davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
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: Lending Club Corp (NY)

I've sent requests of proof of this debt, contract information of who open account with no response. They have no contract or proof, lending club has been adding payments on this account as well, false reporting of account activity. 

Lending Club Date open : XX/XX/2014 Amount : {$15000.00} Past due : {$13000.00}
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (IA)

I closed an account with XXXX XXXX. They sent a final bill that included charges for equipment already returned. I disputed the charges and after many calls to XXXX  they found the missing equipment in their system and corrected the billing error and closed the account. Assuring me the error was theirs and the account would be removed from collections and stricken from my record. 
However the collection agency did not remove it. Only marked it as paid in full even though they didnt collect even one dollar. 
I disputed this action and two credit reporting bureaus removed it. However the collection agency continues to report this incorrect information on my credit report. Causing it to reappear on my report weeks or months later. I have called them many times and get transferred around but no one there will remove it even though its a obvious error. Their refusal to acknowledge the error and correct it is causing me to have serious difficulty in securing a home loan. A letter from XXXX  explaining the error is helpful but does not correct my FICO score. A action that greatly limits my ability to secure a loan. Their representatives seem very unconcerned and transfer me to another department repeatedly until I get a answering machine. I leave messages but they will not return my call or make any attempt to resolve the issue. Every time I get it removed thru direct dispute with the collection agencies it is re-recorded with a newer date making an account that is years old appear and score as if its new.
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2021 while I was riding bicycle with my friend someone broke into my car and stole my wallet. This can be proven easily by an affidavit from him and the invoice from dealership for the repair. 

Several purchases was attempted on my Goldman Sachs XXXX ( XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX accounts. I was not even in the same city as where the charges were being attempted and I can prove this as well. 

I responded to all authorization request that was texted to me. XXXX and XXXX XXXX XXXX did not approve any transaction. 3 charges was attempted on Goldman Sachs XXXX XXXX XXXX XXXX and 1 on XXXX XXXX XXXX They were all declined except one that was approved by each bank. 

XXXX XXXX have recognized the error and have approved credit to my account. 

3 charges was attempted on Goldman Sachs XXXX XXXX XXXX XXXX XXXX. 2 charges at XXXX XXXX ( {$1500.00} & {$2400.00} ) and one at XXXX ( {$650.00} XXXX. XXXX declined the charge at XXXX and one of the charges at XXXX XXXX. But XXXX approved {$2400.00} at XXXX XXXX. WHY not decline all of them? Screen cap from XXXX card attached. 

XXXX claims that it was me who made the purchase and that is simply false and impossible. I was 30 minute drive away in a different city. 

I am not responsible for this charge hence can not pay it. Please reverse this charges and credit my account.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (GA)

I opened a checking account on XX/XX/XXXX based on information received via direct mailing involving a promotion wherein I would be paid XXXX USD if I satisfied the conditions. 

The conditions were outlined indicating that I should meet direct deposit requirements, minimum balance, and keeping the account open for 90 days prior to getting the promotion. In addition, it states that I should not have had an account within the past 12 months. 

I contacted the company via website chat on XX/XX/XXXX with regards to the status of the promotion. They responded to me indicating that I should not have had a relationship with the bank prior to XX/XX/XXXX. The promotion mailer does not specify this criteria.
Consumer complaint received 2021-03-13
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. (MN)

I recently accessed my credit report and seen that a car loan that wasnt supposed to be under my name is on my report. The loan was purchased by my ex and added me as a co-signer. I have tried numerous times to resolve this and to get it deleted and the company is refusing to honor to my request. They sent me the contract with his signature and mines and thats not even my signature. I was at work on the date and time of this purchase. And on another violation regarding my rights as a consumer they never marked any Credit reports in which they are supposed to within 30 days of the dispute. I sent the first letter certified and it was signed for on XX/XX/XXXX. I sent another letter on XX/XX/XXXX and they signed for this on XX/XX/XXXX and I have yet heard anything back or has the account been removed from my credit reports
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (OH)

There was 12 purchases made to my Netspend debit card that I did not make or authorize. All the purchases were made on XX/XX/XXXX at places located in XXXX Ohio. All of these charges were made in succession, and for around {$500.00} each. Total amount was {$4700.00}. Purchases were made until my account was empty. I live in XXXX Ohio. I don't travel. I have never given anyone permission to use my card. I believe my card was copied then used to steal my money. I had just taken out a loan to buy a vehicle when this happen to me. I was at the dealership on XX/XX/XXXX when I found out my account was empty. I called Netspend immediately and told them about the illegal transactions. I did exactly what they said to do, I filed a dispute. It took 10 business days to find out that they denied my dispute! They said that no errors were made! They said their decision was final and the dispute was considered closed. I talked to customer service and told them I wanted to appeal their decision, but they said I couldn't do that until I got the decision in the mail and had to first ask for a copy of their investigation report. I requested the report right then. I still have not received any report. 
On XX/XX/XXXX, I found out they closed my account without notifying me! This caused severe financial hardship. I just lost XXXX, all my money on XX/XX/XXXX and had no money until my XXXX check was deposited on XX/XX/XXXX. Then they closed my account and I was with no money again! This cause so much hardship. I'm XXXX and so is my XXXX yr old daughter. I had to wait XXXX business days to get the check in the mail. Then I had to open a new bank account to get my XXXX checks deposited into. I went to a lawyer for help. But I'm also filing complaints where ever I can because they have uprooted my whole life. They shouldn't be able to do this to people. I have to pay a 5 year loan for those funds that were stolen. Please help.
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (NY)

