davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-06
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: Experian Information Solutions Inc. (RI)

Account was opened XXXX of XXXX. At the time my credit was checked and I was approved for the department store card. 

In XXXX of XXXX, upon closer examination of my statement, I noticed my credit line had decreased. I had received no notification of any issue. My account is in excellent standing. I phoned the provider and they stated they had no idea why my credit line had decreased and they reinstated my original credit line. 

Yesterday, while looking at my account, I noticed, yet again that my credit line had decreased. Again, no notice, no call ; no idea why. Account had a XXXX balance and excellent standing. 

I phoned the account holder today after not getting an explanation from an email the yesterday. According to the " Account Manager '' that I spoke with - XXXX has the right to periodically check my credit score from all three reporting agencies ( XXXX ; XXXX  and Experian ) and apparently are also getting credit updates on a regular basis from all three credit reporting bureaus when ever something changes on my credit report!! I never gave any permission for any company to constantly monitor my credit..and I know this is not legal. She stated that they had sent a letter on the XXXX of XXXX. I have received nothing. She also stated they mailed letters back in XXXX ( however when I checked in XXXX the Customer Service Rep I spoke with at the time told me she didn't see any letters going out ) when I brought up this had happened before, and I had never received any letter. I asked that the letter be e-mailed to me along with any documents that they state " allow '' them to monitor and get updates on my credit. She stated that she can not e-mail them and that she needs to mail them. She would not give me any reason why this has occured. 

I never gave XXXX ( XXXX XXXX  ) permission to " monitor '' my credit reports from the three major credit reporting agencies. 

I have paid off the card in question and have closed the account. I have asked that my banking information be deleted from their system and I have also requested confirmation, which I have not received. 

This is a muli-issue complaint.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I contacted Equifax on XX/XX/XXXX and XX/XX/XXXX on two accounts that have been paid, Equifax have been refusing to correct the information. I asked Equifax if they could change the payment status to paid rather than for it to say late. I provided them with all the information to prove that these accounts were paid and no longer late, they still refused.
Consumer complaint received 2018-03-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX My Representative from the HR company in my Corporate office received a Call from a Carrier looking for me Named XXXX XXXX from XXXX XXXX XXXX. XXXX XXXX told my HR Rep that she had documents from the court and had an old address and needed my new one. My HR rep told her she would let me know and give me the information number XXXX and reference number XXXX. I called the number XXXX that XXXX XXXX left with my HR Rep and a Guy Answered by saying " Hi, how may I help you '' not once did he say name of the company or the whole speech about the call being monitored. He told me his name was XXXX XXXX and he is representing GE Bank and Walmart on a card that was opened in XX/XX/XXXX and now a complaint is filed against me. He gave me my address which was correct, my DOB and the last four of my Social. He said that the last payment that was made was in XX/XX/XXXX. And that now I owe {$2900.00} not the original {$1000.00} since interest and fee are added and that he sent me a payment plan letter in the mail. Which I have never received. He wanted me to pay on spot or he said my Employer would be served. So I told him I would call back on XX/XX/XXXX so about an hour after I talked to him My Dad called me to tell me a XXXX XXXX Left a message on his machine saying she had papers to serve me with that a complaint was filed against me and that she has already talked to my employer. I told my Dad to save the message. Then I get a call from a private caller and they left a message it was XXXX XXXX telling me the same thing she told my Dad and my Employer so She called my Employer first to tell them information, then my Dad, then me last. Well I called back the number XXXX to see if I could get a company name, a girl answered but did not say name so I hung up. A minute later I got a call from a Private caller, it was XXXX XXXX he left a message saying that someone said I called and wondered if I had a questions to call him back at XXXX. So like I promised I called XXXX XXXX back at XXXX on XX/XX/XXXX and I brought up the Statue of Limitations and he said now the last payment was made in XX/XX/XXXX. So I told him that is incorrect and I told him the laws were broken by his carrier. So he said that if I do not resolve this then my employer would be served and they will need to release my paycheck documents because they will garnish my wages, I told him this was a scam and hung up. I waited 10 min and called back hoping to get a business name and a woman answered and told me the name of the business was " XXXX XXXX XXXX ''. Laws have been broken my privacy has been violated and I am thinking of talking to an attorney about this. My Employer was concerned for me, My Dad was Concerned for me. This is Harassment, Illegal, and my Privacy has been violated.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

