davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I have been a home depot credit account holder since XXXX. I have always paid my credit card on time as agreed. 

Approximately around XXXX, I went to home depot as I would normally do to make some purchases. I proceeded to attempt to use my credit card that I have had with them for years, when it was suggested that I try to open up a new one for some type of promotional discount on my purchase. I told them I already had an account but they urged me to apply, and they specifically told me I would not be getting a new credit card account but instead just receiving a promotional card. I am a very limited English speaking consumer and I hesitated, however the representative assured me it would be fine. 

This is where this is all confusion to me, and I believe due to my limited English I am being taken advantage of. I have been trying to get to the bottom of how or what happened when an additional HOME DEPOT account was opened up on or about XXXX/XXXX/XXXX, and subsequently a small purchase of {$2.00} was made on this account. This purchase resulted in late fees rolling over for several months and late payments going on my credit report for those months. 

This all happened from XXXX - wherein I found out of this past due balance for {$11.00} to home depot that was completely shocking because I go to the home depot store every month and pay off my account in person, without fail. I spoke with HOME DEPOT to try to explain this account was not opened up with my authorization or intention, and I NEVER charge the account ever for {$2.00}. I believe this is fraud, however nobody at HOME DEPOT is willing to listen to me or help me get to the bottom of this. I am being severely injured by the derogatory lates they are reporting for a past due balance of {$2.00}.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

My Equifax has not been able to be pulled by lenders or myself within the last 90 days. Its as if I do not have a Equifax credit score. This is preventing me to refinance my cars, obtain a HELOC loan, and not obtain business funding.
Consumer complaint received 2018-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I tried to reapply for Income Driven loan repayment program, but keep being given false information and have had my interest rates rise over the last five years to unpayable amounts. The company is asking that I make payments of {$1300.00} USD per month even though I only make between {$45000.00} next after taxes each year. My original loan provider was also XXXX XXXX and Navient does not even have all of my information about my previous loans. My current loan balance is over {$130000.00} and has not been chipped down at all, even though I made over {$10000.00} in payments for the XX/XX/XXXX annual year. On Monday, XX/XX/XXXX, I made a call to complain about repayment terms not reflecting the income driven repayment plan and was told that I had to reapply again through the federal website ; even though I had spoken with a manager at Navient in XX/XX/XXXX who said everything had been taken care of
Consumer complaint received 2017-10-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NV)

Company Name : Care Credit Problems : Interest, and supposedly missed payments..? 
People involved : Care Credit and Cardholder I have been paying on my care credit ( dental ) card since XXXX. I just got off the phone today XXXX XXXX XXXX, 2017 ) and I was speaking to a woman named XXXX about why my promotional balance was different than the current balance. I have never missed a payment for any of the promotional balances, and I never seen any other payments stated on my care credit account. So I asked her why that was, and she told me it was because of a charge of XXXX $ or so. She said there was also interest added from the time of the payment of XXXX $ every month sense. So I ask her, where is it stated at on my account? I tell her how I have been making payments since XXXX from a balance that started out at a little over XXXX $ and now its down to XXXX ( promotional balance ), so why would I still be getting charged for the monthly interest? Why is the XXXX $ not paid off yet if I have been making payments to the current balance. She tells me that unless I call and specifically ask for the payment to go towards the non-promotional balance that it will keep charging me, and it will not be paid off. But she says I have XXXX $ left of the XXXX $ charge? Which does n't make sense, given that my promotional balance is still being paid on. It does not state it on my account, I was being charged, they were saying my payments were late, but all it showed was just a difference in the charges that I just became aware of after I paid off the last promotional balance. So my last promotional balance shown says XXXX $ and the current balance is XXXX XXXX I just do n't understand how I can be charged interest for something that is not stated on my account or even presented next to the promotional balance, I was n't able to pay all of it at once which is why I had a promotional payment, but I have been, and am currently still making payments, so that XXXX $ should have already been paid off even so. Its not fair that I have to call to make a specific payment about a charge that is n't even stated on my account. If I am paying towards the CURRENT BALANCE than it should cover all charges that would be present, including the hidden non-promotional purchases.
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NM)

PNC bank in XXXX, Ohio refuses to submit the payoff amount on my mortgage to another mortgage company that I am working with to refinance my mortgage at a lower rate. The nee mortgage company has requested a payoff amount in writing on 6 different occasions and I have called and asked the bank to fax the payoff amount to the mortgage company snd it has never been sent.
Consumer complaint received 2022-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (PA)

Below please find excerpts from a deb collection letter received by me : National Recovery Agency XXXX XXXX XXXX XXXX PA XXXX Toll free XXXX " Dear first name, last name, National Recovery Agency in a debt collector. We are trying to collect debt that you owe to XXXX XXXX. We will use any information you give us to help collect the debt. '' Our information shows : As of XX/XX/XXXX you owed {$280.00} ___________________________________________________________________ There is more on the letter sent but I can not rewrite the entire notice. 


