davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (NC)

SUNTRUST BANK WRONGFULLY OPENED A MINOR CHILDS ACCOUNT AS A JOINT ADULT ACCOUNT, LINKED TO THE PARENT. PARENT WAS ASSURED THAT WHEN THEY OPENED THE ACCOUNT IT WAS A MINOR ACCOUNT AND THAT THE PARENT ONLY HAD TO COSIGN AND THAT THE MINOR WOULD HAVE NO ACCESS TO PARENT ACCOUNT. A FRAUDULENT CHECK WAS DEPOSITED INTO THE CHILDS ACCOUNT VIA THE INTERNET BY TAKING A PIC OF IT. THE CHECK WAS {$7000.00}. THE CHILD SAID HE DID NOT KNOW THE CHECK WAS FAKE BECAUSE IT CLEARED THE NEXT DAY. THE CHILDS ACCOUNT HAD NO MONEY TO COVER THE CHECK, AND THE BANK WENT AHEAD AND RELEASED FUNDS THE VERY NEXT DAY. THE CHILD WAS ABLE TO WITHDRAW {$3000.00} WITH OUT PARENT PERMISSION, AND ALSO WAS ALLOWED TO USE HIS OWN DEBIT/CREDIT BANK CARD LINKED TO HIS ACCOUNT AND TAKE OUT LARGE AMOUNTS OF MONEY. AS SOON AS PARENT HEARD ABOUT THIS THEY WENT TO BANK AND HAD ALL ACCOUNTS CLOSED. THE BANK THEN TELLS PARENT THAT THE ACCOUNT WAS OPENED WRONG AND THAT THE CHILD WAS NOT LISTED AS A MINOR, BUT AND ADULT ON A JOINT ACCOUNT WITH PARENT EVEN THOUGH THEY HAD HIS DATE OF BIRTH ON RECORD. THE BANK THE SAYS THAT HE SHOULD OF NEVER BEEN GIVEN A DEBIT/CREDIT CARD BECAUSE HE WAS A MINOR. THEN THE BANK SAYS THAT THE REASON WHY THE RELEASED THE FUNDS THE NEXT DAY IS BECAUSE THE PARENT HAD THE FUNDS TO COVER THE CHECK IN HER SAVINGS ACCOUNT. IF THE ACCOUNT WOULD OF BEEN SET UP CORRECTEDLY, THE MINOR WOULD OF NEVER HAD ACCESS THE THE FUNDS BEFORE THE CHECK ACTUALLY CLEARED. THE BANK THEN TELL THE PARENT THAT IF THE PARENT WOULD OF NOT HAD THE FUNDS IN HER SAVINGS ACCOUNT TO COVER THE CHECK THE FUNDS WOULD NOT OF BEEN RELEASED. SO THE PARENT WAS NOT PROTECTED BECAUSE SHE HAD ENOUGH MONEY IN HER SAVINGS ACCOUNT. NOW THE BANK HAS FROZEN ALL OF THE PARENTS ACCOUNT, AND THE PARENT HAD NO IDEA WHAT THE MINOR WAS DOING. PLEASE LET ME KNOW WHAT I CAN DO TO MAKE THE BANK LIABLE FOR THEIR WRONG DOING. THE LADY THAT ACTUALLY SET UP THE ACCOUNT OF COURSE IS NO LONGER AT THE BRANCH. MY PHONE NUMBER IS XXXX AND EMAIL ADDRESS IS XXXXXXXXXXXX. 
THANK YOU, XXXX XXXX
Consumer complaint received 2019-12-13
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX | DOB : XX/XX/XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the  original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2019-12-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

The company simply calling themselves " Midland '' said they are calling on behalf of XXXX XXXX to collect a debt. 

