davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
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: Chime Financial Inc (NJ)

On XX/XX/23 I was fraudulently charged {$760.00} by XXXX XXXX XXXX without authorization. I contacted Chime immediately to dispute and get a replacement card. Chime denied the dispute with no evidence.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I transferred approximately XXXX LTC from XXXX ( Coinbase 's exchange ) after a somewhat glitchy " submit '' button was presented on screen, noting that I 've made too many transactions within the hour, despite only making one other withdrawal. My account is verified as well, so this was odd. Eventually after trying 3 or 4 times, the transfer said " submitted ''. This was XX/XX/XXXX. Around 13 days later ( XX/XX/XXXX ), I have still yet to receive the XXXX LTC from my XXXX account to my Binance account. On the Coinbase site, if you send any crypto from XXXX to another place, say a wallet or another exchange, there are two transaction notifications. One says " Transferred X '' and the other says " Sent X '', where X is the cryptocurrency. On this transaction, unlike the others, it just has " Transferred X ''. The certificate on the site was valid, and I always read aloud and double check the addresses to make sure they are correct. All this causes me to believe that Coinbase still contains my LTC ( worth ~ {$50.00} ). I 've sent support tickets and called, but no response has been made and I would like my money back. I am Case # XXXX.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (WI)

I filed a ftc report pertaining to this alleged fraudulent charge card account and sent the ftc report to Discover Bank. Making them aware of the fraudulent charge card account that was opened by someone else using my identity. The company responded back to me through USPS mail stating that. This account was in deed owned by me which is 100 % false information. When I first contacted the company Discover Bank about this issue through the CFPB complaint website. Their company didn't even have my current address on file in their system until I filed a complaint using the CFPB portal website. And they took my address where I have currently been residing since the year XXXX and committed fraud themselves. By switching my current address on the bank statements that they sent me through USPS mail. On XX/XX/XXXXXXXX  when in fact this fraudulent account had been open under a completely different address that do not belong to me. As XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I have uploaded and attached the " REPRINTS '' with this complaint showing proof that. Discover Bank have committed fraud using my identity to make the credit reporting agencies believe this account legally is owned or belongs to me.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I want these student loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of 1974 these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.
Consumer complaint received 2022-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Stilt Inc (CA)

I'm currently trying to pay off a loan with Stilt , IncXXXX XXXX # XXXX. I overnighted them a check viaFedex on Tuesday, XX/XX/2022 and they received the check on Wednesday, XXXX XXXX at XXXX. Tracking number XXXX ; proof of delivery attached. It's now XXXX XXXX and the lender is advising that they have not received the check and is refusing to help. XXXX was issued through escrow on a refi that I did, so the check is not drawn on my account. XXXX advised that they did not receive the check I asked if I can wire the money and they said that theydo not accept wire transfers. They only accept debit payments or XXXX, which does not work for thistransaction. I have been calling and following up with them for a week and they are not even looking forthe check. I was told on Friday XX/XX/XXXX and Monday XX/XX/XXXX that they were followingup with the warehouse where they recieve mail on the check. They said they would get back to me butthey never actually do get back to me. I'm getting badgering collection calls because my payment is nowlate. Soon they will report the account late to the credit bureau 's. Interest is also continuing to acrruewhile the payment should have been applied on XX/XX/XXXX. Customer service refuses to allow meto speak with a supervisor or XXXX who may be able to help. They are ignorning my requests forhelp to get the loan paid off. I have only held the loan for 9 months, so they are probably refusing toaccept my payment in order to continue to accrue interest on the loan. I need help getting them to acceptmy payment. 

