davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-30
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth Third Bank closed my checking and saving accounts. When called the customer service No Reason was given. Made several calls. They just gave me the name and number for the investigation department to call ( XXXX ) and talk to XXXX XXXX there to get information about my closed accounts. I called XXXX XXXX every day for more than a week ( XXXX/XXXX/16 through XXXX/XXXX/16 ) and left several voice messages for her explaining my concerns and requesting a call back. No one called. 
Finally had my brokerage accounts fund manager XXXX, at a local Fifth Third branch ( XXXX XXXX, IL ) on my request, tried to get hold of her and was told that it was blocked for some suspicious deposits and withdrawals. The bank would not specify which transactions. I have checked with all my vendors and clients and none of them had reported any issues with the payments they sent or received. All deposits and withdrawals were made into/from the accounts within US.NO FOREIGN TRANSACTIONS were made at all. The branch manager who spoke to XXXX also mentioned that the case is being reviewed by a different person and she would be giving me a call to discuss this case within next couple of days. More than a week passed and no one called me. 
Later I received a letter from Bank Protection Department of Fifth Third Bank that my accounts would be closing within10 days ( Again no reason was given ) and a Cashier Check for the balance in my accounts will be sent to me shortly. 
It 's been several weeks now and I have not received the check for the funds that were in my accounts at the time they were closed. Fifth Third Bank does not tell me the status of the check. All my savings were in the accounts and I am left with nothing. Had to borrow money from family to pay the bills that were due right away and still no word on my funds availability from XXXX. I had over {$15000.00} in both saving and checking accounts all together. 

Please help me get my money back. 

I need Fifth Third bank to send me my money that was in the accounts when they closed it as they promised. I still have the letter that they sent to me stating that a cashier check would be sent.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

due to being sick with XXXX i was unable to make several payments to my credit card with capital one. my card was then restricted. i then made an arrangement to make 3 payments in 3 consecutive weeks to get my card under limit and it will unrestrict my card. once i called to ask to get it unrestricted they so " no im sorry we cant do that but what we will do is make you pay another XXXX payments and then we will unrestrict your card. " So i made one more on time payment above my minimum and had it set up on auto pay. I made a mistake on there Mobile app with one digit off on my account number. once notified 3 days after the due date that the payment was not processed, i called immediately to make my payment over the phone. they then told me that the arrangement will not be honored, and that i have to continue to make my minimum payments with out paying my account in full in hopes that another arrangement may be offered to me but no promise. so now they have me in a position that if i pay my full balance my card will be shut off, or continue to make my minimum payments and pay the interest in hopes of them offering me a offer of unrestricted my card.
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (IL)

Something in the last 30 days has been changed regarding receiving XXXX through Chase Bank. They implemented a new automated procedure that disallows the recipient to 1. not receive a payment and 2. to choose what bank account will receive the payment. I would like the option to accept XXXX at my leisure AND at the same time have the option to choose which account the payment will be accepted ( as was prior to the last 30 days ). I have multiple accounts of which receive payments each month. In the past, I had the option to change the " default account '' to accept the payment into the chosen account. With the Chase Bank new set up in the past 30 days, this is NOT possible. The solution would be to have an onLine option to CANCEL the NEW automated feature so that those who need to cancel automated receipt of XXXX, that option would be available. I also can not believe that it is LEGAL to mandate that a recipient MUST receive electronically any payment. Makes no sense to mandate any recipient to receive funds. Please advise and thank you.
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

We listed our home in WA for sale - our realtor advised us to move out and we followed their direction for a quick sale. We put a change of address in for a temporary residence in CA. During the month of XXXX, our mortgage interest rate changed and amounted to a difference of {$110.00} on a total payment amount of {$4000.00}. I continued making payments and apparently because of the rate change and our life 's circumstances - I paid the wrong amount which then led to the lender applying a late fee on our account. As of XX/XX/XXXX we 've paid off the mortgage to Capital One completely as our sale transaction has closed. We were due to have our purchase escrow close when just this morning we were told that our new lender pulled our credit score and it had dropped about XXXX points so they are n't making the loan to allow our new home to close escrow. As of today - we are homeless and because of the Credit Bureau 's negative impact on one late payment we have no where to live ( with our XXXX child ) and I 'm certain our new lender will only allow the new loan to close if we pay more money - fees, interest rates, etc. This seems like a mortgage extortion and is impacting our family and our finances excessively.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I file dispute with Trans-union about inaccurate information on my credit report. They corrected the inaccuracy ; however, at the same time place XXXX very damaging inaccuracies on the credit report even though these accounts have been paid off for 8 months. This companies practices are very unethical and they are very inaccurate.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (TX)