I received a voicemail from XXXX from XXXX XXXX that stated : " This message is for a XXXX XXXX, this is XXXX XXXX I'm a compliance officer with the state of Texas. I'm contacting you in regards to your pending claim that is being filed right now, I have to make you are that your file number XXXX is completed and it will become a matter of public record, there will be an order of vocation issued for you. I wasn't able to reach you by phone and I will have to contact your employeras it looks like this could be a possible place of location and due to the negligence on your own regarding this case Mr. XXXX. You to have the legal right to contact the office that is processing your claim and once your claim is officially filed all other options will be forfeited, the number to contact them is XXXX, you are being notified by telephone as a last resort. '' I contacted the number she left and it was a company called Midland. The person leaving the voicemail kept their description extremely vague as to avoid being tracked down I assume, I've left both phone numbers involved as well as attached the voicemail.
Consumer complaint received 2023-01-20
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. (SC)

I have contact the company and well as Equifax about some Hard Inquiries that does not believe to me. I made them aware that this is damaging my credit. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

Good day, My situation stands as such. I invest heavily in cryptocurrencies through an exchange called XXXX, owned by a U.S. based company called Coinbase, located in XXXX XXXX California. In early XX/XX/XXXX, Coinbase froze my investment account with all of my funds still in it. They did not offer a reason nor contact me in any way regarding this issue. When I attempted to log into my account I was told to contact Coinbase customer support. I immediately did so and was told that my account was frozen " pending review from a specialist ''. 

It has now been over 30 days since my account has been locked. I am unable to trade, I have no way of knowing if my funds are, in fact, still in my account and despite having called and emailed Coinbase on several occasion I have been given no time frame and still no reason why my account was frozen to begin with. Their answers have been incredibly generic and always basically repeats the same message, that a specialist is reviewing my account and I will be contacted when they have completed their review. 

My goal in filing this complaint is twofold. First, I'm looking to have Coinbase give me back my account ( which I will promptly close, transferring my funds to a safer exchange ), and second I would like to know if what they did was legal. Is it legal for a trading platform to hold a person 's capital for over 30 days without giving any clear reason as to why? 

thank you, XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

Ive been using US bank for over a year now and they were a good bank or so I thought for awhile then recently I got a large check plus my paycheck and it was an anniversary and my account said I had this amount of money and apparently I did not. It takes a few days for charges to go from pending to completed and about the 3rd from the last charge I got hit with an overdraft fee saying my account had gone negative which confused me from what my balance previously said and then another transaction cleared and another overdraft charge and finally a third one thats been pending for four days is about to clear which will make a third overdraft charge totaling {$100.00}. I called the bank and tried to talk with them about it and they said there was nothing they could do and I would receive a {$36.00} charge for any all pending transactions still on there. Im in astonishment a bank can charge you three overdraft fees in essentially two days for charges made with the account balance seemingly fine during purchasing.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Firstsource Business Process Services, LLC (NV)

Ok this is the issue, I'm very very poor, and live off of XXXX for XXXX and XXXX and XXXX XXXX. My XXXX we're not working properly as common with XXXX. So I got XXXX for about XXXX years. XXXX credit card companies gave me XXXX dollars in credit on a XXXX a month pay check. The committed fraud by not taking care of a red flag situation. I obviously should of never been given any of these cards let alone trusted to handle such debt. But they knew I owned my condo because of a inheritance so the greedy trolls all lined up to get a piece. I have no where else to live if I sold my condo to pay it then I would be XXXX because I can't afford rent. Getting on new XXXX has straightened me out but the damage was done. Your telling me they didn't think it was odd I was running up all my cards I was clearly XXXX and XXXX XXXX or XXXX XXXX no they just kept giving me the cards as if XXXX dollars a month was even enough with bills to keep a XXXX XXXX dollar card that's all I can afford this company gave me XXXX XXXX this account is XXXX $ get real a real respectful company with responsibility and a legal chance in court would of said no. I'm to blame they are to blame so debt is nul and void do to the legality of the who situation
Consumer complaint received 2019-12-13
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: EQUIFAX, INC. (CA)