I have account with coinbase. I bought crypto currencies from this platform. For no reason coinbase have restricted my account. I am not able to manage my account. I have sent few complaints to coinbase and every time they created new case no, and are not resolving my problem. 
I feel very helpless as to what should i do.
Consumer complaint received 2016-06-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (SC)

I mailed my mortgage payment to PHH Mortgage on XXXX XXXX and when I realized it had n't cleared on the XXXX of XXXX, my husband called the company to research. He was advised to wait over the weekend and then make a payment over the phone. My husband placed a stop payment on the PAPER check, made the payment over the phone, and thought the issue was solved. Today, our mortgage company " found '' the check and processed it, not as the paper check we sent, but as an electronic payment that was " undetected '' by the stop payment. When I called PHH Mortgage, they told me that my husband was advised not to put a stop payment on the original check. This benefits the company very well as they get double payment regardless ; meanwhile I scramble to protect myself from late fees, marks on my credit, and possible fraud from someone who may find my lost check. If I had wanted my payment to be electronically debited, I would have chosen to pay by thought the internet or over the phone.
Consumer complaint received 2016-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

This is regarding a complaint that I filed on XXXX/XXXX/2016 regarding my loan servicer PHH Mortgage. I have spoken with them on numerous occasions and have stated that I am still being sent bills for double the amount that I owe on my mortgage. I have not received any response from CFPB and following up to see when I might expect an email. I have never been late on a mortgage payment in my life and PHH has been paid up to date.
Consumer complaint received 2021-03-14
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. (NC)

This is my 3rd complaint to CFPB on the same issue with Equifax, the most inefficient ineffective organization I have ever transacted with. I say that as a retired manager of auditing certified in the field. Equifax has failed to resolve an entry on their credit report perpetrated by an identity thief I reported to law enforcement. I say that as a retired fraud investigator certified in the field. This is dispute case # XXXX with Equifax. I am once again attaching the same letter by the merchant who submitted the fraudulent hard inquiry on their Equifax report in my name. In this letter the merchant says they asked Equifax to remove their inquiry from my credit report 9 months ago. Equifax has taken 60 days to do what they said would be a 30 day investigation and they have resolved nothing. I am going to report this on every consumer website I can find.
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CO)

I have a Barclay 's UBER credit card that I got several years ago. I hadn't used the card for a while, and received a letter dated for the XXXX of XXXX that stated if the card was not used after 30 days, it would be closed. Upon receipt of the letter, I tried to use it on the XXXX, and saw online that the card had already been closed. I received the letter late, and tried to use the card at the 29 day mark, and was told that it had already been closed. I informed them that the 30 day mark had not yet happened, but they said there was nothing they could do, and that I would have to re-apply. So not only will this impact my credit for the closure, but for me to reapply, will also impact my credit and the longevity of the account.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

equifaxXXXX XXXXaccount showing {$1200.00} monthly payment ( should be XXXX ) status showing 120 days late ( should be unknown ) remarks showing chapter XXXX bankruptcy ( should be chapter XXXX filed XXXX )
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I have my payments to Lowe 's Synchrony Bank set up through my bank to transmit payments to the company every two weeks on my payday so that when I get paid, I am immediately able to make my payments. I do this also to reduce the interest owed on debts which are calculated daily. 

Payments and fees from my statements attached : XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - Was assessed a Late Fee of {$28.00} XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - Was assessed a Late Fee of {$39.00} I was just paid on Friday, XX/XX/2021 and a payment of {$80.00} will post to the account as of yesterday although it is currently showing delinquent and a late fee assessed. 

On Saturday, XX/XX/2021 I called the number listed on my card and the number on their website. The only options I could access were to use an automated system to make a payment or hear my balance. I could not speak to a representative. I tried to use the chat function on their website but was told that I needed to log in. This is a defect in their web service because I was already logged in as you can see from the pdf files attached, I was logged in to my Lowe 's credit account as I would have to be in order to access these. 

