davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

We are in the process of selling our home. During the title search, it was discovered Bank of America did not satisfy a deed of trust when we refinanced, so it appears to deeds are open. We started to call on XXXX XXXX to report the issue. After numerous calls for resolution and no response, we finally received a call that the issue was resolved on XXXX. However, it turned out the bank satisfied the wrong deed of trust. Due to the delay, the buyers mortgage company cancelled the closing and will not reschedule until approved. The expected closing date was XXXX, due to our house not being ready, we had to rent an apartment for one month at a cost of over {$3000.00}. Because our house is not closing, we are also going to be responsible for paying our mortgage with Bank of America. Because our closing appears to be pushed back until XXXX, the buyers can now cancel the contract and also attempt to come to us for restitution. During the process of trying to get this fixed, I have faxed in, and our lawyer has faxed in the documents to Bank of America 3 times. We even sent them a copy of the deed to be satisfied and they still did the incorrect XXXX. Because of the error, we are basically owing the equivalent of XXXX mortgage payments, plus our buyers are in a horrible position. XXXX last thing, the reason why there was problem with the original refinance was we were instructed to sign the documentation incorrectly and it had to be resigned a second time.
Consumer complaint received 2016-08-25
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Suttell, Hammer & White, P.S (CA)

XXXX XXXX sold my debt to Suttell, Hammer, & White. The debt is legitimate. I asked, as per attached letters, Suttell, Hammer & White to cease all collection attempts and to stop ALL contact with me. The company has not only ignored my requests, but has been threatening me with legal action, mailing make lawsuits, tormenting, oppressing, and engaging in false, misleading, unlawful, unfair, and fraudulent practices. I am perfectly fine it this company wants to sue me. If they do, I 'll reply, but they can not continue to act with impunity by violating, blatantly, the XXXX Fair Debt Collection Practices Act, and the Fair Debt Collection Practices Act.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I purchased a sectional couch, and the sales representative encouraged me to also purchase the ottoman that comes with the set. The sales representative was given the measurements of the space where the sectional would reside, and the sales rep determined that the ottoman would fit in with the sectional. As it turned the sectional was far too narrow to have the ottoman fit between both sides of the sectional. I tried to work with the furniture store, who it turns out is a highly unethical merchant. I spent a great deal of time with the credit card company, whose initial representative advised me he was sure they would not charge me for this ottoman ( which was way overpriced compared to other stores ). I followed the credit card company 's demand for information, but they also required me to get a statement from a similar merchant that basically supports my contention. I told them I have NEVER HEARD of any merchant requiring such a thing. What merchant is going to stop his business long enough to not only talk to me about the issue, but also prepare a document stating that he/she supports my contention. This is utterly ridiculous. I asked the credit card company to please give me the name of one merchant in my area who would make such an evaluation with no benefit to themselves, and they could not. I asked the credit card company to request the measurements from the store, and they refused. It is clear the credit card company does not want to honor its claims of supporting customers who have been cheated my merchants. The credit card company is requiring a completely disinterested third party merchant to get involved in the dispute and write a document supporting my contention. In other words, this is the credit card company 's way of dismissing the dispute and leaving the cardholder hanging with an unfair and unjust charge.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One Bank USA NA is reporting on all XXXX credit bureaus under my name. I am XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX. I previously resided at XXXX XXXX XXXX, XXXX, XXXX XXXX. The person who opened up this account in my name, using my SSN has been identified by the XXXX XXXX and XXXX XXXX XXXX XXXX has XXXX XXXX XXXX of XXXXXXXX. I have informed this credit card company that I 'm a victim of identity theft and that this account was opened fraudulently in my name. They have in turn sent me a letter stating that I did in fact submit an unsolicited on-line application for this credit card on XXXX XXXX, 2016 and that I live at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX The letter says that I submitted this application using my name, DOB, and SSN but at this XXXX, XXXX address. I have never lived in XXXX, XXXX, and have never stepped foot in the state of XXXX XXXX XXXX XXXX lives at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and has previous applied for and obtained a XXXX XXXX of XXXX and a XXXX XXXX in my name using this address. I have since gotten the XXXX XXXX and XXXX XXXX removed from my credit report as fraudulent accounts. However Capitol One Bank refuses to remove this fraudulent account from my credit report. It is ruining my credit and I have no way of getting the person who has stolen my identity to stop using it.
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (CA)

I have been repeatedly contacted by South West Credit Collections and disputing the debt as not mine do to identity theft. Every time that I have spoken to South West Credit Collections, I have verified with them that the debt is not mine, the information that they have in their files is incorrect, they have no social security number associated and the address they have The XXXX CA XXXX is not an address I have ever lived at or been associated with. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. 
In XX/XX/XXXX, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. 
I have been repeatedly disputing the South West Credit Collections account. This is not my accounts. 
I have spoken to XXXX XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. 
In fact, The information that South West Credit Collections has is inaccurate, South West Credit Collections has confirmed that NO Social Security was used and the address for the alleged account is an address I have never lived at and an address I have never been associated with. 
However, that being said, South West Credit Collections reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted South West Credit Collections on XX/XX/XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them this is not an address I have ever lived at or been associated with and South West Credit Collections stated that NO Social Security number was given to them or XXXX. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by South West Credit Collections that they would be removing it from their files, which they never did. After speaking to South West Credit Collections on XX/XX/XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so. 

