davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MI)

I had a debt with Amazon/Synchrony Bank. The amount owed is indispute based upon amazon 's rejection of prior returns, without any notification of what the returns concerned. 
I also was charged an amount in excess of the quoted Amazon amount. I would like a current balance so I can timely make payments as I always have and that the 3 Credit Reporting Agencies be advised payment is current or disputed.
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

On XX/XX/XXXX I submitted a wire transfer request from my bank to Coinbase to fund my Coinbase account. The wire transfer I submitted was for {$5000.00}. 

Wire transfers are supposed to post immediately. 

On XX/XX/XXXX I received an email from Coinbase informing me that they could not apply the funds to my account due to a naming mismatch. In the message Coinbase stated that it could take up to seven business days to process the refund / redeposit. It also stated that in case you do n't receive the funds within 7 days to contact them via a support email address. ( XXXXXXXXXXXX ). 

On XX/XX/XXXX I emailed Coinbase to get an update and received no response. 
On XX/XX/XXXX I emailed Coinbase to get an update and received no response. 
On XX/XX/XXXX I emailed Coinbase to get an update and received no response. 

On XX/XX/XXXX I called Coinbase support and after explaining the situation I was told that my ticket was going to get prioritized and that I was going to get an update as soon as possible. Now a week later, I have yet to receive any kind of update.
Consumer complaint received 2019-05-15
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. (CA)

the following account two ( XXXX XXXX ) accounts are reporting under my name, which are not mine, these are someone elses information reporting under my name, and could be an ID theft issue which i have been disputing with equifax who have not been helpful at all. please as a consumer i need you r help to have these inaccurate two loans removed from equifax credit reporting, appreciated
Consumer complaint received 2020-09-22
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: EQUIFAX, INC. (TX)

In XX/XX/2019 I noticed several hard inquiries that I didn't recognize. Called the credit bureau to dispute them and they are still on my credit report. Bureaus response are they are a factual part of my credit report.
Consumer complaint received 2019-05-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (FL)

Sent verification letter to XXXX XXXX XXXX on XX/XX/2019, never recieved verification on Debt. Wrote original creditor XXXX XXXX and the sent letter back saying they had no information on me.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

XXXX  has failed to investigate a legitimate dispute that I have filed on several occasions. The information with the dispute results is inaccurate and does not add up. I sent in supporting documents, which they deleted and did not send to the creditor. I wasted a month for a report that shows the last time the account was even updated by the creditor was a month prior. None of the comments or history are accurate. There are insufficient dates and data history. I provided ample evidence showing these payments were completed and withdrawn from my checking account, and provided evidence supporting each of my claims to clear this up. When I attempted to reinvestigate the dispute, I was alerted that my dispute was modified for another thirty days. This is incorrect derogatory information being reported, and the credit agency has caused more harm than help by neglecting to investigate my dispute properly. I attempted phone contact with the company, only to have my calls re-routed over and over again.
Consumer complaint received 2021-04-22
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: CUSTOMERS BANCORP, INC (CA)

I received an alert of two hard inquiries to my credit. I have not applied for any credit cards or loans. The companies the had the inquiries are XXXX XXXX XXXX and XXXX / XXXX XXXX. I could not reach XXXX and XXXX stated they didn't show anything. Contacted XXXX to dispute it.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (PA)

I applied and was approved for a commercial credit account. I was given a reference number to use for purchases before the card arrived in the mail. At the store, this reference number found my account, but was giving errors and could not be used. Corporate employees did not understand the issue when both myself and in store employees explained the issue. 

Apparently the account had somehow been made half commercial and half consumer and would not function despite all attempts from the in-store employees. 

