davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (IL)

In XX/XX/2019 my XXXX year old XXXX died and I was desperate for a car so I went to XXXX in XXXX WI. I had a bankruptcy on my file but other credit cards with exceptional repayment history. The only loan they offered me was Exeter Finance in Texas at 28 % interest. Normally I would NEVER take out a loan with this high interest but I was desperate. They should NOT have approved me for a loan at all!!!! XXXX told me I should be able to refinance it in 6 months. So I called Exeter at 6 months and they refused to refianance the loan. There is also an arbitration clause in the agreement that they demanded I sign and I was unaware of what it really meant at the time. They went through the paperwork so quickly I don't even remember signing it! Now it's over a year later and with COVID I've missed about 6 or 7 payments. They put 4 payments at the back of the loan and told me I would still be paying interest on the missed payments so I would owe even more money so it really was no relief. I've told them to come repossess the vehicle but they haven't done it. I even had it parked in a paid garage to keep it from damage!! To date they haven't picked it up. I had to move it because I cold n't afford to keep paying for the covered parking garage for it. They refuse to refinance and refuse to lower the interest rate. This is a {$19000.00} car! I owe {$24000.00} plus on it!!! More than I originally financed! The payment should be no more than {$250.00}!! This is the equivalent of a {$45000.00} car!!! It's predatory!!!!
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

I contacted XXXX XXXX aka XXXX on XX/XX/2020 to request verification of Debt. On XX/XX/XXXX I contacted them again to notify them that its been 45 days and I still have not received anything. They placed me on hold and told me that my account was now with XXXX XXXX. I contacted XXXX XXXX and they had no idea who I was. Then I called XXXX XXXX on XX/XX/XXXX they advised that they just received my account the day before and it would be forwarded to a collection agency in the next 3-5 days. I gave  XXXX more then 30 days to provide verification of debt and once I pointed out that they did not follow the guidelines they forwarded my account to another company to try to cover it up.
Consumer complaint received 2018-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC (CO)

I don't have any debt. None. I get harassing phone calls from companies all the time even though I have no debt and my phone numbers are listed on the do not call list. I attempted to complain to the do not call registry and the website pointed me here. Today 's call at XXXX XXXX was from XXXX XXXX XXXX
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: EQUIFAX, INC. (CA)

A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.
Consumer complaint received 2021-02-21
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I paid my XXXX mortgage payment to Mr. Cooper on XX/XX/XXXX. On XX/XX/XXXX, I had awakened to realize that Mr. Cooper withdrew an additional 2-months ' worth of mortgage payments ( including the extra amount that I typically pay towards principal ). I am not enrolled in an autopayment program with them, so it appears that they utilized my stored banking info to make these unauthorized payments. During my several attempts to reach their customer service line, I was placed on hold and then the phone would just disconnect. 

During the Covid-19 pandemic, I am thankful to be able to pay my expenses. However, by no means did I expect to pay a {$1700.00} mortgage payment on XX/XX/XXXX, only to have 2- {$1800.00} unauthorized payments withdrawn from my bank account 10-days later on XX/XX/XXXX. It is a weekend and I can not get anyone from Mr. Cooper on the phone to address this issue. When I called my bank, they were well aware of the issue and have received numerous phone calls from other customers who were also Mr. Cooper mortgage customers. Hours have passed, and the only correspondence from Mr. Cooper has been the following social media message almost blaming customers for payment issues, which the truth of the matter is that Mr. Cooper is responsible for billing issues that have resulting in stress, major bank account deficits and no quick resolution for their mortgage customers. 

Mr. Cooper 's social media message posted XX/XX/XXXX at XXXX XXXX  EST '' We are aware that some customers are experiencing payment issues today. We understand how concerning this is to those impacted, and we are working with the banks involved to resolve the issue as quickly as possible '' I'm writing today, to request that you look into this matter and the practices of this mortgage company.
Consumer complaint received 2021-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (NE)

On XX/XX/XXXX, I received a credit card from JP Morgan Chase which I did not apply for. I immediately contacted Chase and cancelled the credit card. I was advised the application was applied for on XX/XX/XXXX. I was instructed by their security team to place a fraud alert/freeze on my credit with all three credit Bureaus which I have done, as well as, contacted my bank and major credit card companies. I also reported it to the Sheriffs Department in my county. I belong to a credit monitoring company which has initiated an investigation. I am having the credit bureaus remove the fraudulent credit card request from my credit report. To date, no fraud has been revealed. After I reviewed my credit report I noticed that someone has applied for pandemic unemployment in another State other than the one I reside in. On XX/XX/XXXX, I contacted that State 's Office of Unemployment to verify that no one has received monies using my identity. I was informed the request was deemed as fraudulent and no monies were dispersed.
Consumer complaint received 2021-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (FL)

Received letter stating debt owed and in collection with a threat of if payment is not made immediately debt collection process will proceed. 