These actions amount to establishing roadblocks for consumers to prevent the fair assessment of an error on their part, which may actually be nefarious and not in good faith. Considering that I have shown extensive consistent payment history, I would infer that Lowe 's Synchrony bank seeks to extract additional monies from its customers through predatory lending practices by assessing late fees outside of a measly 10-day payment period and eliminating confrontation as shown by imitating incompetence through its website and restricting consumer access.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

I opened checking account with CITI in order for me to receive bonus if I will meet criteria. One of the conditions was that I have to make a direct deposit of certain amount and another that I have to transfer money from my XXXX XXXX  to CITI. I established direct deposit and the first transfer of {$300.00} was made to CITI checking. But problem began after I had to transfer money from my chase account to CITI. The website of CITI had no option to do this. I decided to call them and discuss this problem, but was unsuccessful. I spent huge amount of time on a phone, called numerous times, sometimes waiting more than 1hr on hold and then phone calls were disconnected. Unable to reach anybody, I decided to tranfer my {$300.00} dollars from CITI to my XXXX  account. I made transfer from chase website and in several days, after talking with a XXXX   representative over the phone found out that transfer didn't go through because of insufficient funds on CITI checking account. When I went to CITI account, I still see my {$300.00} on my cheching account. Now I don't know what to do. To close account I have to talk to a representative, but I can not reach anybody. No branches of CItibank exists in my area ( zip XXXX ) and around. So I'm stuck and need your help. Thank you very much in advance.
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (LA)

Someone at the XXXX XXXX XXXX XXXX XXXX XXXX La around XX/XX/2020 after filing early XXXX address stole my identity by creating account and linking bank account to my unemployment account from XXXX to XX/XX/2020 I have copys of reference number after access the credentials for that account stating that my identity was stolen I have to file taxes on something I wasnt even distributed due lack of security and privacy allow anybody any. Number any souls who provided my stolen information to allow XXXX for 6 months straight and never inform me
Consumer complaint received 2021-05-19
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: WELLS FARGO & COMPANY (GA)

All of these hard inquiries are on my XXXX  report, which I've placed a fraud victim on my report so I'm unsure how these agencies were able to authorized a credit pull Wells Fargo dealer XXXX XXXX Hard inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized )
Consumer complaint received 2016-06-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AVANTE (OH)

This was for a XXXX bill in Nevada, which I believe the Statue of Limitations has ran. I received a call at work from XXXX with Avante USA XXXX XXXX, 2016 at approximately XXXX about the XXXX bill. I immediately told XXXX not to call me at work, I 'm not allowed to take personal calls. I told her I would call her when I got out of work or on Monday. Monday XXXX XXXX from Avante USA called me at work again. I called her on my break and told her she violated FDCPA and that carries a fine. I then spoke to her supervisor and told him the same thing.
Consumer complaint received 2021-03-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I am trying to save my home. I purchased my home and closed on XX/XX/XXXX. I made the first 3 payments with XXXX XXXX XXXX. I was then transferred to XXXX XXXX. The COVID-19 pandemic hit at the same time and I was unable to work. XXXX XXXX advised me to go on to a forbearance. They explained to me that I was protected by the CARES ACT and would be fine. It would not effect my credit and they would fix when the forbearance was over. During the pandemic my loan was transfer again for the 3rd time in less than a year. My new servicer was XXXX XXXXLoan Care. Once I was getting back to work in XXXX I contacted Loan Care to resolve. They advised me to apply for a modification. On XX/XX/XXXX Loan Care told me I was DENIED and had to pay them {$26000.00} IMMEDIATELY. I was shocked and I am now facing a foreclosure on my new home. My loan has been transferred 3 times in less than a year by servicers who complete mislead me and lied to me about getting help. I believe I am a victim of predatory lenders and I need help to save my home.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

Two years ago I bought sofas from Macys almost {$5000.00} I paid most of my bill left balance of {$1300.00} I no idea they changed me interest of {$2000.00} Am not working I was lay off last year XXXX I spoke to one their agent and he said they can only give me 50 % discount for interest and now Am not working so I can afford to pay this huge interest, so please I need help thank you.
Consumer complaint received 2021-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

TMS claims to have sent me letters about service transferring my mortgage that I never received. I can not see these letters in my web account with TMS and I did not receive any physical letters. 

Example - I never received ( electronic or paper ) the XX/XX/XXXX letter referred to below. This has caused unnecessary confusion and a waste of my time dealing with figuring out who my servicer is, where I send payments to the new servicer and when. 

Compounding the confusion is that in XX/XX/XXXX, XXXX sent me a similar service transfer notice and then backed out of the service transfer. 
-- - You were previously sent a transfer letter from The Money Source ( TMS ) dated XX/XX/XXXX notifying you that your loan was going to be transferred to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX , XXXX effective XX/XX/XXXX. 

The date of the transfer has been changed. 
Effective XX/XX/XXXX the servicing of your loan will be transferred to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. 
-- -
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account numberXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (CO)

Discover Card. I settled a Discover card debt with a debt collector XXXX XXXX XXXX XXXX XXXX working for Discover on XX/XX/2020. I paid via XXXX XXXX money order in the amount of {$280.00}. I need a tax form ( 1099-C ) from Discover for the settlement account with correct settlement date reflected on it. I have been in contact with Discover ; however, they issued me another one that showed againXXXX date instead of XX/XX/2020 on it.
Consumer complaint received 2021-03-13
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. (NV)

There are accounts on my credit that do not belong to me. I don't know who's they are. Please remove them. I have submitted a copy of my identification and my utility bill as well to prove who I am.
Consumer complaint received 2021-03-12
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. (CA)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.