After XXXX hours at the help desk, we decided to try clearing the entire account and starting a new application. The new application was rejected due to the previous account.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$1300.00}
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP (ME)

I do paperless banking with key bank. I monitor my accounts, including my buusiness credit card balance online and on the key bank app. 
I received a call yesterday that there is a 53 days late payment with payment of {$100.00} due. The balance on my online banking is showing XXXX balance, which i conveyed to the bank representative calling and asked that They not charge me late fees and withdraw any derogatory report to credit bureau. 
I made a full payment of {$600.00} to close the matter, but I asked for refund of all late fees considering that that balance was not visitble to me and is still not. 
The customer service declined to do so and could not see or access the accounts in question to verify. 
While I am now closing the credit card with key bank, I feel that they are not doing enough to rectify a problem that they are responsible for and not willing to withdraw any report to credit buearau.
Consumer complaint received 2018-01-24
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: U.S. BANCORP (CA)

US BANK Inquiry Date : XX/XX/XXXX US BANK CONSOLIDATED inquiry date : XX/XX/XXXX-XX/XX/XXXX I have never applied for US BANK on this dates, us bank consolidated put 2 inquires on 2 different days and us bank 1 one inquires on mentioned date, i never gave permission to put inquiry on my XXXX report.
Consumer complaint received 2015-08-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (PA)

I went thru a bankruptcy in the XX/XX/XXXX and at that time I had a car loan with GMAC who switched it over to Ally Bank shortly before that. Once we went into Bankruptcy we stopped getting statements and they shut my internet account access out so I could not track or even see any information in reference to our loan. We continued to make our regular automatic payments thru our bank. So, I got a call in XXXX out of the blue from Ally Bank stating I am behind on payments? I was confused and asked for a statement of my account so I could check on this and all they sent me was a payment run of all the payments since XX/XX/XXXX. No balance, no payoff amount listed, no late fees, nothing, just the listing of all the payments and dates the payments we made? So, I contacted Ally Bank back to discuss the balance and the payoff and they said I missed a payment at some point in the loan. Now keep in mind I have no idea when that could have been considering that I have n't had a statement XX/XX/XXXX and I was never notified in writing of any issues period! They said my payoff was almost {$400.00} more then what my calculated balance should be and they said OH there is late fees and compounded interest that I was being charged that makes up the difference. I told them at that point I was never notified in writing about any of this and asked them to send me a detailed statement showing all the extra money and fees they are trying to charge me and I never received anything??? I figured they realized they were wrong and had nothing to send. I tried calling them again but this was such a hassle because my husband is the primary borrower they needed his permission to speak with me every time I had to call because I handle all the financials. Now my husband XXXX who works nights and I work full time days and we are like two ships in the night passing by so coordinating these phone calls were nearly impossible and they would not talk to me otherwise! So, I honestly thought it was the reps on the phone mistake because they did not contact me again after that. Today I calculated all of our payments and I show we owe {$130.00} left on a {$31000.00} loan but the Ally rep on the phone said our balance is {$520.00} and this is {$390.00} more than what I should owe and she stated that we owe {$250.00} in late fees! And the other amount {$130.00} is interest on these fees!! How and why should I be responsible for any of these extra fees if we were never notified?! Because I would have taken care of anything back when they say this happened if I was notified and I would have avoided these fees! Just for the record the bankruptcy was not a personal bankruptcy is was a business bankruptcy and I continued to pay my bills as well as the business bills from our personal funds and we made good on my car and my house! How can they charge me fees for years and never notify us??!!
Consumer complaint received 2017-02-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Penn Credit Corporation (FL)

I have never received one bill and have never rode in an ambulance this is not my bill and it should not effect my credit since this is the first time I am seeing this bill that is n't mine. This must be removed from my account or else I am going to take this to legal .i am filing a police report today.
Consumer complaint received 2017-02-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

