davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VEROS CREDIT, LLC. (VA)

Follow up to closed complaint No. XXXX, I have requested that Veros Credit provide justification for unexplained balance of roughly $ XXXX. No justification, nor policy has been provided nor has Mr XXXX or anyone in his department responded to my legal representative XXXX XXXX. XXXX XXXX as well as myself have concerns of misconduct and intentional mishandling of my account and payments being applied incorrectly. The payments have been inappropriately applied to interests in amounts exceeding 400 dollars in some payments. I request that Veros Credit remove all derogatory marks dating back to XXXX of XXXX. Final payment of the the four deferred payments will be made no later than XXXX, this will leave Veros Credits unexplained and unjustified remaning balance of roughty {$1400.00}. Veros Credit continues to duck contact from my legal assistance representative XXXX XXXX. Several attempts to contact via email, mail and fax have been made with no response. I'm currently on XXXX and this ongoing issue with Veros Credit has been made known to my command stateside.
Consumer complaint received 2020-05-11
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. (AL)

PLEASE SEE THE ATTACHED INFORMATION!! 
XXXX, EQUIFAX, AND XXXX I NEED TO KNOW YOU ARE GETTNG YOUR REPORTING INFORMATION FROM. PER XXXX XXXX WITH XXXX XXXX  YOU ALL ARE THE PROBLEM
Consumer complaint received 2018-06-22
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. (WA)

My son moved to XXXX several years and terminated a phone contract with XXXX - he was told there would be no early termination fee after he went up the chain of command at XXXX because he was leaving the country. We received no bills after that. In 2015 I had a credit check done and a delinquent bill came up to XXXX in the amount of {$100.00} ( evidently they did end up charging him/me an early termination fee ). I called XXXX, told them we were not even aware of bill and I immediately paid it to resolve issue. This week in the process of buying a car I saw this issue is still on MY credit report. I disputed it with XXXX and after checking with XXXX they kept it on report. I then called XXXX ( where I am a very loyal customer ) and they stated there is nothing they can do to remove it from my credit history - that I will have to wait the 7 years?! Do I have no recourse? How do I get this removed from my credit history - I had no awareness of bill, no communications - and neither did my son for that matter. Thank you for any assistance you can provide.
Consumer complaint received 2020-08-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (ID)

I had this set up for auto pay. Every month I had to sit on phone for an hr to get it fixed or payed. It Was just for the fee they charge. I have called and had investigations done. All chase does is move the lates around from one month to the next. All my credit is 100 % pay on time for 20 year and more then 28 accounts. Funny I only have a problem with chase bank for two years. What was funny at the time I did the loan this bank said I was a XXXX credit!! Ok well 1 week later I thought I would refinance it and I had XXXX come back with a score of XXXX. Yes I know of the difference models but 120 points. This should be illegal! I took the truck and traded it off to get rid of Chase. Bank needs To be investigated for illegal charges and plus I never talked to a US person once to try and fix the problem. Not a good bank with all the complaints
Consumer complaint received 2018-03-12
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. (TX)

Saturday XX/XX/XXXX I checked my credit score in the morning on XXXX  XXXX and it was XXXX, the same day in the afternoon my credit score went down 57 point with no reason
Consumer complaint received 2018-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

Hi, I accidentally sent XXXX electrify XXXX tokens to a XXXX address that XXXX uses for my account for ethereum token transfers. XXXX. 

Once those tokens were sent and in Coinbases possession then XXXXoinbase decided to not return them to me. They are the only owners of those private keys and could return the tokens to me if they chose to, but they choose not to because it would be work for them to manually send the money back. This is over {$1200.00} in value lost to me. 

I'm simply asking them to refund the tokens to the address that they came from : XXXX Their response : " Unfortunately, our key-signing mechanism is not equipped to handle alt-coins or tokens that run on top of digital currencies such as bitcoin or ethereum. The security and integrity of our private keys is of the utmost importance to us. As a result, the specific private keys associated with an address are not available to any single person. Due to the inherent security risks involved with accessing specific private keys, it is not possible for our support team to recover funds sent to a Coinbase wallet in this way. '' This tells me that they haven't given their support staff the ability to help customers retreive their funds and instead choose to keep accidental funds sent to them instead of manually returning the money to it's rightful owner. This should be illegal to keep money that isn't theirs and refuse to help. 

