davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

This complaint is against Chase Bank Credit Card. I always pay my balance in full ; last statement was for {$1100.00} ; I paid {$1100.00} because there was an outstanding credit that had not been posted. I was NOT TOLD that if that credit was disputed by the vendor, I would be charged an interest on the full amount of the statement. I call this FRAUD AND ABUSE OF CONSUMER CONFIDENCE.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (VA)

XX/XX/ 2017 I received a letter form Citi Bank - XXXX XXXX XXXX, XXXX XXXX, SD- XXXX stating I was turned down for a credit card with them. 
Due to the XXXX Report " You have filed for bankruptcy and your previous account ( s ) with us was included in that filing.

I have never had a bankruptcy and never a card with them. I also pulled up my credit file with XXXX and it does not reflect anything, that their letter states.XXXXNow, I have been denied credit and it is a hard inquiry on my report. 
I tried calling the company and no one will help me, says to contact XXXX.
Consumer complaint received 2018-01-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

unfortunately at the current time since XX/XX/2018 I haven't been able to make my payments to navient due to my insufficiency of being able to pay all my current bills. I have asked navient to defer any of my payment ability .. in which they declined ... Since XXXX 2018 I get like 1-3 calls per day fro m randing area code # 's all in which are Navient requesting contact wih me. I have rejected almost all of them ... and consistently explained my reasoing of un-payments .. Still they continue to harrass me daily.. What can I do next? 



THANK YOU, XXXX XXXX
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

Your options do not list the proper option for this issue. XXXX is trying to collect a debt that I do not owe. They sued me and I won the law suit. The court determined this is NOT MY DEBT. I have attached both the judgement resolution AND the copy of the Equifax file stating that they contacted XXXX and are leaving it on the file.
Consumer complaint received 2019-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AZ)

My mortgage is XXXX. On XX/XX/XXXX, I made my a full payment. Since then, I read in my XXXX magazine, if you make 2 half payments a month, it's like making an extra payment a year. So I made a XXXX payment on XX/XX/19 and a XXXX payment on XX/XX/19. Thereafter, XX/XX/19 and XX/XX/19, XX/XX/19 and XX/XX/19. Now I should be paid up through XXXX. I get my billing statement for XXXX and it says that XXXX is due on XX/XX/19. Ditech applied XXXX of the XX/XX/19 payment to XXXX to the principal and XXXX to escrow and held the XX/XX/19 payment in Funds in Suspense and the charged a late fee of XXXX on top of that. They denie that's what they did. Now I see another late fee applied to my XXXX payment after they received XXXX on XX/XX/19. Please correct this accounting nightmare.
Consumer complaint received 2020-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (TX)

We were at the end of the loan on a XXXX XXXX when it was in an accident. The person that hit the car did not have insurance and we had purchased GAP insurance with the company. We have been still making payments on time and trying to work through the GAP insurance policy when Ally sends a letter saying that we have not made payments and the car was going to be charge off and it would go on our credit report. 
We called GAP and they said they needed payment history and a running balance with the payment history so they could make a payment to ALLY. 
Ally has only sent them the payment history and not the running balance, they claimed they don't do that. 
We have made payments on time for the length of the loan and are still making payments on the car, all while they are demanding payment in full before they send it to our credit report. 

Never in the history of banking have I heard of a bank charging off an account while still receiving payment and they know that GAP insurance is still being worked through.
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XX/XX/XXXX, I transfered XXXX, - from my bank account via my XXXX card to my Coinbase wallet. I did this two times ( = XXXX, - ). 

However, none of the two purchases arrived at my Coinbase wallet. 

To this date ( XX/XX/XXXX ), I tried to contact the Coinbase customer support 3x via the email form, as this is the only way to reach them. I only got automated responses, but nothing else! The money is still missing. 

I contacted my bank, but they were unable to help me, since the money was transferred correctly. 

You are my last hope! 
( Sorry for any spelling mistakes, I am from XXXX )
Consumer complaint received 2018-01-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (TX)

Company named Contract Callers  submitted a derogatory mark on my credit report on XXXX-17. I  have no idea what this negative mark is for nor have they contacted me regarding the amount owed of  XXXX. I have no idea what this was for and I wanted to see if this can be deleted from mt report.
Consumer complaint received 2021-01-20
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. (OH)

THIS IS THE 4TH TIME I HAVE HAD TO COMPLIAN ABOUT SEVERAL ISSUES. MY NAME IS XXXX XXXX XXXX SS XXXX DOB XX/XX/ PLEASE REMOVE/DELETE ANY OTHER VARIATIONS OF MY NAME ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). THERE ARE SEVERAL SOCIAL SECURITY NUMBER ON MY CREDIT FILE THAT I HAVE REQUESTED TO BE DELETED, PLEASE REMOVE DELETE THE FOLLOW SS NUMBERS : SS XXXX, SSXXXX, SSXXXX, SSXXXX PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS : PREFERRED LEASE XXXX XX/XX/XXXX/XXXX/XXXX XXXX, XXXX XXXX XXXX # XXXX. THE IS THE LAST TIME I AM FILING A COMPLAINT MY INTENT NEXT IS TO FILE A LAW SUIT.
Consumer complaint received 2018-01-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

