davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (NV)

I have a XXXX XXXX through Continental Finance ( XXXX XXXX ). There was a data breach at the company that caused them to want the card frozen. Unfortunately, and through no fault of my own, their computers never shut the card down and I was able to continue making purchases on it. One day, after checking my account details, I noticed purchases having been reversed. In addition, there was a 60-day delinquency being reported. 
I called Customer Service with regard to the matter, and a manager named " XXXX '' called me back the next day. He explained that, in their error, the card was never shut down as they wanted it to be. A new card had been sent to my old address and returned to them as undeliverable. XXXX assured me that all would be taken care of. They would send me a new card, to my current address, and would also remove any and all derogatory information sent to the credit bureaus. This was in XX/XX/XXXX. 
Last week, around XX/XX/XXXX, my credit monitoring notified me of another 60-day delinquent notice that had been sent to the credit bureaus. In addition, an " over the limit '' indicator was there. This, combined, caused a 70-point decrease in my score. 
I called Customer Service and they reiterated the conversation I had with XXXX in XX/XX/XXXX. It was confirmed that I had faxed in the necessary information to have the new card sent. However, I was told that they would need to confer with XXXX related to any reversal of late fees and also any removal of negative information to the credit bureaus. 
I was told XXXX would call me " right away '' but no word from him at this point. Continental Finance indicated this was their error and they would be happy to fix it.
Consumer complaint received 2023-01-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (FL)

I purchased a XXXX XXXX using Affirm to finance. The loan was fully paid over one year ago. Since the loan was paid off, I returned the XXXX XXXX under a recall from XXXX. XXXX issued a full refund of the original purchase price, but since the product was purchased through Affirm financing the refund was sent to Affirm. Affirm subsequently refunded about 20 % of the total to our checking account within a few days. I called Affirm to inquire about the remaining balance to be refunded and they informed me it would be refunded via a check in the mail within 30-days per their policy on their website. 30-days has now passed and when I call to inquire I am given no information and told to it is processing, to wait a few more days, or that they have escalated. Their outsourced call center employees either do not have the power to research what is happening or simply do not care. I have reached out to them via social media and have also gotten no information. I have made reasonable requests to them to provide me a date when the check will be mailed, to no avail. This is very bad business practice and they are holding a not insignificant amount of my money with no information. I also looked for a complaint department on their website and the link to file a complaint goes to an article with no way to file a complaint.
Consumer complaint received 2018-01-07
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: Experian Information Solutions Inc. (AZ)

Im a victim of identity theft. My XXXX XXXX XXXX XXXX credit card account # : XXXX is lost/stolen. The fraudulent charges/transactions of {$22000.00} dont belong to me and they not my charges. The following XXXX XXXX XXXX XXXX # : XXXX, balance of {$420.00} is a fraudulent and unauthorized account and dont belong to me.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

I have a Coinbase account and when I deposit money into it, it takes seconds. Trying to withdraw can take hours or days lately. Still waiting on .XXXX ( {$1400.00} ) to arrive the account I transferred it to. Coinbase said it only takes minutes for transactions, sure, if you are putting money in.

I contacted Coinbase and was told there was just a backlog ... but its costing consumers like myself a lot of money. As soon as this transfer is complete I will be closing account.

Hopefully someone will investigate Coinbase.
Consumer complaint received 2018-01-07
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. (IL)

I recently sent paperwork from a creditor stating they would delete a account because it has been satisfied .... two out of three credit bureaus complied I AM ASKING TRANSUNION COMPLIES AS WELL and again am resubmitting the letter
Consumer complaint received 2018-01-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (RI)

I purchased a {$200.00} American Express gift card from the XXXX at XXXX XXXX XXXX XXXX, XXXX, RI on XX/XX/XXXX. I used the card normally for in person purchases. It remained in my possession in my wallet except when it was being used for purchases. On XX/XX/XXXX, two fraudulent purchases were made over the internet using my card totally {$130.00} ( two charges to XXXX @ {$19.00} and {$120.00} ). I noticed these charges on XX/XX/XXXX when checking the card 's balance on the American Express website. This check of an older card was done because I had fraudulent charges on another card - I went back and checked all of my older cards. I immediately called American Express to report the fraud. The agent stated that American Express is not responsible for any charges that occur before a problem with the card is reported. He took my information and said that American Express would investigate and get back to me. It has been a month and I have n't been contacted.
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

