davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (NY)

I ordered a XXXX account. When I attempted to install the box, the account could not be set up on the system. After numerous calls, I was forced to give up and returned the equipment. I never received a bill to this day. Last year I noticed a collection company had posted a notice on my credit bureaus. I was never contacted to confirm if the charge was valid. After numerous efforts including contacting your agency, the notice on my credit reports was removed. This affected me for many months. Now once again a new collection agency is posting a collection on my credit report ( agency name ERC opened XX/XX/2020 in the amount of {$490.00} ). Once again I was never contacted to confirm this was an actual valid debt. If you review my credit reports I pay all my bills perfectly and on time. I am being deliberately harassed. Please help me.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CO)

I have been an American Express Serve cardholder for five years without any problems. On XX/XX/2020 {$710.00} was stolen from my account in what Im assuming was a skimming crime. I have never given my pin or card to anyone, never lost my card, and was not negligent in any way. I received text notifications that money was being removed and by the time I could get my card shut off, {$710.00} total was stolen from two XXXX XXXX XXXX XXXX ATMs in XXXX stores across town from me ( I live and was in XXXX CO and the money was stolen in XXXX CO ) I reported to police and have filed multiple disputes with American Express who refuse to give me my money back. Apparently the ATMS had no cameras and I feel this is not my fault- these big banks are not protecting my money without cameras or without honoring my insured funds or fraud protection. I feel extremely victimized and this is not right. Please help.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CT)

I have been struggling to keep up with my payments and had elected for bi-weekly payments to reduce the life of my loan and interest paid over time. After 3 years the principle has not moved much and I just investigated as to why. On XX/XX/21, XXXX ( employee id XXXX ) As it was just explained to me by a mortgage representative ; In a very sneaky and unethical manner, XXXX set up bi-weekly payments to " help '' customers, but does not apply the 1st payment until the second payment is received. I asked why they would even do this, to which I received a reply stating that " its our company policy ''. So they set customers up for bi-weekly payments, but don't apply the payments, thus rendering the entire exercise null and void. It is very deceptive, dis-honest and unethical. It seems that it should be illegal. Upon asking for a supervisor I was placed on hold and then told that I was not permitted to speak to one. Additionally as I asked for company information, ie, management names, she hung up on me.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (MD)

Date XXXX XX/XX/XXXX company name - Carecredit Card/Synchrony Bank Since XXXX XX/XX/XXXX get the credit card The Company action : The reason ( s ) for decision " The number of dishonored payments '' my Explanation credit Limit {$3000.00} My credit payment {$2000.00} Current amount {$330.00} I paid {$1700.00} in 5 months even though I had one year to pay for it. I actually paid ahead so I deserve better. So Why my Account Close? 
I don't want this to cause a problem on my credit history so please change your decision.
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

Transworlds Systems INC collecting agency has sent a collection notice dated XX/XX/XXXX with the amount of {$300.00} referring to debts to XXXX XXXX XXXX XXXX as the creditor. 

While I dont have any business account with XXXX and whenever I go to local store at XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX to send or return a package I pay immediately the bill. Last time was XX/XX/XXXX with the amount of {$15.00}. 

So neither I owe any debts ( cause I pay my creator card charges in full every month ) nor got any prior communication regarding this debt claim.
Consumer complaint received 2021-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I switched insurance policies on XXXX XXXX and promptly faxed the declarations page ( with loan number ) to Mr. Cooper. I have called several times a week since, and their information still reflects the old policy which is more than {$1000.00} more than my new policy. The old policy is coming up for renewal on XXXX XXXX and Mr. Cooper still shows my old insurance company on their website. I have yet to receive confirmation that my old policy will not be paid. Coincidentally, I just had an escrow analysis at the end of XXXX and they are adding on a hefty overage which is resulting in a very costly monthly payment. I tried to explain to them that they're over charging me based on the new policy, but nobody in the escrow department seems to understand. They will transfer me to the insurance department, who tells me that their systems don't communicate with the escrow department systems. After talking to both parties, they tell me that I need to speak to the other department. I called today and got the loss prevention/mitigation department where the operator told me that he's covering the phones because the escrow department is closed. I explained to everyone that the escrow deposits are my money held in good faith and they they have an obligation to respond to requests for me switching my providers as well as return the money that they're taking from me based on a policy that doesn't exist anymore. Despite weeks of calls and being transferred to other departments, this issue is not resolved.
Consumer complaint received 2021-03-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Acceptance Finance Co (FL)