I have previously supplied copies of the police reports to Southwest Credit, but they still have not removed this bogus debt from my credit reports.
Consumer complaint received 2016-08-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I checked my checking bank account transaction history on XX/XX/XXXX and identified 17 suspicious {$20.00} charges to a XXXX reloadable gift card dating back to XX/XX/XXXX with the last one occurring on XX/XX/XXXX. I called Citibank to inform them of these suspicious charges and informed Citibank that I do not have a XXXX reloadable gift card and I did not make XXXX individual charges within a 1-2 month span. I disputed all XXXX charges and was informed that I would receive credit back for all while the bank investigated the case. I also received a new debit card and Citibank canceled the debit card in my possession due to it potentially being compromised. One week later, I noticed that I had only received credit for XXXX of the XXXX charges, so I emailed then called Citibank. I was told that XXXX of the charges were disputed but only XXXX were credited so far, and Citibank credited the XXXX other charges they told me had not been disputed. However, I received a letter indicating the XXXX that were disputed. So there are conflicting messages being told to me and, at this point, I have received credit for XXXX of the XXXX disputed charges. Beyond the annoyance of having to track and manage this issue on my own because Citibank got it wrong the first time, I fear their fraud detection and case management processes and/or people are proving ineffective.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2016-08-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX Dear Consumer Financial Protection, I am filing a complaint about what Wells Fargo has done to me and many others like me. They set me up to be scammed. So here is the information and if you send me your email address, I can give you all other data of how it started with me consistently contacting American Servicing Company for months with no reply or answer to my issues even though I was not behind in my mortgage. 
All of a sudden each XXXX, I had to pay an extra XXXX. I called to get clarification ; they listened, but no reply. They required that I had to pay XXXX insurances on the property ; I questioned them about that because in all the years of living here this was the first time XXXX insurances on XXXX piece of property. Suddenly, a letter arrives telling me I had to pay for the second insurance monthly. I called asking for clarification ; nothing. I started calling for loan modification nonstop until I was told it was my fault that I did not keep after them, but I did. 
Suddenly, after I hung up on that last call, a XXXX named XXXX XXXX arrives at my home asking me did I need assistance on anything about my property. I told him how I contacted American Servicing Company with all my issues, with no results from them. He told me I can get loan modification if I get behind on my mortgage. In reflection, it seemed this was set up by American Servicing Company. 
From that moment the scam happened. All my issues were solved so I could trust the person to assist me that Wells Fargo did nothing to assist me. I got XXXX loan modifications and Wells Fargo dismissed them based upon XXXX lies : I did not pay my house taxes and I, a celibate man, was married and my wife put a XXXX lean on the property. I could not sue Wells Fargo because all was done by word of mouth ; however, I had to have a notary witness my signature to send to Wells Fargo that I spoke the truth. 
Wells Fargo is going after seniors, families and XXXX to make them homeless consistently. 
I am filing this complaint against them for what they have done to me XXXX for 50 years who served XXXX with all my heart and soul. 
Respectfully
Consumer complaint received 2016-08-30
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Clark County Collection Service (NV)

My wife, XXXX XXXX, received a loan from XXXX in XXXX XXXX, NV some time back perhaps XXXX. She was the only signer on the contract. When she defaulted, her account was turned over to Clark County Collection Agency and they also tried to collect from me. Although I have disputed this on several occasions, it still shows up on my credit report as a " joint account '' and that I owe {$990.00}. I have contacted Clark County Collection Agency and so has my wife to let them know I was not on the account and have disputed it with XXXX and XXXX. XXXX has failed to remove this disputed debt that I never owed and Clark County Collection Agency most recently reported this again in XXXX of XXXX ; therefore, I was unable to obtain a home refinance on my house which would have saved me XXXX dollars in bill payments each month. I actually have an account in good standing with XXXX and they wo n't do anything about it either : Last Reported XXXX XXXX, XXXX Collection Agency CC COLL SVC Original Creditor XXXX XXXX Status Open Opened Date XXXX Closed Date -- Responsibility Joint Balance {$990.00} High Balance {$2100.00} Please help, my wife has paid the amount she agreed to on this and Clark County Collections still wo n't remove. 

