davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-11
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Midwest Recovery Systems (PA)

This collection agency is on my credit report on the XXXX its on there theree times. I never applied for payday loan. I never even heard of XXXX XXXX. I am thinking my idennity was stolen or its a scam. I never received any info on this. I do want this taken care of and off my credit reports. I have spoken to the state police bout this. I would like to know who did this so charges can be pressed.
Consumer complaint received 2017-07-20
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. (WA)

I have been having a problem with XXXX since XXXX 2016. They REFUSE to acknowledge that I have properly sent them paperwork for an income based repayment plan. I have fax machine confirmations that the paperwork has been properly sent. Earlier this year I contacted them about this problem because they have falsely reported to credit reporting agencies that my account is delinquent. They put the loan into forbearance and gave me until XXXX to fax the paperwork again. I did this in XXXX. Now I have credit reporting agencies calling me again telling me that XXXX is once again reporting the account as delinquent despite having the paperwork they demanded. Once again, they say they never received it. The fax confirmation says otherwise. They are DESTROYING my credit report maliciously and without provocation. I have done everything I am supposed to do. They are doing this to millions of people, it 's why you 're already suing them.
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MA)

I went into the Victoria Secret Store to purchase some items. When I went up to the counter to pay. The woman told me she had to call Customer Service about my Victoria Secret Credit Card. According to the woman, my card was restricted. And could not use. Prior to this a week, they increased my credit limit. I have been a customer with Victoria Secret since 2014. Only been late on one payment. It was embrassing, got home and called them and was told due to my credit report they can not allow me to use the card. You just increased my limit and been a customer for 3 years. Now, there going to close my account and leave a negative mark. I do n't understand how this is legal to do. I will keep making my payments, and when I call them, I get some one new every time, telling me different things. Why check after 3 years? And why give me a credit increase.
Consumer complaint received 2016-09-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (NJ)

XXXX is stating the debt is still showing in my credit history. AFNI stated they have contacted the creditors to have it removed. 

Previous attempt to have it removed Case number : XXXX AFNI said : Explanation of closure On XXXX XXXX, 2016, Afni received tis complaint. This was Afni 's first contact with the consumer. In response, Afni initiated an investigation. On XXXX XXXX, Afni sent another request to the credit reporting agencies to remove the account from the consumer 's credit report. Afni trusts this has resolved the consumer 's concerns. Since the account is no longer in Afni 's office, the consumer should contact XXXX if he would like to discuss the account further.
Consumer complaint received 2017-07-20
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNTRUST BANKS, INC. (CA)

On XX/XX/XXXX, 2017 I provided notice of my brother 's XXXX to SunTrust Mortgage. At SunTrust 's request I faxed a copy of his XXXX certificate as proof of XXXX. I informed SunTrust my brother had no spouse, children or estate. My name and address is shown on XXXX certificate. Since receiving my name and address, SunTrust is now addressing my late brother 's mail to him c/o my name and address. This was without my request or authorization. My brother has never resided at my address or used my address as a mailing address. I would like SunTrust to cease using my name and address for my late brother 's mail regarding the status of his loan or other legal notices. I believe lender should instead use loan holder 's name and last address of record for any required communication.
Consumer complaint received 2017-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

On XXXX/2017 I was approved by someone selling an " investment opportunity '' this ended up being a Pyramid Scheme, they used the name " XXXX XXXX '' they charged my Debit Card at Wells Fargo for over {$3000.00} total and then disappeared, they had promised to pay me {$150.00} weekly XXXX {$620.00} a month ) for 12 months and after they charged my debt card, they disappeared, they disconnected their phone and never heard back from them again. I tried filing a claim with Wells Fargo and they wont do it, they said that because I gave him my card I made them an " authorized user '' of my card, so they wont even attempt to recover the money, meanwhile this company is out there probably with another name scamming people our of their hard earned money
Consumer complaint received 2017-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

My home had a fire back on XX/XX/XXXX. I had image in excess of 300K. After 6 months of tedious deliberations with my insurance company we came to a settlement amount. The first of 2 checks of this amount was submitted and made out to me and my mortgage company who is Citibank ( Citimortgage ).  Citibank requested documentation such as re-building proposals, XXXX XXXX for GC, GC 's contractors license and valid insurances etc. All have been submitted and processed. Meanwhile it has been over 3 weeks since they have received the first of my 2 settlement checks and as of today they are refusing to release the initial amount required ( deposit ) to my contractor so he can begin working on re-building my home. I call everyday and there is always some sort of delay or issue with their processing system. My contractor is slated to begin work Monday XX/XX/XXXX and I am forced to go into my personal savings to furnished him with some sort of down payment to begin work or he will move on to another project and I will be left to find another GC and re-start the entire permit filing process again ( which took 3 months with the City of XXXX XXXX, NY ) to get to this point of commencing. I have repeatedly told Citibank that time is of the essence and if I lose my window of start opportunity it will cause more damage to the home since it is sitting dormant with time more damage will occur. I have no other outlet as they are holding the monies meant to re-build my home and not forwarding to my GC no matter how we comply. Another issue is that they will only release a very small amount which is not nearly enough to cover the requested down payment to begin the massive work required for the rebuilding of my home Regards - XXXX XXXX
Consumer complaint received 2017-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I sent a wire transfer in the amount of {$8000.00} to coinbase on X/XX/17 as instructed on their website. however, I still have not received on my wallet. When I sent emails, their response was I did not do the verification to receive wire transfers. So I checked my account, there, I did verification twice using my DL. They said that money should reverse it back to my bank account if it does n't go thru their system, but it 's been almost two weeks since i had last email. They do n't even reply back to me regarding this issue. I do n't even see a pending messages on my account. this is online bank statement -- - > email : XXXX Amount : XXXX TRANSFER : Coinbase, Inc Confirmation # XXXX > Edit Description > activity type transfer > status type icon cleared > Cleared. Select to mark activity type transfer XXXX TRANSFER : Coinbase, Inc Confirmation # XXXX as Reconciled XXXX
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SUNTRUST BANKS, INC. (NC)