On XX/XX/2015 I purchased a vehicle. The loan was with Southwest Acceptance Finance, one month after my purchase I suffered from a XXXX XXXX. I had no other option but to voluntarily give the car back to the dealer, since I could not work any more and was forced by life circumstances into XXXX  XXXX. The original balance was {$14000.00}. Since 2015 the auto balance has not updated on my credit report with XXXX, It also shows I have a monthly payment with Southwest Acceptance Finance of {$430.00} which is incorrect since the car was given back and resold. I have never received any documents about the sale of the vehicle at auction. I have disputed this account directly with XXXX  and Southwest Acceptance Finance with no resolution, the account does not even show that it has been disputed. Every-time I try to get in touch with Southwest Credit Acceptance, they give no help and are very rude.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

This is a complaint against Wells Fargo Bank N.A. My father and mother had a trust account with Wells Fargo Bank N.A. since XXXX. They banked with Wells Fargo Bank N.A. for over 20 years. My mother passed in XXXX, so my father became the only Trustee on their Trust. No credit cards have EVER been issued on this account. No mobile banking, no online banking, and only paper statements were ever issued on their accounts. Beginning in XXXX of XXXX and continued until XX/XX/XXXX, over {$180000.00} was frauded by a unauthorized user who gained access to his account with the assistance of Wells Fargo Bank N.A. My father discovered it in XXXX of XXXX, of which I was at the bank with him. The bank did nothing so my dad filed a police report and a fraud report with Wells Fargo Bank. Sadly, my father passed in XXXX of XXXX. Wells Fargo Bank N.A. did eventually reverse the Visa credit card charges, but never restored the monies that were transferred out or withdrawn illegally by the person who is now facing 22 XXXX  charges in XXXX Count Court. I have made no less then 15 letters and contacts with upper management ; ie ; CEO, President, VP 's of Wells Fargo Bank N.A. I am listed as a victim to this crime by the XXXX XXXX Attorney and the case goes to trial XX/XX/XXXX. The amount is around {$85000.00} that is still missing from this account.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (GA)

I received on XX/XX/XXXX from Linebarger Goggan Blair & Simpson, LLP, a debt collection law firm. 

The notice claims that I owe a debt related to a parking violation that occurred on XX/XX/XXXX in XXXX, TN. I do not own the vehicle in question, and never registered a vehicle with the license plate in question. 

I informed the debt collector that I had co-signed for a similar vehicle nearly a decade prior to the parking ticket, but that I no longer owned or had any interest in the vehicle, and I was unsure if that was even the vehicle in question but that I never owned or operated any other vehicle with that description. 

The collections representative that I spoke with was exceptionally rude and insisted that since I had once co-signed for a vehicle a decade earlier, that was since paid off and no longer in my name, that I was now responsible for the parking ticket debt. I called back the next and was told the same thing.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (FL)

I took out a personal loan with The Lending Club in XXXX of XXXX in the amount of XXXX for 3 years - 36 payments. This loan was ALWAYS paid on time, every month, with never a single late payment. 
The last payment was sent in XX/XX/XXXX in the amount of {$1200.00} for the remaining balance on the loan per their payoff schedule. 
Three months later I get a notification that my credit report has a derogatory mark from this company for {$100.00}. 
I have never received any notification, bill, or statement from them for this amount. 
Since I was notified of this charge I have tried to access my account online through multiple avenues but appear to be blocked from access to any of my data after the loan was paid off. It can not find my account information, it's as if the loan does not exist even though I was previously able to access it. 
I have emailed and called over a three week period asking for an explanation. Emails were never responded to. On the phone calls, I was told a manager would look into it and call me back, which has never happened. 
Now I have this derogatory mark on my credit report causing problems for me, with nobody at this company able to explain this charge or provide any information whatsoever.
Consumer complaint received 2021-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

