davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (TX)

I was an XXXX XXXX XXXX customer back in XX/XX/2018. I cancelled the service and returned the equipment. A year later I noticed a collection on my credit which dropped my credit by 27 points from AFNI. I reached out to XXXX XXXX XXXX and they informed me that they would investigate the account. At the time I could locate the receipt that was handed to me at the XXXX store in the XXXX area. I later received a check from XXXX XXXX XXXX and thought that they had located the equipment and that everything was ok. I am at a point where I am trying to get my finances together and wrote a letter to AFNI and asked to resolve the issue by settling the issues ( basically a pay for removal from my credit ). So they responded with a verification letter, which details that the balance was for unreturned items. I found my old phone in my storage unit and found there receipt detailing the equipment was returned.
Consumer complaint received 2021-07-27
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACS Education Services (GA)

DEPTEDXXXX They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). 
Dates : XX/XX/XXXX- current. 28 accounts that they have transferred to collections. 
Amounts are as follows : {$2000.00}, {$1200.00}, {$1100.00}, {$3500.00}, {$2700.00}, {$4000.00}, {$7900.00}, {$2300.00}, {$3300.00}, {$2700.00}, {$3500.00}, {$4500.00}, {$6000.00}, {$3500.00}, XXXX They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). {$790.00}
Consumer complaint received 2019-12-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Instarem PTE Limited (GA)

Company name : Instarem Remittance Company is holding my personal data in electronic format even though there was no monetary business taken place.. company is refusing to delete my personal data and giving all sorts of over the top inadequate response and closing complaint each time.. this is the third time Im opening up a complaint.. Not convinced with company approach in answering concerns
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo did not allow me to access my funds this is the second time it has happened causing me great harm because I was not able to do things I wanted with my funds. In addition today I had a very important business meeting. I went to the bank to access a transfer which was sent to me to only find out that it was denied in addition I can not access any of the money in my account or use any of their banking services. I could not even put gas in my car and go to work. I could not purchase lunch once I did get to work
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has denied my refinance based on inadequate insurance. That in itself isnt why Im registering a complaint against Wells Fargo. Wells Fargo has used my application for refinance as a method of extracting funds from me for their own profit while knowing at the time that I would not qualify for refinance. Wells Fargo took fees from me for an appraisal and credit report at a time they had the information about my insurance that they used to disqualify my application. Wells Fargo services the existing first mortgage on the same property. 

After they indicated that they would not allow my refinance with them they refused to release the documents that would be needed to transfer that appraisal to another lender so that I could use the appraisal I paid for. The reason Wells Fargo will not release the document that would allow the transfer of the appraisal I paid for is because that document would show that Wells Fargo actually charged me more for the appraisal than they paid for it, making money on that appraisal while knowing they would deny the refinance. This is unscrupulous and is proof that Wells Fargo extracts funds from unsuspecting clients.
Consumer complaint received 2019-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

Santander bank funded my automobile purchase the first payment was due XX/XX/19 After The next best Business day XX/XX/2019 I noticed the funds have not been drafted from my account I called Santander bank to verify that they had to correct information I was brought to my attention that they use a third-party company and they will have access to that information. HUH? .When I went to their website directly, not knowing anything about a third party .This brings up the concern who has my information I didnt want to authorize this third-party .What relationship with Santander bank Have With this third-party and how is my information going to be used? Nevertheless my current past due I received a voicemail on a Saturday at XXXX XXXX  I called the next business day on Monday I explain the situation And I was told I will be a charge the fee what Surprise me was the agent said it will show at the end of the loan. Not wanting to deal with this I just called the agent lets go ahead and put the loan Com The questions are what is the fee? when will i be charged that fee? who is charging the fee? 

Why is Santander bank forcing consumers to use a third party? Does Santander bank profit from those extortion FEES?
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In XX/XX/XXXX, XXXX XXXX wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. XXXX XXXX XXXX XXXX confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with XXXX XXXX, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, XXXX XXXX XXXX XXXX was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to XXXX XXXX XXXX XXXX through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, XXXX XXXX has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where XXXX XXXX wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XX/XX/XXXX and they is INCORRECT!! Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XX/XX/XXXX-XX/XX/XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in XX/XX/XXXX.
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OR)

I held $ XXXXusd with Coinbase.com I made a withdraw request to have the money deposited into my checking account via XXXX on XX/XX/XXXX the transaction showed " complete '' I never received my money from coinbase. I have made 7 attempts to contact coinbase and they have provided me with no answers. 

I have now read hundreds of complaints of customers dealing with this issue. 

