davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Received a letter that my account would be closed to do inactivity for 18 months or longer this information is incorrect i have use the card 2 times and had paid in full and also prior to this letter I had spoken with CS agent and that will not be happening
Consumer complaint received 2020-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

I had to reveal my full SSN, Pin #, Mother 's Maiden Name, Address in order for my bank to talk to me about the below  concerns, which is also concerning. 

I deposited 2 checks from a money market account on XX/XX/XXXX. The first check for {$5000.00} cleared but Truist is still holding funds from the second check for {$2500.00}. 

I wrote a check for XX/XX/XXXX in the amount of {$5400.00} that subsequently bounced on XX/XX/XXXX. 

I spoke with Truist today and there is nothing wrong with the check -- they are just holding the funds, causing me to bounce the check, which could lead to foreclosure on our house. 

The only coherent explanation was that : 1. The funds were significant, which is why Truist could not clear it, and 2. It was my fault. 

If $ XXXX-XXXX  is a significant amount for Truist, then I wonder how the merger between SunTust and BB & T benefits America and its citizens. 

The resolution offered by Truist was to call their CEO ( whom could not be named ) at ( XXXX ) XXXX. When I called this number a voice recording replied that no one was available to help. 

Feels like Truist is now insolvent and I want to bring this to Federal Government 's attention.
Consumer complaint received 2016-05-06
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

XXXX has continued to harass me at my place of employment, even after several times of me asking them to stop calling my work They are trying to collect on a XXXX mortgage that was taken care of with Bank of America back in 2010 In conversations with them I have asked them to send me documentation on the debt, they have yet verified the debt, The calls and the lack of corporation is out of control they call my place of employment from several different numbers, I can provide you with a few if needed
Consumer complaint received 2020-06-09
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: U.S. BANCORP (FL)

I am in receipt of your letter dated XX/XX/2020. The merchants documentation do not show that the vehicle had a non-refundable down payment. It specifically states that deposits on vehicles to hold them so that they can not be sold is not refundable. The down payment was part of the finance deal and was used in order to get a certain interest rate with the financial lender. 

In addition, I am attempting to get additional documentation for you from XXXX, but I have attached the document showing that XXXX XXXX paid XXXX and purchased back the vehicle in full nullifying the contract and at that time, according to XXXX, they were to return the down payment to us. 

I have made numerous attempts to contact XXXX XXXX, but they do not respond. 

The payment from XXXX XXXX to XXXX was on XX/XX/2020. Since XXXX XXXX received the vehicle back, they should of returned the down payment, but it has yet to be received. This is the reason that I am initiating this dispute. 

Please reprocess the dispute and note that all of the documents that were originally signed are also attached to this letter. Anything additional was forged by XXXX XXXX, or was not provided at the time of the transaction. In addition, XXXX auto neglected to properly disclose on the credit card transaction receipt or anywhere in their showroom that the amount paid on the credit card would not be refundable. 

Because of these multiple reasons, it is in violation of the Visa Guidelines, and I respectfully request that this go to arbitration or that the case be reopened and the amount refunded back to me directly from Elan Financial in this dispute. 

Feel free to call me at anytime with any additional questions. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

Hi, I have opened an account with Coinbase and successfully went through their KYC process. I successfully linked my XXXX XXXX XXXX bank account to fund the Coinbase account. I purchased two Bitcoins and some other alternative coins without any problem. 

Three weeks ago I was unable to purchase any other coins because my 'buy ' option was XXXX. The error message said as such but without any details. 

I logged several tickets without success and received only once response which seemed like a robo answer saying the issue would be 'escalated '. This has been over a week and no further communication was provided. 

At this point, I simply want to liquidate my account with Coinbase but I am unable to do so and without any recourse. 