I bought 1 car with Kia ( Kia XXXX XXXX Ex ). On or about XXXX XX/XX/XXXX Kia financial sent me a bill that I owed {$490.00} with 60 payments. The first payment was due XX/XX/XXXX. I made a payment to this account on XXXX XX/XX/XXXX. I made a second payment for my next bill on XX/XX/XXXX ( each payment is due on the XXXX of the Month ). I then paid my bill again XX/XX/XXXX. My bank statements show payments made, and I was receiving emails to pay my bill each month. I would log in and the payment that was 'due ' was XXXX. If you look at my credit history, I have never paid a bill late. 

I received a check in the mail yesterday XXXX XX/XX/XXXX for {$490.00} as an 'overage. ' I logged into my account because when I looked at the account, I was surprised to find that while my payments went through ( {$1400.00} so far ) my total amount owed was {$0.00}. I assumed ( which I was correct ) that somehow Kia opened up two accounts in my name. I called Kia on XXXX XX/XX/XXXX to inform them I was paying my bills on time, and they mentioned there was a second account I was not aware of. The issue I am having is that they now report my payments as late because I had no clue of the second account, but I was paying the account as notified. 

I called into KIA about 5-6 times. Their phone kept disconnecting and the number would not work. I am unable to fix the issue with them because there is no way to contact them.
Consumer complaint received 2021-03-02
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. (MI)

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 

XXXX  XXXX {$3500.00} XX/XX/XXXX XXXX XXXX : XXXX {$2200.00} XX/XX/XXXX XXXX XXXX : XXXX {$3500.00} XX/XX/XXXX XXXX XXXX  XXXX : XXXX {$1100.00} XX/XX/XXXX Inquires I do not recognize XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX-Equifax-XX/XX/XXXX
Consumer complaint received 2021-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

called multiple times last call today XX/XX/2021 today at XXXX request itemized statement was told one was already sent but i never receive one but was told they cant send another one, im just asking for one but was told no no no we cant send another.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MD)

I was in the hospital with covid 19 for two months the company sent me a security identification update while I was in the hospital to verify that I was really me, kind of strange but they did through a third party credit reporting company. this was after having my account for few months. I called the company to explain what happen and they just said sorry we cant help you. my account was closed and reported negatively on credit report. I asked them to reopen the account or remove it from credit report they said i was in good standing with payments on time etc, but because I didn't responded to the secured question they were unable to help me.
Consumer complaint received 2021-03-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: August Real Estate Investments, LLC (TX)

Mr. XXXX XXXX who is my lender, failed to pay my property taxes that are now delinquent and due for the year 2020. I have in good faith made all of my mortgage payments ( to August REI the lenders 3rd party loan servicer ) month and within time frame given each month without being late or missing any payments. Included in my mortgage is payments that is supposed to go towards paying the taxes in XXXX, Texas ( the property in which I am currently purchasing from the lender ). I have included along with this letter a copy of the delinquent payment invoice sent to me from XXXX County Tax office. Please help with this issue. This is a hugh inconvenience as well as a threat to my daily living stability and my families lively hood.

Prior to this I had to constantly go back and forth with getting my homeowners insurance paid for the year with monies paid into my escrow account. The year before I was forced to pay for two different homeowners policies due to the lender not wanting me to go with a lower rate and better company.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

As of the end of XXXX, I have never received a 1098 to file my taxes and I am unable to log onto the email provided. When I called last week regarding the status, I was told that no one could help me as I had refinanced my loan so they could not see anything. Furthermore, I was told I could not access anything online since my loan was paid off over a year ago, which is not true my loan was paid off in XX/XX/XXXX which would have only been 6 months. I asked when the original 1098 was mailed out and I could not be provided at date. Then I asked them about expecting sending another once since I have never received it which they said they could not and did not know how long it would take. I asked about receiving it via email instead which they indicated they could do and I would receive it in 1-2 days which I never did.

