davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MN)

Applied at US Bank. They closed my account within 2 to 3 days without a notice. Called spoke to a representative. She did not give me any details. Prior to that conversations I tried to contact her for 3 days, left voicemails, had questions. She did not call back. Called again, she had no response. Did not give me a reason. Did not answer simple questions. Such as, is there something I should be concerned about? Is there something I should keep an eye out in case it were to impact my day to day living? She gave me no details. Said she had the right to close my account due to the terms and conditions. I feel it was an act of racism.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I have traded my XXXX vehicle at XXXX XXXX XXXX on XX/XX/XXXX I gave the vehicle In as a trade for another. 
on XX/XX/XXXX I was advised they paid the car off in full but Hyundai is reporting the vehicle 30 days past due and this information is inaccurate. Delete this delinquent activity as it is inaccurate and update all the major credit reporting agencies that reflect negatively as this is not true false and misleading.
Consumer complaint received 2019-09-06
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. (NY)

I have traded my XXXX vehicle at XXXX XXXX XXXX on XX/XX/XXXX I gave the vehicle In as a trade for another. 
on XX/XX/XXXX I was advised they paid the car off in full but XXXX is reporting the vehicle 30 days past due and this information is inaccurate. Delete this delinquent activity as it is inaccurate and update all the major credit reporting agencies that reflect negatively as this is not true false and misleading.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (VA)

First National Bank held and serviced my home mortgage until XX/XX/2019. On this date, the loan was satisfied and transferred to XXXX XXXX/XXXX. ( They use XXXX as their servicer. ) Despite this, First National continued to use ACH withdrawal to debit my account two additional ( and unauthorized ) times : XX/XX/2019 XXXX XX/XX/2019 XXXX I discovered these unauthorized withdrawals only after studying my checking account in XXXX. When I called First National, I learned that they sent these payments along to the new mortgage co ( XXXX/XXXX ). I was not notified of these decisions or actions. Furtner, they did this despite also having provided my ACH information to XXXX/XXXX without my knowledge or permission. I spoke directly to 3 FNB reps ( not including anyone they consulted during the course of our conversation ) ; they admitted no error and offered no help other than I should call XXXX. 

After speaking with the very helpful and knowledgeable rep at XXXX/XXXX, I called XXXX back to request that they get the money back from XXXX and put it back into my account as they are legally obligated to do. They were not helpful nor polite. After being on hold for a long time, I was advised that a supervisor was researching it and would give me a call back. As of this writing, that call back has not happened.
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I currently have an account with Wells Fargo and have banked with them for over 25 years. Recently we noticed that a {$14.00} charge had been occuring in the account for access to XXXX XXXX  for the last 24+ months. After going into the branch and making multiple calls over several months I was able to connect with the correct department to have the charge stopped and they refunded the charged fees. This happened XXXX weeks ago. 

Yesterday I received a letter stating they had enrolled me again with XXXX and Bill Pay access which I did not request. Today there are two fees in my account again for {$14.00} each. Per Wells Fargo Website they do not charge access for using XXXX. We have never used bill pay or XXXX. Looking on line there are other consumers that have had the same issue. It seems they are counting on consumers not noticing a {$14.00} fee so they can pad their revenue similar to their previous issues with opening unwanted bank accounts.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

i was XXXX for a year due to XXXX XXXX i picked up in college. 
my card was used everyday while i was in XXXX, my debit cards and all.my belongings were at the XXXX with the police. 
the charges being made were all online. 
they used up over 14,15,000 $ and my bank is XXXX XXXX me with the 60 days if i had access to my bank or statements yeah i would of reported it right away. there was no way of it being me or anyone i know. i never authorized anyone ....
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

In XXXX, I was approved for a loan modification that had principal forgiveness every XXXX for 3 years. XXXX is here, and of course, no principal forgiveness as promised by Ocwen. Each and every year, I have to reach out in order to receive the principal forgiveness that was promised to me. 
Again, I am to receive a principal forgivenss and they did not do so. Not only that, my loan is being sold to a new lender as of XX/XX/XXXX, and I do not want to hula hoop with this.
Consumer complaint received 2019-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SC)

Nelnet student loan taken out in XXXX has been paid in a timely manner. In XX/XX/XXXX, Nelnet changed the personal account name and dob on the account from xxx to XXXX XXXX. I contacted Nelnet and they said it was XXXX XXXX College erroneous information. Nelnet changed the account back to xxx and corrected their records. 

