davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (FL)

They have tried to report to the credit bureau several times, damaging my credit when that account is not legitimate to collect. 

This is hurting my credit and score I am trying to raise my score for the purchase of a house.
Consumer complaint received 2020-11-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (AL)

On Wednesday XX/XX/2020, I went to BBVA Compass to deposit funds into my co-workers account because we both have an account at the same bank in which I have been making deposits into her account for the past 4 years. About 8 months ago the branch and other branches required you to show photo ID on all transactions whether its your account or someone else account and I could understand that because it leaves a paper trail on who did what and the time etc. On the date listed above around XXXX the drive through banker told me I forgot to send my identification so I sent it up to her. She had me wait 5 minutes and then she called me Mr. XXXX even though she had my drivers license and asked me was I making a deposit into someone else account ( and my words to her ; mam cant you read I thought you were done and about to say thanks and have a nice day Ive been sitting here all this time and you havent even looked at the transaction can you hurry up I have somewhere to be ). She then had me wait an additional 4 minutes and Im still the only customer and comes back on and asks me whats the last four digits of my social security number. I instantly told her why does she need my social security number on an account I am not an authorized user or my name is not attached too and she said thats a requirement and went on to say I couldnt have been coming to that branch because thats what they have been doing which is a lie Ive never been asked that!!!!!! I have never been asked for the last four of my social and I dont appreciate it being asked. I asked for a manger and she refused to come to the window and she told me she will send me the money back and I can go to another location as if I done something wrong. I told her to fly me the deposit back and send me her information and this supervisor information. I dont know what they have going on at that branch but its unacceptable and put people at risk of having their identity stolen by the banking representatives or someone in the parking lot listening. I went to BBVA on XXXX and XXXX  XXXX XXXX and took the same deposit slip and cash sent it up with my ID was there 2 minutes the banker said thanks and have a nice day. I asked her are they required to ask for the last 4 of people social when making deposits if its not their account she said NO!!!!! and I told her thanks and have a nice day. I am a victim of identity theft and have been for the past 12 years and I feel the supervisor and the banker at BBVA copies customers ID to get their XXXX  gifts for theyre family members by making customers provide their personal information to them knowingly.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Webcollex, LLC (VA)

cks XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX agreed to remove the collection from all credit reporting agencies XXXX XXXX XXXX etc if I would pay they collection in full which I did on XX/XX/20 they also promised a letter of satisfaction within 6 days never received that either. I paid this debt in full and they need to remove it
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

I have been using Coinbase since XX/XX/2017 and two weeks ago, I got an email that they will no longer allow me to be their customer. They did not want to give me any reason or explanation why they are closing my account and the email just stated that I violated their rules. I was advised by Coinbase to log into my account and withdraw my funds as the process of closing my account has started. After I had withdrawn most of my funds in my account, soon, I realized that I am missing USD XXXX currency and also missing another currency which I had purchased in their site. My USD currency was somewhere around XXXX XXXX something dollars and my other cryptocurrency were exactly XXXX XXXX XXXX tokens. I write an email to Coinbase that I am missing some funds from my account which I don't see and I therefore I cant withdraw them and I would like to get my funds before they close my account. They have replied to me four times now and every email I get from Coinbase customer support is basically repeating the same thing that I have to login to my account and withdraw my funds. I have send emails with screenshots and have explained numerous times that what they are advising me is not possible, because my funds are not shown in my account therefore there is no way for me to withdraw my funds. The way they have edited my account is I can only withdraw my funds now since the account is pending closure, but my USD and XXXX funds are missing and I can't withdraw them. All of my other funds were there and were successfully withdrawn, but the missing funds are still with Coinbase and it seems they are not doing anything to provide me with information or support on how to get my funds available so I can withdraw them.
Consumer complaint received 2020-11-20
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: EQUIFAX, INC. (NJ)

chapter XXXX bankruptcy was in my XXXX  and equifax credit report in which i disputed and the both told me the item was verified thru XXXX, ,I contacted XXXX and they told me I didnt have a public record for a bankruptcy in there system. Either these 2 credit bureaus lied or they didnt do a through investigation into my disputes either way they are in violation of the FCRA and i demand these bankruptcies be delete from my credit file
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I submitted letters to al three Credit Bureas requesting that the initial alert, security alerts, and fraud alerts be removed from my credit report as they are causing me not to get pre-approved for credit products that I have interest in.
Consumer complaint received 2020-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affiliated Management Services (IA)

There is a collection account on my XXXX  credit report from Affiliated Management Services for the amount of {$2100.00}. This account has been previously disputed with other collection agencies and found to be a result of identity theft. The account is being repeatedly sold to different collection agencies with them having knowledge this account doesnt belong to me. This medical collection is not associated with my identity. I have enclosed an ID Theft Affidavit an police report as supporting documentation. Please remove from my credit report immediately.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

