davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

XX/XX/18 my daughter transferred {$450.00} through XXXX for purchase of tickets. She did not receive the transfer as promised through XXXX. I received a notice from XXXX XXXX that the transaction took place along with a phone number to call XXXX XXXX if there were any questions. I called XXXX immediately ( within 5 minutes after the transfer ) and they said there was nothing they could do to help with this fraud. Upon contacting XXXX they said it states on their website not to send money to anyone other than family and friends. I thought I was sending money to a friend. They will not refund money. 

Proof of product for sale and conversation with seller attached.
Consumer complaint received 2018-03-30
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: TRANSWORLD SYSTEMS INC (OH)

I closed an account with XXXX as I sold the home. Moved to XXXX from XXXX. Even though I gave my forwarding address, I never received any kind of final statement. I never even thought about it until I heard from XXXX a year later ( XX/XX/XXXX-XX/XX/XXXX ). I paid the bill immediately over the phone and expressed my anger that I had never heard from them before now. TSI told me that if I paid it would be not be reported. It is on my credit report ( as paid but late ) and costs me money as it affects my credit score. 
I have spoken to both XXXX and TSI. Each says the other is responsible and neither one has the power to remove this from my report as neither one placed it. 
I am very frustrated with the lack of resolution from a debt I would have paid had I ever received a statement and did pay over the phone once I heard about it! 
Help!!!
Consumer complaint received 2018-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

I called to get my monthly payment reduced as I am currently not working - was given the option for forbearance. Decided to only do it to ONE of my loans as i could afford the payment for the other. They put the incorrect loan in forbearance therefore making my account past due as I was under the impression I did not need to make payments on the larger balance loan.
Consumer complaint received 2018-07-19
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: General Motors Financial Company, Inc. (CA)

GM Financial has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with GM Financial was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

There is delayed that is being reported on my credit report appears to be inaccurate and misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.
Consumer complaint received 2018-06-12
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: Southwest Recovery Services, Inc. (SC)

This is a complaint filed again from previous complaint XXXX filed and closed on XX/XX/2018. Southwest Recovery responded that they do not have information locate credit file. Of course they do not because they don't have the correct spelling of my name, my accurate address or my correct full social. I am asking that they send me the valid copies of documents they used to verify this account before reporting this account to XXXX. I am enclosing the Notice to Furnishers I received from the FTC, the correct and true proof of my address and two copies from my XXXX  credit report showing this collection account. The account number that I provided in the previous complaint is as it is on my XXXX  credit file. They want me to give them my information, which they need to be giving me what they have on file to support this collection account.
Consumer complaint received 2018-03-30
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 received a letter from wells fargo stating that they apoligize for any negative information that has impacted my credit report this has been going on for 7 to 8 years and the send me a letter saying sorry when i am part of the class action lawsuit where they are ordered to financially compensate everyone that is apart of it .I am in XXXX late in life and i cant get the financial help i am eligible for because of this i cant get a loan i cant even qualify for a credit card. i always assumed it was for a few hospital bills never checking to see well my eyes are open now and i am not willing to let anyone else destroy me. i only want tobe treated fairly and not like i am going to accept them ruining my credit and send me a sorry letter and thats enough no it is not enough it just not iam starting with you to try and resolve this matter in a timely order its already gone on way to long i deserve to move on from this yes slowly but surly my report is clearing and my score is riseing but do you think its right that iam paying for their mistakes it was not even a mistake them employees knew what they where doing i am being denied eligible assistance for education because some one somewhere wanted a bonus please assist me in putting a end to this as soon as possible i need to continue my education thank you for your time
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MD)

I RECEIVED A LETTER IN THE MAIL STATING THAT I OWED DIVERSIFIED CONSULTANT {$630.00} AROUND MONDAY, XX/XX/XXXX I DO NOT BELIEVE I OWED ANY DEBT TO DIVERSIFIED CONSULTANT, SO UPON RECEIVING THE LETTER I SENT A DEBT VALIDATION LETTER ON XX/XX/XXXX ( VIA CERTIFIED MAIL ) AND THEY RECEIVED MY LETTER ON MONDAY, XX/XX/XXXX ON WEDNESDAY XX/XX/XXXX THEY SENT ME THE SAME DOCUMENTS ( WITH NO WRITTEN  SIGNATURES OR E-SIGNATURES SIGNED BY MYSELF ) OF AN OLD BILL STATING THEY HAD THE RIGHT TO COLLECT.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Ive been using Bank of America to save money. And I live in XXXX, I only usually buy things on XXXX, fast food, and go to XXXX to buy groceries etc. With that being said, Im usually just depositing money into the account and saving. And then one day I check my account and noticed about {$14000.00} in fraudulent charges from a merchant that I cant find even when googling the name. So I called Bank of America and filed a dispute when I noticed it and they said these charges are definitely fraudulent because they were international and I have never left XXXX in my life and dont even have a passport. So I could only assume my card information had been someone compromised and stolen from a checkout point terminal or online when I was purchasing on XXXX etc or other websites its my only guess since I had my card with me when I noticed them. Bank of America assured me this looked very suspicious and that they would get it taken care of. Then all of a sudden I get an email from them saying check my messages and I do just that, which Ive included in the photos below and see that they have concluded my claim to this being all authorized with no errors! Which Im beyond in disbelief, I do not think my claim was thoroughly investigated correctly or else it would be seen this is fraud and unauthorized!!! I am reaching out here to have this claim re opened hopefully and actually looked at and reimbursed my money! Ive worked really hard for my savings and trusted Bank of America and this is not the customer service I deserve in return.
Consumer complaint received 2018-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (VA)