I currently hold about {$21000.00} dollars in digital assets in my Coinbase account. Without any recourse or ability to access my assets I consider them stolen. The fact that I 'see ' them in account without having any transaction rights does not change this reality.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

See attatched XXXX IRS FORM 1099-C CANCELLATION OF DEBT MC end XXXX XX/XX/XXXX. DEBT DISCHARGED XXXX see attatched XXXX Confirmation of Settlement XXXX XX/XX/XXXX CONFIRMS on XX/XX/XXXX SETTLED ** A YEAR LATER. THAN XXXX?? This debt is considered as " settled for less than full balance '' and was ( ** reported accordingly to the credit bureau agencies. ) XXXX HAS DESTROYED MY CREDIT FOR YEARS. XXXX COLLECTS ID REP XXXX DEMANDING PAYMENT MADE TODAY. This account shows sold on CRA Reports. It was Opened XXXX & shows a different account number on Equifax Report. 
This account is NOT OWED OR DELIQUENT!
Consumer complaint received 2019-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

Your Loan Number : XXXX, XXXX XXXX XXXX. XXXX XXXX, Va. XXXX Synopsis of Your Loan # XXXX, XXXX XXXX XXXX. and Demand of Estate 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, 6.5 % /annum, $ XXXX 2. XXXX XXXX took the loan over from Just Mortgage on same day of the Loan 3. Mortgagor XXXX XXXX passed away. 
4. Mortgage payment getting delay. 
5. During the difficult time, weve been trying to get catch up the loan and even worked loan modification that conditionally approved by XXXX XXXX and we succeed 3 months trial payment period, but it is not taken the place without any explanation. 
6. XXXX promise to give us Flex Modification that we can qualify on XX/XX/XXXX 7. XXXX XXXX XXXX claims that they are the servicer of the mortgage. 
8. The point of contact pretended not to know about promised Flex Modification 9. Push to complete the loan modification form without any terms and conditions which is not the Federal Flex Modification that promised by XXXX XX/XX/XXXX 10. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 11. Weve tried to get solved the issues with XXXX XXXX XXXX but weve been ignored 12. XX/XX/XXXX Rushmore Loan Management Services took over the Loan as the servicer of the Loan and XXXX XXXX XXXX as the Owner of the Loan Estate of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Va. XXXX Your Loan Number : XXXX
Consumer complaint received 2019-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I completed my XXXX degree  and began making payments to my student loan in either XX/XX/XXXX or XX/XX/XXXX. In  ~XX/XX/XXXX I called the student loan provider to inquire about eligibility for student loan forgiveness through working for a non-profit. I was told that after I make 120 qualifying payments I could apply. I then asked if I made payments for the next 120 days if I could qualify and the representative informed me that it has to be 120 billed payments. Fast forward to XX/XX/XXXXI called to inquire about lowering my student load payments under the revised payment plan. I was encouraged to consolidate my loans which changed my loan provider to XXXX. Now in XX/XX/XXXX ; 9 years after Ive been employed at a nonprofit, I apply for loan forgiveness and received a letter stating that I dont meet the number of payments needed since I consolidated my loans in XX/XX/XXXX. I consolidated my loans because the Navient loan provider suggested I do so. I was not informed that consolidating my loans will erase the 10 years of payments I made making me ineligible for the student loan forgiveness program.
Consumer complaint received 2020-11-25
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 (CA)

My identity was stolen in XXXX and a suspect had been using my account without my authorization, including making payments to the card for the unauthorized charges. I spoke to Barclay 's Card about it several times, have email trails and have provided all asked of me. I had the investigator speak to the police and the suspect, who has been identified and a warrant for his arrest placed. I have sent police reports and given the company the info to the probation officer of the individual and the police officer on the case to verify this. They have actually talked to the suspect on the phone, its not even me, its a man. They are holding over {$11000.00} of mine and have refused to return it since XXXX of this year.
Consumer complaint received 2020-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

