davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
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. (NC)

Contacted XXXX XXXX XXXX numerous times concerning open installment loan. Showing on report paid in full on 1st auto ; FINANCED 2nd auto the same day. CFPB won a XXXX XXXX civil suit against XXXX XXXX parent company for inaccurate and non reporting. My main issue. Consumer wasn't told. They lied and said software update for 2 years. Disabled IT Technical Represenative need credit to show open installment loan for past 5 years. They refuse to send info too credit bureau. Corporate or local branch. Tried to trade auto for 2 years. NO OPEN INSTALLMENT LOAN MAIN DENIAL. PLEASE HELP THANK YOU P.S. NO HELP DURING COVID ; KNOWING PRIOR ISSUE WITH NON REPORTING HINDRANCE TO MY CREDIT. THREATENING TO CHARGE OFF {$2100.00} AFTER I'VE PAID {$12000.00} AND PAID IN FULL FIRST VEHICLE THAT ENGINE DROPPED OUT OF AND I CONTINUED TO MAKE PAYMENTS UNTIL I FINANCED 2ND AUTO WITH THEM. LETTER SENT TO ME OF HOW GREAT OF A CUSTOMER I WAS. REALLY?!?
Consumer complaint received 2017-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MS)

On    XXXX   XXXX   XXXX   a  company by the name of  XXXX  was removed from my  XXXX  credit reports because they were coming after me for a collection on behalf of  XXXX   XXXX   XXXX  in the amount of {$520.00}. I have never had an account with  XXXX   XXXX   XXXX  and definitely have  zero plans of getting one.  As of    XXXX   XXXX   XXXX   I  noticed on my new  XXXX  and  XXXX   credit  reports that the company ERC  ( Enhanced Recovery Corp ) has reported false information on my credit report stating th at an account was opened with them    XXXX   XXXX   XXXX   in th e amount of {$520.00} original creditor  XXXX   XXXX   XXXX  and my payment status is a Collection/Charge-Off. Also the same company reported false information to my   XXXX   credit report as well stating I owe {$520.00} and the account was opened on    XXXX   XXXX   XXXX   a nd my payment status is Refinanced or Renewed. I have contacted the company via telephone numerous times and all of which I was informed it was a simple error and they would removed me out he system and update my reports, when asking for something in writing the cal some how always ends up getting transferred. I feel someone is playing and constantly using my information.
Consumer complaint received 2015-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (NJ)

We received a loan modification from TD. We complied with all the payments. 
completed XXXX trial payments $ XXXXCash contribution of $ XXXXXX/XX/2014 modification began $ XXXXXX/XX/XXXX notice of new payment $ XXXXSince receiving that letter we have called and emailed out representative. No responseCalled TD bank XXXX times a week on phone for hours being transferred around. No one knows what 's going on and they say a supervisor will call back. They never do. 
What do we do? Nowhere in agreement says this is going to happen.
Consumer complaint received 2023-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I purchased a product from XXXX through PayPal which turned out to be a scam. The seller admitted to it being a scam and promised a refund. After waiting months I never got a refund or response so Im requesting a chargeback. I have proof of this as well. I made 2 transactions for XXXX usd or XXXX cad. 
Transaction IDs : XXXX and XXXX Proof contains both our emails
Consumer complaint received 2016-03-10
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Renton Collections Inc. (WA)

About a year ago, I submitted a complaint on my fiances behalf about Renton Collections in XXXX, WA. Last year, we tried to make contact with them to find out about a medical collection they had put on his report and find out where it came from and if it was his, a way to settle it or way to pay it. Not only did they refuse to furnish him proof of where the debt came from and where almost the {$1000.00} 'interest ' was coming from, but they also talked down to him threatening to take everything from him and told him he was n't allowed to call them more than three times a day ( after they continuously hung up on him and I ) and then when we could get ahold of them, they told us we were n't allowed to call again until the next week. After I submitted the complaint the last time, this 'debt ' he 'owes ' mysteriously disappeared from his credit report. And now, over a year later, they 've randomly put it back on his credit report as not only a new debt, but as one that 's in dispute. We have not contacted them or spoken to them in over a year and we want this off his report where it should be.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX  XXXX Inquires : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Employer : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2018-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