Hello, I would be interested in unlocking my online access to my Chase XXXX checking account, and subsequently closing this account as well. Account was opened on XX/XX/XXXX and was locked after making a {$500.00} deposit to my linked XXXX XXXX XXXX checking account on XX/XX/XXXX. My Chase account was over a year old at the time, the transaction was only for {$500.00}, and the XXXX XXXX XXXX checking account is in my name as well, so there should not have been a problem with this transaction. Since the account is no longer usable in many respects due to no online access, I would like this account to be closed as well. Statements and transactions to verify account ownership, identity, address and activity are attached to this complaint. In addition, I noticed over automated telephone banking that an insufficient funds fee of {$34.00} was deducted from my account on XX/XX/XXXX. Considering that I do not have sufficient access to my account and dont know what could have caused this fee to have been triggered, please refund this particular fee to my account at this time. I have not incurred any other fees with my checking account.
Consumer complaint received 2020-11-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I already sent a complaint here that I sent a dispute letter asking for verifiable proof of the accounts on my credit report. And I sent a follow up letter because I did not get a response to the original dispute. I don't know if someone is playing games with me or what, but you responded back that you don't believe it's me sending the complaint. Well it is me, and my complaint is that XXXX is the date of my original dispute, XXXX is the date of my follow up letter because I didn't get any response from you regarding the dispute of these accounts XXXX XXXXacct XXXX and XXXX- acct XXXX. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been well over the time allowed according to the codes and laws so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you are causing me. I have included my dispute letters, a utility bill, my drivers license, and my social security card to make sure you know that this is me filing these disputes and complaints. Also, my information was impacted by the equifax data breach and probably the wrong person got a hold of my info.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

the XXXX XXXX XXXX XXXX XXXX  in XXXX floridaXXXX XXXX XXXX XXXX XXXX florida XXXX and XXXX florida defrauded hundreds of students who went to their schools in XXXX florida and XXXX Florida in XXXX, the owner XXXX XXXX stole all the students aid loansmoney and XXXX XXXX us dept of education approved loan money up {$10000.00} and never trained the students the owner of the school went to prision plead guilty, the students never recieved training and had to leave the school and was left with student loans debt they never recieved or the school training, now XXXX the us dept education collection agency XXXX in XXXX nebraka still hold students ' like me accountable for student loans we never recieved or got training for, and damaged our credit reports for student loans, we never used or recieved someone need to discharge and suspend all student loans from these schools due to fraud, theft and illegal school activity from XXXX the owner of the school went to prision and the fbi need to be involved and dismiss all collections by the department of education XXXX student loans, also they required you to be able to typing at 100 wpm after you enrolled in their school but did not state this before you enrolled in their schools
Consumer complaint received 2018-01-20
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. (CA)

Spoke to XXXX rep in XXXX - regarding my account and asked her to give me a better explanation regarding my account and the int rate that was getting for XXXX per month and asked her very kindly to remove or adjust it but she refused and told me that stay there and say : we do n't adjust rates ", I made my very best to communicate nicely with representatives from Citi but they just told not to help anyone. 


Fair lending act say : consumer have the right to ask CC companies for a breakdown of payments and better explanation of int rates on which i 'm not very knowledgeable about it and i fell i was set up on a predatory interest rate credit card. 


FYI - Citi has not responded and chose to ignored my previous request
Consumer complaint received 2020-11-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (AR)

I purchased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX. The vehicle was financed by Wells Fargo Auto Finance. 

This vehicle was included in the Wells Fargo Settlement that was advertised nationally. I received a check from Wells Fargo that was supposed to settle this account in full. My credit report was updated to reflect the account as paid in full. 

In XXXX of XXXX, Wells Fargo abruptly reposessed the vehicle. The person who took the car said they had no knowledge of the settlement. The next day, I called Wells Fargo and they also seemed to have no knowledge of the settlement. I have since received a bill for {$10000.00} for the remaining loan balance on this vehicle.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I made a complaint before and I was told it was resolved and all holds were taken off of my account. Yet, I have not been able to use a card till this day. I will need a new card and for it to be unlocked. This problem has been going on since XXXX and now its becoming more urgent to get it unlocked. I have done countless efforts to get my account unlocked.
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (MA)

on XX/XX/13, I realized the amount that I have sent wasn't right so I called them to cancel the transaction at Remitly. At that time, money was still on hold but they said it wouldn't be reversible. They let money go after that. The recipients were scammers. They were using what ever name that would be easier for them to identify it seemed like. They used " XXXX XXXX '' as a recipient for my case. I was thinking talking to XXXX customer service people. originally talking about XXXX XXXX  fees. I got a text message saying they were going to charge annual fees instead of monthly so I just needed to change to monthly .... I will talk about this if you are interested in next time. Anyway I had 2 transaction ; {$1200.00} and {$1500.00}. I tried to reverse it after I thought something wasn't right but they wouldn't cancel it.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (MI)