Today, XX/XX/XXXX, the same thing has happened. Nelnet is trying to file an inquiry with XXXX XXXX College to fix the issue. However, my concern is student loans are being taken out using xxx social security number and thus is incurring someone else 's debt.
Consumer complaint received 2024-08-30
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX SYNCHRONY BANK ( XXXX ) Card - XXXX XXXX XXXXXXXX I received my statement today XX/XX/24 stating that I was charged interest after my balance was paid in full. I made the following payments ; XX/XX/24 - {$110.00} XX/XX/24 - {$1100.00} XX/XX/24 - {$1700.00} Total amount paid was {$2900.00} Should I be charged interest after the balance was paid???? Synchrony is a whole SCAM!!!! I disagree with the interest charged of {$57.00}. The balance of this account was paid before the interests accrued. My account should show as PAID IN FULL. Synchrony reported this inaccurate credit info to the credit bureau. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX complaints closed in last 3 years XXXX complaints closed in last 12 months
Consumer complaint received 2019-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

I was purchasing a phone on XXXX XXXX  for a reasonable price. It was listed under sellers that can ship section on XXXX so I went ahead and contacted the seller. After agreeing to a price and shipping location and method of payment I transferred the money via XXXX  which seemed to be safe since it was backed by my bank and found in my Banks app. After that, the seller said she would ship the item the next day. She never sent me a tracking number, then she stopped answering my messages and now blocked me. Now I am out of my money and have no phone. The transfer via XXXX happened on XX/XX/19 for {$300.00}. The description of the transfer included a Note : XXXX XXXX XXXX XXXX like new. The {$300.00} was for half of the total price of the phone. The other half would be sent once the phone arrived.
Consumer complaint received 2022-04-11
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. (GA)

I FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION REPORT.

1.Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. 
XXXX XXXXPlease remove it from my credit report. 
2.the following account is not mine. 
XXXX XXXX ( original creditor XXXX XXXX XXXX ) Please remove it my credit report. 

3. The following account is inaccurate Delete from my credit report. 
XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ) Please remove it from my credit report. 

4..Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. XXXX : Please Delete it from my credit report 5.The following account is inaccurate : XXXX Please Delete it from my credit. 

6.The following account is inaccurate : XXXX XXXX Account number : Please Delete it from my account. 

7.The following account is inaccurate : XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete it from my credit report. 

8.The following account is inaccurate : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete from my credit report. 

9.The following account is not mine : XXXX XXXX : Please delete from my credit report. 

10.The following account is inaccurate : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Please delete from my credit report.
Consumer complaint received 2021-07-16
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX  should not be reporting to Equifax ; XXXX and XXXX a repossession on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in rehabilitation for medical reasons and was given permission to turn the vehicle in per extenuating medical circumstances with no penalties. XXXX XXXX XXXX granted this request. This false reporting that this was a repossession is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-07-16
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. (NJ)

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2021 regarding inaccurate and unverifiable items on my credit report. It has been over 3 months and I have not received a response from anyone. Failure to respond is a FCRA violation of my rights as a consumer. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 3 months, these items must be removed and deleted immediately. I demand these accounts be removed and deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to obtain credit and these inaccurate items are preventing me from doing so.
Consumer complaint received 2020-01-23
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC. (HI)

Navient Student loans - XX/XX/19 I submitted a request for refinancing and was able to login and submit my application. A confirmation email was sent to me saying that they would contact me when my new payment plan was ready. I have not received any correspondence from them giving me information on my new plan. In the meantime I received numerous collection calls from them. I have since not been able to access my online account as it says that my login information is wrong. I am not able to make calls at my place of employment during the day so I tried numerous times to email them but can not reach a working email. Now yesterday I received a letter saying they will be intercepting my tax return.
Consumer complaint received 2020-01-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MN)

Equifax has been report to my credit accounts that my credit score is XXXX in XXXX of 2019 - My credit score has NOT never been that. This false information caused creditor to close and/or reduced my credit with them.
Consumer complaint received 2020-01-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

This complaint is about a company called XXXX XXXX I begin a loan with them back in XX/XX/XXXX and paid faithfully up until present time. However on XX/XX/XXXX I was in a car accident which was a total loss. I called the XXXX XXXX  people and asked if I could Not pay the XX/XX/XXXX payment since they would be receiving a insurance payout they said that was fine. However now they claim that they did not say that. On XX/XX/XXXX we entered into an agreement for the remaining balance of the vehicle which is about {$6300.00} we agreed that I would pay {$300.00} on the first of each month going forward until the loan was paid off. they also said that if anytime during this time if I came up with {$2500.00} they would except that as a one time payment and clear the loan. The first {$300.00} payment was made on XX/XX/XXXX I have the canceled check the second {$300.00} payment was a little late but the check was cashed on the XXXX XXXX. It was around this time that I noticed they had reported me XXXX and 60 days late on my credit report for XXXX and XXXX. I contacted them and asked why they did this and they told me that I had missed a payment in XXXX but I told them that they told me I could skip that payment since they were getting insurance payout and that they had agreed to that, they informed me at this time that they have no record of that. So I got a written letter from them stating that my payment was {$300.00} and would be {$300.00} going forward however they would not agree to backdate it to the original date we reached the agreement of XX/XX/XXXX they would only date it for XX/XX/XXXX Just another example of them being shady. When I asked them to please fix my credit reporting they said to me thats not their job. I submitted disputes to all three credit agencies but nothing has ever came of it. XXXX XXXX just tells themThats the information they have and my dispute is dead. They are the worst professional company I have ever dealt with. They act as if I made all this up after not having one missed payment in 2 and a half years. I also want to point out they where illegally charging me 23 % interest as a resident of Delaware when you can only charge someone 5 % above prime for used car loans in Delaware. I also want to point out that they have a website where you can look at your account information. I went on there and it says A bunch of inaccuracies. When I asked them about it they told me dont worry the website is always wrong. They still have the wrong payment amount on their as well.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (LA)