Confirmed with my bank per supposed account and debt, they have confirmed no such account # or any amount is owed.
Consumer complaint received 2021-03-25
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)

hello, I would like to report that these items that I found in my credit report recently are not mine. Its a fraud and I reported identity theft. I am very sad that now I need to dealing with removal of these accounts. I hope and believe that you make it fast because they are killing my credit report and my plans actually. I could not even imagine that I would ever face with this issue. I kindly ask you to help me and investigate this situation and delete those items. Thank you in advance
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CA)

They want to collect {$8000.00}, from me even though I owe them {$5900.00}. They employ all kinds of tactics to frustrate me. I made them an offer, considering my financial condition. They lied that I denied the charges, even though they interviewed me several times and I kept telling them that the charges were not unauthorized. Again, I never denied the charges. They made false declarations in court that I denied the charges. They took me to XXXX Court, but when I showed up they dismissed the case. They took me to court in XXXX XXXX, when I responded they keep switching lawyers and all of their actions are efforts to frustrate me. They are causing me emotional pains and distress. I made them an offer, which they said was a good offer, but they are not reconciling this with their representatives. I attach a false declaration that Wells Fargo N.A. made against me. 
The case was dismissed in XXXX, Texas.
Consumer complaint received 2018-06-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

Quicken Loans waited a week before closing to tell me my loan had been denied. This was after written approval from Quicken and over {$6000.00} in earnest money, appraisal, Survey and inspection fees. My loan officer XXXX XXXX assured me through out the entire process everything was ok with my loan. Because of Quicken Loans material misrepresentation of my approval I incurred fees to close the loan based on Quicken 's approval process. Worst experience ever!!
Consumer complaint received 2018-07-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Lending Club Corp (NY)

I have a 25 % -35 % personal loan with Lending Club out of XXXX XXXX, Ca. I took out a loan in XX/XX/XXXX. I took out another loan in XX/XX/XXXX. I was unaware that the New York state law allowed only a 16 % interest rate or less on personal loans from financial institutions. I sent a written request to Lending Club and was told that they loaned me this amount based on what the federal government allows. No specific comment was given why they gave a rate much higher than what NY state allows. Please send me information on how I can proceed with this lender since it appears the company is operating without regard to usury laws in New York State. 
Referenced law in NY : https : //www.dfs.ny.gov/XXXX Note : Attachment only contains one loan image since Lending Club has blocked access to the other loan. Both loans are over 25 %
Consumer complaint received 2021-10-31
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: EQUIFAX, INC. (PA)

All three credit bureaus continue to report inaccurate information, which a dispute letter has been sent certified receipt return. They continue to violate 15 USC 1681a ( 4 ) Consumer Right to Privacy, FDCPA 807 misleading False reporting. I have sent numerous of letters requesting method of validation and they continue to obscure the validation notice.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LL Services Parent LLC (NM)

Either today ( XX/XX/2021 ) or yesterday ( XX/XX/2021 ) Covius Mortgage Solutions pulled a credit inquiry on my husband and I. I was looking into refinancing opportunities but never authorized a credit inquiry from this company. I was on XXXX XXXX and a couple of other sites and gave my basic info only.
Consumer complaint received 2018-02-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

Hello, I have been locked out of my coinbase account that holds my funds for 50 days, starting Saturday, XX/XX/XXXX. I start trading using this account on XX/XX/XXXX and already verified my account and linked it to my bank account, which I used to wire the money to my coinbase account. 

I tried to recover my account by submitting a copy of my driver license online on Saturday, XX/XX/XXXX, and Sunday, XX/XX/XXXX however, because the name on the online account is different than the name on my driving license ( the name on my driving license contain an extra letter as an initial for my middle name, however, only my first and last name shows up at my account ), the process failed. I reached Coinbase customer service by email on Sunday XX/XX/XXXX and by phone on Monday, XX/XX/XXXX, XXXX XXXX  EST and submitted a high priority ticket ( as the agent told me ) due to the sensitive situation since I have all the needed documents for account recovery and the first and last name matches the name on the account. 

I did not hear back from coinbase and I tried to call them several times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) but unfortunately, the agents refused to give me any useful information or estimated time for coinbase reply which till now is taking almost two months  without the ability for me to access my funds. They also refused to transfer me to the department that handles the accounts lock out or to even contact them. Only one time the customer sevice agent promised that he will contact them on my behalf and will send me an update email, but he did not. The problem is that the market is a very sensitive one and I lost more than 1100 $ due to the change in the trading prices and the inability to sell or even transfer or use my funds. This is in addition from preventing me from access/invest my money. I still do not know when the company is planning to respond to a high priority issue, as stated by their customer service agents, which will further change the amount of loss I am encountering till this moment. I have a copy from all the emails that I received after each call.
Consumer complaint received 2021-02-25
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)

There are two accounts on my XXXX Equifax and XXXX that DO not belong to me I have been disputing these for almost two years and nothing has changed and no response back I need these off my credit because they do not belong to me. I dont know how else to do this and how to explain to the bureaus that these are not my accounts, XXXX - Acct # XXXX Amt {$31000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$8100.00} Opened XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2020-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BROCKELBANK INC (MI)

