for and I also do n't know how my credit card was charged over {$4000.00} past my limit. This is not legal! I have talked to customer service, the fraud department and even wrote a letter to the head of Chase credit cards. They refuse to acknowledge their mistake and refuse to remove the charges. 
I do n't know what else to do at this point
Consumer complaint received 2018-01-10
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. (NM)

XXXX XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove numerous fraudulent, unauthorized inquiries from my credit reports that were not made by me.
Consumer complaint received 2021-11-29
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)

My credit report looks not good. XXXX XXXX  XXXX XXXX. Where are these accounts came from. Im pretty sure that someone got my personal information. I dont know what to do now. My family is crying.
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (OH)

I have a unverified account from Aargon Agency. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g,  I request that Aargon Agency Cease and Desist all further communications. Aargon Agency needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Consumer complaint received 2017-07-31
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: JPMORGAN CHASE & CO. (TX)

This concerns an old Chase Bank Southwest Airlines credit card account that was a charge off. Chase bank contracted with XXXX XXXX, a third party collections agency, in XX/XX/XXXX to collect payment on this account on behalf of XXXX. XXXX retained ownership of the account and the third party collector worked on commission and did not report to the credit bureaus. In XX/XX/XXXX I paid off the above-referenced account. Since the payoff, I have made two disputes regarding the balance for this account with the credit bureaus and Chase. The major credit bureaus are reporting that Chase is verifying the account as having a roughly {$7000.00} balance when in fact it should be XXXX. XXXX XXXX confirms the account has been paid off, but claims Chase hasnt  checked with them at all about the disputed balance. Had Chase contacted XXXX XXXX about the disputed account, as they arguably have a duty to do, then they would have discovered the balance has been collected in full by their agent ( XXXX XXXX )
Consumer complaint received 2022-01-06
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. (FL)

Was diagnosed with XXXX and was ill. Called to make payment after recovery, autoamated system did not record payment. 
Original payment submited XX/XX/2020 recorded XX/XX/2020
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

I was given a credit of {$2000.00} with the Best Buy originally through City Bank. At a certain point they lowered my limit and this caused me to be over balance with them and have to pay extra fees. 

I was in college and the military at the time. This debt has been made whole with them. 

My credit score was lower, their interest rate was high, they lowered my limit which increased my fees and made it difficult for me to pay them the amount they were asking. This was in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (WA)

Since XXXX I have working diligently to save & build credit to purchase a first home with the XXXX program. Early XX/XX/XXXX I and the seller signed a contract for me to purchase a condo. The Title Co discovered a Judgement filed XX/XX/XXXX XXXX ( XXXX ) years prior. I was NEVER notified I lost my only opportunity to purchase my own home. Midland Funding XXXX XXXX ( XXXX, XXXX & XXXX ) did not respond to my " Settlement Offers '' mailed Certified and received XX/XX/XXXX & XX/XX/XXXX. At my advanced age, I may never have this opportunity again.
Consumer complaint received 2018-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter to Transunion and the creditor companies who reported to them about fraudulent inquiries on my credit report. It has been 3 months with no response. I have attached the list of fraudulent/unauthorized credit inquiries on my account : Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Steel River Systems, LLC (OH)

An unusual company is trying to collect on an old debt of mine that is 4 years beyond the 6 year statute of limitations, last paid on in 2012. I am asking for dismissal of their collections efforts immediately.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XXXX, I got a {$2000.00} loan from XXXX XXXX online.I paid for nearly a year, and after they automatically with drew a payment from my checking account, by mistake ( I'd switched to paper payments ) .they swore they didn't then tried to make me pay another payment! I filed for bankruptcy in XXXX, due to ANOTHER crooked outfit, a collection agency out of XXXX XXXX , Nevada , claiming I owed {$300.00} for magazines, that I didn't receive one issue from, nor one statement from! ), and quit paying them. I eventually couldn't file bankruptcy, and had a the lawyer that was supposed to have started the bankruptcy, try to get the creditors to settle a smaller amount for me.They didn't comply, thought.This past month, my credit score plunged 60 some points, due to them pushing late payments and an increase in the amount I owed! I am devastated, as I was getting ready to get a loan and pay up the bills left off from the attempted bankruptcy in XXXX.They never called me, sent me one statement, seemingly wanting to make my credit worse!