I received a phone call last week stating I owe {$12000.00} for health insurance. I am a XXXX  employee and was a XXXX  XXXX before that - since 2010. I was XXXX before that. The XXXX/my XXXX XXXX  has always paid my medical insurance directly from my paycheck. Ive never requested additional coverage ( especially to the tube of {$500.00} a month!!! ) I dont owe this debt. They sent me a letter in the mail today. It hasnt gone against my credit yet - but Im afraid it will. I have over 800 credit score and have had for over 20 years. Im tried to call the company and no one is available to speak to me. Even leaving a message cant be done because the automated system hangs up on me. This letter demands I provide my full social security number, account number, a description of my complaint ( their errors ), the dollar amount I owe ( even through they told me what I supposedly owe but so not owe ), date of their error ( but I have no idea what this is about - first time I heard of this was last week when the lady told me I owed 12 grand and hung up ), and a copy of my credit report. Um. Not o my no, but XXXX no. Im not giving a random company all the info they need to steal my identity. They cant even get it right that I dont owe a XXXX ton of money for something Ive never purchased. This is obnoxious. I dont owe them anything yet they dont provide a means to speak to someone, and the burden is on me to chase them down and provide vastly personal information. Why would I trust them with this info even if I did owe money???? 
How can I get them to stop asking me for money I cant owe since Ive ordered {$500.00} a month medical insurance I didnt need?
Consumer complaint received 2019-06-22
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: Accounts Receivable Inc. (WA)

XX/XX/2019, I received a certified mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX it is a legal affidavit for garnishment against a bank account. Accounts Receivable, Inc, Washington trying to collect {$2900.00} plus interest of {$2100.00} and this account was already been paid a long time ago. It was not in Credit report any longer such as XXXX, XXXX.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TN)

On XX/XX/2021 my debit card was used for 5 unauthorized transactions : 4 transactions for {$100.00} and 1 transaction for {$200.00}. On XX/XX/2021, after the transactions settled, I submitted a written confirmation of error for each transaction via email to XXXX, as outlined within their Deposit Account Agreement. A claim including 4 transactions ( 3 transactions for {$100.00} and 1 transaction for {$200.00} ) was filed XX/XX/2021. On XX/XX/XXXX, I spoke with a Dispute department representative and their Manager. I was advised that because I did not specifically request to initiate a dispute claim within the email previously submitted or via inbound call, a claim was never filed and an investigation never initiated. The Manager was unable to answer straightforwardly answer how a claim was initiated on my behalf on XX/XX/2021 if this was the case. I was also advised that because the 4th transaction for {$100.00} was not included in the claim filed XX/XX/2021, a new and separate claim would need to be filed for this transaction which, again, further extends the timeframe allotted for provisional credit and resolution.
Consumer complaint received 2019-04-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

There is an alleged lawsuit against XXXX which it states that they along with Navient ignored borrowers best interests in violation of its government contract to prevent borrowers from moving to XXXX XXXX the student loan servicer that administers the Public Service Loan Forgiveness program ), so that Navient could continue to earn fees. I have contacted the department of education which says XXXX is the company assigned to deal with this account. I spoke to them and they disregarded several critical questions and did try to attempt to offer me loan forgiveness when the account information is not accurate My income tax was offset which this company was given this money when I called to complain about they gave me a contact number with department of education and when contacting them in was referred back to them getting the run around
Consumer complaint received 2020-11-25
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. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: One Source Technology (SC)

This company reports outdated information ... .the way they do this is change a XXXX XXXX to read XXXX ... .ive had 3 reports pulled in the last 6 months ... all three were different with false and incorrect information ... somebody with this agency or the reporting agency is falsifing the information.. 
Recklessly ... negligent..willful..and with malice..
Consumer complaint received 2016-04-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

