davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-23
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. (NJ)

I submitted a complaint # XXXX concerning Transunion stating a negative item was removed yet it was not. Transunion said on XX/XX/2018 that they would investigate this issue and give me a response. 

I received another Proof of current mailing address request again from Transunion. The first request I received was on XX/XX/2018 ' I am confused as to why Transunion is stalling in removing the negative item from my credit file ( XXXX ). Something they previous said they removed already.
Consumer complaint received 2019-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Bass & Associates, P.C., Attorneys at Law (CA)

Below please find a copy of an email recently sent to the lender. 
As you may understand, student loans can be barriers to many things as they have an extremely adverse effect on ones credit. I would like more than anything to pay the amount off or begin making payments - but I can not because this organization will not answer the telephone. 
I encourage anyone in your office to try to make contact with Bass & Associatee, PC via traditional means and you will see that it is impossible. 

Any assistance you can provide will be very much appreciated. 

-Thank you I have been forced to write this email as numerous attempts to contact your organization via telephone have been unsuccessful. 

As recently as a few moments ago, my constant calls to your office have been ignored. There has been no option to speak with a person or leave a message, the only option is to be placed on hold for up to an hour or longer. 

This is unacceptable. 

The loan on question has had a significant and large, extremely negative impact on my life including my ability to rent a place to live. 

I am trying very hard to rectify this loan via payments ( installments or lump sum ) but I keep hitting a dead end due to your willful reluctance to call me, a person who should be treated as a paying customer. 

I request to be provided with a working telephone number of someone I can contact regarding this issue. 

A copy of this email will be forwarded to the Ombudsperson and to any overseeing entities which regulate the loan servicing industry.
Consumer complaint received 2019-05-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NH)

Im writing on behalf of my elderly/XXXX mother and father in law. 

In XXXX, XXXX ( XXXX ) was the servicer/ bank that held their mortgage. Due to major medical issues the kept my father in law from returning to the work force, and trying to avoid foreclosure they applied for a modification on the loan. XXXX, through a government program that was released in XXXX, granted the loan hardship/modification and fees etc were waived. They were to have a set mortgage payment every month without changing- something they could afford on their small fixed income. 

Since XX/XX/XXXX my Father in law is no longer in the picture.My mother in law took over the finances at the household and we were assuming she was doing fine. 

A couple months ago my mother in law came to us in a panic. She was about the lose the house and all her bills were or were about to be delinquent. After looking into we saw that at some point the loan servicer changed from XXXX and the new servicer SPS was charging her almost double then the modification agreement had stated. Plus they tacked on fees of close to 60k that was added with little to no explanation. 

I have called on MULTIPLE occasions asking for a copy of the modification agreement that was transferred from XXXX to SPS.I ahve also asked on multiple occasions for an explanation/ breakdown of added money. Through multiple recorded phone calls they have refused to provide either. They have supposedly looked everywhere for the modification agreement and it cant be found. Also they are refusing to send any type of explanation as to the money they have tacked on. 

We are looking to refinance the loan but the underwriters at XXXX XXXX will not move forward without the modification agreement or breakdown of the added funds. 

My ssenior/XXXX mother in law will foreclose and face homelessness  if this is not provided and taken care of right away.
Consumer complaint received 2021-12-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I have an XXXX Bank of America savings account where my unemployment money goes into. On eXXXX XXXX, 2020 I discovered that my account has been a victim of fraud and {$8600.00} were stollen from my account. At the time I was overseas and I had the debit card to the account with me. When I called BOA they assured me they will be able to review security cameras and see who stole the money and that the would start an investigation. 
They never sent me any paperwork to fill out nor asked for proof or evidence from me even though I told them over the phone multiple times I could provide proof. They froze my account and I was unable to access it for 4 months. This week I was finally able to unfreeze it but they have not returned the money into my account. They closed my fraud claim and never gave me an answer as to why. I filed a " reconsideration '' but I find it incredibly unjust and feel at this point like BOA has robbed me. This is unemployment money that I need during a global pandemic and I have tried sorting this out for months and keep hitting a wall with them. I am not sure what do to at this point - Take this to the media? Get a lawyer? your help would be greatly appreciated.
Consumer complaint received 2021-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. ()

My Coinbase account was blocked. On XX/XX/XXXX. I received an email from Coinbase that the block had been removed from my account. It never was. On XX/XX/XXXX I was told again by email my identity could not be verified and they wanted a copy of my drivers license, that they already had along with my Passport. I sent no less than 3 copies of my Drivers License it was accepted by the computer and said it was satisfactory. On XX/XX/XXXX I tried to sign into my account, it is still blocked. I sent the required documentation, my Passport, it was accepted yet my account is still blocked. On the same day I filed a customer service request to restore my account I have not received a reply. I tried to call but they do not have a customer service for anything except for accounts that have been compromised. I have been trying to have my account unblocked since XX/XX/XXXX. Two years and four months. This is my case number I received on XX/XX/XXXX Case # XXXX - Account blocked
Consumer complaint received 2022-11-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I was reviewing my XXXX XXXX report and found that my credit score drastically went down. I notice that there were several unauthorize hard inquiries on my credit report. 

