davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CORELOGIC INC (MI)

Credco did a hard pull without my consent. I have been working with 2 companies for debt consolidation and receiving many calls. I never spoke with anyone from XXXX but they are affiliated with a company I did get a hard pull from and declined an offer. After declining the offer 6 hours layer XXXX, a subsidiary did a hard pull. I had not gone through the full process with XXXX or XXXX ... idk, A micro lender I have a debt with and am trying to consolodate. I never signed the final stages, just doing preliminaries. I found a much better offer. I am closing. I did chat with another lender, assured we were browsing. My credit WAS GREAT, now feeling retaliation.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (NY)

I just pulled my credit report, and discovered that a late payment was reported on XX/XX/2018 for my account # XXXX. 

Due to various circumstances at the time I fear that I would be unable to make my upcoming payments on time, because of this I applied to put the loan on forbearance which I was approved for. I was instructed that I would be debited a portion of the payment to activate it but apparently the payment was never received according to what a rep told me over the phone which is why the loan was not put on forbearance and why I have this late payment. They charged the wrong bank account! I did everything I was suppose to this is completely their fall and they wont take responsibility for it!
Consumer complaint received 2019-11-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MECHANICS BANK (AZ)

The company has harassed me throughout the past several months. At one point one agent has told me, you need to grow up and learn how to pay your bills. Ive been threatened to remove my items out of my vehicle at work so someone could repossess it. Ive been bullied and harassed in the phone. Ive asked several times to call during their business hours when I am not at work and have provided them with my work schedule. They refuse and constantly call me at work even though Ive explained I will lose my job. I have refused managers, when I ask to speak to a supervisor with a new excuse every time. Ive been hung up on and mistreated every time.
Consumer complaint received 2021-02-03
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. (IL)

XXXX, Equifax, XXXX  has allowed XXXX XXXX to report open account on my credit profile although I notified the credit card company that the initial account was opened fraudulently. Ive also notified all three bureaus of this. The company is now violating my rights under The FCRA and has re-opened an account that should have never been there in the first place. The account is showing re-opened in my credit file as ofXX/XX/XXXX and has also cost me -45 points.
Consumer complaint received 2018-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

On XX/XX/XXXX, I sent a wire transfer of {$500.00} to Coinbase to be deposited into my account to use for trading of cryptocurrency. Coinbase was pretty backlogged at the time, so they said it could take up to 10 business days for the money to be credited to my account. After the 10 business days had passed, the money still did not show-up in my account. I tried calling the company, but they don't have phone support for these issues. I submitted a case through support.coinbase.com, and they just sent me a canned response. I keep sending more emails, and each time I just get a canned response. They think I am under 18, when I am, in fact, XXXX years old. They even had me resubmit a photo of my ID to prove my age. They have not once addressed where my money is or how I can get access to it. I talked to my bank, and they submitted a recall of the wire transfer from the receiving bank. It has been 2 1/2 weeks since they submitted the recall request, and XXXX XXXX XXXX has not responded at all to the request. I don't know any other avenue to get my money back except for your service.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

TO : CHASE XXXX XXXX XXXX  XXXX XXXX XXXX TEXAS, XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SUBJECT : UNAUTHORIZED TRANSACTION BY CHASE for {$1000.00} This letter is for Consumer Financial Protection Bureau to please do an investigation on my account ending : XXXX JP Morgan, Chase, where I had been taken from my account without authorization the amount of {$1000.00} on XX/XX/2020 paying a Company that was already paid in full. ( See Attachments ) On XX/XX/2020 : I asked for a Loan with XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$1000.00} finding out that this company the payments were too high. 

On XX/XX/2020 : I paid the loan off for the amount of {$1000.00} ( See Attachment ).

On XX/XX/2020 : An Error occurred with a REVERSAL action for the amount of {$1000.00} done by Chase giving {$1000.00} back again. ( See Attachment ). I contacted the XXXX XXXX immediately, they told me that the account was paid in full and for the amount of {$1000.00} and once they close the account, they can not receive any more funds or money. 

I will like that Chase return my money, because I already send letters to their main office, SEE ABOVE ADDRESS with no respond. When I go to their bank at XXXX XXXX Florida, they immediately start saying that is not true. When I have proof that this amount was taken from my account. Please return to me a check for the amount of {$1000.00} owe to me. XXXX FDIC XXXX. This is the first time that a Bank take money from me. 


For any questions, please contact me via XXXX mail XXXX Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

A user in XXXX offered to me an exchange of PayPal funds to ( USD XXXX XXXX to pesos. But after sending PayPal funds to this user, this person blocked me. I tried to reverse immediately the transaction with PayPal but they say this not covered in their terms. I believe this scam is a fraud and this should be investigated. 