Equifax continues to report inaccurate information on my credit report and refuses to update the information that is now being reported on my Credit Report. As a result Equifax has also reported and refuses to update my correct and current Credit Score. My credit report has not changed and has not been accurately updated since XX/XX/2019. My Credit Score Score today XX/XX/2019 is still the same as it was on XX/XX/2019 even though I have two new creditors now reporting on my credit report. I have no debt to Credit Card Creditors as I have paid off all of my credit card balances. I called and was transferred to 9 different Representatives today while attempting to correct the information on my Credit Report. When I called to speak to an Equifax Representative  each time they all said that they could not help me and transferred me to various other departments. All of those representative attempted to blame me and said that I only have an myEquifax account not a paid service and that I can only see a my credit report two times a year for free. All of the Equifax Representatives refused to provide me with my current credit score stating that they needed to transfer me to another department. They all said that I have to pay to see my Credit Report with my accurate score and information and that they could not help me and transferred me to another person, hung up me or gave me another number to call! This is not acceptable as I am being verbally abused and harassed by the staff at Equifax while they continue to  provide false and inaccurate information on my Credit Report. Equifax staff are also refusing to correct the information on my credit report and refuse to provide me with my current credit score.
Consumer complaint received 2016-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (LA)

I changed my payment plan for my student loans to the Standard Repayment Plan, after being on income-based plans for a number of years. I intend to make qualifying payments so that I eventually qualify for Public Service Loan Forgiveness. After I changed to Standard, I received an email from FedloanServicing stating, " You need to select an eligible repayment plan for your payments to count for Public Service Loan Forgiveness. '' and " You need to change your repayment plan as soon as possible to ensure that any future payments you make count towards PSLF. '' From my research, I understand the Standard Repayment Plan to be a qualifying plan for PSLF, so I am confused by this letter, and I do not want to make payments that are not qualifying.
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I reached out to Bank of America on XX/XX/XXXX about deleting the escrow payment on my mortgage. That had misestimated payments for the year, and as a result, doubled my monthly escrow payment ( for property tax and insurance ) from {$800.00} to {$1600.00} per month. I requested to cancel, but they said that would not be possible because there was a escrow disbursement scheduled within 60 days. They told me to call back in XXXX once the disbursement had been made. 

I called back in on XX/XX/XXXX to again, delete my escrow account. They said the money had not been disbursed yet ( when it could have, and should have been disbursed at the beginning of the month ). Bank of America said I would have to call back to once the escrow payment was disbursed. 

I now called back on XX/XX/XXXX, and again, they have to file paperwork to escalate it internally, and said it would be approved or unapproved by XX/XX/XXXX. Which means I will be within 60 days of another disbursement, which means I won't be able to delete my escrow account. 

This is predatory business practices. Bank of America puts the 60 day rule in the escrow contract, fully knowing they will not make a good faith effort to delete escrow accounts, because it does not benefit them. Bank of America distributes the funds later in the month, implements a three week long approval process, so that the window to delete your escrow payment is so short, it's impossible to cancel this payment. 

There is also no contact number for the escrow department, which is convenient for Bank of America because if you can't reach the people who determine the outcome, there is no way to resolve the problem. 

Escrow is something I opted into out of convenience, only to later find out it's virtually impossible to cancel. It's wrong, it's no way to treat people, and I couldn't be more disappointed in how Bank of America treats their customers.
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-26
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: Moss Law Firm, P.C. (TX)