Company called Me claiming to be my credit cards bank they tried to convince me they were chase bank by giving me my recent payment information and then tried to tell me I had a payment due and that they would help me lower my interest-rate if I paid the payment. I told him I didnt have a payment due because I just paid it and they tried to insist that it was due and if I just paid the payment they would lower the rate. I hung up on them they called me back told me they were a different company approved by my bank to help lower my interest rate they keep asking me to give them card numbers and I refused multiple times and finally had to just hang up on them. The number XXXX XXXX XXXX from XXXX XXXX. Second call came from blocked number
Consumer complaint received 2018-01-20
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: Ditech Financial LLC (WI)

Ditech Financial LLC is still showing my XXXX mortgage loan as a charge off on the credit bureau. This account was started with XXXX XXXX XXXX and was transferred over to Ditech Financial LLC. Ditech is showing this was last reported in XXXX, however this account was paid in full in XXXX when my house was sold. There was a full payoff at that time and nothing was charged off. 
Ditech has been near impossible to contact and get any information from. There are well over XXXX attempts at resolving this with them with no contact back. When I did talk to someone, they just keep transferring you elsewhere ... horrible customer service.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AVANTE (PA)

A account with Avante that I settled with them XXXX XXXX with a payment of {$590.00}, is still showing on my credit report as being unpaid an open, I called Avante several times and they are refusing to take it off my report even thou the bill has been paid.
Consumer complaint received 2020-11-20
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: Advantage Credit, Inc. (TX)

On XX/XX/2020 XXXX XXXX XXXX Main office pulled my credit report without my consent. I called XXXX XXXX that day multiple times and eventually spoke with XXXX XXXX who works in the mortgage department. His boss is XXXX XXXX. I spoke with him at XXXX. They advised they were working with another borrower with the same name, when trying to get her pre-approved for a mortgage they pulled my SSN which was in their system from an old application instead of hers. This resulted in multiple credit inquiries from XXXX XXXX and Advantage credit inc ( a company they use for credit review ). I was advised they would fix this and remove the inquiries but nothing has happened. I also have concerns that they breached my security and discussed my credit score and credit information with the applicant. I want to know exactly what information of mine was disclosed to her and I want the unauthorized inquiries removed as they lowered my credit score and caused me to have a higher apr on a refinance offer.
Consumer complaint received 2020-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

I have constantly contacted XXXX  with concerns regarding accounts : XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$150.00} Southwest Credit Systems {$100.00} XXXX XXXX XXXX {$200.00} XXXX  with XXXX XXXX XXXX advised I would need to contact the police department and FTC  regarding identity theft. They refuse to investigate as they should. They send the same generic dispute results and it is disgusting at this point. XXXX also confirmed my report can be accessed without my authorization causing unauthorized inquiries and there's nothing I can do about it besides report it to FTC  and make a police report. 

XXXX advised they have an electronic system and communicate with the agencies and if matches their records it is verified. They are unable to submit to me the results of their investigation besides the generic language. 

To zoom in on an issue, Southwest Credit Systems have sent me a bill and have yet to show this is my debt. XXXX the original creditor, has first used XXXX XXXX, then XXXX XXXX now Southwest Credit Systems.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

The UNNAPPROVED weekly charges added by XXXX SHORTLY AFTER I XXXX 2020 ; AND MORE ADDED IN XX/XX/2020 caused a banking balance system trip. THIS IS A COMMON OCCURENCE, THE WEEKLY RECURRING SUBSCRIPTION CHARGE IS A 'BURNER ' TO BANKING ACCOUNTS. THE SOFTWARE I SIGNED UP FOR WAS ONLY FOR A WEEK TRIAL. I HAD AUTORENEW, BLOCKED ON MY ACCOUNT, AS SEEN IN SIMILAR SUBSCRIPTION TRIALS AT XXXX. PEOPLE ALSO ran hotel fees and caused BALANCE reporting delays. Ultimately, the recurring weekly fees stopped the system as they misreported the account. THEY THEN CLOSED MY ACCOUNT WITHOUT ALLOWING DISPUTE CORRECTIONS. THESE ACTS CAN BE TRACED TO THE INDIVIDUALS INVOLVED. 
THERE ARE incorrect/3rd party notifications and, incorrect balance ; leading to charge decline s at POS. I am always aware of my actual balance. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} confirmation XXXX XXXX XXXX ACCT XXXX I have not received this transfer. There are many XXXX refunds. Total ing {$4000.00}. I have confirmation of these refunds ; but ; they were not reported. I have XXXX in my account in XXXX. I know incorrect reporting has caused my entire balance to be inaccurate. Also a refund from XXXX XXXX for {$3200.00} was not reported. I have email confirmation of all refunds and the wire transfer. They were never reflected on my Wells Fargo account. Please insure my deposits. My account number : routing : XXXX account : XXXX Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE A PDF DOWNLOADED FILE OF THE ENTIRE BANK STATEMENT. IT SHOWS RECURRING CHARGES ON ALMOST EVERY LINE. I DID NOT AUTHORIZE THESE.