davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (KY)

For a month now I have been trying to withdraw my money from my account and it will not let me. It gives the error Im trying to close to many accounts. I only have one account. You have XXXX of my money that I need to pay my mortgage and other bills. I have emailed you over 30 times, called ( your customer service is not helpful at all ) put on XXXX  and XXXX. I need results I need my money out back in my XXXX XXXX  account. My email is XXXX
Consumer complaint received 2018-01-26
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)

I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XXXX to XXXX which are incorrect.
Consumer complaint received 2018-01-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (VA)

To whom it May Concern On XX/XX/XXXX, I received my account statement for my Personal Credit Line N XXXX, but I do not agree the interest rate on it. I have been complaining this account several times regarding the misleading and unfair interest rate Wells Fargo have been charging me these months. For example, in the statement ofXX/XX/XXXX, they applied an interest rate of 20.05 %, but in XXXX the interest rate changed to 20.75 %. Despite I have been paying more than half of the credit line, the interest rate still is unfairly increasing monthly. This unjustified and wrong action that has been taking by Wells Fargo against its clients must be stopped by a competent authority. 
I would take the respective actions, if Wells Fargo keep charging me this high and unreasonable interest rates. Also, I would stop my payments until my complaint was considered and my interest rate get changed to the initial yearly interest rate of 8.5 % ; which was offered to me when I filled and summited the application for this credit line in the XXXX XXXX store. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

On XX/XX/XXXX ( mailed XX/XX/XXXX ), I sent a certified letter to I C Systems, Inc. requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. I verified their receipt of said letter using the USPS tracking feature. They have failed to respond to my request in any way, therefore, they have not proved that I am obligated to pay them anything. They have reported delinquent and negative information to all of the credit bureaus and I asked that it be deleted.
Consumer complaint received 2018-01-26
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bliksum, LLC (CA)

i have a personel loan with a company based out of texas called XXXX XXXX and have had some difficulty paying the loan back .they have recently started calling my father asking him to remind me to call them. the issue is that i never gave them any of my fathers info or any family members phone numbers. how did they get this info and what a terrible thing to have your father call you XXXX out that you are in financial trouble .what can i do i have no way of paying this back right now they actully told me today they wont call him but they have ways of tracking and fishing up information on all my family and that they sudjested borrowing the money to pay them back or go to the local pawn broker and evaluate what i can look at to raise the money.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

We have tried to get this company to do the correct thing in removal of in correct items off our Credit Reports ; to only encounter prolonged wait times and each time taking an additional 30 days when the item was not investigated properly for removal. Supportive Information being sent over and over to not get the results due the consumer. Often this keeps score lower than they should be and incorrect denials of Credit due to inaccurate items on your Credit Report. You should not have to wait an additional 30 days once the initial complaint is filed this should get this investigated for automatic removal an a re-score sent to the company that rejected the consumer with a explanation as to what happened with your Credit Report.
Consumer complaint received 2018-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

We believe that XXXX is bent on foreclosing our property if not a Shylock type modification will not be proposed. We hereby acknowledge receipt of your proposed modification, however we do not agree with the terms and are therefore not signing it. Reading through the agreement, we concluded that it is a case of once bitten twice shy. The terms thereby are by no means " modification '' as you call it, and do not proffer any solution to our current predicament. You put the interest rate at 4.95 % which was what it should be anyway as this was the interest rate prior to the previous modification. We faxed you a copy of the agreement with XXXX XXXX  to reduce the initial interest rate from 5.9 % to 4.95 % but you claim you did not receive it. Also on your modification, we will pay {$3200.00} for 417 months and at the end of maturity of the loan we will still owe you {$130000.00}, please explain what you mean by that. And what do you want to change the maturity date? We would not have agreed to that anyways as we dont want to pay mortgage into our graves. If you claim to reduce the interest rate why do we still owe you this much. Also how did the principal balance get up to {$520000.00} from {$520000.00} when it was transferred to you? It not does look like your investors are ready to provide any help in anyway. This obliviously seem like another sharp practice and we are not falling into this trap again. We just sent you the rest of the required documents on Monday XX/XX/XXXX, your modification is dated Tuesday XX/XX/2017, this tells us no due diligence was put into this modification agreement. We hereby seek a short sale or deed in lieu if no reasonable modification can be offered. We are tired of all these sharp practices and Shylock decisions and we need our peace. Attached is a copy of the XXXX XXXX  interest rate reduction. So how have you helped us? We were having trouble at 4.95 % that was why we had the modification then. Current home mortgage rate are in the 3 %. 