American Express on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX When calling each incorrect companies I got the run around and transferred place to place without resolution. When speaking with American Express they did confirm that a new credit card was open and they have suspended - however I need confirmation that it was cancelled with no charges against my name and credit report. 
I need all of the credit bureaus corrected and all hard inquiries removed.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

During Hurricane Harvey, XX/XX/XXXX, my XXXX XXXX XXXX was caught in fast rising water and later declared a total loss. I had full casualty auto insurance as well as GAP insurance. I made the auto loan holder, XXXX XXXX XXXX, aware of the loss. My auto insurance paid XXXX the fair market value, leaving a balance for GAP to cover. I was repeatedly harassed by XXXX  because the GAP insurance payment was delayed. Eventually, the GAP insurance paid XXXX. Now I discovered XXXX filed a negative payment history on my credit report. I owe the nothing and do not believe they should be placing a negative activity repost against me.
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (IL)

I preface this by conceding that that automated selections during the complaint process may not be exact to this issue, but perhaps best represent my concerns. 

- On XX/XX/18, I purchased four ( 4 ) tickets for the XX/XX/18 XXXX XXXX concert at XXXX XXXX for an all-in cost of {$690.00}. Subsequently, it was decided that we would not be able to use these tickets ; and so we listed the tickets for sale, ultimately at a loss. 
- The night before the concert ( XX/XX/18 ), we received an inquiry regarding the four ( 4 ) tickets, and agreed via text message ( with buyer at XXXX ) to sell for {$500.00} ( {$120.00} per ticket ). Funds were received ( {$510.00} gross sent ; {$490.00} net received ) via PayPal and tickets were sent to the email address provided ( XXXX ). 
- Nearly two weeks after the transaction, the buyer disputed the charges through their financial institution, which disputed with PayPal. PayPal deducted {$530.00} from our PayPal account ( {$510.00} + {$20.00} penalty ; thus, charging us also for the fees previously paid by the buyer ). 
- Upon notification, we provided evidence of the text messages and copy of the sent email to PayPal. On XX/XX/18, PayPal notified us that they would dispute with the buyers financial institution on our behalf, a process that could take up to 75 days. 
- While still within the 75-day timeline ( which ends XX/XX/18 ), we received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/18, that PayPal sent our balance to collections. We never received notification from PayPal that our account would be sent to collections ; and this remains in open dispute as confirmed via telephone with PayPal on XX/XX/18. 
- More detailed outline is provided further below.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

I deposited money into my Binance.US account which ended up resulting in a chargeback ( total of {$770.00} ). The very next day I fixed the issue and within a few days I successfully deposited the original funds and brought my account back to good standing. However Binance.US took it upon themselves to completely lock my account down due to " risk management ''. I have appox {$2500.00} in my account that I had previously deposited way before this chargeback that they have completely locked down and will not let me move or withdrawal any of the funds. None of this original money has ANYTHING to do with the chargeback, and even still I already deposited the chargeback amount ( {$770.00} ) and my account currently sits at a positive balance. This happened about 3 weeks ago and I have been trying to get ahold of any support at Binance.US to help me with this. I've sent multiple emails, submitted multiple tickets, sent direct messages to their twitter account ( that they frequently use for support ), and posted multiple tweets on twitter trying to get a human response from anyone. They don't have a support number, nor do they have a support chat or any way to get in contact with them for that matter, other than just submitting another ticket. I wouldn't feel the need to file a complaint if they had at least even responded a single time to my requests. I have a lot of money in my account that has nothing to do with the chargeback and its insane that they can just lock me out of my account without any reason for holding my {$2500.00} hostage. I've run out of ideas on what to do and I just want them to lift the lock so I'm able to access my funds again. I've done all the work for them. I'm filing this complaint because its been over XXXX weeks and they show no desire to resolve this issue.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America is not consistent with the dates it cuts the mortgage statements. Additionally, they do not even wait for the escrow shortage to be made within allowable timeframes and instead send bills for amounts as if the shortage had not been made when it was. 
For many months now I see BofA cutting my statement and sending it to me the exact same day that they receive my payment no matter how early I make it -- - making it very difficult for me to know when the next stmt will cut. My XX/XX/XXXX stmt was cut on XXXX - the exact date that my XXXX pmt was made. This stmt said next pmt due XX/XX/XXXX. My XX/XX/XXXX stmt was cut on XX/XX/XXXX - the exact date my XXXX XXXX posted and that XXXX said next pmt due on XXXX. My XXXX stmt was cut on XX/XX/XXXX - the exact date my XXXX XXXX was posted and that stmt said next pmt due on XXXX. Then I receive my annual escrow analysis ( dated XX/XX/XXXX ) which has a shortage due on XX/XX/XXXX. I send the shortage and the check clears my bank on XX/XX/XXXX ( well before the XX/XX/XXXX due date ) - so BofA probably had it the day before. Anyway, my XXXX XXXX posted on XX/XX/XXXX so true to form the XXXX stmt cuts on XX/XX/XXXX. The next pmt due on XXXX per that XXXX stmt is XXXX which is the amount that would have been due if I had not paid the escrow shortage of {$540.00} which, as I said, cleared my bank on XX/XX/XXXX. So seems to me as if they had the escrow pmt on XX/XX/XXXX and it should have been reflected on the statement. If nothing else, If BofA would have waited until XX/XX/XXXX to cut the XXXX statement XXXX instead of cutting it so early ) they should have been able to have the escrow shortage payment reflected on the account ; and then the XXXX XXXX would show a pmt due XXXX of {$1700.00} ( the amount that it should be BECAUSE I PAID THE ESCROW SHORTAGE ON TIME!!! ). So when I called XXXX XXXX from Texas - which I serious doubt ) at XXXX number on XX/XX/XXXX at XXXX pm, and asked him to send me a corrected bill he said he could not. He said they have had computer issues and with bills cutting early and late and they are working on it. I said they sent me an incorrect bill and asked if he could send me a corrected one. It was their mistake. He said they can not do that b/c their system will only show the old bill. Well to me it looks like they are trying to bill me in advance and over bill me because they send the bill too early before applying the escrow shortage. Seems a little predatory to me. They should be consistent with their billing. They should allow the full month for payments to be applied especially when they have escrow shortages due. They should fix their computer systems. If I wanted to make extra principle payments after my regular payment but in the same month - I don't see them on my statement for that month. It used to be better - now it's not.
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Re Capital One Credit card On XX/XX/XXXX I removed my ex wife as an authorized user on the account. I shut down her credit card, removed all her contact information including email address. On XX/XX/2019 I discovered that she still can access my account. I called Capital on XX/XX/2019 and the informed me that there was no way my ex wife could access my information. 

