davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
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. (NC)

Contacted both Transunion as well as XXXX XXXX and have not had this issue resolved yet after numerous attempts. Inquiries on my credit report that were not authorized by me nor belong to me remain on my report. Inquiry dated XXXX/XXXX/XXXX XXXX XXXX.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IN)

Last week, I was trying to send money through domestic wire from my Chase bank to my crypto exchange account. Before I had been sending through debit which takes a 3 % fee. 

This time I was trying to send {$3000.00}. I did and Chase of course blocked it and my mobile log in. I called to verify and it was all good. But my wire transfer was canceled. It showed up as pending on my brokerage account though. 

So I try sending {$3500.00} and again was blocked my own bank. I called verified and logged in again to see my wire transfer canceled AGAIN. It showed up as pending on my brokerage account still. 

So now, I try sending {$5000.00} and they blocked it! I was furious, I called verified and made sure they sent the money. I logged in and see {$5000.00} out of my account. But this time no PENDING status on my brokerage account. IT WAS THE SAME ADDRESS. 

I'm pretty sure Chase lost my {$5000.00} and are coming up with excuses. I called my exchange and nothing.
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

1. On XX/XX/XXXX I entered into a loan modification agreement with Ocwen Loan Servicing that was offered to reinstate my mortgage. At the time of the modification, the balance of my first mortgage loan was {$84000.00}. The approximate balance on my second mortgage loan was {$24.00}, XXXX. 

2. In XX/XX/XXXX, I received an IRS form XXXX for debt cancellation from Ocwen Loan Services in the amount of {$77.00}, XXXX. According to the form I received, the amount was discharged on XX/XX/XXXX. 

3. Since Ocwen was the servicer on both my first and second mortgages and they offered a solution to help us, my husband and I were lead to believe that the second mortgage was modified as well. 

4. On XX/XX/XXXX I requested a pay off quote for our first and second mortgage. I was informed that our second mortgage was sold to a collection company by Ocwen Loan Servicing on or around XX/XX/XXXX. I was not even aware that the second loan existed because we were lead to believe that our mortgage was modified and both first and second loans were included. 

XXXX. What actually occurred is that Ocwen Loan Servicing offered what appeared to be modification solution to help my family, however, the discharged amount created additional tax liability, the balance of my first mortgage loan was not accurately adjusted to reflect the amount of debt discharged and Ocwen sold the second mortgage to a collection agency five months later without my knowledge. In fact Ocwen committed unethical and illegal underwriting practices. Ocwen created additional financial duress and burden by presenting what appeared to be a solution, but was actually misleading.

6. I contacted Ocwen Loan Servicing regarding the charged off account and was told that the second loan was not modified. Since the second loan was not modified, there is an accounting discrepancy. The principal balance of my first loan should not have been {$42000.00}. At the time of the modification ( XX/XX/XXXX ) the balance of my first mortgage loan was {$84000.00}. Ocwen Loan Servicing cancelled {$77.00}, XXXX per the XXXX I received from Ocwen. 

7. When I contacted Ocwen on or around XX/XX/XXXX about the discharged debt and incorrect principal balance, they were unable to explain the discrepancy.

8. On XX/XX/XXXX, I attempted to log into my online account and Ocwen Loan Servicing has blocked my access to my online statements.

9. I have been a victim of discrimination due to race and socioeconomic status. Ocwen Loan Servicing attempted to take advantage of our financial hardship. Ocwen is in violation of Truth in Lending Act and the Real Estate Settlement Procedures Act, as well as the Equal Credit Opportunity and Fair Housing Act.

