davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (TX)

Company : Discover Card I had filed an Extended Product Warranty claim for my laptop on XX/XX/XXXX and I am still waiting for my application to get approved. The claims agency ( XXXX ) associated with Discover has never contacted me for the pending claim despite being contacted ( calls, emails, voicemails ) by me several times in last couple of months. Neither the claims agent nor her manager has responded to my calls. To my surprise, when I login to my claims portal, I see documents uploaded by one more person in my account which is a huge threat to my privacy and security. Neither Discover nor XXXX is willing to be accountable or such negligence. Please look into this matter.
Consumer complaint received 2018-01-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MD)

We are going through financial hardship and we submitted a loss mitigation application in XXXX XXXX. The loan company is difficult to get a hold of. We faxed documents and we would follow up with a call and told application is in review, Then weeks later something comes in the mail saying " we are missing pg 3 & 4 '' we would email it to the email provided and no response. So finally we received a letter in XXXX XXXX saying loss mitigation application denied for not sending information timely. This is very frustrating we are now 3 months behind and can not get any help.
Consumer complaint received 2018-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (RI)

XXXX Veteran, lost job, had a fire in the building, tenant using space heater,XX/XX/2015, City Fire Marshall wanted to shut down the building unless owner upgraded the electrical wiring in the building, no money for this, quotes around 15,000 dollars, tenants move out, as fire marshall stated, '' Building is unsafe ''., one year and half no tenant income, must upgrade the electrical system, fell behind on all payments, struggle to upgrade, now upgrade is complete, mortgage is behind for 3 years ... .need desperate help financially.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG HOLDINGS INC (NC)

Original complaint XXXX, this was not taken care of at all. In fact the phone number listed does not work. Today we found out that XXXX XXXX XXXX aka XXXX sold this debt to XXXX XXXX and that was done on XX/XX/XXXX. Now we received a debt letter which we received XX/XX/XXXX, we had no idea what this was for so set a validation letter which was sent XX/XX/XXXX by certified mail, again nothing has been received at all. 
Today I woke up to XXXX XXXX being added to my credit report ( XXXX and XXXX at the moment ) and has dropped my score significantly and I was set to buy a home. The agency that is servicing this for XXXX XXXX is XXXX XXXX where the letter was sent to, when I called them today they confirmed they did get the validation letter and they have the response ready to be mailed but have not yet ( XX/XX/XXXX ) however someone placed this on my credit when I asked for validation. 

Also this debt which is not valid at all and was sold illegally to another company.
Consumer complaint received 2021-08-04
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. (OK)

XXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and XXXX adult children. 
The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect.
Consumer complaint received 2018-06-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HONOR FINANCE, LLC (NV)

I have a loan with HONOR FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and HONOR FIN with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX.
Consumer complaint received 2018-01-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PNC Bank N.A. (MI)

They have been contacting me for 3 years about a debt for a car I dont even drive I havent driven in 10 years Im XXXX XXXX XXXX and XXXX of XXXX XXXX they threatening my kids. And wont tell me exactly who they are.
Consumer complaint received 2018-01-14
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: CITIBANK, N.A. (AZ)

On XX/XX/XXXX called Citicard at XXXX regarding my account ending in XXXX due to two electronic payments ( XX/XX/XXXXcheck # XXXX and XX/XX/XXXX Check # XXXX - {$80.00} ea ) that were returned to my bank ( Chase ) by Citicards. 
I spoke with XXXX at the customer service number listed above who was unable to explain why both of my payments above were returned. He advised me to change the mailing address from the XXXX XXXX SD address to XXXX XXXX XXXX XXXX AZ XXXX and he took a debit card payment for {$80.00} with me over the phone to resolve the situation. 
However, upon receiving my XX/XX/XXXXstatement I saw the same problems was happening as credit for payment Chase bank states were paid are not reflected on my account statements via Citicards. 
I again called the XXXX number on XX/XX/XXXX and first spoke with XXXX who confirmed no payments were posted to the account ending in XXXX and was also unable to tell me why. 
I asked to speak with a manger and spoke with XXXX ID # XXXX who via a three way call to Chase bank with me to verify payment, stated she would note acct, request an investigation. Yet I received a letter XX/XX/XXXX requesting bank statements within 30 days to prove all that was confirmed with manager to keep the conditional {$80.00} credit resulting from my conversation with XXXX. 
However, today I received notice form Citi cards in another letter that they were reversing the {$80.00} credit that ensued from my XX/XX/XXXX telephone call inquiry and with out any reason as to why. 
It appears that I am being penalized for being a responsible and proactive customer and would like this matter looked into further in order to help me resolve it. 
Thank you
Consumer complaint received 2016-03-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (CA)

