davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc. (FL)

My insurance and property taxes are paid from an escrow account maintained by the lender. After receiving a notice from the insurance company that annual premiums had not been paid ( early XX/XX/2021 ), I notified the lender who deducted the annual premium ( {$2500.00} ) from escrow ( XXXX XX/XX/2021 ). Insurance company claimed they never received that payment and sent a policy lapse notice on XXXX XX/XX/2021 ). After a couple of weeks of going back and forth between the insurance company and lender, the lender deducted another {$2500.00} ( XXXX XX/XX/2021 ) from escrow and overnighted the payment, which the insurance company acknowledged receipt of. However, the lender is refusing to credit my escrow account by the original {$2500.00} and claim they will refund it when the insurance company returns the {$2500.00} to the lender ( insurance still claims they did not receive the initial payment ). This is an issue between the lender and insurance company any my escrow funds should not be in play in their dispute. I made a final attempt this morning ( XXXX XX/XX/2021 ) and was told the same thing - that the escrow department was supposed to issue a stop-payment on the check. I explained again that the funds should be credited back to my account regardless of the status of that check.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

ON XXXX, I settled an account with America Express. Updates are sent by by American Express on the XXXX of each month. American Express has deliberately failed to update the credit bureau and continues to add negative entries on my credit report, which is continuing to lower my score and prevent us from refinancing our home. 

When I contact American Express, they state that the account has been settled and nothing else is owed, however, they refuse to update the bureau. They keep giving you additional toll free numbers to call, which each unit tells you that someone else has to take care of it and will not resolve the issue.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Chase bank contact me on XX/XX/XXXX stating there was unusual activity on my account. I advised them it was not me. They closed the account and sent me a new card. They also reversed the fraudulent charges back to my account on XXXX. On XX/XX/XXXX I checked my account and noticed all the fraudulent charges were back and my account was now overdrawn. I contacted Chase immediately. There are important bills due to be withdrawn from my account. They stated an investigation was conducted and it was determined that XXXX  marked the charges as bill pay so they can not reverse the charges and I should contact the company who took the money. I told them I did that. The company does not exist. Two separate agents advised they can not help and to have a nice weekend.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (OR)

On XX/XX/XXXX and XXXX, XXXX, I tried withdrawing my remaining funds after Robinhood sold all my assets without my authorization and restricted my account. I have a reason I believe why and both called and emailed them multiple times with this information including my bank account statements to verify my account but they never did anything with this information why? Everything they need I provided to them and they choose to ignore me after sending me the same emails requesting for the same information?

Reason why I believe my account was restricted : Account is under my fathers name/documents. I put my bank account information in there to manage his account and after some time I mistakenly submitted my own ID to get access to a trading option. Shortly after this my account got restricted ( fair enough ). I managed to withdraw little less than half my funds AFTER they sold my assets ON A LOSS and then they didnt give me access to the remaining ones. I am frustrated by how they are handling this because of all the proof and information I provided. with some research it looks like Im not the only one with this problem.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I made a principal overpayment that posted to Toyota Financial Services on XX/XX/XXXX ( verified on their website ) ... .Since that time my account is still showing I owe {$100.00} for a XX/XX/2022 Payment. It still shows I have a balance due on my loan. My first call to them to discuss this matter was XX/XX/XXXX. I've called them and messaged their online numerous times and was told it would be fixed in 3 days it wasn't I contacted them again they said it would be posted on my account by the end of the day on XX/XX/XXXX. Once again it wasn't posted so I messaged them in their system again and that I last contacted them on XX/XX/XXXX... which was false... .today is now more than 7 business days from first contact and they haven't fixed the issue.
Consumer complaint received 2016-01-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (KS)

My loan was recently sold to Loancare which is the worst company I have ever come across. Before we even received this so called welcome packet from the company I was incessantly harassed by automated phone calls demanding payment. Then after we received the packet and sent the initial payment I was still receiving calls from them and the began receiving letters telling me my loan was in default all the while having been paid up. The conduct of this company has been totally unprofessional and can only be characteried by harassment.
Consumer complaint received 2024-03-18
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (LA)