Thank you!
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avid Acceptance, LLC (OR)

AVID ACCEPTANCE LLC XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Checked my credit for a car XX/XX/2017, I do not recall requesting this credit check nor did i authorize any person or business to do so. This hurt my credit and is an unfair hit on my credit. I tried to call said company and got a disconnected call three times when i called to esquire of this.
Consumer complaint received 2020-08-28
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. (TN)

My first dispute was sent on XX/XX/XXXX for identity fraud. I sent an FTC report along with a police report. XXXX  is refusing to remove 4 items from my credit report. They are XXXX XXXX XXXX XXXX   XXXX, XXXX, and XXXX XXXX XXXX XXXXXXXX. I want these blocked from my report. I received results that these were verified so I called on XX/XX/XXXX to start another investigation. I just want these items removed completely instead of them XXXX them out.
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX there was a {$200.00} ATM withdraw from my bank account that I did not make. I was so suprised because my card was still in my wallet ... So I called Chase as soon as I realized the amount was taken which was the next morning XX/XX/XXXX around XXXX XXXX. I filed a fraud claim and they credited my account {$200.00} while they investigated. I thought great they will check them ATM camera since it was at there own branch ill get my money back it 's not as bad as it could have been. NO I WAS WRONG!!! I recieved a email to call chase so I called chase and they need more info to resolve my fraud case. They asked if had my debit card, if I ever used this ATM and other basic info I answer I had my card and that was the bank actors the street from work and I opened my account there. I was then told they would email me there response. I did n't think I woukd receive a email on XX/XX/XXXX stating they are reversing the {$200.00} credit. In shock I called Chase and was told that since I had my card and used the same ATM I could not prove it was n't me and that there is NO way someone could make a card with a chip and take money out of a ATM .... pretty much acusing me of takimg my own money out!!! Wow!!!! I asked them did they review the camera they said no u need a subpenoa to get the footage!!! I was flabbergasted how could they allow someone to walk up to the ATM take my money and tell me sorry you owe us NOW and are charging me overdraft fees returning payments! I have now filed a police report and trying to obtain a subpenoa to get the camera footage to prove my innocence and get my hard earned money back. Can you please help me with this this unethical company!!! I was a loyal customer for 8+ years and never expected that someone could steal my money and I would have no protection. Please share I know chase is doing this to more people and it 's just wrong.
Consumer complaint received 2021-01-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZenResolve, LLC (AL)

I got this information from XXXX  regarding zenresolve. The problem is with my bank account. My checking account was closed on XX/XX/2020. My money wasn't deposited into my new checking account in time. So I was unable to make my payment. I will just pay the {$1000.00} of what I borrowed when I get my stimulus check and my money deposited into my new checking account. But I will not be paying any interest.
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

A service charge in the amount of {$20.00} was deducted from my checking account on XX/XX/XXXX. I have had a banking relationship with Citizens Bank since XX/XX/XXXX, and I have not previously been charged a similar fee. The charge appeared simply with the description of service charge and I had no idea what it was. 

On XX/XX/XXXX, I noticed this {$20.00} service charge and sent electronic correspondence through Citizens Banks online banking platform questioning the charge. In my correspondence, I requested that the purpose of the charge be explained. I also requested that, if the amount was charged in error, to reimburse the {$20.00} to my account. 

Five days went by without any response from Citizens Bank. On XX/XX/XXXX, I sent another message through Citizens Banks online banking platform asking when I could expect to receive a response. 

On XX/XX/XXXX, I received a response from Citizens Bank representative XXXX XXXX The representatives message was a form letter, but the message advised that by maintaining a monthly combined balance of only {$20000.00} in all your linked Citizens Bank accounts you can waive the monthly maintenance charge on your Circle Checking account. The representatives message offered no redress to my specific complaint, nor did the message provide any explanation as to why the charge was being imposed for the first time ( after many years of owning this account ). 