XXXX XXXX, my student loan company, sent me an email saying they have given me two months forbearance on my loans due to natural disasters in my area ( mud slides and fires in XXXX XXXX ). I never agreed to this. I was not asked if I would want this. This would mean my loans would accrue interest without a payment made to my principal balance. I now have to call to be taken off forbearance causing me an extra step for something I did not ask for. This seems like a plot to make some money on people who are not closely monitoring their accounts. I have attached the email.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I have contacted Equifax several months ago and asked if the would remove information that is not mine. Every time I dispute it they never removed it even though I have submitted all the necessary documents even a police report and a letter from the District Attorney explain that I was a victim of Fraud.
Consumer complaint received 2021-11-26
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. (OH)

The following account has been in dispute for over 30 days. I opened this dispute back a few months ago. 

XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$100.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification UTILITIES Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI  XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-16
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: BARCLAYS BANK DELAWARE (FL)

On Friday XX/XX/2018 I noticed I had lost my Barclays Credit credit card, when I logged in to check for any activity there was fraudulent charge in the amount of {$3500.00}. I proceeded to call Barclays to notify them of what had happened so they cancelled that credit card, issued me a new one and opened a fraud investigation for the amount of {$3500.00}. 

On Wednesday XX/XX/2018, I get a call from Barclays fraud department indicating they have concluded the investigation and all the information they have align to the charge being legit and they verified it was me. As you can understand my outrage, how can they have verified it was me, when it was not. What has this company done to protect my interest as a consumer? They are in turn, falsely accusing me and holding me accountable for fraud activity on my card instead of protecting my interest. 

Now I went online and notice my credit limit of {$10000.00} has been reduced to {$4000.00} when I have been a client of Barclays for many years, never been late, paid off credit card a few times. i also hold many credit with high available credits of more than {$20000.00} such as XXXX, XXXX XXXX XXXX, XXXX,  XXXX, etc yet they have no problems with me nor have reduced my available credit card.
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX On XX/XX/XXXX I made payment of {$1000.00} thru PayPal to XXXX XXXX XXXX and purchased a laptop. I haven't received the laptop yet and seller is not responding to me. I did complain the issue to PayPal and PayPal put a lock on the seller 's account but PayPal is not giving me any details not refunding me the money either. 

I would request you to look into this case. 

Regards
Consumer complaint received 2017-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I lost XXXX dollars because of a flash crash caused by a market order which caused the price of ethereum dropping over 29 % in seconds and sparking a cascade of margin calls and stop loss orders. I am one of 800+ other investors from which this occurred to totalling a loss in the XXXX as our asset price flashed from over 300 dollars to cents within a second as the site went down ( locking in our trades ). This occurred on the XXXX site which is a Coinbase company. They said there was no error however they started reversing trades on the Coinbase site and not XXXX trading site. Many people lost life savings in the belief this flash crash was n't possible because of proper controls set in place by XXXX.
Consumer complaint received 2017-06-22
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. (OH)

I am in the process of purchasing a home. I pulled my credit report only to find over XXXX credit inquiries on my report, one collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXXXXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien XXXX.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: U.S. BANCORP (OR)

I received a call from XXXX saying that I owed $ 200.00+ on a US Bank account from an over draft. I do not currently have a US bank account and have not since prior to 2006. I asked for more information on the debt, and asked for the number where I could reach out to US Bank to confirm the outstanding debt and make a payment directly with them. When I refused to pay over the phone, I was called and " ignorant XXXX XXXX, '' and was promptly hung up on. I called back to speak to a supervisor, and ended up in a voicemail box. I left my information to have a supervisor call me back so I could get more information on what was going on. After a couple of minutes, another number, this time, XXXX called me back. At first it seemed somewhat normal, we went through verifying my information, none of which, except the phone number and first and last name matched my identity. At this point, I was threatened with a warrant being filed on me ( or the other person bearing my name ) and that they " would see my XXXX in court. '' After this call I called US bank to confirm the information I got from them, as they had given me an account number. The account was not found at US bank, and I was told this was likely a scam.
Consumer complaint received 2017-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (WA)