Thanks.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account adjustment 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 XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-27
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NJ)

My fiance and I go to td bank on XXXX in XXXX NJ every week. It seems like every week we have an issue and it never gets any better. The store management along with the store employees need to have a serious talk about the way they treat us customers. Today we go I there XXXX and we have to wait as usual. The wait is constantly never ending it feels. After waiting for already 20 minutes another couple comes in and waits as well. The guy XXXX comes right over and asked if any one needs a notary. My fiance tells him yes we need an endorsement release. XXXX says " one of the ladies can do that for you. '' And then asked if the other people who JUST walked in would join him at the table. I felt totally neglected once again by td bank.
Consumer complaint received 2016-08-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

Fidelity Creditors has not done the required due diligence in collecting valid notarized documents from their client business XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information to the credit bureaus. Thus Fidelity Creditors is guilty and libel of defamation and harassment towards me by using fraudulent documents to negatively impact my credit report. Also, Fidelity Creditors is sharing my personal information with other people and businesses without my permission and have thus compromised the security of my identity and put my personal well-being at risk.
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XXXX XXXX - XXXX XXXX, 2018 I purchased {$300.00} in Litecoin from Coinbase using my bank account. My transaction has been pending for the last 9 days. 

Details : {$300.00} to purchase Litecoin @ {$280.00} I have sent Coinbase an email directly and contacted them through XXXX. 
My case # is : XXXX
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT CONCEPTS, INC. (NV)

My bankruptcy case # is XXXX Oder of discharge is XXXX/XXXX/XXXX Name of debt company is credit concepts out of XXXX, Oregon I filed chapter XXXX last XXXX, & everything went good, got rid of a lot of debt..I 've been doing good about building my credit score, doing everything right. 
.well today one of the accounts that I included in bankruptcy came back on my credit report today, saying account open, $ with a high balance.. 
Before, it would say. Account closed/ paid/ and that it was discharged under chapter XXXX 

I was getting close to having a XXXX credit score, & today it dropped XXXX points because of it!! 
I filed a dispute, does anyone know what else I can do?? 
Sorry this post is so long, any advice would be greatly appreciated, THANKS
Consumer complaint received 2019-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (CA)

On XXXX XXXX, 2019, MoneyLion approved and sent me a personal loan of {$500.00}.  The payments were reoccurring, drafted automatically from my checking account. Because the payment were automatic, I quickly forgot about it. 

On XXXX XXXX, 2019, a 30-day late/delinquent account appeared on my credit report and it was from MoneyLion. Due to a recent change from my bank, the payments were no longer going through. 

However, if you were to check the phone application, it states that Im still on track for paying my loan. There is no indication that the loan is late. 

There was no notification that my payments werent going through. I was not contacted once. To make sure, I checked my email, the application on my phone, any missed calls/voicemails, text messages, or physical mail ; no correspondence was received in regards to the potentially negative credit reporting that was about to occur. Rather, I was being sent promotional emails. 

Part of the problem was my fault ; not checking if the payments were going through. However, I was mislead by their phone application, saying that I was still on track to paying my loan. I thought everything was still okay. 

I tried to remedy the problem by just paying all the loan at once. When submitting my payment, the application glitched and my payment did not go through. Multiple error messages would appear. I tried three other payment sources from three different banks, and I would still receive an error. 

I then called MoneyLion, or at least attempted to. I spent half the day trying to reach someone about this urgent matter ; all my calls were eventually dropped. The longest I waited was 40 minutes, only for my call to be dropped. 

Finally, I submitted an email to their support team, only to be given a generic automatic reply saying I can check my loan status on the app, which was not helpful. 

I still need to pay the loan, and another potentially negative mark might appear on my credit report. 

Working with MoneyLion is incredibly frustrating, especially when its almost impossible to pay off a loan. 

Proof will be attached with this complaint.
Consumer complaint received 2019-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (TX)

To whom it may concern : Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the XXXX XXXX XXXX XXXX XXXX XXXX.

The following company does not have a surety bond on file with the XXXX of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail ( received by them on XXXX XX/XX/2019 ) that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. 

IC Systems XXXX XXXX XXXX XXXX XXXX, MN. XXXX Should further information regarding this issue be required, please let me know.
Consumer complaint received 2018-11-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

I opened an account with Amplify Funding in XXXX, 2018 for {$850.00}. I don't believe I received the actual interest rate until after I signed, but now see that it's XXXX  %!!! For an {$850.00} loan, they want me to repay {$3100.00} back! I have made the first payment via ACH from my checking account, but feel I should not have to pay back at a XXXX % interest rate, which seems like loan sharking.