davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX my Macy 's credit card information was stolen from a Macy 's store in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. Fraudulent charges were made of {$200.00}, {$210.00} and {$56.00}. Totaling {$470.00} in fraudulent charges. I found out about the fraudulent charges as I am registered to receive invoices/receipts via email. Upon discovery, I called Macy 's to report these charges and to close the credit card account to prevent this from happening again. The representative informed me that if I closed the account I would have to go through the approval process to to open a new account. I informed her that I did n't care and all I wanted was to close the account to prevent future fraudulent charges. She finally confirmed to me that it was closed and an investigation case was started. The case # she gave was XXXX. In addition, the representative informed me that I needed to complete a statement of fraud, which I did and faxed on XXXX XXXX. Since then, I have called them three times and the representatives have informed me that the case is still under investigation. In addition, they have confirmed to me that the account appears closed. On XXXX XXXX, more fraudulent charges were made to the account totaling {$84.00}. I was under the impression that my account was closed. When I called again, the representative informed me that someone within the company decided to reopen the account. Coincidentally new fraudulent charges were made to the account. The company was not able to explain how this happened. Especially an account that is already under investigation for fraudulent charges. I am so tired of dealing with these issues and do n't know what to do anymore. I feel helpless as no one at Macy 's is able to help with this matter. This is all too shady and unethical on Macy 's part. I really hope this sheds some light on Macy 's credit card practices as what they are doing is not right.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

There is a collection from XXXX on my file for {$2200.00}. This bill is not reported correctly. There where XXXX people signed to this lease with all of SSN and any addiontal information they needed to give us this place to live yet under the terms Responsabilities it states Individual which clearly is inaccurate. that would mean we should be splitting this amount XXXX ways which should be {$560.00} individually. I 'm afraid this creditor is trying to report for payment from all XXXX individuals at the amount of {$2200.00}. If we all paid that the creditor could make up to {$9100.00} dollars. This is incorrect and something needs to be done. They wo n't respond to me
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber (CA)

In XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX I went to the hospital ER room for an illness. However from the paper work that was shown to me by the hospital and verified by contacting their accounting department was advised they had the inaccurate address on my file. 

The address they had was my address from XX/XX/XXXXwhen I was their for XXXX and was placed into the system by the file on their records. When contacting was advised that it was a hospital records XX/XX/XXXX error due to the insurance card they had on file during my visit listed my new address. 

No letters were sent to my new address however notices were sent to the old address which I havent resided at in over 10 years and was placed on collections. Contacted collection company XX/XX/XXXX and they advised that it was still my fault even if hospital had wrong address. 

Contacted hospital again XX/XX/XXXX advised balances owed was XXXX yet collections company wanted XXXX due to late charges even though hospital accounting staff verified insurance card had new address but all notification was sent to old address.
Consumer complaint received 2017-09-14
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MN)

Our US Bank Line of Credit is showing up on our report as if we pay it late. When in fact we have NOT used that account in several years. What happened is in late XXXX US Bank had a security breach where someone got into our US Bank checking/savings account and performed fraudulent transactions. Since the bank did not catch it ... they took it upon themselves to use the line of credit to cover the money/purchases that was being stolen. We called them multiple times when we noticed the money coming out of our checking/savings account and also let them know they should not be using the " inactive '' line of credit to cover these unauthorized charges that were a breach of their system. Once they took it upon themselves to use the line of credit to cover unauthorized transactions, they would then charge us interest on that line. It took weeks for them to reconcile the unauthorized charges and correct their inappropriate use of our line of credit to cover those transactions. It was known that we would not make payments to that line of credit because WE did not utilize the line of credit and wanted to make sure they corrected every transaction and were not attempting to charge us interest on the line of credit to cover the fraudulent checking/savings account transactions. It appears the bank did not record these weeks of conversations in their system because they are showing up on our credit report as if we made late payments to our line of credit. When in fact it was their delay in researching the fraud and correcting the balance amounts across the checking/savings account and the line of credit. 