This appears to be a new interpretation by Citizens Bank. Again, I have had this account for many years and have never been charged a similar fee. I have no record of ever consenting to maintain a {$20000.00} minimum account balance. My Circle Gold Checking account was opened many years ago, and based on the fact that it is no longer referenced on the Citizens Bank website, it appears to be a legacy account type ( i.e. only " Circle Platinum '' accounts seem to be referenced now ). As  such, it is clear that Citizens Bank now intends to charge me a monthly fee of {$20.00} unless I fund this account with a minimum balance of {$20000.00}. I do not consent to this, and I find the unilateral imposition of this pricing to be deceptive on the part of Citizens Bank.
Consumer complaint received 2018-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Consumer My mother XXXX XXXX XXXX and I XXXX XXXX got a loan from XXXX in XXXX CT through Capital One Auto XX/XX/XXXX the loan was in her name and mine XXXX XXXX my mom passed a XX/XX/XXXX and as her Executor of Estate I have been engaging in clearing all financial issues so I called Capital One Auto XX/XX/XXXX and advised them of Mothers death and that they would have to remove her have and I would be solely responsible the intern told me to fax over the death certificate and this would be taken care of by the next billing cycle of the XXXX. I received XXXX bill with no changes done a called them again and again month after month them advising me that it would be taken care of and they didnt understand why its not done and would check in another department and told they would remove my mom from the loan reference on XX/XX/XXXX spoke to XXXX. The next call was on XX/XX/XXXX that there was a note in the system nothing the next time I called in that I would have to call the DMV per the back office the gave me s fax # XXXX per XXXX that the title would have to be changed there and my request is to have my mothers name taken off the loan because I am on the loan as well, I was overwhelmed on that day going back an forth for months and threatened to call the news so then the transferred me to a XXXX XXXX @ XXXX Ext XXXX executive response coordinator she listened and said she would look into this and get back to me in a few days well that did not happen, I called and left her about 25 messages. Capital One sent me a letter on XX/XX/XXXX stating they tried to get in touch with me this is not true I am home everyday. See attached- nothing has been done to resolve my issues.
Consumer complaint received 2018-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: NAVY FEDERAL CREDIT UNION (PA)

To whom it May Concern, I have sent many letters contacted all three major credit bureau, filed a report with the FTC ( Fraud ) to have these fraudulent accounts x 3 removed from credit report. I have explained that I never authorize these accounts.

Please send me a correct signed documentation that I signed to have an account and credit cards in my name with your establishment. I don't recall applying for any credit card or any account with your company.

I am looking at my credit report and I see that I have three accounts that are listed on all three of my credit reports. I am unable to provide the account number due to me not knowing about these accounts.
Consumer complaint received 2018-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion refuses to block fraudulent accounts on my report from dispute to remove debt buyer XXXX XXXX XXXX XXXX. I submitted a dispute and they have validated the reporting after I submitted a police report and and an FTC Fraud Affidavit. This company is a debt buyer on accounts that I did not open.
Consumer complaint received 2018-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Date reported was XXXX/XXXX/XXXX. Last reported on XXXX/XXXX/XXXX. This is a collection agency. I paid the balance in full. Collection should be deleted off all credit bureaus. Contacted the company and they never deleted it! Still hurting my credit scores. They remarked this account to the credit bureaus only paid in full. Should be deleted as well.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I received a re-investigation from Equifax. I requested that XXXX XXXX XXXX ( XXXX  ) reporting be verified. The date of the last payment is not reported. The months reviewed is not accurate. I am requesting the method of verification. Equifax is reporting this account without a date of last activity, therefore Equifax is re aging this account. This account has passed the 6 years statute if limitations ( SOL ) in  Tennessee. Equifax continues stating the account date of last activity is verified yet left the information blank on the report.
Consumer complaint received 2018-06-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation (LA)

I tried Disputing over 3 times ... Account came back Verified But Nothing Else!! No Agreement or Contract that I Agreed too. No Signature or Anything!!!! Im Asking to Please Delete Immediately!!!! This Collection is Messing up my Credit Badly ... I thought they had to Prove to me which they Have Not Done so what so ever.. Please Delete they have Yet to send in Any Paperwork just Verified
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXXXXXX XXXX ( collection/charge-off ) claim ; this is a blatant error ... I settled this account before it went into collections, yet the bureaus insist on reporting it wrong ... I have contacted the creditor and the creditor concurred and said it is invalid and should not be on my report ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Credit report has been outstanding for the last couple of years as i plan on opening a business soon. I have 2 student loans with XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) and upon contacting them through phone calls couple times, their associate gave me the wrong information misleading me on what i can do. They said that they don't report to credit reporting agencies unless it is over 120 days late. Fast forward to couple weeks ago when i talked to an associate again, i stated that my account is late but i am in the process of apply for a deferment. I specifically asked if i need to make a payment just in case or it will be ok and the associate said that " you don't need to make a payment and we don't report to credit reporting agencies unless it is couple months late and your account still have time so you should be ok '', misleading me with the wrong information again. So i asked again to make sure and the associate states that she is " sure '' meanwhile my wife is with me listening to it as we both made sure the problem is taken care of.. 

I have always paid my bills on time and because of this misleading info. from a poorly trained customer representative, my credit was so badly affected negatively and thus my dream of opening a business soon is hindered. I believe that although i don't have any proof as the communication is through direct phone calls and not email or paper, i should be given a second chance especially since it is not my fault, and that i called in to talk and asked about my loan, i have the intention to pay it, and that my credit history has been excellent. 

Upon contacting Transunion and XXXX XXXXXXXX XXXX, none of the company is willing to resolve my problem. I need help in getting this fixed as it reflects my integrity and trustworthiness as being negative.