My home has been under construction for a major sewer leak since last  XXXX   XXXX . I was unable to live there due to the fact both bathrooms had to be torn apart to get to the leak. During the time I was not living in my home at  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX , someone started strealing my mail and somehow got into my house and obtained my information from my files and stole my identity. They opened accounts and they made ppurchases withthe account I had with  US BA NK. This wen on for abo ut six months. THey would even have the purchases sent to my address. US  Bank closed the account in  XXXX   XXXX . THey issued me a check for the remaining funds in the account after the disputes for all the transactions were completed.   Since then,  XXXX  wo Times,  once on  XXXX   XXXX ,  XXXX  and the other on  XXXX   XXXX ,  XXXX . They have reopened this account to allow more transaction to come through for some reason, and even paid them. Leaving the account overdrawn and accessing overdraft fees for the transactions and then charging me a fee of {$30.00} to close the account again. Twice.   The first time on  XXXX   XXXX ,  XXXX  the total amount of transactions an fees totaled {$310.00}. They took this money out of another account I have with them to satisfy the negative balance. Then closed the account.    XXXX  on  XXXX   XXXX , they re-opened it again and posted more transactions and fees totaling {$200.00}. They are sending me demand for payment for these charges and fees now, and they are reporting the account to reporting agencies such as  XXXX , which are preventing me from having a checking account because the new accounts I opened with  XXXX  are being closed due to the file that EWS has on me regarding th e US Bank  account.
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (SC)

Sen t all  XXXX  cre dit bureaus to validate accounts over the last month and no action taken. Contacted the company in writing in  XXXX     2017  no action taken. They just sent a bill with my name on it. Never had an account with this company at all.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Diversified Adjustment Service, Inc. (CA)

Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
XXXX tracking # XXXX UPSC tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called Diversified. Diversified contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXXXXXX 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
Consumer complaint received 2016-08-26
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

On XXXX 2015 I received a package in the mail from Ally Financial letting me know that I was identified as an eligible customer for a discrimination settlement. I returned the package as indicated.XXXX I never got my payment. I called back in XXXX, and they said the payment was mailed to my old address, they updated my information. However I never got the check, I called again in XXXX, and they said that they are reiissuing the check again, but never got it, I have emailed and called them and they never follow up, they forward me to voice mails and they never return my calls. I called today again, and they have not returned my calls yet nor have I received my compensation. Very rude, and poor customer service, very dismissal. I did n't ask for this situation I think they should be able to help me and find a solution to this situation.
Consumer complaint received 2018-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Trading functionality has been " temporarily suspended '' on my XXXX account since XXXX XXXX 2017, this means my money is stuck in the exchange and there 's nothing I can do to solve this issue. 
Customer support is not writing back since XX/XX/XXXX. 
How can I get my money back? 

Coinbase/XXXX case ID is XXXX
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2023-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Received a threatening letter from Capital One Bank USA and a Sheriffs office stating that my wages are going to be garnished soon and Im been served in court. I never received any previous proper documents or proper court citation ; they Ive tried contacting my employer and said they will send the wage garnishment letter without previously providing me account accuracy or any modes of account verification even though the law states that is harassment and its prohibited. If that happens I know my employer will let me go. I am a single mother of XXXX  living paycheck to paycheck, no public assistance with over {$6000.00} behind in rent trying to provide for my family and also helping my mom and sister that had a car accident few months back and are unemployed. This will put me in an even worst financial situation and just because I tried fixing my credit.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