Case Id. : XXXX ID XXXX My username is XXXX in PayPal. The fraud was performed by XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

While reviewing my Equifax credit report, I see that an address that is listed is a place that I have never lived. How can I have this removed? 

I have never lived at the following address : XXXX XXXX XXXX XXXX, NC XXXX Thank you XXXX XXXX
Consumer complaint received 2022-07-28
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (NY)

EOS CCA reached out to me on numerous occasions about a debt to XXXX XXXX. I advised them that the account was involved in some type of fraud and that I was in the process of filing a complaint with the state of New York, but they have continued to call. They have even gone as far to call relatives.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

As of XX/XX/2021, interest rate on Chase " Slate Credit '' card will be 29 %. Why is this legal when " 0 '' interest rate is what interest is for Banks as of last report from Treasury. 
This is absurd to bulk Consumers for this high of interest on a credit card when Chase bank pays '' 0 '' interest rate. 

Is there no control or protection for Consumers?
Consumer complaint received 2021-02-03
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. (CA)

XXXX XXXX XXXX Balance : XXXX - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX Balance : {XXXX - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX Balance : XXXX - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX Balance : XXXX - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance : XXXX - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXXXXXX Balance : XXXX - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Privacy — 
Company: BARCLAYS BANK DELAWARE (CA)

Hello, Today I received an email from Barclaycard XXXX The message reads as follows ... .. 

Dear XXXX, We 're confirming your recent request to change the telephone number on your account ending in XXXX on XXXX/XXXX/2015. 

Next time you need to make updates to your account, visit us online at www.BarclaycardUS.com and click Your Profile. 

If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose. 

If you do not recognize this request, please contact us immediately at XXXX XXXX XXXX XXXX. 

-end message. 

Realizing I never put in such a request, I did of course call the phone number listed. The automated system confirmed my identity and after doing so began to remind me that my payment was over-due ( I asked to have the card closed and sent to collections, barclay card is continuing to keep it open and charging me interest ). I dialed zero until a person came on the line. This employee looked at the record and saw no change and confirmed that my current phone number was still the phone number on file. He also asked me if I have ever had a different phone-number, irrelevant question, and my answer was no. I then asked to speak to a supervisor who had nothing constructive to add. I believe this email amounts to nothing more than self administered corporate phishing. It is a disgusting, outrageous practice which utilizes the fear of losing your personal information to compel the consumer to call in to the phone number provided only to be reminded of the debt that needs servicing.
Consumer complaint received 2021-02-03
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: Penn Credit Corporation (NY)

This was a XXXX XXXXXXXX bill from my college days. It was the responsibility of my roommate and I don't know how or why my information is on it for them to say I owed money. I called the company about it and the rep I spoke with said it would be removed if I paid it in full. They lied!!!! Its still on my credit.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

I have been having issues trying to resolve delinquent status with XXXX XXXX student loans. I have 3 student loans with XXXX XXXX and was always attending classes. While attending school, you are not forced to pay your student loans. On XX/XX/XXXXand XX/XX/2014, I was attending school like normal, but I took 1 class less than normal because I was in the process of moving. It was never stated to me, that if you take less than 4 classes you are considered " part-time '' and are forced to pay your student loans. I then moved to a new location and I never received any notifications that I was considered " part-time '' and had to pay my monthly dues for my student loans. I was still always enrolled in school and I did not have any due balance because while enrolled in school, you are considered to be a student and not pay XXXX XXXX student loans. On XX/XX/XXXX I noticed that XXXX XXXX was charging me for the months of XX/XX/XXXX and XX/XX/XXXX and since enrolled in school, I thought I did not have to pay, thus XXXX XXXX reported delinquent for 2 months for each of my student loans, which is 3 loans. So I received a total delinquent of 6 for the year! XXXX XXXX should of notified me, whether it was mail, or email regarding paying this loan because I took 1 less class then normal, it classified me as a " part-time '' student. There was no mention of this on the terms of the loan. Now because of this delinquent status, no bank allows me to obtain a credit card, or any loan! They should resolve this as this is effecting me as a student and my overall life due to a mistake that was not mine. Thank you.
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (TX)

I am not familiar with this account. I have contacted ALLY FINANCIAL concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. ALLY FINANCIAL has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (OR)