After I initially filed this complaint, the company found my check and advised that they would backdate the payment and apply it to my loan. However, they did not do that and applied the check 7 days after receiving it, resulting in additional interest of over {$150.00}. They are now refusing to correct the payment date and properly refund me the overpayment amount. The check I provided was {$21000.00}, and the payoff amount due on XXXX was {$21000.00}. I should be receiving a {$430.00} refund, but they are refusing to refund me more than {$250.00}. Included here as an attachment is the email from them advising that they would backdate my check and post it to my account. Stilt provides the payoff amount online, and I watched the payoff amount increase daily between XXXX and XXXX. They applied my payment effective XXXX instead of XXXX in order to improperly charge me additional interest.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

XXXX Chase Credit Services XXXX XXXX XXXX This letter is in regard to the information that you are reporting to my consumer credit profile and a request to remove the item off of my credit report. This is a valid request as stated in the following Regulations. 15 U.S. Code 6802, 6803, 6804, 6805 I never gave consent for this nonpublic information to be disclosed to any third party, if consent was given and conspicuously hidden. It also stated in your terms and conditions that you do not disclose any information to a non-affiliated third party company. 

The account is also showing to be charged off and therefore a 1099 has been issued and the IRS states that when the debt is charged off, it is then considered income.

16 CFR 313.7 Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice This was not a clearly provided and conspicuous notice that accurately explained the right to opt out.

( 5 ) ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( 5 ) ( g ) ( 1 ) Duration of consumers opt out direction. A consumers direction to opt out under this section is effective until the consumer revokes it in writing. 

( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX. ) Obligations with respect to disclosures of personal information ( b ) Opt out States A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless - ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed ( 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. ) - Disclosure of institution privacy policy ( 2 ) with the consent or direction of the consumer. I am rescinding any disclosure and giving you direction that this information shall not be disclosed to any third party including consumer credit reporting companies. 


I am asking that these accounts be removed from all three credit reporting agencies, due to your violation of terms and conditions. 


Thank you XXXX XXXX
Consumer complaint received 2020-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (VA)

I was a few days behind on personal loan due to unprecedented effects from Covid crisis. Upgrade promised that they would not charge a late fee during this period. I am not behind with payments however since I was few days late making my monthly payment they have charged me {$10.00} late fee. I have spoken to at least 3 clueless associates and they insist that they can not and will not reverse the {$10.00} fee. It is {$10.00} guys. We are in the middle of an unprecedented crisis. You promised me numerous times that you will not charge a late fee. Come one, you are the XXXX  of XXXX  for your actions. Shame on you Upgrade. You lost a good customer for {$10.00}. I am not even late and in fact ahead of schedule. You are lucky that I care about my credit and trying to payoff this loan as soon as possible to never have to deal with you again. I hope your company wakes up before its too late.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NH)

I made an online payment to Ditech for XX/XX/XXXX for {$550.00}. 
They took out {$1000.00} including the XX/XX/XXXX payment and now my account is overdrawn.
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

AES has not provided accurate records to Federal Student Aid. When I view my AES loan details on studentaid.gov, the loan history shows my repayment starting on XX/XX/XXXX ; however, my loan repayment began in XXXX. Therefore, I am requesting they provide updated records to FSA starting in XXXX. 


AES has not provided me with accurate/ fully payment history from my loans. The payment history AES provided to me is only from XXXX ; however, the missing payment history should be from XXXX. I requested this for my own records too.

These inaccuracies are preventing me from completing the PSFL process that I started two years ago. If this issue is not resolved in a timely manner I will continue reaching out to other advocates.
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I wired {$10000.00} to Coinbase on XXXX/XXXX/XXXX. I have been told to have patience that the money will be in my account. Then on XXXX XXXX XXXX they emailed me to tell me they found my money but that I needed to verify my identity. I verified my identity no less then 10 times and every time I call to get resolution I am either hung up on or told to have patience that they will get to it soon.
Consumer complaint received 2018-12-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NH)

Credit Acceptance Corp reported a vehicle repossession to my credit report in XX/XX/XXXX. The company is claiming {$4400.00} is due on the account. I have requested to the company documentation including ( 1 ) a signed agreement with the dealer, ( 2 ) the original bill of sale of the vehicle ( 3 ) a bill of sale following the repossession of the vehicle and subsequent sale of repossessed vehicle ( 4 ) Any documentation pertaining to the purchase of the vehicle and its its repossession. These requests were made to Credit Acceptance on XX/XX/XXXX. When requested, the company claimed to possess the required documentation but has yet to send them via certified mail. The reported items were disputed with the credit reporting agencies on XX/XX/XXXX. 
Credit Acceptance has not contacted me with any requests.
Consumer complaint received 2017-02-01
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Clearing House of America, Inc. (KY)