CB Manistee has several debts on my credit report with XXXX. The other 2 credit reporting agengies have removed these debts but XXXX  has not. I have tried and tried for a couple of years to get these debts straightened out. Sent copies of payments to cb manistee and the credit reporting agencies and yet they still appear on my XXXX  report. ALL OF THESE DEBTS FOR MEDICAL HAVE BEEN PAID OFF DIRECTLY TO THE HOSPITALS AND OR DOCTORS. THANK YOU
Consumer complaint received 2020-08-23
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: LEXISNEXIS (AL)

I have sent 3 letters to lexisNexis asking them to validate a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. Next I will be filing a lawsuit.
Consumer complaint received 2020-11-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (LA)

On XX/XX/XXXX Us Bank recieved my id verification and selfie i gave them 7 dsts to verify n unlock. Called back XX/XX/XXXX talk to supervisor and she said give them 24hrs to contact me they didnt call i called them now they saying its go take another 7-14 business days i will be homeless i nees my funds help please
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX, I paid off my Sears MasterCard with a balance transfer on a lower interest credit card. I called Sears that morning to find out the exact amount of payoff. The transaction was made on XX/XX/XXXX, the payment was made to Sears on XX/XX/XXXX. 
( I have credit card statement showing this ) After transferring the balance, I received a statement in the mail from Sears, which I will be honest with you, I did not open as I knew I had paid off the account and assumed that is what statement was, showing my payoff. 

I then received another Sears statement in the mail the following month and not understanding why I would be receiving another statement I opened it and to my surprise it showed that I owed {$100.00} The statement shows my balance was paid in full, but not posted until XX/XX/XXXX. The payment was made the morning of XX/XX/XXXX, and was confirmed with Transfer credit card that same afternoon. 

After posting my payment a day late, they charged me {$37.00} late fee, dated XX/XX/XXXX and then {$33.00} interest charges dated XX/XX/XXXX. 

Another {$37.00} late fee on XX/XX/XXXX and {$2.00} interest dated XX/XX/XXXX. At this point I called them to try to find out what was going on. I was told that the payment was not posted to my account until XX/XX/XXXX. I explained that I had the credit card statement showing that the transaction was processed on XX/XX/XXXX and was told by a Sears representative that " Even if your payment came in on the XX/XX/XXXX, it was not posted to your account until XX/XX/XXXX, which is late '' ... How is it my fault that they didn't process the payment on the due date? I mean if that is the case, the company could choose to process payments any old time they felt like it couldn't they? 

Sears was unwilling to waive the late fees. The interest they are charging me on my XXXX statement is clearly for the full amount which even by their own admission, Payment in full had already been made. There is no reason I should owe that. I called to find out payoff amount. The rest of the interest is on late fees. 
Can you please help me settle this? I do not feel that I owe them anything else. I PAID OFF my account in full on the day that it was due! 

Thank you, XXXX XXXX XXXX/XXXX
Consumer complaint received 2021-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NJ)

Coinbase Support XXXX - Error on APP. I opened a case with Coinbase and did not get any helpful response or help with my issues. 
I wanted to buy only {$150.00} on Coinbase for a coin. I log into app and make purchase. When I hit buy/purchase, the app showed a network connection error screen with widgets. I thought the transaction was not completed as I did not get a confirmation on the app or see any coin in my wallet. I tried to buy again same error. So, I tried 6 times total and error every time. Later I checked my email and see I bought the coin 6 times for {$150.00}. I reached out to Coinbase and tried to get the transaction reversed. They said they could not do that. Coinbase also told me I could sell the coins and try to recovery my money. I was charged {$2.00} fee per transaction to buy. Now they want to charge me $ XXXX fee to sell. In addition I had was also hit with overdraw fees on m y checking account and had to move money to cover. The money from Coinbase takes 3 days to return to my bank account unless I pay a higher fee to move the money back. Coinbase was very unresponsive and kept offer ing generic canned responses.
Consumer complaint received 2021-02-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021, I worked with a loan officer at JP Morgan and received a loan estimate of 2.625 % rate that was a match from XXXXXXXX XXXX. This was a rate with no points as confirmed by email and forwarded to XXXX broker. She confirmed they could match the rate because I was Chase Private Client and wanted me to stay with the bank. She mentioned that there was no issue with this and needed to confirm with her manager. 2 days later on XX/XX/2021, I received a call indicating that rate was not approved. They could offer me a rate of 3 % instead and asked that if I wanted the lower rate, I needed to transfer more money than the $ XXXX I already had with JPM. In the mean time, I lost the ability to lock the 2.625 % rate with XXXX XXXX  and ultimately was not able to get the rate I was quoted days before. 

This is not only infuriating but actually costs me money in the amount of $ XXXX over the life of the loan. This is incredible that the protection agency has not advocated to stop this practice. It should not take 2 days to lock a rate and if quoted a rate, this should be honored and provided in writing. There is no way for consumers to get shop if those rates take days to lock in and then they do not get approved. I lost the ability to lock in my rate with other lenders because of a direct lie from XXXX.