I found out this was not true. My wife forwarded me an email that she received from Capital one on XX/XX/2019 stating there was an alert on her credit report. This is through the CreditWise product that Capital one offers to its consumers. One thing to note is that my email was also changed with credit wise as well and hers should not be on the account. However credit wise continued to use and monitor her email address and capital continued to send her alerts. Inside the alert email was a link that logged her directly into my account and she had access to view and change things. 

Therefore I have huge privacy concerns that she could access my personal financial information when I took all steps necessary to ensure that she could not. Not only was capital one still emailing her but they also embedded links in the email that gave her direct access to my account. When I called they said I had done everything possible correctly and there was no way that she could be getting information which is 100 % False. Because CreditWidecontinued to monitor and communicate with email addresses that had been removed from the account I am sure I am not the only user that has had this problem I finally had to remove the Credit Wise product from my account and I think that fixed the issue but I am not sure because no one at Capital One could help I have attached an email that my wife received on XX/XX/XXXX to the XXXX email address that she should NEVER have got from Capital One according to the customer service team. In that email is the link that took her to the account. The link no longer works because I disabled that credit wise product
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

I kept receiving balance transfer checks from XXXXXXXX XXXX. I finally use one to pay off Barclay Frontier Master card. I didn't realize my limit on XXXX was {$1800.00}. I wrote a check for {$1800.00}. Barclay tried to submitted check twice. I was charges a {$27.00} NSF fee. I called Barclay to explain the situation and went online to change the amount to be taken from my checking account from {$1800.00} to {$490.00} because XXXX XXXX did a balance transfer over the phone. So I get a text from XXXX that my account is overdrawn making my balance XXXX. When I went online to change the amount. I didn't even owe on the account to Barclay. So they took out the {$490.00} and {$1800.00} and they will receive another {$1700.00} from XXXXXXXX XXXX. They will not refund the NSF fee of {$27.00} and now they have been over paid on my Barclay amount. I know it is my stupidity to use credit and balance checks but Barclay has been over paid. i have excellent credit. 

I also want to make a complaint to XXXXXXXX XXXX as well for sending me balance transfer checks to make sure use them. They will not reverse the transfer even though I told them Barclay XXXX out my account and their balance is paid in full. the supervisor I was talking to hang up on me and when I called back to ask for her name XXXX would not give it to me. I am so frustrated on the system. I was just being a smart customer to pay off my debt but I am being penalized for using credit card. I know there is nothing that will be done because you will say I am just a XXXX person for using credit cards and transfer balances. I don't think it is right on how I was treated by Barclay and XXXX.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2018, I sent a letter to Capital One Auto Finance to dispute information they were reporting on my credit report about an auto loan I had with them. They responded to my letter by sending me a print out of payments they say I made to them. However, according to the Fair Credit Report Act ( FCRA ), they were also supposed to report to the credit reporting agencies that a notice of dispute be placed on my accounts within thirty days, which they failed to do. On XX/XX/2018, I sent them another letter advising them that they did not comply with the FCRA by issuing the notice of dispute. I then checked my credit report on XX/XX/2018, and they still had not put the notice on my accounts.