Home Point Financial has failed to credit my principal and interest payment for XX/XX/XXXX and XX/XX/2018 for my home mortgage. The payment was made in full and they have returned it. They indicated that it did not include a portion for escrow payment. However, they have previously recognized that the escrow payment requirement is specifically excluded in my loan closing documents. They still are refusing payment without it and have failed to respond to written correspondence.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

They are holding my funds hostage while not responding to multiple tickets and do n't allow phone support. Only a vague message upon logging into the website saying : " We could n't complete one of your buys due to an issue with your payment method. Please select a payment method to continue. '' " COMPLETE YOUR BUYS Amount $ XXXX '' " AFFECTED PURCHASES {$0.00} via Unknown Payment Method '' I clicked 'make payment ' without any understanding of what I was making a payment for, in hopes that I would gain access to my funds and be allow to log in to XXXX again but absolutely nothing happened. 

I 'm at a loss as to what is going on here and because it 's impossible to interact with Coinbase, i 'm here to file a complaint.
Consumer complaint received 2018-01-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (RI)

I purchased a {$500.00} American express gift card from the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX RI on XXXX/XXXX/XXXX. I used the card normally over the next month. It remained in my possession in my wallet expect when it was being used for purchases. On XXXX/XXXX/XXXX, four fraudulent purchases were made over the internet using my card totally {$49.00} ( XXXX @ {$24.00}, XXXX @ {$5.00}, and two charges at XXXX at {$10.00} each ). I noticed these charges on XXXX/XXXX/XXXX when checking the card 's balance on the American Express website. I immediately called American Express to report the fraud. The agent stated that American Express is not responsible for any charges that occur before a problem with the card is reported. He took my information and said that the American Express would investigate and get back to me. It has been a month and I have n't been contacted. This is the second time I have had fraudulent charges on an American Express gift card, so it appears to be a recurring problem.
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (CA)

TD Bank / XXXX XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-01-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

On XX/XX/XXXX our daughter XXXX XXXX and left 3 student loans we had co signed for her to attend college. Shortly after her XXXX we started receiving multiple phone calls from American Education Services demanding payments. When we advised them of our daughter XXXX XXXX the phone calls did finally stop and we heard nothing for awhile until we received a request for a copy of the XXXX certificate in late XX/XX/XXXX to see if the loans would be discharged according to AES. In late XX/XX/XXXX we provided a copy of the XXXX certificate and wrote a formal letter requesting discharge of the loans. As of this writing all we have received is a copy of the promissory notes and not a formal written explanation as to why these loans can not be discharged since she XXXX XXXX. As a Military Vet who served this country honorably for 24 years its horrible to be treated so unfairly and without a genuine explanation. We are stilll trying to get over the tragic XXXX of our daughter and to have this held over is nothing but more stress and anguish.. Further information is below :.. 

XX/XX/XXXX AES notified all 3 credit reporting agencies the 3 AES loans were closed. 
XX/XX/XXXX AES notified us the loans were in forbearance for the next 60 days XX/XX/XXXX AES notified a 3 credit reporting agencies the loans were 60 days overdue and reopened the loans in a separate filing with all 3 credit reporting agencies cutting my credit score over 90 points. As of XX/XX/XXXX my understanding from AES was the loans were never discharged but their poor credit reporting led us to believe no payments were due.until we received a letter on XX/XX/XXXX stating the payments would resume in XX/XX/XXXX. AES needs to communicate clearly on what were suppose to do and not damage a credit report because they can on a dialy basis.....
Consumer complaint received 2017-10-01
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. (KS)