I sent a letter of Validation on XX/XX/XXXX I have not received any response from this company. I have attached the certified letter that they received on XX/XX/XXXX. I also fax and e-mailed this company the same letter that is attached with still no response. This company should not be allowed to report information on my husband and my credit that has not been validated.
Consumer complaint received 2018-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

I have an account on Coinbase.com owned by Coinbase Inc. 
I transferred XXXX BTC into my coinbase BTC wallet on the date XX/XX/2017 checking the transaction on the block chain confirms the transaction has been done successfully using Address : XXXX XXXX XXXX   XXXX but the BTC has not appeared on my account yet. 

I have filed a complaint ticket through coinbase support system Case # XXXX They have failed to resolve the issue as of today. 
On the phone they only let me know that this account has indeed been hacked. 
They have not given me any time frame as to when and how this issue will be resolve. 

Coinbase has put me on sever financial strain and stress over the past 2.5 months Regards, XXXX XXXX XXXX
Consumer complaint received 2018-11-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

A representative from the XXXX called me at work and said I have until XX/XX/XXXX to pay {$370.00} settlement my payday loan. I told them I dont have money and they said if I dont call tomorrow before 3 they will proceed to take legal action, but I tolk my loan out with ace cash express and its a collection company trying to scare me to pay please help i want to pay it off but I dont know what to do. The company is called XXXX
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc. (TX)

Received a phone call from an alleged ( Pro collect ) XXXX or XXXX credit debt collection agency regarding an apartment that was rented, which the operator ( XXXX XXXX and XXXX XXXX ) stated we still owed {$1000.00}, to which we have never received a bill or contact from the Latitude Apartments XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. On XX/XX/XXXX we turned a 60 day notification and asked if we would be able to move out by XX/XX/XXXX, we were told yes they were unable to find our lease, so we proceeded. We turned in the keys and left a clean apartment on XX/XX/XXXX, after that we proceeded to call the apartments on several occasions, to ask if we owed anything we were told no. We proceeded to leave our forward information for any future questions, still not receiving any bill. The collection agency has been a nightmare, very rude staff, and unable to help us resolve this mistake, continually threating to ruin our credit.
Consumer complaint received 2018-03-01
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. (MD)

I am in the process of getting a mortgage refinanced. 

I have seen my credit reports from Equifax, XXXX and XXXX. 

XXXX  has information that is not true. They clain deliquincy, balnce of credit relative to available credit is too high, number of accounts with deliquency is too high, etc. 

None of that information is accurate. These are all lies.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citi Bank closed my online account with no notice to me at all. When I went online to pay my bill, the user name and password I have used for years was suddenly not active. It asked me to set up another online account, and the account log-in name was available, so my history and online profile was completely deleted. I called the company to discuss why and they could not give me an answer as to why. I am concerned that all my history and information is no longer available to me and this seems to be a very concerning issue related to online fraud. I would like them to investigate but they did not at all seem concerned with the matter.
Consumer complaint received 2018-12-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I have an account with over $ XXXX with XXXX XXXX  XXXX. 
I tried to transfer the funds out of XXXX to XXXX. I attempted this online but was advised that transfers above $ XXXX require a phone call. 
I called at XXXX PST to request the transfer. The agent took my information and said she submitted the request. 

I checked at XXXX pst and the transfer has not been scheduled. A XXXX  agent advises that it make take 1-3 business days for an outgoing transfer. 