Was approved for a XXXX credit line of {$1000.00} on XXXX XXXX, 2016. The moment I requested the full {$1000.00}, I was assessed a 15 % fee or {$150.00}. I was unable to make the payments of more than {$230.00} every 2 weeks as I thought there would be much smaller monthly payments - not payments of nearly 1/4 of what I borrowed every 2 weeks. That 's what I get for not carefully reading the fine print. Interest was compounding daily on the original principle and I received statements every 2 weeks with interest in the amount of more than {$100.00} each time. By the time I came up with the money to pay off the credit line, exactly XXXX days from the date I received the loan, fees and interest had driven the amount owed to {$1400.00}. That 's more than 42 % return for allowing me to use {$1000.00} for 55 days. Beware! Read the fine print! Stay away from pay day loans.
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I had XXXXl work done by a local dentist by XXXX XXXX  XXXX in XXXX California. The XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX phone XXXX. He prepared a XXXX for my XXXX XXXX. At the time It wasn't prepared correctly and I got an XXXX and the XXXX did not fit properly. He said it could be fixed. But never made an attempt to do so. The total charge was {$2600.00} and was financed by Care Credit/Synchrony Bank. This was XX/XX/2017. I continued to have trouble with the XXXX that didn't fit properly or look like the rest of my XXXX. I became ill and my husband made payments. The balance owed is {$1200.00}. A Couple of months ago the XXXX  fell out. I went back to the same dentist. He ground down the one XXXX  in the 3 XXXX XXXX   leaving a hole in the back and food gets stuck in that area and I have had various infections. I received a notification from Care Credit that they were going to charge {$960.00} for deferred interest on top of the balance 26.99 %. I called them and told them about the terrible work this dentist did and they said they would open up an investigation & would not charge the interest until the investigation was over. However I just received a bill with the amount due and interest. They asked me what I was disputing and I said the whole amount as this has been going on with no resolution. This is the complete information from the credit Co. Synchrony Bank XXXX XXXX XXXX XXXX , Fla XXXX Account # XXXX XXXX XXXX XXXX phone XXXX
Consumer complaint received 2019-04-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

We sold our home on XX/XX/XXXX. The closing attorney and Mr. cooper mailed checks to XXXX County Ga. Tax office. The check from the closing attorney was received XXXX and cashed. The check from nation star dba Mr. Cooper was received and then returned to Mr. cooper on XX/XX/XXXX. Mr. Cooper received the check back on XX/XX/XXXX. I have spoken to Mr. cooper in XXXX XXXX XXXX, XXXX XXXX and XX/XX/XXXX-XX/XX/XXXX. I was told in XXXX that it would be 6-8 weeks before I received my refund. On XX/XX/XXXX I was told that it will now be XXXX before I will be given a refund. They stated that the XXXX county GA tax office would not be issuing a check to them until that time. I contacted the XXXX County tax office and as they stated to me before, the check was mailed back to Mr. cooper and they have not received another check from them, so there is no reason for Mr. cooper to say XXXX County will be issuing them a check. The amount is XXXX.I received a letter dated XX/XX/XXXX cancellation of deed to secure debt. I have spoken to people from Mr. cooper who can not understand why I must wait 9 months to have my escrow returned after the home has been sold, the account paid in full and I never missed a payment with this company. I would appreciate any help in this matter
Consumer complaint received 2019-04-10
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. (TN)

Equifax refusing to remove fraudulent inquiries from several creditors although creditors have submitted them as fraud. Fraudulent inquiries areas follow : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2018
Consumer complaint received 2023-05-29
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. (OR)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-06-22
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: Experian Information Solutions Inc. (CA)

experian, XXXX  and XXXX completed investigations of 5 school loan accounts that are negative, credit destroying accounts.I disputed them as not mine.they are not mine ;, all 3 investigation  summaries are attached.experian came back certified that they are mine.both XXXX  and XXXX verified that they are mine.THEY ARE NOT MINE! 
EITHER IT IS ID THEFT OR MORE LIKELY THE " UNEDUCATED '' DEPT OF EDUCATION 'S FAULT.I CALLED THEM AND THEY REFERRED ME TO THEIR COLLECTOR SAYING THEY HAVE NO INFORMATION.I UNDERSTAND I CAN SUE THE CREDIT BUREAUS FOR KEEPING FALSE INFORMATION ON MY REPORT AFTER INVESTIGATION WHICH I MAY PURSUE. 
I have attached the investigation paperwork from 31 days ago. 
I want them suppressed immediately, then permanently removed from my credit files and history.The community service Police of XXXX XXXX will be at my house shortly to take a police report and investigate.
Consumer complaint received 2019-06-22
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: Experian Information Solutions Inc. (IL)

I WAS A VICTIM OF ID THEFT IN XXXX OF 2019. I FILED A REPORT WITH THE FTC, XXXX POLICE DEPARTMENT AND CONTACTED BANKS. I SUBMITTED ALL THE DOCUMENTS TO ALL THREE CREDIT BUREAUS YET THEY DECLINED TO REMOVE THE INACCURATE INFORMATION FROM MY CONSUMER REPORTS.