This is a SunTrust Cash Rewards XXXX with a {$21000.00} limit. It has not been overlimit. Since XX/XX/XXXX, during a single billing cycle and statement period, I made {$9600.00} in payments and {$58.00} in purchases, and while the balance reflects all the payments, the {$9600.00} paid only shows as {$6500.00} available credit. There are no pending charges and no automatic payments on this account. Where are the {$3000.00} missing from the account? SunTrust ca n't explain it and it does n't publish charges. There should n't be interest Charged against these payments since it 's inside one statement period.
My most recent cash payment of {$2000.00} on XX/XX/XXXXyielded just a {$990.00} increase in available credit. The bank does n't disclose what it 's doing with 34-50+ % of our payments, it just shows an {$11000.00} balance on an account with a {$21000.00} limit that has only {$6400.00} available credit. Where did our {$3000.00} go? SunTrust wo n't tell. I 'd expect this kind of deception from someplace like XXXX, and am sorry to see that SunTrust treats customer 's the same way.
Consumer complaint received 2017-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted TransUnion Credit reporting agencies for the last 5 months over and over again with dispute after dispute. They, ( CSR ), are so in the habit of telling you what you ca n't dispute on the report or telling you what wordage you ca n't use to dispute, or just telling you that you ca n't dispute. When calling in, I am always transferred to CSR 's outside of the country who are not informed of the new laws regarding credit reporting.
The new laws installed  XXXX   XXXX , 2017 CDIA new credit reporting laws are not known to any of the CSR 's I have talked to. I inform them of these laws, and since they have not been made aware of them, they really do n't help at all. The new law is the new criteria set for reporting civil judgements, bankruptcies and tax liens. If these criteria 's are not met, the item has to be removed from your report. I had problems with even management when it came to understanding this law because they never heard of it. I offered to send them the information stating these laws. I spoke to manager,   XXXX   XXXX   at Transunion and she gave me her fax number to receive the news letter. Even after she read these new laws, she refused to adhere to them. I have the problem with the bankruptcy criteria that has not been met with reporting it to Transunion.   XXXX   XXXX   stated that although the criteria is not met, the item has to stay on my report. She SAW, the information in writing and STILL refused to help correct the situation.   XXXX   XXXX   stated that she saw the criteria on my report that the new law stated and I told her I had a copy of my report and it was n't there. She stated, " she saw it from here end and I would have to get a sapena to see what she saw '' ). So, I sent faxed her a copy of my report to show her. She did not acknowledge my report was correct. EVEN MANAGEMENT REFUSAL TO HELP IS ASTOUNDING! Within these 5 months I have been disputing, I have n't gotten any positive help from the people working for Transunion. I have disputed : address changes, inquiries, derogatory items reported and public record reporting. They do not offer help, they offer discouraging words, the sorry I ca n't do, the sorry you ca n't do. They are in the business of refusing to help rather than helping.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Health Investment Company, LLC. (IL)

I received a medical bill addressed to me but the patient is an ex boyfriend XXXX XXXX. date of service on bill X/XX/17 amount of bill {$1700.00}. I called Professional Account Services where the notice came from and told them this is not my bill. They said I was Listed by the hospital as his spouse and am. I advised them not Married they told me I would need to straighten it out at the hospital. I then called XXXX Regional Medical Center and have left several messages with no response.
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In acquiring a second mortgage loan on a New Jersey shore condo, I sought out Bank of America, as I have had prior mortgages and accounts with them. Although the process seemed to drag at times, due to the loan officers unresponsiveness, the closing date was approaching fast. The week before closing, I received an email from the loan officer, NMLS ID XXXX, stating that the condo was non-warrantable. This was after I paid for the appraiser to assess the condo. After receiving the email, I responded back as well as followed up with numerous phone calls, which went unanswered. He finally reached out 6 days after sending me the notice. At times during the process, I wondered if he knew what he was doing based on the lack of communication, days of no response from voice mails/ emails, asking for information already sent and having me pay for an appraisal without even checking if a loan can even be obtained for the condo. I had asked to deal with his manager, in which was not contacted by one, and my continually request for a refund or appraisal reassignment is going nowhere.
Consumer complaint received 2016-09-01
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc. (OH)