I have invested some US Dollars into some crypto currency, on an exchange called Coinbase/XXXX. They are both the same company. I can not access my coins in my XXXX wallet. Every time I try to login to my account on the exchange it reads " An Error occurred. Please Contact XXXX support. '' I have contacted support many times, but each time they claim to have submitted this issue to a specialist and they will get back to me supposedly, but I still have no reasonable resolution, after more than 2 weeks. I have both some Bitcoin and XXXX   which I would like to take out of XXXX at this time. However, Coinbase/XXXX will not allow me access to the coins. My coins are being withheld from me without my consent at this point. The issue started when Coinbase pinged my credit card multiple times for a purchase I made. This for some reason caused their system to refund my credit card, the purchase amount by accident. The company had a balance due to them because of this error, and has been paid, by me in full. There is currently no balance due. They promised to return my coins, when the balance gets paid, but they have not held up to this promise. My Coinbase case # is XXXX, and my funds have been frozen for an unreasonable time with no explanation at this point.
Consumer complaint received 2022-09-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NC)

My name is XXXX XXXX XXXX and I have been trying to get the payoff for my home from ShellPoint Mortgage for over a month now along with my attorney XXXX XXXX. She and I were on speaker phone in her office with my SPOC XXXXXXXX XXXX as well as her supervisor by the name of XXXX ( did not provide her last name ). XXXX assured us on this call that I would receive the payoff via email on XXXX, and if it wasn't received then to call XXXX XXXX back XXXX which I did several times, but still no payoff was sent. This is unacceptable. I'm about to be put out of my home because of this. I really need for this matter to be handled ASAP.
Consumer complaint received 2020-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed the account XXXX ( XXXX XXXX ) {$720.00} with XXXX and Transunion and the incorrect information is still there. I do not know who ( XXXX XXXX ) is. I have never signed an agreement with ( XXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( {$460.00} ) with XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX with XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX account is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist
Consumer complaint received 2015-03-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation (OH)

We have been receiving automated " robo-calls '' from an anonymous source for months. This past week we received a personal message from Van Ru Credit Corporation. We called them back and they immediately asked for confidential personally identifying information over the phone ( last XXXX digits of my wife 's social security number ). When we refused to give that to them, they refused to give us any information about what they are calling us about. We have never dealt with this company and we have no known outstanding debts owed to anyone. They would neither confirm nor deny that they have attempted to notify us through mail, nor would they agree to send us correspondence by registered mail. They would not provide us with the address they have on file despite the fact that they obviously have our home phone number. They would not tell us what the matter was about. They would not tell us how long the matter has been outstanding. At this point we have no information other than the phone number they left on our message machine and a completely unproductive personal phone conversation. The phone number we received and called is : ( XXXX ) XXXX extension XXXX.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (IN)

I have unauthorized inquires that's affecting my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX BANK ON XX/XX/XXXX XXXX. XXXX ON XX/XX/XXXX XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX ON XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX  ON XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX  ON XX/XX/XXXX XXXX. US SM BUS ADMIN ODA has been on my report for over 2 years and is unauthorized as well and must be deleted.
Consumer complaint received 2020-05-26
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. (AR)

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$63.00} XXXX XXXX XXXX {$130.00}
Consumer complaint received 2015-10-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

I was selling a futon online and the buyer gave me a check for the payment and stated that I should deposit it soon as they would arrange to have it picked up. After about five days elapsed, they stated that they would not be needing the futon and asked that I return the money to them. Not trying to be held accountable for their money, I wired it back to them as per their request. Almost a month later, Chase Bank tells me the check was returned for fraudulence so I was out that amount of money. This put my checking account in the negative. As I was moving, I had no spare money to cover the difference and when I called to comment that there should be something they 're able to do, they said there was not and I 'd have to pay them back. I filed a federal report about the fraud online but this affected nothing since I authorized the check 's deposit. After a month, they said they 'd report me to Early Warning Service despite my story. I have never had any issues with my accounts before nor have I ever committed fraud and I ca n't seem to understand why there is nothing I can do but report the issue.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NE)