For approximately the last two years I have been on the phone over XXXX times with Equifax trying to get my account fixed so I can get my credit report I have sent the document after document followed every instruction. Every time I login it does not allow me I have been on the phone with Equifax multiple times trying to login all they do is say theyre going to fix it they never do they keep sending me emails saying its fixed but it never is. I have multiple recordings phone recordings of Equifax saying they dont know what the problem is, and they cant fix it. This is my last time before I file a hefty lawsuit violated every law of the FCRA. I am sick of this I cant speak my credit file because these morons dont wan na do their job Ive had enough. My login email is. XXXX. Attached is the result. The only thing Equifax is going to do is send a message saying were still working on it that has been a response for two years. They dont even answer my phone calls anymore. They dont respond to my emails. They have exactly 7 days to get this fixed or I promise you I will follow federal lawsuit.
Consumer complaint received 2023-06-15
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. (NY)

XXXX XXXXXXXX XXXX XXXX 3 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2019-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

On XX/XX/2019, a check in the amount of {$2500.00} was received by my loan servicer, Fed Loan Servicing. I currently hold XXXX direct consolidation loans with Fed Loan Servicing. 
Correspondence with the check asked that the amount be applied to the principal of the single direct consolidation loan with the highest interest rate ( 7 % ). Included in that correspondence, was my name, my account number, the principal balance on the single loan I wanted it applied to, and the internal name that Fed Loan Servicing uses to describe this loan specifically. ( To them, it's " XXXX XXXX XXXX ''. ) My payment was misapplied. It was applied as an interest payment across all XXXX loans, directly against the stated payment instructions included in the correspondence. 

I am including a copy of the correspondence that was included with my loan payment.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

I owned a condominium, purchased in XXXX by myself and former wife. In late XXXX, we lost the condo due to XXXX fees, due to her job loss and health issues. The property was transferred by XXXX XXXX, NY Court to a mediator, and the property was sold at auction, and subsequently transferred to the buyer ( an investment company who buys XXXX foreclosures ) in XXXX. While my mortgage company has a superior lien, they have made no effort whatsoever to enforce their lien since XXXX, and has no timetable on the plans to do so. The property is worth more than mortgage balance, so I do n't see why the lender is delaying. 
In the meantime, I have had the mortgage reported as late on my credit, as it is, since XXXX, and after foreclosure, if and when it happens, will likely remain on my credit for 7 years after, meaning I am being reported on this debt for more than 16 years, potentially. This is inhibiting my ability to purchase a home, at historically low interest rates, and will likely for some time to come, as the CRA 's are reporting the home still in foreclosure. I had the property removed by deed transfer in XXXX, yet the lender states that their lien is superior to the XXXX 's, and as such, they still hold me to the loan, despite not taking any action whatsoever to codify their lien, and in conversations with the lender, no plan or timetable in place to do so. 

I am stuck in limbo and can not do anything, except pay the loan, which I would if I could. In the interim, an investment company profits off my property, which I have no right to, per the courts, and can do nothing to get the loan off my credit report. The original mortgage broker who wrote the loan was subsequently disciplined and jailed for his actions in the mortgage business, and the original lender ( XXXX ) contracted their modification to a Company called XXXX XXXX XXXX from XXXX, FL, who only wanted more money than the current payments were. Following the XXXX foreclosure, XXXX sold the loan to Ditech, who currently holds the loan and has expressed no plan exists for them to exert their lien, nor does a timetable. Ditech blames the legal system in NY, yet they have not taken the basic step of even filing a suit, which would start the clock. Ditech did not even know I vacated the property 6 years ago and that it was foreclosed upon by the XXXX. 

Now I am unable to buy a home because there is no action on this, and that is patently unfair. If I declared bankruptcy, I would n't have this issue, yet I try to do the right things and get treated unfairly in return.
Consumer complaint received 2023-06-15
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. (NY)

As of XX/XX/XXXX the company and credit claimed they done an investigation But that can't be possible when I have no consumer reporting company any WRITTEN INSTRUCTIONS to do so ALL COMPANY AND BUREAS INVOLVED IN THIS MATTER IS IN VIOLATION OF THE LAW!!!!!!! 


XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXXXXXX XXXX  - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request FCBA dispute resolved - consumer disagrees Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX OH XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.