10. I have attached a copy of the IRS form XXXX as well as account activity for my first and second mortgage loans.
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Portfolio Control Inc. (AR)

I was contacted my Central Portfolio Control over a debt from XX/XX/XXXX that was included in my bankruptcy from XX/XX/XXXX. The first time the company called me they were very rude and tried to intimidate me. Upon telling them that I filed bankruptcy they hung up on me and stopped calling but still put the debt on my credit report and even lied about the date. They stated it was opened XX/XX/XXXX which is a lie because the original charge with XXXX XXXX was from XX/XX/XXXX for my last XXXX XXXX. I spoke with XXXX at CPC on XX/XX/XXXX who in turn spoke with my lawyer 's secretary and the called me back to state the debt would be removed. I disputed the debt online on XXXX  per my lawyer 's instruction before XXXX ever called me back that day to say it would indeed be removed. The dispute came back as the debt will remain on.my credit report. The dates reported are false, XXXX at CPC XXXX stated the debt would be removed but lied to me. I would have not of filed bankruptcy at such a young age if it weren't for several medical bills for a XXXX  illness but I had to and it was XXXX and Central Portfolio Control is still trying to punish me. I should not be punished for a chronic illness/disease that has caused me to have several surgeries and XXXX XXXX  surgeries so far especially if I have filed bankruptcy to have it all removed and am trying to do better. I don't owe XXXX XXXX a dime anymore and have never conducted business with Central Portfolio Control, therefore I don't owe them for sure. I also have never received a bill for this charge from CPC, just one phone call where I told them I had filed bankruptcy and apparently that XXXX them off. I also never received a bill from XXXX XXXX for that charge since I filed bankruptcy so there was no way of me knowing this bill was even out there needing to be resolved. CPC eventually quit calling me and placed the charge on my credit report negatively. My lawyer is XXXX XXXX, XXXX.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX XXXX, 2017 I paid XXXX XXXX credit card company the amount of {$500.00}, which is the total of what I owed. The XXXX XXXX XXXX I received a bill from XXXX XXXX stating that I owed them. Which I knew could not have been true because I had just paid my owed debt out leaving a {$0.00} balance on my account. I have been a XXXX XXXX  card holder for about 4yrs. always paid my bill on time except twice. I 've paid over the amount asked. I have not have any problems with XXXX XXXX until now. When I called to find out the problem they told me that I owed XXXX, which as I told the lady that could not be so as I have n't order anything from XXXX. The lady called XXXX and let me speak to them this was cleared up with XXXX and they said they would make the adjustments, I received a e mail from XXXX  stating that the mistake had been corrected. I still received notices from XXXX XXXX that I owed money, by this time I am irate with them because I made it my business to paid XXXX XXXX and a couple of other bills completely out that my credit would be up to part. Now XXXX XXXX said I owe a member ship fee and from my statement I paid that it was covered by the XXXX paid them. This is wrecking my credit which I am trying to make right. I called XXXX XXXX again stating that I wanted them to close the account because I did n't owe them and the late charges were outrageous. The gentleman said that he had closed the account yet XXXX XXXX XXXXontinues to send me notices and bills, threatening me with not being able to use the card I canceled if I do n't paid. Please can this matter be straighten out.
Consumer complaint received 2024-01-31
Product: Credit 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: Chime Financial Inc (ID)

I had an unauthorized charge on my chime credit builder card for a company that I had never heard of on Saturday XX/XX/XXXX for {$49.00}. The charge was from XXXX XXXX XXXX. and when I called chime to dispute it in less then 24 hours of the dispute being filed they denied the claim and said the charge was valid and that I would not be getting my money back. This dispute was filed with chime on Mon XX/XX/XXXX after the charge was no longer pending. On Tuesday XX/XX/XXXX I filed a rebuttal on the dispute and for this charge I also asked for information on why they denied the dispute and they could not give me an answer. Today Wed XX/XX/XXXX I got notified that the rebuttal was also denied and that I would not be getting my money back for the unauthorized charge to my account. Also when I tried to contact the number on my statement connected to the unauthorized charge you either can't get to a live person and are waiting for them to pick up on hold for 18 minutes and then the call discounts and the one time I did get a live person they refunded to help me because I could not provide them with customer based info because I was not a customer of theirs and they hung up on me.
Consumer complaint received 2022-08-10
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: Self Financial Inc. (CA)