There was a home invasion burglary of my home in XXXX, XXXX. Since then I have had my identity hijacked, and am the victim of identity theft. I have been bombarded with attempts to open credit in my name on a regular basis for the last year. I have placed a FRAUD ALERT that requires the creditor to call me before approving new credit in my name. So far this method of protection has protected me against about 30 attempts to open new credit in my name. However, on XXXX XXXX, XXXX, I received a letter stating that Synchony Bank in Florida had issued a new Walmart credit card to a XXXX " XXXX ''. Please note that is not my current last name! I called them, and they would not close the account, even though I informed them of the fraud! They did check the credit bureau prior to issuing credit. If they had checked the credit report, they would have seen that there was a " FRAUD ALERT '' requiring that I be called prior to approving new credit. They did NOT call me! I was forced to call Walmart Corporate office to inform them of the fraudulent credit card approved by Synchrony! Walmart Corporate assured me that they had closed the fraudulent account. I would like to file a complaint against Synchrony Bank for issuing fraudulent credit that could have been prevented if they had followed policy and checked the credit report, and then called me before issuing credit as specified in the credit report!.
Consumer complaint received 2021-02-03
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. (WI)

My XXXX car loan is showing late payments. I have been attempting to have the late payments removed by disputing every month since XX/XX/XXXX. I've disputed between the months of XX/XX/XXXX - XX/XX/XXXX. Each time the dispute is initiated - XXXX reports updated information to XXXX, XXXX  and Equifax changing the level of delinquency and in which months the payments supposedly happened. The Fair Credit Report Act explains that since the information is inconsistent it must be removed and not updated. I attached the latest example of how XXXX  is reporting different late payments to Equifax and XXXX. Please help me to have all late payments removed from my credit reports.
Consumer complaint received 2021-02-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (FL)

I was falsely under the impression that this loan was under a deferment or forbearance like other student loans during this international crisis. Apparently, this did not apply to my private student loan. 

This company, Mohela, has put me in financial dire straights before, forced me into bankruptcy, and caused immense amounts of stress on my family due to their horrible communication practices and unwillingness to assist in any way. 

In XXXX, I filed for bankruptcy under pressure from a defaulted student loanwith Mohela. This student loan had fallen into bad standing as I had called Mohela to file for an economic forbearance option and was not informed I had only placed this option on the federal student loan held by Mohela, not the private student loans they also serviced. 

I came out of bankruptcy in XXXX, expecting to have accounts reset and be able to start with a fresh slate, and Mohela had not done any of these things as my other accounts with other creditors had. My forbearances were never reset, I was out of any available options when financial hardships arose, as they had already exhausted these options prior to and during the bankruptcy. 

When the bankruptcy period was over, and payments resumed for this loan, they were entirely too high for my family to afford. We contacted Mohela to put a payment adjustment in place, and they do for a time, but it expires, and each time, we file for a new modification. They want more and more information, and they do not contact us to tell us it's missing. You must log in to the website to find details. 

This year, as stated before, I erroneously thought this company would be giving us relief due to the pandemic, and instead, what they did could only be considered postal harassment. We tried to apply for a payment deferment in XXXX, a payment modification, anything to help get us through, and they denied us for missing income verification. 

Now we are receiving letters telling me I have defaulted on this loan, and to contact the legal department, during a global pandemic, during an unprecedented time, and during a time when student loans were supposed to be offering relief. 

I am feeling backed into a corner here. They offer no options to help.
Consumer complaint received 2021-02-03
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. (TX)

I received a letter from anytime fitness on XX/XX/2020 saying they were removing a collection amount XXXX {$260.00} XXXX from my file. I've disputed with XXXX  twice but as of today its still on my report and negatively affecting my credit score. Also in XXXX of 2020 I had over {$26000.00} in credit card debt. I've since paid it down to {$13000.00} but transunion has only raised my credits core 10 or so points? This is ridiculous. The only reason these credit reporting agencies leave negative stuff on your report is so you have to spend several hours getting it off, so you repeatedly have to keep coming back to their website and viewing all their advertisements again and again. Because this collection debt is still on my report I've not been able t ok get a loan or other credit cards during this uncertain time of covid. Why are these credit reporting allowed to have so much control over me and taking care of my family?
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (GA)

On XX/XX/2018 I contacted National Recovery Agency by certified mail to inform them that they had listed some incorrect items on my credit report. 
They have missing information for my account number and they have the status as open, when that account is closed and has been for months. When I contacted them they did not respond. All of this is in violation of the Fair Credit Reporting Act. They are supposed report correct information on my report and they have violated several laws, including not responding to my letter within 30 days. If that were not enough, with no action taken I reached out to them again on XX/XX/2018 by certified mail. But to no avail, no response again. Enough is enough! Improper reporting, missing info and incorrect status of my account is severely damaging my credit. I also reached out to the 3 bureaus where it was listed incorrectly and XXXX  deleted that account. I have enclosed copies of receipts of the certified mail, letters of communication to National Recovery Agency and a copy of my XXXX  report where it was deleted. Also I am writing the Attorney General Office and the XXXX.