Multiple times I have attempted to pay down my student debt which is held by Navient, only to find that my attempts to pay did not work. The website did not correctly apply the amount I wanted to pay. This issue occurred more than XXXX times. I would be under the impression that I completed a payment and then I would go back a few months later to find that the payment did n't go through. The first time I assumed it was user error, but after that I was very careful about completing the process. XXXX further times, after making sure I completed everything the payment did not go through. A fellow student was having the same issues so we got in contact with a customer service representative and they were less than helpful, telling us it was obviously an issue on our part.
Consumer complaint received 2016-10-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NV)

Iam filing a complaint against Navient department of education loan servicing. I have been a student since XX/XX/XXXX, loan repayments are not due until you finish school. Right now Iam under the loan forgiveness program because Iam unable to start making payments. I have called every month for the last 5 years to indicate if I need I am able to make the monthly payment or if an extention is needed but the agent forgot to update my account and now my credit report is showing XXXX derogatoring marks, that is drastically affecting my credit. Navient is reporting that I have XXXX late payments for XX/XX/XXXX, and that is not correct. I have tried contacting them sending them letters to fix and delete the mistake made by their agent and I get no response from them! I have asked them in several occasions to please mail me the copy of my forbidance letter and they never do!! All they send is a summary of the bill.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank has refused to accept my payment for my credit card. It is due on XXXX/XXXX/2015 and I tried for three days to pay it. I attempted this via phone and online and was refused. Also, a rude branch representative named XXXX refused my payment and told me to " deal with bill collectors ''. 

I did more than enough to try and pay my bill in full. Chase is circumventing my efforts and is orchestrating this situation so that I incur finance charges. They are making me miss my payment due date, which will harm my pristine credit.
Consumer complaint received 2017-10-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VEROS CREDIT, LLC. (LA)

I owned a vehicle financed by Veros CrediXXXX XXXX at XXXX XXXX, Ca. The vehicle was XXXX to their possession but they recorded this erroneously as a XXXX as opposed to a voluntary XXXX. Furthermore, the vehicle was auctioned for an amount up to the value of the remaining loan balance and Veros Credit ceased reporting this to the credit bureaus as such. Instead, they are reporting that I owe the an approximate amount of {$4600.00}. They have done this for over 60 days. Additionally, when I spoke with a representative prior to the auction, I was advised that any monies obtained from the auctioning of the vehicle would be applied to the account and would therefore reduce my liability by that same dollar amount. Veros Credit has been made ware that they have been reporting incorrectly. I would also like to note that I am not interested in direct contact with the company. They may only reach me through the means of the CFPB. The mailing address, nor any other applicable personal information provided is not to be reported to any consumer reporting agency, nor to be used in any attempt to collect any debts, especially due to the fact that it is a disputed issue. Give our relationship in which they engendered mistrust, Veros Credit does not have my permission to utilize any personal information in any manner, not even for their purposes. The keys to the vehicle were provided willingly to an agent appointment by Veros Credit, which is therefore an implied surrender of the vehicle. In short, that is not the only aspect of the account/reporting that is being disputed as untrue/problematic, but also the collection amount.
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

I sold and closed on a property that I owned on XX/XX/2016. I paid the remaining balance on the mortgage to Wells Fargo. On my credit report, Wells Fargo reported that the property was foreclosed ... That was a deliberate act. An email was sent to Wells Fargo to correct this foreclosure reported on my credit report. However, I never received a response from Wells Fargo. Recently, I completed a dispute with the Three credit bureaus. In response to the dispute, Well 's Fargo changed the name of the lender for the mortgage as XXXX XXXX. I contacted XXXX XXXX to find out more information about how the loan was reported to be closed and paid to them. I was instructed to file a complaint with CFPB to get more information. In addition, the representative I spoke declined to provide me with the exact date that the foreclosure was reported to them by Well 's Fargo. I aslo sent a certified letter to Well 's Fargo requesting that the correct information be added to my credit report, in addition that the loan final payment was made with a check sent to Well 's Fargo, not XXXX XXXX. It has been 2 weeks, I have not received a response from Well 's Fargo. The lack of action and the deliberate act of fraud by Well 's Fargo has  prevented me to obtaining a conventional loan for the past eight months.
Consumer complaint received 2017-04-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

i have a sears master card which i have not used in many years recd a invoice with a XXXX XXXX dollar charged for phone services fir an inmate in al. told sears the whole story also told them account was breached or hacked close it and i never use it got a letter saying i dont have to pay the min balance due really im in mass. not Alabama still have not closed my account i wanted to know if this was a breach and my info was stolen still have not heared people should know of this if it was a breach
Consumer complaint received 2019-10-21
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: WILLOW BEND MORTGAGE (TX)