I need my 1098 to file my taxes and will be holding Amerihome and XXXX liable for any further delay relating to that. 

I would like my 1098 sent with a tracking number or emailed.
Consumer complaint received 2021-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WA)

I wired money to Coinbase, inc., about XXXX USD. 
I was asked to complete the ID verification, and that went through. 
I get a mysterious error saying that my account is restricted whenever I want to trade or withdraw the money. 

I have no access to the money.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

1.The purported debt collectors have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in 15 USC-1692 ( d ) 806. Their language and conduct violates the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and business etiquette.

2.The purported debt collectors failed to provide VALID CERTIFIED STATEMENT OF ACCOUNTING 15 USC-1692 ( g ) 809 ( b ) ( UCC ARTICLE 9 ) upon several requests and demands for valid certified statements of accounting and violates my rights as a consumer. The law requires that ALL DEBT COLLECTION ACTIVITIES MUST CEASE until such debt is validated and or verified FCO representatives are obligated by law to act in good faith but have yet to show any good faith efforts. I am backed by the FULL FAITH AND CREDIT of the United States, public law 93-224 so there could be no honest claim that any I owe any debt to this debt collector. 

3. WITHIN 7 DAYS OF THIS NOTICE TO AGENT IS NOTICE TO PRINCIPLE, the purported debt collector must immediately PERMANENTLY REMOVE AND DELETE the harmful and fraudulent accounts being reported to all credit bureaus to which the debt collector is currently reporting.
Consumer complaint received 2021-03-02
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: BARCLAYS BANK DELAWARE (FL)

On XXXX, 2018 my bill did not go through Barclays Bank Delaware - account with XXXX missed payment. I am kindly requesting Barclays Bank Delaware to remove this missed payment from my credit reports. Previously I received response from your company. 

'Upon review, your XX/XX/2018 billing statement closed with a minimum payment of {$27.00} due by the XX/XX/2018, due date. As no payment of at least the minimum amount due was received by the due date, a late payment fee was assessed to your account in accordance with your Card member Agreement. We received your payment on XX/XX/2018. As the account did not go 30 days past the statement due date, no negative reporting took place. Additionally, we confirm that your account has no delinquencies reported as of the date of this letter. I have enclosed copies of the associated statements for your reference. ' I am asking about the late payment on XX/XX/2018. See attached screenshots.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (CA)

xoom refuses to allow me to make legal/lawful transactions due to reasons they state are for the security of my account. yet they can not disclose the reasons for restricting my account and the denial of service. they say they have an authentication issue but i have stated i have all the verification documents necessary such as id, and bank statements. they still refuse to even communicate, even to the extreme degree of blocking correspondence, blocking phone calls, and when i do happen to get someone on the phone, they place me on hold for hours then intentionally hang up on me. i wish to claim discrimination and unfair business practice. i have done nothing to deserve this kind of treatment and have these restrictions placed. for whatever reason they refuse to inform me of, i believe i have grounds for a formal complaint.
Consumer complaint received 2021-03-02
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. (MO)

I have a Charge-Off with XXXX XXXX XXXX XXXX XXXX, a late payment with XXXX XXXX XXXX and a collection that I have been disputing with the bureaus since XX/XX/XXXX. For this timeframe, they have not removed the accounts or done anything to help me. During my last dispute that I submitted to the bureaus on XX/XX/XXXX, the bureaus did not even acknowledge those disputes at all! Here it is XX/XX/XXXX and I am STILL waiting for responses from them.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Over the past 4 weeks I have tried in several occasions to stop the use of my credit - several times my credit has been pulled and someone is trying to use my information to open credit accounts!! I want this to stop as it is hurting my credit score! This is fraud- I am now going to place a freeze but I would like the hard credit runs to be removed NOW!!