This US Bank Line of Credit mark on our credit needs to be corrected. If you research the transaction history you can see we had not used that line of credit for years and their should be a record of the fraudulent activity on our checking/savings account that show that US Bank ( not us ) accessed the line of credit so any late " payment '' to that account was their late payment ... no ours because we did not use the line of credit and did not do the transactions that bank tried to cover with our line.
Consumer complaint received 2017-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

In anticipation for Hurricane Irma to hit our community and to have the cash needed to make repairs and make payroll we liquidated our Coinbase accounts ( four transactions on the same day totaling to approximately just over {$6300.00} ) on XX/XX/XXXX with a delivery date provided by Coinbase of XX/XX/XXXX. 

The account has been verified by Coinbase for months had same day debits from Coinbase when making purchases in the past as recently as XX/XX/XXXX, yet Coinbase has not been able to deliver a credit for over a week. 

As the money was not there on XX/XX/XXXX, support tickets were opened with Coinbase, messages were sent via XXXX to the payment support team, and private messages were sent to moderators on the Coinbase subreddit who are marked as Coinbase employees. 

The transaction history within Coinbase shows an ACH transfer date of XX/XX/XXXX. Reaching out to XXXX XXXX XXXX they have zero record on their end of any transaction processing. Having worked as XXXX on the data acquisition team for XXXX ( XXXX XXXX XXXX XXXX ), there is a familiarity with the ACH process and transfer times. Coinbase 's timeline appears to yield discrepancies in regards to generally accepted processing times. 

Coinbase 's response has been a single email of " ... we are aware of the issue ''. Looking to support forums for help this appears to be a recent issue with Coinbase, which could indicate a liquidity crunch.
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company (CA)

Changing date of debt and falsely reporting as a new debt each year. Two times they were asked to remove negative information on my credit due to original debt being over seven years old. Both times they changed the dates of the debt to claim it was still current.
Consumer complaint received 2015-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IL)

I refinanced my previous loan with One Main Financial back in XXXX & I lost my job at the end of XXXX. I had been at my job for almost 5yrs. I had a payment due in XXXX & I immediately start receiving calls & I stated my situation but the calls persisted. While trying to obtain other employment, I was open & honest about my findings nut the calls got more frequently. I 've talked to several employees there but they started to get very unprofessional with their tone of voice, tactics & eventually threatened to sue plus continue to call. I 've gotten XXXX calls in XXXX day leaving messages & getting calls from different numbers at all times of the day & well into the late night harassing me. I answered strange numbers thinking it was an employer contacting me about a job & it turns out being them. I had just received a call from an unfamiliar number & it was them calling me stating I was n't being financially responsible, insisting on me selling my household items to pay them by tomorrow or they was threatening to sue. This type of behavior is uncalled for, irritating & very frustrating when I 'm putting forth every effort to find employment so I can take care of my financial responsibilities.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I sent a certified letter to all XXXX credit agencies about deleting hard inquiries. Several hard inquiries on my reports were not requested by me. TransUnion, XXXX and XXXX are refusing to delete them. There are only a few inquiries on my report that are legit inquiries. Please remove the information off my report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

l am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself. 

COMPANY : Contract Callers, I Balance {$940.00} SSN : XXXX DOB : XX/XX/year>XXXX   Name : XXXX XXXX COMPANY : XXXX XXXX XXXX  Balance : {$10000.00} SSN : XXXX DOB : XX/XX/year>XXXX   Name : XXXX XXXX
Consumer complaint received 2016-09-12
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: GEORGE MASON MORTGAGE, LLC (VA)

It is widely known in XXXX, Virginia that a Loan Officer by the name of XXXX XXXX spends an inordinate amount of money on realtors and builders on sporting events, fishing charters, etc. There is an undue influence on those individuals to either refer business to him or it ( appears ) is a reward for business sent. This flies in the face of the very reason the CFPB was created. This has been going on for a few years. The community thought his days of this behavior would be curtailed with the CFPB 's visibility and reports of corruption being reduced with heavy fines, etc. However, we 're now under the impression that his " marketing '' is allowable because he continues to flaunt his kickbacks even more. I 'd like to know if what he is doing is permissible or illegal so that competition can be leveled. I happen to be of the opinion that it is not only illegal, but unethical and reprehensible. If, for some reason, his " marketing '' is permitted, we can all benefit from being able to practice the same way.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX center removed XXXX collection accounts but it is back on my credit report. Those XXXX accounts should have never been on my credit report. I had insurance at the time and I was not there on the day they claim.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made several attempts to contact Transition to request that they remove duplicate information from my credit report. They are reporting XXXX sets of derogatory information from XXXX XXXX and XXXX XXXX. They are the same account and it should only be listed once. The XXXX negative listings is having a negative effect on my credit score.
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (HI)