I RECEIVED A LOAN BILL FROM XXXX, EVEN THOUGH IVE NEVER HAD A XXXX XXXX XXXX XXXX, I CALLED AND THE BANK SAID I NEEDED TO FILL OUT AN IDENTIFY THEFT REPORT. JUST A FEW DAYS LATER, I GOT A CALL FROM XXXX ABOUT BUYING A NEW XXXX. I TOLD THEM I DIDN'T BUY AN XXXX. 
SOMEONE ELSE HAD GONE TO A STORE IN NEW JERSEY AND ADED TWO NEW LINES TO MY ACCOUNT. THIS SELF ACCOUNT I DID NOT AUTHORIZE!
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (CA)

I recently  applied for a home loan and was denied because of my credit. When I looked at my credit I discovered that AMCA was reporting a medical debt collection that I knew nothing about. I tried to call them but they would not discuss anything except how I was supposed to pay them. They have never attempted to validate this debt. I have not ever received any correspondence from them and I have not moved or had any disruption in my mail service. My insurance company should have paid this bill if it truly has anything to do with me ( wh  ich I do n't believe it does ).
Consumer complaint received 2017-07-08
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. (OR)

It looks like my name and credit report is mixed in with another person of the same name. I am  XXXX   years old  and have no credit history at all. On my credit reports it shows i have a credit card and that I have reported  XXXX  as a place of residence, which I have never lived. It is causing me to be denied for secured credit cards to begin building my credit because nothing is matching up correctly with the information provided.
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

On or around XXXX 2014 I lost access to an account on coinbase.com. This account loss was due to me changing my email address and the old address being deleted. 


Coinbase has failed to restore my account balance in over 6 months of waiting. 

I have filed 3 complaints through there support department and have failed see a resolution. I also requested the transaction history on this account and was told it was unavailable, a violation of federal law.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

This is the 2nd complaint that I am submitting against this company. I received a message from my lifelock acct that XXXX XXXX has placed a late payment for the month of XX/XX/XXXX on my credit report. I have never been late with making any payment to this account. I have issues with the company ever since the total loss of this car XX/XX/XXXX. ( you can reference my previous complaint that was filed about two weeks ago ). <P/>This letter is in regards to the late payment that XXXX XXXX is showing for XX/XX/XXXX. I have never been late paying my car loan with XXXX and I have the documentation attached to support this error. On XX/XX/XXXX, I totaled loss my XXXX XXXX XXXX. I had full coverage with XXXX XXXX as well as GAP coverage with XXXX XXXX. My insurance company sent in a payment to XXXX for the amount of {$13000.00} ( which is the amount they stated the car was worth ). This payment was received by XXXX the end of XX/XX/XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX. I was advised that even though they received a payment from my insurance company I would still need to make an XX/XX/XXXXpayment. On XX/XX/XXXX I made that XX/XX/XXXX  payment. After I made that payment, XXXX XXXX them sent another check in the amount of {$690.00} ( see attached ). My GAP company then submitted another payment for the remaining balance of {$3200.00} on XX/XX/XXXX and it was received by XXXX on XX/XX/XXXX. XXXX did not apply that payment until XX/XX/XXXX after I had to file a compliant and escalate this matter to the Office of the President for XXXX. They stated that because of all the payments that have come in, they need to remove the payment I made onXX/XX/XXXX, the payment that XXXX XXXX send for {$690.00}, and the GAP payment of {$3200.00} because they needed to apply the GAP payment first because they could not charge interest on that payment. This has been a nightmare dealing with XXXX. I received an overage payment from XXXX on XX/XX/XXXX in the amount of {$1100.00} for an overage. Not one time have I reached a 30 day late mark with XXXX and the paperwork attached is here to prove my case. This is only reporting on my Equifax credit report and it has cause my credit score for Equifax to decrease by over 50 points all because of their horrible computer system and their negligence. My credit score need to have the 50 points added back and that negative late payment removed ASAP. Thanks, XXXX XXXX
Consumer complaint received 2018-01-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Toyota motor credit Corp decided to report my account is opened. The account is charged off and closed. I disputed twice with XXXX and it come back verified and updated on XX/XX/XXXXandXX/XX/XXXX, i called several times to Toyota financial, no one can help there is not much information in system, i send a letter on XX/XX/XXXX, no answer. 
The account reported is open and the same time is a charged off ( the car was voluntary surrender on XX/XX/XXXX) -The balance is incorrect ( credit report .show original charge off {$3400.00}, new past due {$3600.00}, how the balance increased since is closed ) -Closed date is missing ( no date in credit report ) - Last payment made is incorrect ( my last payment was on XX/XX/XXXX ).
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certified Solutions, Inc (NY)