In XXXX I mailed dispute letters for the negative items on my credit report to be investigated. After applying for internet services through XXXX XXXX I was told that their was already XXXX count opened at another address but I didnt live their so I provided a copy of my military orders to show to XXXX XXXX and was told to check my credit for other items. After viewing my credit in XXXX XXXX i have over 90 credit inquiries and most were from fraud so I got a police report through XXXX XXXX Kansas police department located outside XXXX XXXX Kansas. I faxed it over to the burea on XXXX XXXX at XXXX at the box and ship located in XXXX XXXX Kansas . At the time I had credit repair companies fixing my credit which was XXXX XXXX XXXX and XXXX XXXX. They both submitted the police report and I received letters stating it was added to my report but whenever I call the three bureas I dont get an answer. They told me it was under investigation and the link they provided doesnt work its always unavailable. Ive tried contacting the companies from which the inquiries came from but they dont keep records was what I was told from representatives.
Consumer complaint received 2019-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Check Bureau, Inc. (MI)

National Check burea and XXXX XXXX XXXX need to be put out of business regarding bad debt issues they are a cancer to American consumers none of money involved was ever borrowed from them they add thirteen percent interest on their investment because they can I say break them fast their causing a very bad life for people in our country
Consumer complaint received 2017-09-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

From XXXX XXXX to present, today 's date XXXX XXXX, XXXX, Synchrony continuous to call telephone number. Synchrony also uses another name GE Money a pseudo for Synchrony bank. I have spoken to a Synchrony representative to stop harassing phone calls. Only a XXXX organization would call to collect or charge late fees on accounts during natural disasters Hurricanes Harvey, Irma and Maria. It is not the consumers fault the USPS mail is effected by the natural disasters. 
Synchrony aka GE Money stop violating The Rosenthal Act. Consumers being violated or harassed by Synchrony contact Consumer Financial Protection Board.
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (PA)

The card was XXXX XXXX XXXX. The packaging stated, '' Use your XXXX XXXX XXXX in the U.S. anywhere XXXX debit cards are accepted, including online. '' Nowhere on the outer packaging did it state that the card needed to be registered in order to make online purchases. While attempting to use the card to purchase blinds from XXXX, my card was refused because it could not be verified. A call to XXXX told me I had a {$0.00} balance and the funds could not be replaced for up to 12 days and it is my responsibility to check to see if the funds have been restored. ( as though I have nothing else to do. ) This problem could have been avoided, if the card included a sticker stating card must be registered for online purchases. I finally found the info on registration, deeply embedded on a miniscule pamphlet inside! I question XXXX 's membership in the FDIC for what clearly appears to be deceptive practices. I also resent the {$3.00} purchase fee XXXX charges, it should ease the use of purchasing not complicate it. Thank for listening.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

Transferred XXXX LiteCoins into my GDAX.com account from a external site. XXXX received the money on their sister site ( XXXX ). Coinbase shows as having received these XXXX Litecoins. Coinbase then automatically forwarded these funds into my XXXX account. These transfers are instantaneous and free. Coinbase confirmed receiving the funds, and confirmed sending the funds to my XXXX account. 

My XXXX account never received the funds. They never even showed up as a pending or complete transfer in XXXX. Somewhere between coinbase and XXXX, they simply disappeared. I called XXXX the same day. Was told by the customer service rep that I was n't the first person calling about this today. As of right now, coinbase/XXXX are holding approximately {$11000.00} worth of virtual currency XXXX. It 's now been 4 days. I have no correspondence from them since my first email and call. My trouble ticket or case number is # XXXX. 