I used my XXXX card to get the service I needed, but at the time I was n't old enough to have a supplement. They turned this over to collection in record time. I had a XXXX XXXX on XXXX/XXXX/16. They could have made arrangements with me, but chose to affect my credit score, which it did by XXXX points.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (AZ)

I applied for XXXX XXXXXXXX XXXX XXXX XXXX on XXXX, XXXX and finally on XX/XX/2023 and got denied on all occasions without any reason or explanation. They claimed they will mail out the reason, but they never do. When I contact them they never respond. Regardless of the reason for being denied. I have the right to credit. Withholding my access to securities is securities fraud. 

You are violating the equal credit opportunity act and consumer credit protection act.
Consumer complaint received 2020-10-09
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: EQUIFAX, INC. (CA)

There is a XXXX Mastercard account reporting on XXXX and Equifax that is not mine. I was not liable on this account and was only an authorized user. I've tried to contact XXXX and they were unable to locate this account.
Consumer complaint received 2018-12-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I have two student loans that have been on forbearance for nearly twenty years. In the past ten years that the loan has been with Navient, they steered me toward forbearances instead of income-based repayments. I was in various states of unemployment and underemployment up until the past year. I want to pay the loan off, but the interest has ballooned the balance to three times it's original amount. 

The original amounts for the two loans where {$6100.00} and {$16000.00}, which have increased with interest to {$24000.00} and {$35000.00} respectively at 8.25 %. 

I'm currently in the process of consolidating the loans in order to avoid default. Navient offered income based repayment somewhere around {$600.00} a month, which I can not afford.
Consumer complaint received 2023-12-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (MA)

I co-signed XXXX private student loans with my daughter for her 4 years in college. She graduated in XXXX. We have had trouble making payments, and Sallie Mae has given us forbearance and reduced our interest rate. We were paying XXXX percent interest. They offered us a reduced rate for 3 years of 4 % interest. That 4 % interest expired at the end of XX/XX/XXXX. They raised our interest rate to 12.70 % and my payments went from {$680.00} per month to {$1300.00} per month. I can not afford that. Sallie Mae absolutely refuses to offer me a new lower rate and now I have built up a {$5000.00} late payment and I am losing my mind. My credit rating is ruined again and I can not refinance these student loans anywhere with anyone. I have offered to roll the late payment back into the loan if they can give me a lower interest rate. They have consistently refused. 

Help! Please and thank you.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (NY)

I am writing to express my extreme frustration and anger regarding the sudden appearance of fraudulent collection accounts and unauthorized inquiries on my credit report. The inclusion of this inaccurate and damaging entry is not only unfounded but also severely tarnishing my financial standing and destroying my creditworthiness. ZIONS DEBT HOLDINGS PLEASE DELETE IMMEDIATELY! It is utterly distressing to discover such derogatory information on my credit report. The sudden and unexplained appearance of this fraudulent collection is not only shocking but also completely unacceptable. I demand an immediate and thorough investigation into these matters, and I expect prompt action to rectify these inaccuracies in my credit report. The presence of fraudulent information is not only damaging my creditworthiness but also causing undue distress and frustration. I find it incredulous that such damaging entries could be added to my credit report without proper verification and validation. Through my investigation I found that this company has this account listed under an address that I have never used, tied to spouse and family members that live within this address that I have no knowledge of so how is that XXXX has allowed this account to be added to my credit report without proper validation and knowing that It is your responsibility, as a credit reporting agency, to ensure the accuracy and integrity of the information you report. Your failure to do so is a direct violation of the Fair Credit Reporting Act. 15 USC 1681 C ( A ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are an adverse item and are being reported again without my permission, which is against the law. Furthermore, 15 U.S Code 1681S2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681 E states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

After the death of my husband XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over XXXX year and XXXX months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

On XXXX I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy.

( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance if the validation of debt request isnt completed.