On XX/XX/XXXX I initiated a transfer of {$74.00} from my XXXX XXXX bank to my friend 's XXXX XXXX XXXX account in XXXX using Remitly. 
At the same day I received a notification that the transfer had been completed. As of XX/XX/XXXX I contacted my friend and was told she did not receive any money. After that she also showed me her bank statement showing that there was no transaction from Remitly from XX/XX/XXXX until now. 
I contacted Remitly customer service, and they requested me sending them my friend 's bank statement. They told me to wait 3 bussiness days for the investigation, and they would contact me later but they never did. 
I contacted them again on XX/XX/XXXX, and one representative told me they already contacted the banking partner and the money was transferred to my friend. I then messaged my friend but she showed me her bank statement there was no transaction from Remitly up til that day. 
I called Remitly on XX/XX/XXXX, and one rep told me they did not accept the bank statement because it did not have my friend 's name. So I sent them again her bank statement showing her name on it, and they told me to wait for the investigation. 
On XX/XX/XXXX, I called Remitly again to check on my case and this time one representative told me the file was not accepted because it was JPEG file. They wanted anl PDF file. Therefore, I sent them the bank statement in PDF file. 
Later that day, I called them and was being told that the PDF file was kind of screenshot. And they refused to solve the issue. As I spoke to my friend, she said Remitly never contacted her bank account at the first time. And XXXX never received any funds from them, so clearly Remitly is lying and refusing to provide any useful information. I have asked Remitly repeatedly to provide me with emails they claim to have received from XXXX mobile stating the funds was deposited but they can't and they won't.
Consumer complaint received 2017-05-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (MD)

In XX/XX/XXXX, I contacted Gm and asked to skip 2 payments due to financial hardship. In XX/XX/XXXX, I contacted Customer Service to make my final payment and was advised that my account had been paid in full. On XX/XX/XXXX, I received a threatening letter from GM which, stated that a payment of {$2000.00} was due immediately. I contacted GM and asked why the automated system stated the account was full paid yet, I had a balance due notice in hand and was advised that in XX/XX/XXXX, I was granted 2 skips and the payments were added to the end of the loan. The balance owed was the interest that was due. I contacted Customer Service who advised that I needed to sign a new contract immediately or, Collections would repossess my car, I did not remember being granted the skips and requested an account transcript, GM refused. I asked to speak to a Manager to request a breakdown of the charges and the computation of the interest. They refused. I contacted the automatic system today which stated that my account has no balance due. General Motors violated my rights because they billed me for interest on the skipped payments for more than six years without first issuing an account statement to advise me of the interest due until after the loan was full paid.
Consumer complaint received 2024-03-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (VA)

My account keeps getting placed in a forbearance I did not request. I have made multiple requests to be taken out of forbearance over several months to no avail. I try to set up automatic payments early and assumed they were going to be made but each time before that I get placed in unrequested forbearance and monthly payment goes unmade. I have tried to rectify and correct this motions time but each time the same thing hastens and now I am {$4000.00} deeper in debt. 

I also applied for the SAVE program back in the fall of 2023 and am still waiting for that to process. I have made the requested {$500.00} payment to change payment plans and am receiving notification that my payment is still required.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Tired of this XXXX company transunion is reporting unverified and inaccurate child support account on my credit which has stopped me from getting approved for my new car so now this will be my final complaint before I turn to my attorney.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

I called on XX/XX/2024 to see what the issue was. They informed me my bank declined the payment. 

I called again on XX/XX/2024 after confirming I was using the correct bank account and routing number. The credit card company is telling me " on our end it's a different number '' they have closed my account and refuse to fix the issue clearly on their end.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I was targeted for the Citigold banking XXXX AAdvantage miles promotion that was happening. I followed the terms and legitimately funded the account with XXXX of my credit cards and began to use the provided debit card for bill pays and spend. When I hit my promotional requirements of spending {$1000.00} and making 2 consecutive bill pays, I was told that I have met the requirements and will now just have to wait 90 days ( until XX/XX/XXXX ) to get my miles.I was charged {$60.00} dollars of maintenance fees in this wake. After XX/XX/XXXX hits, I have not gotten my miles and they are telling me they have to INVESTIGATE my account which will take ANOTHER 90 days. That 's another {$90.00} of " maintenance '' fees.
Consumer complaint received 2024-03-08
Product: Credit 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: SYNCHRONY FINANCIAL (AL)

On XX/XX/2024, I tried to purchase two items from For XXXX XXXX in XXXX, AL using my XXXX XXXX card. However, the clerk informed me that it didn't process and asked me to swipe it again. I tried swiping my card twice more, but it didn't work. So, I switched to my Belk MasterCard, but I was again instructed to swipe it twice, and it still didn't work. The clerk then said that there might be an issue with the register. I immediately contacted both XXXX XXXX and Belk to report the problem. XXXX XXXX told me to wait for at least three days before filing a dispute, while Belk informed me that I needed to file a written dispute. 

On XX/XX/2024, I submitted a document explaining the situation along with copies of the duplicate purchases from both XXXX XXXX and Belk. On XX/XX/2024, I contacted Belk to get an update, but they had no record of the documents I uploaded, so I sent them again. I was informed that it would take approximately 60 days before a decision would be made. 

Today, on XX/XX/2024, I received a letter from Belk denying my dispute.