I entered into a settlement agreement with Moss Law Firm PC effective XX/XX/XXXX in the amount of {$130.00} per month. The first payment was due by XX/XX/XXXX. On XX/XX/XXXX, I submitted payment via the company 's online portal. Several days later, I received a notice that the payment was not processed and to contact Moss Law Firm PC to make necessary arrangements. When I contacted the company, the representative told me that my payment was not processed because I attempted to make the payment too soon after the agreement was signed and my account was not established in the system. I made the payment with the representative via telephone on XXXX and was told by the representative that I would be able to make my monthly payments online from that point forward. On XX/XX/XXXX, I attempted to make another payment online for XXXX. I received a payment confirmation email. However, a few days later I received another letter via mail stating that my payment did not go through. I called Moss Law Firm again and could not reach a representative, so I left a message for someone to call back. 
I did not receive a return call. I called the company again on XX/XX/XXXX and was advised that since my first two payments did not go through, I could only pay each month via cashier 's check or money order. They also advised that the reason the payments were being rejected was due to an issue with my bank. I attempted to explain to them that I was given misinformation back in XXXX when I first attempted to pay, and I was willing to get the issue resolved with my bank if they would allow me to get caught up with my payments and continue to pay online. They stated that they could not allow for this, even though they provided misinformation to me which caused me to continue to have the same payment error. They also falsely claimed that I did not try to contact them and that they previously advised what the issue was. I feel that they did not provide me with proper information to ensure timely payment.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

It has come to my attention that Comenity Bank/Lane Bryant, creditors and debt collectors, as defined pursuant to 15 USC 1602a ( g ), and 15 USC 1692a ( 6 ) has violated my rights as a consumer pursuant to title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act, and 15 USC 1692 Fair Debt Collection Practices, by misinforming me about the use of my credit, invading my privacy, furnishing deceptive forms, and by providing abusive and unfair debt collection practices. Pursuant to 18 USC 8, the alleged debt was already paid for under the obligation of the United States. Pursuant to 15 USC 1602a ( g ), I am the person, and the original creditor who is federally allowed to extend credit to any, and all banks. Comenity Bank/Lane Bryant never loaned me money for this credit card. Banks can not loan money, Congress never gave banks the power to loan money. 

In XX/XX/XXXX, Comenity Bank/Lane Bryant lowered my credit limit without notice, and OnXX/XX/XXXX, Pursuant to 15 USC 1691 ( d ), and 15 USC 1691 ( a ) ( 6 ), Comenity Bank/Lane Bryant committed adverse action upon me. Comenity Bank/Lane Bryant closed my credit card account due to inactivity, without my permission. Pursuant to 15 USC 1602 ( a ) ( p ) this is unauthorized use of my credit. I did not benefit in any type of way from Comenity Bank/Lane Bryant revoking, and closing my credit account. On XX/XX/XXXX, XXXX XXXX of the Compliance Department at Comenity Bank/Lane Bryant threatened to injure my reputation to the consumer reporting agencies by retaining my consumer information, amongst other civil and criminal acts. This is a federal violation pursuant to 18 USC 876 ( d ). This is attached in the documents of this case. These are just a few of the federal violations Comenity Bank/lane Bryant, and XXXX XXXX have committed upon me.
Consumer complaint received 2021-07-26
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. (PA)

I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.
Consumer complaint received 2024-04-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: SOUTHSTATE CORPORATION (AL)

In XXXX, we got a construction loan from South State Bank, XXXX, Alabama. We were told that per our closing statement all the money was utilized for our construction loan. When we went over the construction loan there was {$10000.00} that was unused, we notified the bank went over the closing statement several times via email and the loan officer and was told that that money was utilized. So we had to reopen our mortgage to get an additional {$9000.00} to finish our project which we incurred more closing costs and interest due to reopening the mortgage. IN XX/XX/XXXX S. state bank called my husband XXXX XXXX and told him there was {$10000.00} still sitting in our construction loan account and that we can go ahead and withdraw the money not only was the money still sitting there for two years, they charged us a fee for allowing that money to sit there.
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AL)

My information was hacked from a numerous businesses, which sent me letters about it. Southwest Credit system called me while I was at work in XXXX, I ask the representative to send me information about the debt because I never did business with XXXX. The representative stated that she would and I verified by address. Then the next thing I see is that they put it on my credit without send any communication and no verification of this debt.
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WI)

They keep calling, do not introduce themselves, yell at me with horrible language. I am currently POA/guardianship for my father with XXXX. I do not have money as we are in probate court for the hijacking of his entire estate. My money is going to legal fees towards the advocation of him and XXXX XXXX XXXX.