Thank you for your help, XXXX XXXX
Consumer complaint received 2018-06-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

My total original amount borrowed is {$27000.00}, roughly. However, my interest rates caused my total balance currently to date to be nearly {$70000.00}. Over the years I contacted SallieMae/Navient many times to lower my interest rate which was 12.75 % for many years due to the fact that I was unable to make my payments. They kept having me be put into forbearance and pay the {$150.00} to which I did just so the phone calls would stop. I also told them when they did call that I was out on XXXX due to a work accident and was not making nearly what I made between my three jobs at the time. On XXXX of 2017, I called them again after I received a very high payment schedule and told them I am currently in school, and I do not even make my monthly payment at my job. Magically, they were able to reduce the interest rate to 3.0 % and also reduce my monthly payment from nearly {$1200.00} a month to {$300.00}. Even with the repayment plan that I am on, I have already had to call twice to have them " fix '' the payments because I am being charged a late fee because someone did not put the payments in correctly.
Consumer complaint received 2020-07-01
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (WA)

On XX/XX/20 Jefferson Capitol Systems LLC send some fake wan na be attorney on my property, he did have no badge did not identify who he was, and served me some fake summons court papers, threating to sue me for old credit card debt they purchased from XXXX. The old debt was charged off. The debt is beyond the status limitation but they are breaking the law and still trying to sue me. It's beyond the status limitation.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance : {$16000.00}
Consumer complaint received 2018-06-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (TN)

To whom it may concern, My client XXXX XXXX XXXX and I are very dissatisfied with the process in which Movement Mortgage provided for the transaction, located at property ; XXXX XXXX XXXX XXXX XXXX. XXXX, Movement Mortgage has failed to take accountability for the mishandling of XXXX XXXX file. XXXX XXXX set out to relocate to XXXX XXXX  from XXXX, by the end of XXXX and XX/XX/XXXX, the day before we were set to close XXXX XXXX XXXX and I were told, The loan was denied by XXXX XXXX XXXX, supervisor to XXXX XXXX XXXX, due to income, how is this so when that is verified initially. I entrusted our affiliated partner Movement Mortgage, to provide my client with exceptional service, in which they failed to do, Movement Mortgage, states 7-Day Process and how fast the file goes to underwriting, if this is so how did this happen and why is my client distraught/lost XXXX Earnest Money, XXXX Appraisal and XXXX Inspection, totaling XXXX. XXXX XXXX received a Conventional Pre-Qual letter on XX/XX/XXXX and I followed up with the loan officer XXXX XXXX to make certain that XXXX XXXX file was all set to move forward, prior to the beginning of the home search process, I was informed that XXXX XXXX file was all set to write offers. On XX/XX/XXXX we presented an offer on property XXXX XXXX XXXX XXXX XXXX XXXX and the offer was accepted on XX/XX/XXXX, at which the contract went binding and set to close on or before XX/XX/XXXX, and 25-day financing contingency. My client, the listing agent and I, had a rough time getting in contact with the Loan Officer, only when I saw the Loan Officer XXXX XXXX in the office he would inform me that he would reach out to the listing agent and my client, he assured me that the file was moving right along and would close prior to the anticipated close date, which was false. I would like for Movement to take accountability for the mishandling of XXXX XXXX, the entire process was difficult/stressful, from the improper verification of income, lack of communication, incorrect appraisal order FHA instead of Conventional. Attached are the documents used in the transaction. Please advise how you all would like to proceed. 



XXXX XXXX XXXX email : XXXX XXXX
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (IL)

Account removal and due to noncompliance of multiple violations, I want to also seek {$1000.00} per violation for Defamation, Enablement of Fraud, No Investigations Performed, Violations of Collection Federal Laws.
Consumer complaint received 2020-07-01
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: CITIBANK, N.A. (DC)

I opened a Macy 's store card in XX/XX/XXXX I had only one purchase on the card for a watch that costed {$620.00}. I purchased this watch at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I have a receipt for the watch as well as I forwarded my receipt over the phone. I returned the watch the next day as the watch wasn't a good gift. 

My store card was charged without my knowledge as it was stolen by somebody and used in a foreign state. I found about the charge when the account was delinquent and collections agency was calling me. The credit charges posted on my account were without my knowledge. Macy 's account team did not help me as they kept me reverting back to some collections agencyMacy 's posted many months of late fees on top of the ~ {$110.00}. the late fees added by Macys, inflated the over all owed amount to {$380.00}. And I have been harrased and not provided any support to launch a claim. Macy 's horrendous service caused delay in customer support or relief for me as the customer. I have called and waited on hold with MAcy 's customer service then Citi Bank ( macy uses for their store Card ) and spent hundred of hours trying to resolve. Macy 's customer service has been giving me different numbers each time I call. I filed a fraud claim with Macy 's explaining that my card was stolen but no support came in from Macy 's at all. It's XX/XX/XXXX and I still do not have any support. Macy 's customer Customer service gave me XXXX XX/XX/XXXX week, customer service told me to talk to the accounts team. 
Customer service gave me XXXX to talk to the fraud department. the fraud department did not have anyone available to support. 
Customer service gave me XXXX, this time explaining that XXXX is direct number to the team responsible. I waited hours to finally file my fraud complaint with XXXX id : XXXX Then XX/XX/XXXX Macy 's gave me XXXX, telling me it will work this time, only for the number to say that due to COVID no call support is available. 