Please help me to recover my funds that they lost!
Consumer complaint received 2018-01-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Account Control Technology, Inc. (FL)

The caller identifies herself as XXXX XXXX whom I have researched and discovered works for ACT ( Accounts Control Technology , Inc. ). She calls my wife and I from different numbers with our respective cell phone area codes ( mine : XXXX hers : XXXX ). My wife and I have both told her to stop calling us yet she continues to call multiple times a day, the most recent being this morning ( XXXX XXXX, XXXX ) after I spoke with her several days prior. This individual is calling regarding my adult ( almost XXXX XXXX XXXX ) daughter. This individual, XXXX XXXX, has also called individual ( s )  at MY place of employment asking about my daughter whom they do n't know, have never met, and vice versa! I think there has been a very serious violation of MY rights and privacy, especially with this individual calling my place of employment. I would appreciate you following up on this matter asap and put a stop to XXXX XXXX 's continued violation of my rights and privacy. She has contacted several of our family members as well using my wife 's name. My wife 's sister was also called on a number with her area code of XXXX but provided with the number XXXX as a call back number. 
XXXX XXXX should be severely reprimanded for contacting my place of employment and her continued harassment of our family members that have told her to stop calling! 
Thank you for your time.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After receiving response that my account/debt was verified. I sent in a XX/XX/XXXXletter on XX/XX/XX/XX/XXXXto all 3 credit reporting agencies regarding account XX/XX/XXXX (XX/XX/XXXX ) XXXXXX/XX/XXXXbased on 611a ( XXXX ) and 15 USC 1681g. These agencies have failed to respond and/or furnishing the requested information or documents requested or the process, who they spoke with, what documents they received, what records where checked, how the account was verified, or what was used to validate this debt with the creditor during the the reinvestigation and none of this information was sent to me via mail as requested in the XX/XX/XXXXdispute letter.. This is a violation of the FCRA. Also this creditor is in violation of 15 USC 1581. in this case there is unlawful deformation of my credit. There is no documentation furnished with my wet signature, no original contract, or nothing from me stating I gave my permission for this to be reported on my credit report.
Consumer complaint received 2018-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Ocwen complaint I can not get answers. Back on XXXX/XXXX/2017 I filled out an application for a Deed in Leiu, I was told not to make any payments during this process till the application gets processed and finalized.We initially wanted to vacate the premises the right way without a foreclosure.

We do not get call backs from the company even thou they continue to send me emails ( which I have ) stating I have a conference call scheduled with the relationship manager. We have made several phone calls and all I am told is I am very sorry, in a language that can barely be understood because they outsource their customer service.

I have read multiple complaints about this company online and they are all the same, no answer, no solutions, every excuse leads to problems regarding a lein on the home which is the excuse I was given ( yet I purchased the home with no history of a lein ) ..?

Now they have reported to the credit Bueru that I am delinquent on my account and past due the full amount of the note {$79000.00} Which is ridiculous Because we stopped making payments when we were told not to pay anything! 

It should be illegal to run a business the way they do. Deceptive trade practices.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (TN)

I went to purchase a used car to replace one that was totaled by an uninsured motorist in XXXX of 2016 at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tn XXXX My credit score at that time was reported as XXXX through XXXX. 
They also used a company ( I never heard of ) called XXXX which at that time reported a credit score of XXXX! 
You can imagine how that effected my interest rate and payment ... .close to {$200.00} extra a month! 
XXXX seems to have quiet an ally in these finance companies, and I can not believe this continues after all the complaints that continue pouring in here, and elsewhere on line. 
I too do not feel comfortable giving personal information to a company that can only be contacted via email or hard copy ( no website ... legal? )
Consumer complaint received 2018-01-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

A Santander Consumer account that was open in XXXX XXXX and closed due to repossession in XXXX XXXX is reporting inaccurate information, high balance, balance due, payment history and reason account was closed. I have requested through them and the credit bureau to please remove account due to inaccurate information and nothing has been done.
Consumer complaint received 2018-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (TX)

XXXX/XXXX/2018 - XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX, XXXX has sent harassing phone calls to XXXX requesting a debt that I do not owe. I do not know where they got my phone number, but they a determined to collect a debt at this phone number. I have called this " outfit '' several times only to receive their automated system that does not allow one to speak to a person. 
Please inform this " outfit '' to discontinue these harassing phone calls that have been constantly ongoing for over two month or a law suit will be filed for invasion of privacy. Thanks for your help in advance.