I had Identity Theft on XXXX XXXX whit US BANK in WA. someone start usying my bank acc. online. Frauds people get access to all my accounts like personal and business. I close accounts and opened new one. Banker sad it will be all good. But few days later find out some one use accoute again. I did it several times, and in same time I didnt use online bank, only branch. All this didnt help in my situation. Fraud people had my SSN, address, phone number and my date of birth, and all other info to verafite them self like my. I had tons of equires on credit report. Even up to ten aplication for credit in US BANK, and they ready knows about my situation. Finaly Im stop using US BANK and close all accounts, how I was thinking. I did claims whit banker in branch. It was many of claims, I didnt even count them. Get approvals on claims and some checks for it. I brought all check in same branch and whit banker deposited by accounts what they for. All this in XXXX XXXX. I know, I should have some left balance on some account, like my business credit card. We finded out Two balances left. Its my business credit card and PRIMIER LINE, that how they calling credit line attached to checking account. MIDDLE XXXX XXXX. In middle of XXXX XXXX I paid off balance on PRIMIER LINE About {$2700.00}. and keep paying for mu business credit card. Each mount i get statement for business card, but NON ONE for PRIMIER LINE. I think that was close and done. On XXXX XXXX trying to pay off my business in branch, finded out I HAVE a balance on my PRIMIER LINE  abour {$450000.00} and some late fee. From XXXX to XXXX nonone contact me and they had my info, because still own them on my business card. Banker of branch in XXXX, WA tryed help me. But nothing happened. Than manager get in charge. He called to his Boss about my claim and get refuse. Again all that situation come back to me. I did baches of calls to Customer service, just spend hours of my life for nothing. They just transfer and transfer you around and non of them can help, dont have access or power to look and talk about. Sins XXXX to XXXX XXXX XXXX i didnt get ANY letter about progress of investigation or review on my account or case. They spend a time on words. Now that account under collection. When I asked BANK to get me a proof of investigation and result on official paper, they dejected and refused. No explanation. Please help me to review all my accounts and find out where and how was formed balance on PRIMIER LINE. Need to review and investigate all accounts what was Frauded, because they was connected to each other on Online banking and been compromised. I hope you can help me to find the TRUTH. Thank you
Consumer complaint received 2018-01-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

Hello, I am back again to discuss Navient. I have been having problems for a while. My federal loans are on a more affordable monthly payment. However I am having problems with the private. I received a letter yesterday from my federal loans demanding the payment of my entire loan in full. I was confused because i had just started the new lower payment program. I called them and they stated that it was past due but later said i was up to date. He then told me it was my private loans. I spoke to the private loan department last month to discuss some options for repayment. The first person i talked to said that they could not lower the interest rate under 7. Her manger then told me he could get it to 1 but for only a short time then it would go back up. Then he presented me with a payment plan that would have been automatic and had other information about the plan he could not email me in writing. They wanted me to listen to a voice automation that was talking so fast that i did not feel comfortable agreeing with the terms. he told me to just keep replaying until you understand!!! I was taught to read before you sign. He made it seem like it was an offer I had to take or would lose it. He kept telling me that he could not email me the document. I cant get anywhere with the private loan side. I would like from them to send me copies of all of my history. I would like to see the original document i signed at XXXX XXXX. I also would like to receive the document with that payment plan that they could not provide. I strongly felt bullied in that situation. I would like for them to send me the correct info. Are they going to help with my private or are they demanding the money i dont have, and cant borrow. They stopped taking credit card payments but even still at this current time i cant give them the full. My salary is just as much as my loan. I cant switch careers because its hard finding a Job as is. I have been paying on my loan for since 2009 and i just started having issues. 8 years of payments and my loan has gone up.
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

Since XX/XX/XXXX Ive had a support ticket open with Coinbase support to unlock my funds in one of their accounts. They have promised timely support and have asked for my patience but the weeks are turning into months and I still dont have access to my funds.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

The credit bureau is reporting an address and phone number on my credit report that are not mine. I have never lived at " XXXX XXXX XXXX XXXX, XXXX, VA XXXX ''. Also, my phone number has never been XXXX. This information is inaccurate and needs to be removed from my credit report. I do not want someone who checks my credit in the future to associate me with this address or phone number that I have never used before.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

When trying to transfer money from my Chase account to my external XXXX XXXX XXXX account it was placed on a security hold. 
When I called up to release this temporary hold, I was asked 3 security questions.

The system did not accept one of the answers, and now my online account is frozen.

Chase has said the only way to resolve this, is to go to a Chase Bank, with 2 forms of ID.

I live in the XXXX  ( XXXX ) and can not walk, and I have not been in a Chase bank in the USA in 4 years. 

Chase are asking me to take time off work, fly to America, and show them ID, so I can access my own money? 

They are happy to verify me on the phone and discuss my account in detail, but they will not unlock my online account. 

Not acceptable. 

I have called and spoke to countless supervisors, security teams etc and the answer is the same.
Consumer complaint received 2018-01-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (WA)

I have a debt for {$2000.00} that is held by XXXX XXXX XXXX ( ERC ).  They called my mother on Friday, XX/XX/XXXX, around XXXX XXXX pacific time. They asked if there was other contact information for me, which they are allowed to do, but then XXXX XXXX left a message with my mother to be forwarded to me, asking for me to call them back at XXXX, using reference number XXXX, saying I needed to call back within the next two hours because XXXX would be gone after two hours. Then, on Saturday, around XXXX XXXX, XXXX called my mother, again, asking to speak with me. My mother told her that she had relayed the message and there was nothing more she could do, but my mother should not have even had to be bothered with relaying a message that sounded like it was urgent, nor should she have been harassed with a second call. My debt is my issue, not my family 's.