I find this to be unacceptable. Neither XXXX or XXXX have this type of delay.
Consumer complaint received 2018-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (MA)

I initially attempted to apply for a personal loan for me and my wife through Avant. We submitted information under her name since Avant did not allow joint applications, and when we got to the end of the application it was asking to verify banking information. We attempted several times to verify the information to finalize the loan but we were getting error reports form the Avant website, and was eventually informed they could not process the request. This all started on XX/XX/XXXX. At this point we moved on to another company for our lending needs since the Avant website informed us they could not process our loan. on XX/XX/XXXX I got an email stating my loan had been approved through Avant and on XX/XX/XXXX {$9400.00} had been deposited to my checking account. I did not have time between XX/XX/XXXX and XX/XX/XXXX to stop the loan since I hadn't even checked me email that day due to personal things going on. I immediately submitted payment for the entire deposited amount on the same day, XX/XX/XXXX, and sent a request to Avant to cancel and/or refund the remaining fees that were about {$1000.00} since this loan was finalized by an error on their website. Over the next several weeks I had been in communication with Avant and they continued to tell me that the terms were clearly stated when I signed up for the loan and that I was responsible for the remaining pay-off amount despite the technical error on their part. There was a period of greater than one week between one request I made and their response. They made no attempt to rectify this issue, but only to point blame at me because of the terms I agreed to. I explained multiple times that I knew the terms and I was more than happy to move forward until their website informed me that they could not move forward with my request. I was simply seeking the remaining amount due on my loan be removed, even after I have already made a payment of over {$400.00} for nothing. I do not feel I should be out almost {$1000.00} dollars as a consumer for a technical error on a companies website. I received my final communication from them was on XX/XX/XXXX stating that again the terms of the loan were clear and that it was my responsibility to pay off all the fees associated with the loan even though it was a technical error and returned the deposited funds the same day from the loan.
Consumer complaint received 2018-03-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

Hello, I am writing this as I am writing a complaint about my private student loans from Navient. I have paid my loans on time for 5 years straight without seeing any type of impacting decrease in the repayment. I have asked to lower my interest rates that are ridiculously high and have been told no over and over. I have asked to be on a income driven repayment plan along with just paying interest and I have also been told no. 





I asked to have my loan payments be adjusted for a longer length of time to have my payments lowered and Navient has once again told me no. They have left me with no other alternatives but to only pay what I can each month. They have now affected my credit greatly and have refused every opportunity that I have asked them to help me with my situation. I have had to file for bankruptcy last year and they are still relentless on letting up on their repayment tactics. I am issuing this complaint in writing as I have no other alternative. 




Thank you, XXXX XXXX
Consumer complaint received 2018-03-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Card Acquisitions Group (TX)

A XXXX XXXX from Foster and Monroe called myself, my place of employment, my spouse, my daughter and my mother to attempt to collect an unvalidated payday loan debt from XX/XX/2014. When calling my daughter, the agent on the phone, Ms. XXXX, told my daughter that " she should care because it will effect her, '' and they could, " take her house. '' They asked my daughter to verify my date of birth, as well as my social security number, which my daughter declined. In contacting my mother, the caller listed my date of birth and my spouses date of birth, and saying there was " a complaint against '' me and my spouse " in her office. The caller left a message stating that my mother needed to contact them directly, or have her attorney contact him. When I contacted them upon hearing their message, I spoke with a XXXX. I told XXXX that I wished for my family and my employer to no longer be contacted, and he told me that my daughter would not be contacted further. In addition, XXXX told me that since the alleged payday loan was with a tribal community, that Federal Debt Collection Practices did not apply. He asked repeatedly to confirm confidential information, which I declined. When I asked if his company was a debt collector or a law firm, he said they were " paralegals '' and that they just " handled the paperwork. '' Upon researching, this is a gross distortion of the this company 's business.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