XX/XX/2021, abruptly could not access my Coinbase account. Fearing someone was trying to manipulate the account I submitted a request to close access, then reported this to Coinbase. Following their instructions I tried to regain access but was unable to and reported this to them. XX/XX/XXXX they indicated they were not able to They responded that they were unable to resolve the issue, and would be back with further instructions within 10 days. No such response ever came and I issued a new support request on XX/XX/XXXX and got a response that this support request was being added to my original one, and that I should get a response ( " generally within 4 or 5 days '' ). I have heard nothing as of today XXXX XX/XX/XXXX XXXX. Because of the inability to access my account, I was not able to withdraw over $ XXXX, and the value of the account has now dropped significantly while I continue to wait. Over one month has passed and I have received no communications and the account continues to display " temporarily disabled '' if I try to log in.
Consumer complaint received 2020-06-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC (TN)

- XX/XX/2018 I got the 10-day XXXX  that turned into XXXX, which made it impossible to work for 30 days. Not knowing what to do during this time, I had received a check in the mail that you just go deposit, and it says it is a loan at 41 % interest. 
- I am an XXXX  XXXX, a XXXX XXXX XXXX, and I can not control sometimes when I get paid. I am the very last person to get paid in a transaction IF and WHEN it closes. And additional governing factors do not make it any easier. 
- This company would start calling me whenever a payment was late. The very first day past the due date. 2 and 3 times a day. I asked them to contact me after XXXX XXXX  however they never honored my requests and communications with them became literal harassment. Yet their office was never available after XXXX XXXX  to communicate. 
- They sent my account to an attorney and they served me with a civil warrant. 
- I have attempted to talk to the attorney 's office on 3 separate occasions. I asked them to negotiate the amount owed. They did not and told me to contact the company. 
- When I call the company, they will not negotiate on the amount owed. And even the attorney never attempted to negotiate the amount. 
- This company never provided me any terms of this loan in writing and they intentionally make HARD pulls on my credit every 3 months. Intentionally damaging my credit. I told them I did not give them permission to pull my credit. They said they had the right. This is absolutely crazy, so if I pay this off, can they still pull my credit like this. 
- They won't negotiate a lesser paid in full balance. Everyone negotiates. And so because I have an outstanding balance or because they say so because the terms were not provided to me, they just can do as much damage as they so choose. 
- Literally this company is malicious. A mortgage lender would do a soft pull as to not damage the person 's credit. They are intentionally trying to do continued damage. 
- They have even continued to make HARD pulls on my credit even after it has been sent to the attorney. Even though they say they are not allowed to talk to me. 
- Seriously someone needs to review what these small companies are doing to people.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (TX)

I opened an account with Gemini Trust Company , LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) on XX/XX/2021, provided all the verification IDs, etc. They linked my bank acct and on XX/XX/2021 I was able to ACH funds ( {$5000.00} ). I was able to repeat the process 2 more times ( both {$5000.00} each ) once each on the following days without Issue. On XX/XX/2021 I made a purchase without Issue. Then again on XX/XX/2021 I placed a XXXX XXXX order on the XXXX platform. On XX/XX/2021 I received a message stating that " We've frozen your account Your Gemini account has been deactivated. Please contact Gemini support '' which I did immediately. Asking why the account was frozen in order to rectify things and to not do the same mistake again. I received a standard robo-generated response " We have received your request! - Problem with Account, XXXX '' without any other details. I tried to cancel my XXXX XXXX order. but was unable to do it. The order was later fulfilled on XX/XX/2021. On XX/XX/2021 I responded to my 1st email asking basically the same question. No response. I have patiently waited for some resolution and it has now been 15 days since the account was frozen. On XX/XX/2021 I sent another request email to the original email and have not received a response. I want this issue resolved and I want to remove my funds from Gemini. I did not realize how many people have had the same issue with Gemini. I should have checked prior to trying to do business with them. I have learned my lesson!