i am an XXXX XXXX service member, and i had a transmission go out in my vehicle. i took my truck to a local shop to have the transmission fixed. the company had companies that they had that would give you a loan to pay for the repairs since i could n't afford it at the time, and i got approved with duvera. after a couple of statements, i saw that i was getting charged nearly 96 % APR and that was outrageous. i call the company and told them i was a service member and that i could n't get charged that much for APR and they said they would fix it but nothing has happened. i opened the account XXXX XXXX, 2015 and after 2 years I 've only been able to pay down about XXXX dollars from my original loan and its been 2 years. i still owe about 80 %.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. (PA)

This is to attest that the below authorized checks totaling {$1800.00} ( XXXX XXXX XXXX XXXX XXXX U.S. DOLLARS ) were paid through Bill Pay via my banker, XXXX  Unfortunately, the checks were unpaid and remained outstanding, as the beneficiary ( LBDI ) did not receive the funds. The checks are : 1. XX/XX/XXXX {$200.00} XXXX XXXX XXXX 2. XX/XX/XXXX {$5000.00} XXXX XXXX XXXX 3. XX/XX/XXXX {$6500.00} XXXX XXXX XXXX 4. XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX 5. XX/XX/XXXX{$500.00} XXXX XXXX XXXX *Please note that on XX/XX/XXXX, I submitted copy of the check for prompt payment, but to date, you have not honor the request ; the letter was confirmed by the USPS on XX/XX/XXXXto be in your care.

In lieu of the above, kindly return the funds, as XXXX  confirmed that you are in the possession of the funds ; copies of the checks from XXXX payable to you are attached for your information and records. We look forward to an amicable resolution of this matter.

Kind regards, XXXX XXXX ACCOUNT HOLDER WITH XXXX Home : XXXX Email : XXXX
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I deposited a check for {$340.00}, hoping to use those funds for essential needs. However, shortly after the deposit, my account was flagged for fraud. The following day, I reached out to Bank of America to address the situation and logged into my account, but the troubles were far from over. 
When I attempted to use my new debit card, which you had just received on XX/XX/year>, I were met with disheartening news : the fraud alert still prevented any transactions. Despite not having used the card at all, my checking account had incurred an overdraft fee of {$17.00}. This added financial strain left you unable to access your funds or utilize my debit card. 
The impact of this situation has been profound. Without a working debit card, I found yourself stranded and unable to purchase necessary medication from the pharmacy. As of today, I remain without a debit card, facing ongoing challenges due to what appears to be a fault on Bank of America 's part. 
This experience has not only caused significant inconvenience but has also left you feeling vulnerable and unsupported during a time when access to funds is crucial.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XXXX XXXX of 2017 I opened up a dispute against capital one because the falsely added something to my credit report which took my credit down from XXXX to XXXX. My dispute was completed and they were found in the wrong, yet my credit score only when back up by one point. That needs to be fixed because that had nothing to do with me, it was XXXX XXXX mistake not mine and I should not be punished because they cant get their information together.
Consumer complaint received 2018-02-14
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)

In XX/XX/XXXX, I received a phone call from XXXX XXXX, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXX I received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called XXXX XXXX on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that XXXX XXXX  reported my mortgage account as delinquent 90-119 days past due. I then placed a call to XXXX XXXX and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to XXXX XXXX regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that XXXX XXXX has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from my account
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (LA)