In XX/XX/XXXX I went through a divorce and applied for a loan modification through Bank of America. They required my ex-spouses signature on the application in addition to the quit claim deed and divorce court order. It came to my attention this XX/XX/XXXX that I have not been receiving mortgage statements from B of A and I did not receive my interest statement for tax filing purposes. I called B of A and was told that my former spouse called them in XX/XX/XXXX and requested an address change. When I asked them how they could change an address and not inform me I was told that he is the primary on the loan and they had no obligation to inform me. As a result of the change of address B of A discontinued mailings to me. Therefore I was unaware of an increase of XXXX in my mortgage and was issued a late fee. I have made several requests for XXXX XXXX to be removed from the loan and have been told I must go through assumptions and re-qualify and pay approximately {$1500.00} for this process. I believe I am and was discriminated against as a female in the application process as I was gainfully employed at the time of the modification and thought I was assuming the loan at that time. I do not understand why XXXX XXXX, who was was divorced from had to stay on the loan.
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

I received a notice from XXXX XXXX concerning a bill of {$400.00} that I supposedly owed to XXXX XXXX. I do not have an account with XXXX XXXX. When I contacted my local XXXX XXXX store in XXXX XXXX Indiana they told me that I had no outstanding debt. I do not understand why this company is sending me this letter I do not owe any money. I feel like this is A fraudulent letter.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (VA)

I discovered that the interest rate on our Citibank credit card was increased to 24.74 %. I called and inquired why this happened. Citi 's representative said that we paid 10 days after the due date in XX/XX/XXXX ; it's now XX/XX/XXXX. We've had this card for several years and have never been late prior to or after this single occurrence. Our credit bureau is also spotless, no late pays anywhere. Again, this happened over 13 months ago with no late pays recorded. Citibank said we " were not yet eligible '' for a rate decrease. I've now paid the account to a XXXX balance. This seems predatory. I say this because our credit limit was increased around the same time the rate was -- we are such a credit risk that they increase or limit.
Consumer complaint received 2018-03-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC. (TX)

I had been using XXXX XXXX to monitor my credit. I received a notice that a collection account was added to XXXX. I filed a dispute because the account was charged off years ago. XXXX completed their investigation and removed the report on XX/XX/XXXX. It had not shown on the other credit reporting agencies until later. I assumed this was taken care of when I received notice from XXXX. I did not dispute this with the other two agencies. At the time I was applying for a home loan and had been preapproved because none of these had shown up. When my loan officer pulled my credit the accounts showed in dispute which FHA will not accept. I contacted Equifax on the XXXX and told them I wasn't disputing the account any longer. I was told it would be removed within 48 hours. I could not get ahold of XXXX until I signed up for their service online ( which should also be a complaint ) XXXX  removed the remark immediately after I spoke with them and sent me notice of that. My loan officer pulled the credit reports the next week assuming they were fixed. Equifax has still not corrected my report. I called them again today and they assured me it would be done right away but I still have not received confirmation from them. I asked them to simply send me a document stating that I had asked them to remove the dispute because the loan officer can work with that and they will not even do that. This is not right for the credit bureaus to allow a collection agency to purchase old debt information that has already been charged off and you have already been punished for and suddenly just throw it onto your credit report. Then to be punished again when you try to straighten this out. None of that is right, however, my main complaint at this point is that Equifax is not removing the dispute that I never asked them to do and will not even give me a document saying that I asked to have this removed.
Consumer complaint received 2018-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc. (NC)

A collection agency, for an amount I have no knowledge of and never had knowledge of, fraudulently inserted a derogatory notation in an attempt to extort money. I called the underlying entity the collection agency claimed the debt to be from and they have no knowledge of debt in my name. At any rate, I was never notified of a debt nor was I ever given a chance to review it - which is a requirement of law. The actions by the collection agency are extremely illegal. 

The collection agency must remove any derogatory information from my file, otherwise I will sue them in federal court.