I see on my XXXX  report that on XX/XX/XXXX XXXX XXXX did a hard inquiry on my credit and opened an account. I have NO knowledge of dealing with Will Bend Mortgage nor have I opened any account. They say I paid a XXXX, XXXX, XXXX, XXXX and XXXX of XXXX payment and payments are correct and timely. There is a XXXX credit line of which XXXX is owed. 
I have never made any payment to Willowbend or XXXX XXXX or have applied for any credit with them. 
This is in correct information on my account and would like it removed. 

Thank you
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my right to privacy and reported information without my written consent which is illegall and against the law. 

Below are the codes that were wrongfully used.

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604. It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX has harrassed me for months with unsolicited calls and vociemails, and by reporting wrongfully used information, my credit score has drastically dropped by XXXX points. 

I would like this item removed from my credit report.
Consumer complaint received 2020-10-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (VA)

ClearPath Lending is sending false and misleading offers to lower my VA mortgage. When I called to be removed from mailing they hung up on me. 

For example, the offer is to lower my VA Loan rate to 2.25 % Rate, 2.45 % APR for VA loans ; I know this is erroneous information from current VA loan rates. 

On XX/XX/2020, ClearPath Lending Inc entered into a Consent Order with the Bureau of Consumer Financial Protection. The order settles allegations that the business sent consumers mailers for VA-guaranteed mortgages that contained false, misleading, and inaccurate statements or that lacked required disclosures. The order alleges that the advertisements created the false impression that ClearPath was affiliated with the VA, misleadingly advertised rates or payments as fixed, even though the advertised mortgage was an adjustable-rate mortgage or the payment was not fixed for the indicated duration. ClearPath also allegedly misrepresented the existence, nature, or amount of cash or credit available to the consumer, and the existence or amount of fees or costs to the consumer, in connection with the advertised mortgage. Under terms of the order, the business agrees to pay a civil penalty of {$620000.00}. The order also imposes injunctive relief to prevent future violations, including requiring ClearPath to bolster its compliance functions by designating an advertising compliance official who must review its mortgage advertisements for compliance with mortgage advertising laws prior to their use ; prohibiting misrepresentations similar to those identified by the Bureau ; and requiring ClearPath to comply with certain enhanced disclosure requirements to prevent future misrepresentations. XXXX  XXXX was for settlement purposes only and should not be considered as an admission of guilt or finding of violation of the law. 

Clearly they're not following the injunction. 

Secondly, I filed an opt out for firm offers of credit and insurance at optoutprescreen offers in XXXX of 2020. The offers of credit have all but stopped except from ClearPath Lending. This company is a menace and should be avoided.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

Account was with Wells Fargo/XXXX XXXX. Account was closed by company as if I closed the account. The company closed the account and caused a huge drop in my credit score plus I was going to purchase more furniture from the company. I would like to have the account reinstated
Consumer complaint received 2018-01-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I made a test bank transfer of XXXX euro from my bank to my new coinbase account on XX/XX/XXXX, i made a mistake of entering the reference number as btc instead of my XXXX digit coinbase reference, my bank say coinbase have received the funds on XX/XX/XXXX, i assume this is why it hasnt showed in my coinbase account, i accept I made a mistake but my money has disappeared and coinbase have n't made any attempt to rectify this and wont respond to my many attempts to contact them.