I do not use " XXXXXXXX XXXX  '' for medication. I use XXXXXXXX XXXX XXXX which falls under the umbrella organization of " XXXXXXXX XXXX  ''. I spoke with botXXXX XXXX XXXX XXXX XXXX ( which I have used in the past ) on XX/XX/XXXX and both companies confirm that I have no outstanding debt and that all payments were received in full. 

Furthermore, the date of service on the collection letter does not coincide with any date I may have used " XXXX XXXX  '' When I called National Recovery Agency on XX/XX/XXXX the first thing they asked me in a brash manner was " how did you get this number? '' That seemed odd because obviously I would be calling them about my debt collection letter. They then could provide no further information regarding the claim or the date of service. They became condescending and belittling. I conference called National Recovery Agency with XXXXXXXX XXXX on the line to try to settle any discrepancies and no further information about the debt they were trying to collect could be offered.
Consumer complaint received 2018-01-11
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 (CA)

I 've applied and was approved for a business loan in XXXX 2016 through Wells Fargo with a promise by the business banker that after 3 months I could get a refinance through Wells Fargo. Several months into the loan, I found out that Wells Fargo wrongly reported to the credit bureaus that my business loan account was delinquent by two months or missing two payment, but the truth was that I had been paying the account on time and in good standing. I later reached out to them to rectify the problem, but it took them nearly six months before they could fix the issue. Throughout that entire six months period, I was unable to secure additional financing for my business, which led to a snowball effect of debt accumulation and missed opportunities for the business. Although the wrong report on the credit profile has been fixed, our company suffered much damage, which led to our inability to pay for our other business credit cards and personal credit cards and a direct impact on both my business and personal credit reports. I have asked for a compensation and submitted evidence of denial of credit, but Wells Fargo Business Direct resolution team refused to budge and even sent us a lawyer letter.
Consumer complaint received 2018-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MS)

last month XX/XX/XXXX over 3000 $ came into my account i did not know this i found out by telephone at Citibank they told that money had come in and how much i asked why did you not tell me? it is my SS or Government money from XXXX where i worked over 50years they said nothing then to top it off they are closing your account? why do not know XX/XX/XXXX???????? i asked when will i get my check they told me on or about the XX/XX/XXXX, i waited nothing end of the week i called they the frud Dept told i needed to prove the money is mine? i have never seen that the money comes in the neame of the sender is with it since when do we have to prove the money is ours? ut is our account they again refused to answer as you must know you never get any mail from ss telling you your money has been sent to your account never yet they want proof i found what they needed paid XXXX dollars to send a slow mail to texas i called this week have not got the letter and if and when maybe i will get my money about the XX/XX/XXXX of the month i can not wait i have people to pay yet they will not answer yesterday i sent a fax and email with the papers they need the money should today have been mailed still no answr i need my money i worked hard to get retried i am XXXX this years why do i have to figh a bank for what is mine???
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I sent a wire deposite to my coinbase account a while back. My wire transfer was " scheduled to arrive '' XX/XX/XXXX. It is now XX/XX/XXXX. The wire is pending and has not been credited to my account for trading. Funds have been pulled from my bank and show up as completed as they have arrive at coinbases metropolitan bank. All that is left is for the pending wire to be verified and credited to my account. Support has been slacking and these funds need to be worked out. My wire is still pending and all legal names between my Coinbase account and my Bank account are 100 % matched. The date of predicted arrival in my account was XX/XX/XXXX. As of today, the funds are still " pending '' and not available for trading or transfer. 
Here are my transaction details : Sent : XX/XX/XXXX Amount : {$5200.00} Name of Sending Bank : XXXX XXXX Funds were sent from personal name : XXXX XXXX
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc. (FL)

During the first week of XX/XX/2022, I purchased a XXXX XXXX XXXX XXXX for {$300.00} from the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Fl. When I attempted to use the card the next day to pay a bill it declined. I called the number on the back and it said I had a XXXX balance.I attempted to contact XXXX and XXXX transferred to Incomm Financial Services Dispute team . I completed the dispute form, the card number I purchased was used in XXXX, Ga. I was told to wait XXXX  days and I will receive the outcome of the investigation. I'm a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  I get prepaid cards to pay certain bills. I can't wait XXXX to see if I get my money back, I need my money now. This could be a bigger issue for XXXX XXXX families and all XXXX  that are already struggling to pay bills and to get {$300.00} stolen from you, when Incomm financial services is committing fraud by promoting this prepaid card as XXXX. Incomm ( fs ) is aware of this problem. I have already contacted the XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX and made them aware of this issue. I searched the internet about this. A story was done in XXXX, NC on XXXX this year, about these same cards and the same issue with Incomm financial services : Money stolen off card before you can use it. Incomm Financial services needs to be held accountable for committing fraud & not informing the public about this issue, so that we can make an informed decision on if we want to purchase Incomm financial services products or not. Again, I am a XXXX XXXX XXXX XXXX  on a budget, I desperately need my money refunded ASAP, please.
Consumer complaint received 2018-01-11
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. (PA)

i have hard inquiries that appeared on my credit report across all three credit bureaus XXXX, Equifax, XXXX on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( XXXX ) XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( Equifax ) XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (PA)

I filed an dispute with XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-2017. Advised, XXXX XXXX XXXX to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised XXXX XXXX XXXX that they are allotted 30 days to provide disputed results to me. Never received correspondence from XXXX XXXX XXXX.
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

Dear agent, I 'm writing to complain a issue with Coinbase.Inc ( https : //www.coinbase.com ).