Macys has harassed my XXXX  and XXXX  with bad service and a ~ {$110.00} fraud charge for over three years. 

I request for the CFPB to help me remove this fraudulent entry on my credit report as Macy 's have constantly failed me and I and begging for relief.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

l first tried calling Equifax at XXXX XXXX to unlock my freeze for a limited time. The system barred me from unlocking my account. I went on line to www.myequifax.com. I entered my email address and password and was blocked from accessing my account through that means. I was instructed to call XXXX XXXX. I called and after identifying my self with multiple questions about my credit history I was finally permitted to speak with a representative who asked many more very detailed credit questions which I answered correctly as I had my documents in front of me. Again I was refused my request and then was informed that I had to send in three items to them for verification, my license, my social security card and a letter describing what I wanted. They explained it would take up to 10 days to clear my record. I asked to speak with a supervisor who stated the same thing I explained that I only wanted to unfreeze my account for several days and that if I faxed in my items, I would have no idea as to when to tell the bank that they could check my credit. She apologized but said she could do nothing. She suggested the things I had already tried ... to go into myequifax website or call for technical assistance at XXXX XXXX. I advised her I already tried both and that Equifax 's System is broken. I asked to speak with a manager because I felt it was important for them to know that their system had issues and that waiting for up to 10 days to receive clearance is totally unacceptable. She claimed to have connected me and so far I have waited 58 minutes to serve that end. I will wait for two more minutes and then I will hang up. I hope you are able to fix their system which is not working for anyone.
Consumer complaint received 2020-10-14
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: EQUIFAX, INC. (AE)

In XX/XX/2020, I was denied an annual credit report from Equifax. At that time, I called their customer service and could not get an explanation for the denial. I called a different customer service number on XX/XX/2020 and was told I did not verify all of the 4 security questions correctly. 3 of the security questions were straight forward and simple. The problem is that one of their security questions was : " What is the numeric portion of your XXXX XXXX address? '' - Being stationed overseas, I do not have a XXXX XXXX address starting with a number. Neither do hundreds of other military personnel and their family members. My address begins with 'PSC XXXX ' so I entered XXXX. This failed to validate. I am submitting this complaint not just for myself, but for others for whom it is impossible to validate this security question.
Consumer complaint received 2020-08-21
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: Lending Club Corp (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-01-06
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. (SC)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CO)

XX/XX/2020 : I received correspondence from Synchrony Bank ( PayPal Credit Account ) indicating a non approval for a credit line increase I had requested. 
I do not have an account which I was aware of with this bank and have never used this account, or made any requests with this bank. In addition I have never approved this account to be opened and they do not have my signature requesting an account. I have never received any billing information regarding this account and only became aware of it's existence upon receiving the letter dated XX/XX/2020. 
I called the number listed on the letter and informed them of the above. 

XX/XX/2020 : I received correspondence from Synchrony Bank indicating they were closing the account, contacting the credit reporting agencies, and starting a fraud investigation. 

XX/XX/2020 : I received a rejection letter from Synchrony Bank regarding a request to open an account and the rejection was for closure of the PayPal Credit Account. Why would I request to open an account when I had just requested closure for one? 

XX/XX/2020 : I received a fraud investigation form and completed and returned it within 5 days. I indicated that the strange charges appeared to be to individuals and not legitimate businesses. 

XX/XX/2020 : I received notification from Synchrony Bank indicating they were unable to approve my fraud claim due to : " Account opened greater than 1 year with verifiable payment history. ''
Consumer complaint received 2020-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc. (TX)

On XXXX XX/XX/2020 my phone was called by a representative from NPAS stating I owed a debt that has been paid. The representative left return number XXXX or XXXX, called from XXXX, and claimed to be calling on behalf of XXXX XXXX. The representative claimed the call was concerning a " personal business '' matter.
Consumer complaint received 2018-06-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I am the primary lender on this loan. Due to changes in my finances, it was necessary for me to make lower payments, as it was difficult and unaffordable. Fees and other charges were added on to my balance even when we made timely consecutive payments. Ever few months to a year, it seemed like I was being contacted by a different company for the same loan, and the balance was not reducing.
Consumer complaint received 2020-10-29
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. (NY)

I am writing to dispute XXXX Account number : XXXX where I am only reporting as an Authorized User. This should not be reported in my credit report. This derogatory account is affecting my credit score. I am not responsible for the debt owed by the account holder. I have been disputing this account but XXXX  continues to report it. The account closed, I no longer wanted to be associated with this account. I just want to remove me from this account. I am continuously reviewing my credit report. I need to be reported as TERMINATED in Bureau Code next time.