Calls from multiple lines, sometimes multiple times a day. They leave voicemails when there is an option with no content -- completely silent. There was no type of identification at all. At one point, my voicemail was completely full and could not accept new messages because they had left so many blank voicemails. I instructed them to stop calling and communicate via postal mail and the phone calls continue.
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have over 100 inquiries on my Transunioun Credit Report that are due to my identity theft. They will not provide me with any information to validate these. 
XXXX Bank XXXX # XXXX is not my account. they will not validate it. 

XXXX ACCOUNT NUMBER XXXX DOES NOT BELONG TO ME AND THEY DID NOT YET REMOVE NOR VALIDATE THIS AND XXXX ACCOUNT # XXXX XXXX THEY KEEP PUTTING BACK ON UNDER ANOTHER COLLECTION ACCOUNT # XXXX. 

I HAVE EXCELLENT CREDIT. OVER 30 ACCOUNTS BUT THE INQUIRES ALONE ARE NOT MINE NOR CAN BE VALIDATED. 
XXXX ACCOUNTS WAS DUE TO IDENTITY THEFT ACCOUNT # XXXX ACCCOUNT # XXXX XXXX AS WELL XXXX BANK ACCOUNT # XXXX
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (FL)

I ordered a XXXX Wells Fargo credit card for our daughter to use in case of emergency. 
The brochure with that XXXX credit card clearly stated that she could get a cash advance ( in case of emergency ). Our daughter tried to get such a cash advance at XXXX different branch locations without success. While this was going on I called Wells Fargo headquarters and was informed they had no power over any branch office to assist.
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

While working with Ocwen Loan Servicing to modify our mortgage loan and prevent foreclosure. The inconsistent information that was given to me and the methods used to determine " timely '' filing of information enabled the attorney, acting on behalf of the Bank, to direct the auctioneer to proceed with an auction on my property on XXXX, XXXX, 2016. My repeated attempts to comply with every direction requested by Ocwen Loan Servicing to file a " complete '' application was deemed to have been received on XXXX XXXX, 2016. Please review the attached documentation and help me to reverse this action and retain ownership of my home. A complete file of all documentation is available at your request.
Consumer complaint received 2017-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I have an account with coinbase for cryptocurrencies such as Bitcoin, Ethereum and Litecoin. I have over $ 20k in my account. Two weeks ago my security was compromised so Coinbase locked my account. Since then I have not been able to get support or access my money to trade on information. I have escalated through every available channel including XXXX daily and received one support email to my ticket that asked me to repeat my problem.
Consumer complaint received 2016-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I sent a letter requesting for the debt collector to validate a debt based on a letter I received from them. They responded back without validatng the debt. The information they sent does n't have my signature accepting service from their creditor or any pertinent information. There is no proof submitted. Also, I stated I do n't know this doctor and the date of service is almost 2 years ago. I had two different insurance ( primary & secondary ) during that time period. If their billing person did not bill correctly the insurance companies ; then I am not responsible for the bill. Also, if another doctor took over the practice ; then the new doctor can not claim service he did not perform. That is fraud!!! Information provided is proof but something printed out from the debt collector 's computer system. It does not show proof from the creditor!!
Consumer complaint received 2016-09-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XXXX/XXXX/2007 my house was foreclosed on and sold for {$100000.00} on the courthouse steps. An attorney by the name of XXXX XXXX with XXXX XXXX XXXX XXXX representing Countrywide ( mortgage company ) and XXXX XXXX ( XXXX loan ) was in charge of the sale of my home. On XXXX/XXXX/2007 My attorney, XXXX XXXX and I filed for chapter XXXX and received case number XXXX. If I would have been given my automatic stay I would still be living in my home. XXXX XXXX told my attorney, XXXX XXXX, that she did n't care if I filed bankruptcy, she was moving forward with the sale of the home regardless of the bankruptcy filing the previous day.
Consumer complaint received 2016-09-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

I have received over a dozen calls from " Chase Receivables '' for a {$370.00} hospital bill. I have full coverage health insurance with a {$150.00} hospital copay, which has been paid in full. I explained this several times, even going so far as to email them a scanned copy of the paid invoice to show that the patient ID number they have on file is not the correct number. I have been told at the close of every exchange that they will note this on their records and stop contacting me, yet the calls continue, always on my mobile phone despite my requests that they cease contacting me on a private mobile number
Consumer complaint received 2016-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NY)

I missed a payment XX/XX/XXXX and did n't realize it until I received a letter from Navient XX/XX/XXXX. I was unable to make the entire payment at one time so I broke it up into 4 smaller payments and scheduled automatic deductions from my checking account via Navient 's website. I have one more payment left and Navient collectors have started calling my place of employment. Now the owner of the company I work for is questioning me about it.