I filed a complaint with you about Nationstar, this year, requesting that they give me the loan modification that would allow me to keep my property and stop the foreclosure that was in the XXXX, Hawaii court system. They did " satisfy '' the complaint by responding with a " loan modification '', higher than the original mortgage amount, and a trial period of XXXX months, that, if satisfied, would stop the foreclosure. The original mortgage for the loan was {$1200.00} and the trial loan modification was set at {$1200.00}. Nationstar said that the amount owed was now too high for a lower mortgage. Now the permanent loan modification is {$2000.00}. 
With the trial loan modification the new mortgage was higher than the XXXX they modified. The interestrate was also not lowered, but made higher. After the successful trial period- from XXXX 2015 to XXXX 2015 -The permanent loan modification- offered in XXXX 2015 with an even higher mortgage amount- $ XXXX was adjusted from trial period to include an escrow account, an additional {$81.00}. In XXXX 2015 an additional escrow amount of over {$670.00} was added to the {$1300.00} to equal {$2000.00}, which they are asking for on XXXX XXXX, 2015. 
Now, with the " loan modification '', Nationstar has not been fair in making it unaffordable to keep the property. I believe that the foreclosure was not done legally and that Nationstar was not prompt in offering me a " loan modification '' which was in process for XXXX XXXX years as they denied me more than once and continued to ask for more documents in an untimely fashion, as the foreclosure proceeded and the delinquent amount increased. There is a strong possibility that what they have done is illegal. They have added the possibly " illegal foreclosure '' fees, accruing delinquent amount, and escrow to my loan and all with a higher interest rate.
Consumer complaint received 2017-01-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I have a car loan through Schools First Federal Credit Union and have had difficulty dealing with them in terms of receiving billing statements and written communication about the status of my account. In addition, they have given me misleading information over the phone which has led to the placement of my vehicle into " repossession '' status. I also have attempted to rectify the payment issues and have made several calls to their customer service department, but the representatives are not helpful and appear to be determined to repossess the car regardless of my attempts to bring the account current. 
I use the car to get to work and depend on the car as my sole form of transportation. I also utilize the vehicle for advertising purposes for a travel agency business and the vehicle currently has a " wrap '' for XXXX on it because I also use this vehicle to advertise for the travel business. The actions of School First Credit Union have caused me a great deal of XXXX frustration and my requests that they communicate with me through mail and written statements have been ignored. When speaking with their phone representative XX/XX/XXXX, I specifically asked when I needed to send in a payment, and was assured that if I mailed a payment in before XX/XX/XXXX, that it would be credited before the 60-day late period. I also mailed a payment to them on XX/XX/XXXX which would have put my account within the 30-day late period if they had accepted these two payments. I am anticipating bringing the account current right away but because they will not accept my payments or honor what they indicated to me on the phone, I am unable to do so. This has caused a great deal of emotional distress and places my ability to work into jeopardy. 
In addition, my parents are both deceased and I am divorced and have no other source of financial assistance.
Consumer complaint received 2016-12-20
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK (PA)

