davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I recently looked at my credit report ( XXXX, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XXXX / XXXX 2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.
Consumer complaint received 2022-03-10
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. (FL)

This complaint is in correspondence to complaint id : XXXX. Experian has responded indicating they will not investigate the " XXXX XXXX XXXX '' account again without new information because the credit grantor has already verified it. However, They still haven't provided proof of the method of verifications after the many requests through mail. They haven't provided any documents whatsoever but are inaccurately stating that this account belongs to me. I have not received any proof of debt or document signed by me that validates the debt but they insists that this account is verified. Laws in 15 USC 1692 have been violated by this companys action and so are my rights. They are indicating that the information that I presented is irrelevant but Experians date of last activity is not consistent with the others, it states the account is past due and repeatedly reports collection every month, it reports an increase of balance and at some point in time stated the collection account status was open. I have provided the proof, this information is relevant because they are not in compliance with FCRA guidelines. Why insist something is verified with no proof, why can't they provide the method of verifications.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Called customer service to report I had paid on a Sunday instead of Saturday bc of the short month, I thought the second was Sunday. Representative was polite but not helpful. I have kept my payments current through Gov shut down and non payment, meaning receiving no income. This month was 28 days, this was a honest human error on my behalf and humbly request that the late fee be removed from my account. The payment was due on a Saturday, paid on a Sunday.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank made some deposits totaling about {$300.00} into my account. These were done by mistake. So they alerted me about 2 weeks later that {$500.00} some odd dollars would be withdrawn from my account, which it was. I understand the {$300.00} going back to them but the {$200.00} that they took is MY money. Ive been fighting this for 3 weeks now. Ive made numerous phone calls, spoken with at least 6 people, have been hung up on 3 times. My car insurance will be cancelled tomorrow because Chase wont send my {$200.00} back. Please help. I dont know what to do at this point.
Consumer complaint received 2019-03-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZARVAD III S.A. (CA)

Representative was rude used abusive language to the receptionist, Over talked the receptionist and myself was rude and unprofessional. I told the representative on the line that i revoke their permission to contact me at any listed number. She said she didn't care and continued to harass me over the phone. I asked her not to call again. She claimed it was a recorded line. I said all of this on the recording. This occured on XX/XX/2019 between XXXX - XXXX XXXX.
Consumer complaint received 2017-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (MI)

I recently disputed an item with XXXX XXXX XXXX and it was determined that this was not my item and that i was not responsible for the charges that were incurred so with that being said I received a corrected credit report with the item deleted from all three credit bureaus. I recently applied for additional credit and this item has magically reappeared and also after removing the item they sold this account to a lawyer.
Consumer complaint received 2019-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

We have filed a Insurance claim back in XXXX of 2018. Since then we got an estimate in the amount of XXXX. We have sent this to the Mortgage company and explained to them that this was half of what the contractor was wanting to do the same work. They were asking for XXXX up front and were waiting on the Insurance company to correct the their estimate. Since then we filed a complaint against the Mortgage company and finally got a XXXX of the amount originally estimated. We now have the Insurance company to agree to increase the cost for the same work and we settled at {$81000.00}. The Contractor is now ready to start the work but needs the difference in the XXXX amount up front. The mortgage company can not under stand the estimate so they are sending out inspections of work that has not started. They sent out an inspector less than a week ago and now want to come out again. We keep telling them there has not anything done because we need more money to start the work. I have called several time and today was on the line for 1hr and the last thing they told me is the same thing they told me at the beginning of the call, we need to inspect with the new estimate. Again this is the same estimate as was used on the last estimate just for more money. The Inspector even said there was no need for him to come out when there is nothing done. We have spent over 20,000.00 in material that are here at the house, only waiting for the contractor to start the work. On top of all of this I have had major XXXX and not able to work for a couple of more weeks and my home is torn up waiting for the work to start. Please help up so we do not get into a foreclosure issue.
Consumer complaint received 2019-03-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I received a call from XXXX from XXXX XXXX stating they were from Carrington Mortgage who handles my current mortgage. They stated that I was turned over to legal for unpaid escrows and I will lose my home if {$1000.00} was not paid directly to them by XX/XX/19. 
I called Carrington themselves and verified that this was not factual and turn in the information to them.

Carrington is researching at this time as well.
Consumer complaint received 2019-03-04
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: Exeter Finance, LLC. (TX)

On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.
Consumer complaint received 2021-02-03
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. (LA)

My name is XXXX XXXX XXXX. I notified this credit bureau that I am a victim of id theft. I sent them my supporting documentation over 30 days ago and still have not received a response. This information on my report does not belong to me and needs immediate attention. this is in violation of the fair credit reporting act
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i have an unemployment card that i haven't used since back in XX/XX/2020. I had an available balance of {$600.00} at that time. I recently noticed a charge on my account that i did not authorized on XX/XX/2020 for {$220.00} for a XXXX  purchase at XXXX, and a two other transactions for XXXX  at a XXXX XXXX for {$100.00}.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (WV)

We started the refinance process on XX/XX/XXXX with our current mortgage company, NewRez, LLC. We completed all necessary documents by XX/XX/XXXX. We submitted all documents requested in an extremely timely manner. We paid {$750.00} for an appraisal that was completed in XXXX with report sent to New Rez on XX/XX/XXXX. Since that time it has been one email after the other about why the closing is delayed. This has been 4 months and the closing was scheduled for tomorrow and they just canceled it again, no reason given. I have wasted months on this. Please look into this very unethical business practice.
Consumer complaint received 2017-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OK)

I have a Walmart master card. I pay my bill early every month. I made a payment of XXXX usd and it was an early payment but they charged me a late fee because the payment was not what they recommended. Then at some time in the last 2 months I 've been charged XXXX dollars. I have a situation in my life that no one can fix. I think someone paid them to up my bill
Consumer complaint received 2020-05-06
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. (NY)

There are four inquiries that have passed the removal date without being removed! 

XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Again - this is effecting my credit score!
Consumer complaint received 2017-10-02
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. (LA)

I contacted Equifax on XXXX XXXX, XXXX about several inquiries that I did not give any authorization to pull my credit report. I asked them to please dispute the information. I received a letter today XXXX XXXX, XXXX that the investigation is completed and the information is accurate. This is less than XXXX business days later I am inclined to think that they did n't investigate each of these inquiries with each of these companies as they 've provided no proof that my consent was given. I would like these inquires removed as result.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I disputed several accounts for big inaccuracies and only one account was removed for only one bureau while there are more inaccurate accounts, besides, investigation is taking so long and the bureaus haven't sent any response.
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Hi, I am currently awaiting 2 x {$10000.00} withdrawals from Coinbase for over 10 days. The withdrawals appeared to be complete on Coinbases ' website but my bank account has not been credited. I attempted to make these withdrawals on the XX/XX/XXXX and XX/XX/XXXX. 

I 've contacted Coinbase support via email, created a ticket ( Case ID : XXXX ) on their website, contacted them via XXXX, and messaged their moderators/employees on XXXX and have yet to receive a response. 

This is worrisome.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2017-12-26
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX, AND EXPERIAN HAVE FRAUDULENT INFORMATION ON MY REPORTS IN MY NAMES AREA OF MY FILES THIS IS THE FRAUDULENT NAMES. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) MY SOCIAL SECURITY NUMBER ENDS WITH ( XXXX ) THERE IS A VARIATION THAT END ( XXXX ). I HAVE ATTACHED MY POLICE REPORT TO PROVE THE FRAUD THAT WAS DONE IN MY NAME.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

XXXX XXXX, XXXX, XXXX, XXXX XXXX : Attempted to confirm receipt of payment. Did not go though. XXXX XXXX : Asked for reason why multiple attempts to update bank account were unsuccessful. No reason given. XXXX XXXX : Requested removal of authorized user. Rep stated that she tried but the system would not allow her to do so. Request employer is number or extension - Rep refused & said that anyone could assist
Consumer complaint received 2017-10-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I have been receiving constant aggressive collection calls from Credit Acceptance since XXXX XXXX XXXX threatening to disable and repossess my vehicle. My vehicle was repossessed XXXX/XXXX/XXXX and redeemed on XXXX {$43.00} represent partial payment for repossession fee altogether total of {$520.00}. They after I redeemed my vehicle did set a payment arrangement of {$300.00} of which {$19.00} was being applied to the remaining repossession fee. I had a family emergency in the month of XXXX and I mailed my monthly payment to them in the amount of XXXX which still satisfied my regular monthly payment of {$280.00} plus {$10.00} extra applied to the repossession fee. The payment agreement monthly schedule was to be paid on the XXXX of every month in the amount of {$300.00} until the repossession fee was satisfied. I mailed the payment out on XXXX XXXX they said that the payment was received late past XXXX the check cleared my bank on XXXX XXXX so that defaulted my payment agreement and they demanded that the remaining balance of the repossession fee be paid in full. I tried to explain to them the reason why I mailed my payment out on XXXX XXXX but they would not accept my explanation. I asked them could my payment agreement be reinstated and I would use the online payment method to make my monthly payments and that way the payments would always be on time. They refused to reinstate the payment agreement and said that my vehicle was in jeopardy of being XXXX because I have an outstanding balance. Since then I have been paying the {$300.00} and then I paid for XXXX an additional {$15.00} and for XXXX I paid an additional {$25.00} along with the {$300.00}. I am still continuing to receive collections calls from Credit Acceptance 3-4 time s a day the last time was today XXXX XXXX, XXXX
Consumer complaint received 2017-07-07
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. (PA)

This complaint is about XXXX credit bureau. I was tried so many times to talk with this company about my credit report.they are reporting a bad credit score. They improperly used and shared with unknown companies with out any information.becasue of this bureau I have faced lot of problems here in USA. Last month it was XXXX my credit score. This after paid couple of transactions they decreased my credit score to XXXX. They are fraud reporting my credit. They are mis using the law. They are cheating customers as well as us government.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NC)

On X/X/17 I applied at XXXX to purchase a vehicle, once approved and ready to take the final background Quiz, done through the public information system ( LEXISNEXIS ), my last name was spelled wrong by one letter. Upon calling and going through the automated messages I finally got through to the proper department. They told me the best they could do was file an investigation into the matter and would not put me through to a supervisor. They said the investigation would take 40-60 days and hung up at XXXX because the woman said the office was closing.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

Company Name Account Amount Comments Portfolio Recovery Associates {$1100.00} This is not my account. 
Portfolio Recovery Associates {$820.00} This is not my account. 

Under federal law, you have 30 days from receipt of this letter to re-verify this entry. It should be understood that failure to do so within a thirty-day period constitutes reason to promptly delete the information from my file FCRA 15 USC s 1681i ( 5 ) ( A ).

Also, pursuant to USC s1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the previsions of 15 USC section 1681j, there should be no charge for this notification. 
Additionally, please provide me with the name, address and the telephone number of each credit grantor or other subscribers that you contacted for follow up.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (OH)

The checking account that I use to pay this credit card was compromised twice, where money was fraudulently stolen from my account. On each of these occasions I had to close the checking accounts. Payments from these accounts did not reach XXXX XXXX XXXX because of this. I have explained to them over the phone and in writing what happened. They refused to remove the late payments, that were out of my control, from my credit report. I am asking for help in getting this resolved.