I made multiple purchase of Bitcoin through coinbase on XX/XX/XXXX. And there 's one transaction there of the amount {$300.00} did went through, but they gave me the correctly amount of Bitcoin to my Coinbase account. I think that was due to my bank 's fraud protection ( they see multiple buys in a short time as a suspicious activity ). So my bank charged the {$300.00} back. Coinbase realized this issue and lock downed my account ( with still more than {$2000.00} dollar USD in their XXXX account ), and I can not buy/sell or access my XXXX account after that. I called my bank tell my bank to accept any charge from Coinbase, and opened a support ticket on coinbase, stating that it was an issue with my bank and I do want to pay them!!! As for now, 1 month has passed, the issue has still not been resolved. I do n't see charges on my bank account, and I can not access my coinbase account and the fund in coinbase. It feels like they are taking my fund as a hostage. I do like to pay the amount I own them, but they are not doing anything to fix that. I tried to call them twice a week and get the boxed reply everytime, I even asked do I need to provide any additional payment method, they said no. I just have to wait and they keep my account locked and my fund in there. I think this can really be called fraud now. Please help! 
My coinbase account email is : XXXX The support ticket is : XXXX XXXX XXXX XXXX Best, XXXX XXXX
Consumer complaint received 2018-01-11
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. (PA)

Identity thief fraudulent accounts on XXXX XXXX Equifax credit rsports Open accounts XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX amount XXXX dollars Date opened XX/XX/XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX To old to be on my credit report Equifax is still reporting on my credit report
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CASHCALL, INC. (CA)

Debt is from Cash Call and is sold to XXXX XXXX XXXX XXXX The information they are providing does n't match anything that I 've done. Date of loan is XXXX XXXX XXXX and amount is {$5000.00}. They are trying to collect {$15000.00} and has garnish my pay. I 've ask many questions, they can not answer and told me all that matters is there 's a judgement against me. All the information provided by this company does n't match including my pay stub, cable bill. I 've never bought or got service from XXXX, the pay stub said I worked for a company that I didnt. I called the companies and verified everything.
Consumer complaint received 2018-01-11
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Key 2 Recovery, Inc. (FL)

I went To XXXX XXXX XXXX XXXX and injured my XXXX and could no longer work. Over the past years Ive made attempts at contacting the companies to try and resolve the debt but could never afford what they ask of me. Theyve always wanted hundreds and hundreds a month!!! I can not afford that! Recently I contacted the most recent company the Key 2 recovery company last year to try to make amends yet again and as I talked To them I told them that I didnt make enough money to make the payments they were requiring of me and I asked repeatedly for lower monthly payments and they refused and said it would affect my credit. I said I couldnt pay anything more and they said they couldnt take any less than all of it. I can not afford {$6100.00}! Its been 10 years! Its on my credit and has been affecting me! 

XX/XX/XXXX Key 2 recovery XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX There is also another company that is attached to it that is older XXXX XXXX and XXXX Since XX/XX/XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX According to my credit report I owe XXXX to them for the same bill! 

How is it 2 companies can claim that I owe them for the same bill? And report it on my credit monthly as owing {$13000.00}!?? Please help!
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (LA)

On XX/XX/XXXX17 I initiated a sell of digital currency with Coinbase.com in the amount of {$3300.00}. It has been almost a month and I have yet to receive the money from the sale. I have sent numerous emails and have yet to receive a reply.
Consumer complaint received 2018-01-11
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. (FL)

I have correct information regarding student loans onnmy accounts. However i have incorrect information showing accounts : XXXX XXXX XXXX, XXXX at XXXX XXXX, it shows credit cards that arent mine as well with negative balances, it shows diferent creditors for years and has affected my credit score when the only thing i had done was student loans. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I checked my credit report and noticed that XXXX XXXX reported an unpaid debt that was not owed by me. XXXX XXXX reported an unpaid debt that was not made by me. I sent a letter out to the collection agency that is holding the unpaid debt ( XXXX XXXX ) on XX/X/2017 asking them to verify and validate all info stating that the debt was mine within 30 days. I never recieved a response.
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TX)

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

This debt was paid and still reported by XXXX. I ca n't even fond aeay to contact collectir to try snd settle, even though I dont owe, I want it to go away and am willing to do whatever.. Inclufing settling!!
Consumer complaint received 2018-01-11
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. (DC)

I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report reported by XXXX XXXX XXXX XXXX