Discover Bank had frozen all my accounts on XX/XX/2016. I understand that the bank could have legitimate reason to freeze accounts, but it has also a duty to notify an account holder. It has not been done timely in my case. I was unable to use my accounts until XX/XX/2016, because the department who placed a hold on my accounts was closed over the weekend. What was most appalling about the way the situation was handled that while on XX/XX/2016, the bank representative was apologetic for not notifying me, on XX/XX/2016, the bank representatives, one after another, changed their tune and started telling me that they had called me to let me know that my accounts are being frozen. I spoke with XXXX, then with XXXX ( ID # XXXX ), and finally with Discover Bank supervisor XXXX ( ID # XXXX ). I asked XXXX to document my complaint. XXXX claimed that she has filed a complaint on my behalf and gave me conformation # XXXX. Further, XXXX stated that she will be investigating my complaint and will credit {$50.00} to my account ending in XXXX if she finds that Discover Bank has failed to notify me by calling my phone number ending in XXXX. My phone registers all incoming calls, there is no record of calls made by Discover Bank. XXXX made a promise on behalf on the Discover bank and such bilateral promise is legally binding and enforceable in a court of law. I want Discover bank to live up to its promise and credit {$50.00} to my account ending in XXXX for inconvenience and havoc the bank caused by failing to timely notify me about its adverse action.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland Credit management is continuously updating balance owed on a debt where they already sued me for in the state of SC. Credit score keeps dropping because of their tactics. No need for them to continuously update my credit report. I think they are doing this out of spite. Recently as of XXXX my balance keeps being changed by XXXX $ a month and they are continuously attacking my credit report destroying my score after they have done everything they can to collect. I have a judgement already for this devt
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've worked hard for decades to maintain an outstanding credit rating that 's ranged right around XXXX. I take my credit report extremely seriously and always consider the impact on my score when making decisions that may have an adverse impact to my credit score, and ultimately my financial well-being. 

In XXXX of 2015 I obtained new employment which involved selling my home and moving my family. This move incurred over $ XXXX in moving expenses, all of which were reimbursed by my new employer once we were able to provide receipts evidencing the expenses incurred. In other words, the funds for my travel and relocation expenses initially came out of my savings and then were reimbursed by my new employer after the move. 

Given the safety, security and support that XXXX XXXX offers, my wife and I used our XXXX card to fund the upfront travel and relocation costs. Unfortunately, we did not realize what a detrimental impact that doing so would have on my credit scores. My score which was XXXX immediately dropped to XXXX ( XXXX point drop and below the XXXX A-Rating threshold for obtaining the best mortgage rates ). The drastic drop, I 'm told, is due to the fact that XXXX does not report a credit limit but rather reports the lifetime max that has been borrowed as the limit. In this particular case, $ XXXX was my lifetime max and thus it appears I 've maxed out my card. For this reason, my credit score has plummeted and now effectively puts me in a position where I face paying XXXX of dollars more per year on a mortgage because I no longer qualify for the best mortgage rates.
Consumer complaint received 2016-09-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY (FL)

I opened XXXX with American Express Serve card # XXXX and I saw some transactions for {$10.00} every month on my account which I do not remember this Company and to authorize them to charge my account so I called them and Serve Cst Srv Representative open disputes. However, instead of opening XXXX dispute for all charges related to this Company Serve Rep only open XXXX dispute. I called again on XXXX and I asked and different Representative opened about XXXX disputes -I did n't know what he was doing. All charges came from XXXX Company I should have only XXXX claim with disputes. On XXXX my account was closed due to filling fraudulent claims which Serve Representative cause not Me. I never filled that many claims .Serve Employee did not followed correct procedures and did not listened me when I called in XXXX with my not recognized transactions. He did not understand XXXXThese practice are unfair and abusive practices against the Customers. Therefore, I was trying to talk to with Supervisor and I was putted on hold for 1 hr and my next all called has been disconnected. by Cst Srvs ( Please see attached ) I never gave them authorization to file that many dispute claims!!! Today, I was disconnected by XXXX, XXXX, XXXX XXXX. I 'm filling this complain because no one will be accusing me for any frauds!!!!
Consumer complaint received 2016-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (TX)

I applied for a loan with QuickenLoans through their so-called " XXXX '' platform. I was quoted a rate on the first day and requested getting locked in. It took Quicken weeks to eventually tell me that I do not meet their underwriting guidelines, even though my loan rep continuously conveyed optimism that I would be approved. During those several weeks, rates climbed at unprecedented levels. I strongly suspect the decision to decline had more to do with the climbing rates and Quicken 's failure to lock in my rate.in other words, they did n't want to absorb the cost of their failure to hedge and declined me instead. 

Even if that is not the case, I lost several weeks thinking I was getting approved and was locked in. Now, with rates likely to continue to rise, I 've lost the opportunity to refi and their incompetence will cost me XXXX of dollars!