On XXXX/XXXX/XXXX, I mailed my XXXX XXXX mortgage payment of {$1200.00} by USPS certified mail to Chase. On XXXX/XXXX/XXXX, Chase received my XXXX XXXX mortgage payment. Chase applied the whole {$1200.00} mortgage payment as a principal reduction payment. This is the second time in two weeks that Chase has misapplied our mortgage payment as a principal reduction payment. On XXXX/XXXX/XXXX, I mailed our XXXX XXXX, mortgage payment by USPS certified mail. On XXXX/XXXX/XXXX, Chase received our mortgage payment of {$1200.00} and applied the entire amount to a principal reduction. Both payments were clearly marked as a mortgage payment. Chase has not fixed either mortgage payment and has not sent us a mortgage statement.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I don't understand why my credit score has dropped 13 points and nothing has changed from the last report date. I feel that this reporting system is taking advantage of consumers. There is no reason why my Transunion credit should have dropped 13 points. This system is unethical no morals what so ever. I need my 13 points back on my report immediately. Can  you please assist me thank you.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Had charges debited from checking went into a branch to inquire about negative balance they filed a dispute even after telling them my account was stolen with police report they closed my account a few later with a balance remaining with bank of america then they did not provide me with account number or even communicated with me like we discussed at the branch in XXXX Texas.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft and had duly notified the relevant authorities. As a results, I sent this company my dispute on XX/XX/XXXX, attached with all the relevant documents to verify my claims and expected them to block/ delete inaccurate Inquiries information from my credit report within 3 days as required by law but they have not. The fraudulent inquiries which I did not authorize are still showing on my credit report and have resulted to me being denied credit.

Please delete these fraudulent inquiries from my credit report : XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My XXXX XXXX decreased XXXX points at the beginning of XXXX. I had exceptional credit and worked hard to get it that way. I am about to rent or buy a house and this greatly affects me. Upon looking into it, Experian noted that the extreme drop of my XXXX XXXX was due to " XXXX accounts closing ''. After looking into this further, it appears that since my XXXX student loans are currently deferred until XX/XX/year>, the loan provider ( XXXX ) somehow reported my information wrong and said my accounts were closed or delinquent. I have messaged them and have not heard back to resolve this issue. NOTHING has changed with my loans and they are NOT delinquent. 

XXXX XXXX
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Dates on credit report are wrong. They do not provide a delinquency date which has re-aged the account. 
" Section 623 ( a ) ( 5 ) requires a creditor that reports a chargeoff to a CRA to notify the agency ( within 90 days of reporting the account ) of " the month and year of the commencement of the delinquency that immediately preceded '' the chargeoff. Section 605 ( a ) ( 4 ) provides that the credit bureau may report the chargeoff for seven years. Section 605 ( c ) ( 1 ) provides that seven year period begins 180 days from that date. '' There is no report last delinquency date. 
They have also changed the date of when the account was opened. I do not have an account with Portfolio Recovery and I did not open an account with them in 2014. 

They are in violation, creditors and debt collectors are responsible for reporting information to the bureaus that will them update the DLA.
Consumer complaint received 2018-10-30
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: Seterus, Inc. (FL)

Entered into a disaster relief forbearance with lender under the XXXX XXXX disaster relief program as a result of Hurricane Irma.  As part of the program, credit report was to be suppressed and no negative information was to be reported to the credit bureaus. During the forbearance period, I paid off the loan in full including including all the deferred payments when I sold the house. Upon payoff of the loan, I was reported to the credit bureaus as being 180+ days past due. I had this loan since XX/XX/2004 and was never late. The lender has refused to fix the issue and has advised that regardless of being under a disaster relief forbearance, they suppressed the reporting during the forbearance but when I paid off the loan, I was out of the forbearance period and had to report me negatively to the credit bureau.
Consumer complaint received 2018-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

My residence is in XXXX, an approved country for CoinBase users. 

I have been a CoinBase user since mid-XXXX, always satisfied with the service, transacting mostly between LTC, BTC and EUR as an amateur trader. I verified my account with passport, bank account in my name for XXXX transfers, and provided proof of residence. 

Over XXXX XXXX I visited XXXX, where I tried to access the website, not aware this was against CB 's terms of service. As a result, my account was locked and I was asked to provide extra materials to confirm my residency was not in XXXX. I complied, providing copy of passports, proof of residence with bank statements, even including a confirmation of my hotel in XXXX. 

It has been almost over 2 months since I've had access to my account and funds. I have since been in touch with their customer service reps, who were very friendly and escalated my case 'to the highest priority level ', but nothing has happened to resolve the issue. All I get is automated responses via email. 

I have in excess of USD XXXX, - in my account and want to regain access to my funds. CoinBase is not responding to my efforts to resolve the issue, I've offered all the documentation they asked for and more, and I've been emailing and calling. My account is still restricted and there is no outlook for any resolution. All I can do is call, get the same response, and I'm discouraged from making new tickets to call attention to my funds being held hostage.