I am writing to file a formal complaint regarding the unfair and abusive debt collection tactics I have experienced from your company. The behavior I have encountered violates the Fair Debt Collection Practices Act ( FDCPA ) and is unacceptable. The debt collector for repeatedly called and used abusive language to be specific I encountered many incidents of abusive behavior. All of the harassing phone calls, threats, false statements, or other violations of the FDCPA. According to the FDCPA Im entitled to XXXX for each violation
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

My friend XXXX XXXX sent me XXXX payments for rent on the Venmo platform. The first amount was for XXXX $ and I successfully sent this over to my private bank. The second round for XXXX  $ Was successfully sent to me from XXXX but when I went to send that to my private bank- Venmo declined it, first stating I need to prove my identity. I sent over my drivers license and proof of my bank account belonging to me. After I did this I waited for the ability to send this to my bank again. I then received an email from Venmo stating my account t was permanently frozen. I tried to converse with them via phone and by email on several occasions looking for an explanation or anything so help me understand why I was not able to either refund XXXX XXXX to use a different platform or why my sending proof of myself and bank account as subsequently forced me to XXXX. I then received an email a few days later stating they will no longer be responding To inquiries and that they have the right to hold my funds for 180 days with zero explanation. 


XXXX  $ Of my money is currently frozen in my Venmo account with no explanation.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX  Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I Received Multiple Banking Debit Pre Paid Debit Card for Bank Of America XXXX that are not standard for Bank of America. there are codes on the back that are accessing my accounts disclosing my personal information and debit transactions are being extracted and deposited via transfer to undisclosed locations. XXXX XXXX And XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FDIC Account, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, These counties are primary XXXX XXXX and XXXX XXXX, there are also some money applications for your XXXX devices that cash checks instantly that have XXXX XXXX. i have two other accounts that dating back to 2005 that still have funds that need account recovery. I am getting the process of retaining an attorney to represent me in this case. Suspects are Uknown, I have a few in mind that can be looked into. Court proceedings have been illegally booked and appeared at by someone posing as myself in Washington D. and Nevada State, Ohio, the identity theft is major issue for 4 national settlement and judgements have been stolen by XXXX XXXX Courts XXXX Courts and XXXX XXXX usps nationwide identity heft has caused me to not receive mail at theprimary locations i reside.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I opened a citi priority checking account on XX/XX/2021. And I transfer {$10000.00} from XXXX XXXX  to this citi checking account. Then my citi checking account was closed on XX/XX/2021. They don't provide the reason why they closed my account and don't refund my money.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Paypal Holdings, Inc (IL)

I have opened and closed XXXX different PayPal accounts because I have not received a debit card from PayPal for my accounts. After asking asking around on social media ( XXXX, XXXX, etc. ) I discovered that PayPal doesnt send customers debit cards for their accounts unless they add at least {$100.00} from their bank accounts to their PayPal XXXX. That is what XXXX is saying. And when I call PayPal customer support about my debit card they always lie and tell me I didnt put my apartment address on my account or my home mailbox didnt have my name on it or something like that as their excuse.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to XXXX, along with Equifax. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both XXXX   and Equifax have NOT removed this debt off of my report.
Consumer complaint received 2021-11-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Unity Asset Management (FL)

XXXX ( XXXX ) XXXX I received a call from the above listed number numerous times every single day for several days. Every time I answered they would represent themselves as a law firm but clearly try to hide the fact they werent a real attorney stating that if I didnt pay them money over the phone a lawsuit would be filed against me. They would not give me written notice about any debts either. When I asked if they were a collections agency attempting to collect a debt they stuttered repeatedly and tried to claim they were a law firm and they handle different matters. When I asked for proof of the debt they said theyd file against me in court since I wouldnt pay and hung up abruptly. After doing a search online it seems this debt collection company possibly with the name Unity Assets or something similar uses these tactics to scare people in to giving them money over the phone.
Consumer complaint received 2018-09-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I have not received receipt of my Mortgage Loan Modification Application I sent via certified mail for the past 3 months. 
BANA has removed my ability to upload documentation to my borrowers portal making it impossible to provide additional documentation should you require it. 
BANA has failed to remove my loan from a foreclosure status though they have been provided ample and adequate supporting documentation providing you the proof that my loan application was received XX/XX/2018and moved to an attorney for foreclosure purposes less than 2 weeks later.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX / XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX  # xxxxxxxxxxxx XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-09-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (MI)