The company Progressive management at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX filed on my credit report for a debt for XXXX XXXX who is of new relation to me and I have never been married to
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (PA)

I never did business with XXXX XXXX, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on my report.
Consumer complaint received 2018-01-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IN)

Between XX/XX/XXXX and XX/XX/XXXX I sold roughly {$600000.00} worth of Bitcoin on Coinbase 's exchange XXXX. Anticipating the sale, I previously requested to raise my daily withdrawal limit on XX/XX/XXXX. Since that support request I have received no communication on my request and it is in turn causing me significant complications in my life not to have access to MY money. 

Coinbase has clear directions not to submit a duplicate support ticket for the same issue, however I did reach out to a representative that is active on XXXX to see if he could look into my issue but there was no return communication. Their support line is impossible to get through on as well. I feel that I have exhausted my options from an unresponsive company. 

Coinbase is effectively holding my money hostage as a XXXX interest loan. I bought a house in cash with a closing date on XX/XX/XXXX and I am forced to take out a loan in order to pay for my house now resulting in unnecessary interest fees. Furthermore estimated taxes are due on XX/XX/XXXX and I will be unable to pay the full amount most likely resulting in penalty fees. Both of these things are putting economic strain on my life.

I 've been a customer of Coinbase since XX/XX/XXXX and I 've submitted all proper documentation, I 've also been a consistent customer establishing a known banking relationship with them. It is absolutely unacceptable that they are not responding to my support request and furthermore that they are even legally able to hold money hostage like they are.
Consumer complaint received 2018-01-15
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase bank has put my account into XXXX XXXX as owed to them when my account had been fraudulently used by someone who had all my info and had made my account negative XXXX dollars On top of taking over 600 dollars Out of my account which makes it total of over 1000 dollars taken fradulently from My checking and saving account and When i had noticed it and reported to Chase they said would investigate and send me a new card. Which they did n't not and closed my account and blamed me for the money taken Without any evidence and supposebly they said I told them my pin was written on the back of my card which is n't true at all I would never ever do such a thing that 's like saying I would put a big Sign in my House pointing were I have hidden my jeweler or cash so when a thief comes into my house he would n't have problem finding it this just redicilous claims by Chase so I asked them For the recording to support there false claim which they still have n't let me Hear it till this day and have caused problems with my credit score and for me Obtaining any checking account at any other bank which is very upsetting. I 'm Demanding they return my money and or either give me a new account with the money in it. Because of Chase now my XXXX has been ruined and this is a big problem for me since I get big paychecks and need to have somewhere to put my money. Chase needs to fix. My issue asap.
Consumer complaint received 2018-01-15
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. (NM)

I 'm working to clean up my credit report. I use XXXX XXXX to track it. Both Equifax and XXXX list the same debt ( {$420.00} originally owed to XXXX XXXX XXXX XXXX ). 

But, the same debt is being collected by two collection agencies : XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX I would be happy to pay one or the other to clear up my record. 

Please help. 

Thank you.
Consumer complaint received 2018-01-15
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: EQUIFAX, INC. (VA)

Equifax is showing on my credit report that XXXX XXXX XXXX XXXX XXXX, which I am a member of has conducted a hard inquiry on my account/credit history without my authorization on XXXX XXXX, 17.
Consumer complaint received 2018-01-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.
Consumer complaint received 2018-01-14
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. (AZ)

Equifax previously deleted and permanently blocked the following fraudulent and unauthorized account from my Equifax credit report between XXXX : XXXX XXXX XXXX. Equifax has put the fraudulent account back on my credit report after deleting and permanently blocking the account from my Equifax credit report. I been receiving harassing phone calls and death threats from representatives from XXXX XXXX XXXX at my home and place of employment for over 1 year, to pay for a debt thats not my debt or account. This is a serious violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law, and under Arizona Debt Collection state laws. This account isnt on my XXXX XXXX or XXXX credit report, because XXXX XXXX and XXXX deleted the account from my credit report and permanently blocked the account from my XXXX XXXX and XXXX credit report.
Consumer complaint received 2018-01-14
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. (AZ)