Every month I receive a collection notice from this company. The debt incurred because the medical people and the insurance company were not speaking. It has been taken care of, The bill was finally paid by ins. in XXXX.
I 'm in their system and automatically get these notices every month ( sometimes every few weeks. ) The medical office said I was not in collections. Yet they keep coming.
I called once and got a very nasty person on the phone who left me on hold for 10 minutes.
I 've written and told them to stop.
Bill was paid. Make them stop.
Consumer complaint received 2024-03-15
Product: Credit 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: WELLS FARGO & COMPANY (GA)

I am writing to formally address a grave matter concerning the mismanagement and potential theft of a registered security sent to Wells Fargo on XX/XX/XXXX. Despite my diligent efforts, the security valued at {$1700.00} has not been credited to my account. It is apparent that the security has been mishandled, and its whereabouts remain unknown. 

This blatant disregard for fiduciary responsibility and breach of trust is deeply concerning. As a trusted financial institution and transfer agent, Wells Fargo has a duty to uphold the integrity of transactions and ensure the safety of assets entrusted to them. 

In light of these egregious actions, I will take the necessary steps to report this matter to both the Treasury for a lost bond and SEC, FINRA alongside a financial securitization audit of my account I urge Wells Fargo to conduct a thorough internal investigation into this matter and take immediate corrective action. It is imperative that accountability is upheld, and restitution is made promptly. Failure to address this issue appropriately will not only tarnish Wells Fargo 's reputation but also signify a gross dereliction of duty towards its customers. 

I expect prompt and transparent communication regarding the progress of this investigation and resolution of the matter. Furthermore, I reserve the right to pursue legal recourse should Wells Fargo fail to rectify this situation satisfactorily. 

If wells fargo bank does not perform its fiduciary duties as outlined herein, I reserve the right to perform a revocation of your power of attorney using IRS form 2848 to abolish the trust and any power over the management of my financial affairs that has been established between me & wells fargo. This includes revoking authority from the issuer, depositor, sponsor, owner trustee, trustee, indenture trustee, as well as any other relevant parties.

. '' Per section 4.03 of the indenture, SECTION 4.03. Notice of Redemption. Notice of redemption shall be mailed by first class mail not less than 30 days or more than 60 days before such redemption date, to the respective Holders of any Bonds designated for redemption at their addresses on the registration books maintained by the Bond Registrar. Each notice of redemption shall state the redemption date, the place or places of redemption, if less than all of the Bonds are to be redeemed, the distinctive number ( s ) of the Bonds to be redeemed, and in the case of Bonds to be redeemed in part only, the respective portions of the principal amount thereof to be redeemed. Each such notice shall also state that on said date there will become due and payable on each of said Bonds the Lets not be at odds, I implore you to work with me for the continued prosperity of your company. I look forward to future investments with you. XXXX
Consumer complaint received 2015-08-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Accredited Collection Service, Inc. (NE)

i received a collection notice dated XX/XX/2015 back the beginning of XXXX 2015. They demanded payment on behalf of a company by the name of XXXX XXXX XXXX. I have never heard of this company, so on XXXX XXXX, 2015 I sent a written request for validation to ACS, in the return envelope they provided, and the first class postage I provided. On XX/XX/2015 I received another demand for payment, by they have yet to honor my request for validation of the debt they are attempting to collect.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (NM)

I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from Transworld and found out I owed about {$78.00} to XXXX. I paid Transworld I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called Transworld a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

An account on my credit report is stating that I have a past due balance and it's reporting negative on my report. The account has been paid off for months now but it's still reporting negative. I call the company that was handling the account and they looked into it and see that I don't owe anything so they sent me a dispute package and I sent it back with all documents that they requested about 2 months ago. I checked my report just recently and the account is still reporting negative.