Discover Student Loan policies are designed to maximize interest charged. You are forced to sign up for autopay or you will pay 0.25 % more. The autopay can take out anywhere for 1 to 3 days to take out payment. I pay average of around $ XXXX/month or more in interest, so you are looking at up an extra {$60.00} dollars interest per month. 

In addition, the information in account balance, monthly statement and student loan history ( which can be requested after struggling with hours of arguing with customer service ). 

Any time you make any changes to your account, discover re-calculates your interest and increases it. 
There needs to be transparency and illegal practices need to be stopped. I would like beg to lawmakers or anyone who can help to please -please -please don't torture the payer. I am already paying so much interest and making on-time payments plus taxes. Can anyone help. I have paid more than originally borrowed amount. I am not asking for forgiveness, I am asking for transparency. I need to know where my hard earned dollars are going??????
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX # xxxxxxxxxxxx XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

A Hard Inquiry on XX/XX/2022 was placed on my credit report by Capital One. The was no account number or card number provided by Capital One when i had called, I'm assuming there wasn't a card sent out. I would like for this hard inquiry to be dealt with.
Consumer complaint received 2021-11-19
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: TRUIST FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX LLC Account Number : XXXX This is not mine. 

4. Identity Theft SUNTRUST BANK Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-19
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: DISCOVER BANK (NY)

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc. (TX)

My debit card number was compromised and on XX/XX/XXXX and XXXX I had XXXX debit withdrawals from XXXX that totaled {$3500.00}. That pretty much drained my bank account. I called Sofi and they filed the fraud complaint but they told me it could be up to 90 days before I can receive my money back. This was obviously fraud and I think it should have been caught after a few debits but it wasn't. I called the Member Security Office but they don't answer the phone so I left messages and no one has called me back. I asked for a provisional credit but it has not happened. I am XXXX XXXX XXXX and it is very difficult not having my money.
Consumer complaint received 2018-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

This is related to XXXX XXXX XXXX , XXXX and HSBC Beneficial. In XXXX my wife and i took out a HE Loan with Beneficial Mortgage ( HSBC ). On XX/XX/XXXX and XXXX XXXX, My wife and I signed documents related to a First Lien deed of trust for the home equity loan with Beneficial Finance. I cant explain why this was done twice or for what purpose, but the fact is both were filed in XXXX County, TX. I have paid my loan as agreed, then, around XXXX of XXXX, Beneficial sold my loan to XXXX, XXXX. There is a transfer of lien filed at the county that reflects this. The transfer references the loan #, but only references one of the instruments or liens that was filed. I paid my loan off in XXXX and received a release of lien from XXXX for the lien they assumed from HSBC, the FLDT dated XX/XX/XXXX. I went to apply for a home equity about a month ago and was told there was still a lien filed with the county ; the lien filed on XX/XX/XXXX by Beneficial. I am being told by XXXX XXXX , XXXX that they can not release the lien dated XX/XX/XXXX as it was never transferred to their name, and they are not the lien holder. I told XXXX  the lien they assumed was invalid, as there was already a FLDT filed at the county, and one could argue that any payments i made to them were done so without a proper lien. I explained that I felt it would be in their best interest to help resolve this matter. They stated they had done all they could do. I can not contact HSBC Beneficial other than by mail, which i have done as of today. In this day, with all the access to technology we have, it is unreasonable for them to not have a means by which a customer can contact them other than by mail. I would appreciate your help resolving of this matter.