I am a victim of identity theft. The following accounts are all fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for {$420.00}, I been receiving harassing phone calls at my home and at my place of employment from the above creditors everyday around XXXX XXXX for over 1 year. I have received death threats and been threatened with being arrested, if I dont pay the debt thats fraudulent and dont belong to me. I informed all 5 of the companies/debtors in writing via USPS mail to stop contacting me and harassing me at home and at my job, yet they continue to contact me at home and at my place of employment. This has been going on for over 1 year. This is a major violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law, and Arizona Debt Collection state laws. The accounts are all fraudulent and unauthorized, and dont belong to me. The debt is not mine. I have been informing the debtors for over 1 year that the fraudulent and unauthorized accounts arent my accounts, yet Im steady been harassed and receiving death threats, and threats of being arrested and put in prison for fraudulent accounts and debt thats not mine. The accounts are not on my XXXX XXXX credit report, because XXXX XXXX deleted and permanently blocked the accounts from my XXXX XXXX credit report.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

In XXXX 2018 I received an alert from my credit monitoring app that my discover student loans was 2 mths past due. I immediately called discover and Notified them of the report. They said that was an error and their part and that the two loan amount were n't allocated properly. They promised they would notify the creditors. A week later it was reported that indeed the accounts were in good standing and never paid late. On XX/XX/XXXX I received another alert from my monitoring app that my student loan was 30 days past due. I have never paid late and they have continued to cash the checks I send every month. This has affected my credit score in the worst possible way. My score has dropped 70 pts which is crippling my ability to obtain any loans
Consumer complaint received 2018-01-14
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 had never received a call from Wells Fargo Dealer Services to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXXXXXX and the next payment was XX/XX/XXXX, 29 days later and Wells Fargo Dealer Service reported my account delinquent for more than 30 days. I need them to fix this problem right away.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IN)

The Us Department of EDU is reporting my XXXX XXXX XXXX student loan as XXXX XXXX XXXX. They keep closing it out and re reporting it as a new loan so it drops my credit score. The account says it was opened in XXXX. The orginal loan was taken out in XXXX and added to in XXXX. ITS OLDER THAN XXXX XXXX XXXX!!! ITS XXXX XXXX XXXX. Its false info and the fact that they keep transferring offices and reporting it as new is wrong. You Equifax and XXXX keep letting them get away with this. My score went from XXXX to XXXX in a matter of days.
Consumer complaint received 2018-01-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OH)

In checking my credit reports, I noticed that my student loan had doubled the amount owed from Navient formally known as XXXX XXXX. They are claiming that I owe them XXXX for my XXXX education. I am in disagreeance with them regarding this amount. The amount previous shown was XXXX it has now doubled. I am requesting proof. It also indicates that this loan is 91 % paid.
Consumer complaint received 2018-01-13
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. (VA)

My Exquifax report shows a joint credit card on my file as having a balance of over XXXX and late when not only is that account closed but the balance is {$0.00}. This error is causing my debt to credit ratio to be extremely high and is negatively impacting my credit. Additionally, this shows as a 30 day late when this is not accurate as NO bills were sent to me after moving and with XXXX locking me out the account i had no way to determine the status of this account.
Consumer complaint received 2018-01-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (NJ)

First : you do n't have the right category listed for my problem : My problem is : Ally Bank customer service is not willing to provide the dealer payoff amount to me. They are only willing to provide customer payoff and no other info. I spoke to the managers at both departments. The secrecy around car business is extremely disturbing. A lot of people are getting ripped off real bad. In this case, I need the dealer payoff, to estimate if the dealer would buy the car from me. If the loan has a negative or positive equity. In order to just estimate that, I would have to go to the dealer, provide all my personal info and sit at least an hour, before that dealer payoff quote is received by the dealer. After that, the dealer might or might not wan na give me that amount either. This is absurd. The car business is so dirty, the laws must be improved to help customers. And by the way, I called my car salesman 3 times, left 3 voicemails, and he never called me back. I already sit there for an hour, I am not going back to sit more for nothing ... So how would I ever get my car deal done???
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MO)

I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act
Consumer complaint received 2018-01-13
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: EQUIFAX, INC. (KY)

I recently filed a complaint for a company by the name  XXXX XXXX XXXX XXXX XXXX . 
A XXXX XXXX Company XXXX XXXX XXXX XXXX # XXXX, XXXX, KY XXXX ( XXXX ) XXXX Fax ( XXXX ) XXXX Phone I have been contacted by this company and NO LONGER WISH TO FILE THIS COMPLAINT THIS MATTER HAS BEEN RESOLVED. 
Please remove the complaint Thank You XXXX XXXX XXXX XXXX XXXX XXXX