I feel like there is some serious fraud according with coinbase.com I have Case ID : XXXX from coinbase
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

On XX/XX/2021 I requested an increase with the credit card company. They denied my request. XX/XX/2021, I received a letter from them stating my account is being closed due to " A delinquent credit obligation ( s ), either paid or unpaid ''. I called the company immediately asking why my account was closed. The gentlemen stated based on my current credit, it makes me to risky to be a customer holding a credit card with them. I believe this to be discrimination and unlawful. I have had a credit card account with this company for over 4 years now and have never missed a payment or had a late payment. THe gentlemen I spoke with even said, " I see that you have a good payment history with us. '' This company closing my account with those remarks has affected my credit score.
Consumer complaint received 2019-12-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

They called from a VIOP number. They asked for me and I said speaking and hung up. They do this repeatedly throughout the week. I called back and asked their business and the woman pretended that she did not hear my question and just kept asking who is this? 
The business name is XXXX but when I look it up it is Health Care Recovery Group.
Consumer complaint received 2019-12-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (IL)

This alleged Debt appeared on my file on XX/XX/2019 in the amount of {$760.00} not sure from whom but this is not my debt and i do not have a contract with ABILITY RECOVERY SERVICES and and this this account is fraudulent and needs to be removed before i take legal action and will not hesitate.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (AZ)

After purchasing my home, I attempted to stop all junk mail addressed to previous residents. However, the USPS informed me that all third class mail ( credit card offers in this case ) would NOT be returned to sender when I marked them as such. 

Therefore, I called the companies directly and told them to remove all instances of my address from their mailing lists. I also contacted the XXXX  XXXX XXXX to file a complaint about the specific LLC that was clogging my mailbox with all of their offers from XXXX and Chase as I felt there could be fraudulent activity. 

Now after two years, the problem as grown. I am XXXX XXXX and have a dependent with XXXX XXXX XXXX. Often, important mailpieces are drowned in the trash coming from the harassment of the unwanted solicitations. 

Please help me learn how to stop this harassment. Each time the companies claim it will be 6-8 weeks, but I have documentation that it has stretched multiple years. I believe they have corporate policy to not ever stop such activity, or they have automated systems that send more mail than they can control. 

I am on all voluntary lists for eliminating direct marketing, but I feel they are harassing me by sending mail to previous owners/occupants. 

Thank you for any assistance you may provide.
Consumer complaint received 2022-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (OK)

On XX/XX/XXXX, I noticed that University Accounting Services ( UAS ) was charging interest on my Federal Student Perkins loan throughout XXXX, but stopped in XXXX. I reached out to them to get it corrected. I followed up on XX/XX/XXXX and XX/XX/XXXX and have never heard back from them. They did, however, immediately start charging me interest again starting in XX/XX/XXXX. The only thing that has come out of me contacting UAS for help was they starting charging me interest again. 

I need to pay this loan off an University Accounting Services fraudulently charging me more than {$400.00} in interest, plus ignoring my repeated requests for assistance, has caused me not to pay off this loan yet.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

I have been trying to sign up for Experian.com and am unable to complete the registration process or even reset my password. 

The online system seems to know who I am, has my login information, but when attempting to correct the information online I get the following response : " We have encountered an irrecoverable system error. '' Call us TOLL FREE at XXXX. 

When you call that number ( or any other Consumer Number offered by Experian ), the Telephone-Tree only offers to send you back to the online site at experian.com and hangs up. No offer to speak to a real " human being '' is offered and any attempt to contact Experian has similar results. 

Currently, there appears to be no way to resolve this matter. I am not confident in Experian 's ability to offer credit services for consumers at this point as they do not offer any way to talk to a human being. 

Please have a representative from Experian contact me to resolve this matter.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (FL)

I refinanced and PHH Mortgage purchased the loan. I placed myself on autopay, as I have done for every mortgage for the last 15 years. PHH asked me to mail in something to place me on autopay, which I did and my autopay started. PHH mistakenly removed me from autopay. I found out and made several calls, all to which they advised nobody was available to discuss this with me. On one call in the beginning of XXXX, they said there was nobody that could answer the phone at all and to try back another time. I have had nothing but trouble with PHH Mortgage. They did not disclose the problem with autopay until XXXX when they reported this to the credit bureaus and my scores dropped from the XXXX XXXX to the XXXX XXXX. I HAVE NOT RECEIVED A SINGLE LETTER FROM THEM OR I WOULD HAVE DEALT WITH THIS IMMEDIATELY. THEY WILL LE AND SAY THEY DID BUT WHY WOULD I BE DISHONEST? WHY WOULD I RUIN MY CREDIT IF I CAN ABSOLUTELY AFFORD TO PAY MY MORTGAGE??? I am about to lease a new car and sell this property and now I can only sell my property. I can not rent because of the credit score that PHH mistakenly reported was late. The mistake was on THEIR END. I have never made a late mortgage payment, ever. They even agreed to waive the late fees I already paid to bring my account up to date. This is clearly an admission of their mistake. They have still failed to advise the credit bureaus of THEIR mistake and this has impacted my life terribly. THIS EXACT SAME ISSUE OCCURRED IN XX/XX/XXXXWITH PHH!!!!!!!!! On XX/XX/XXXX, I called PHH AGAIN! at XXXX. I spoke to someone to explain the problem again and asked for the escalation manager. This was at XXXX XXXX. After holding for 9 minutes, someone came on the alone and said there was a bad connection and disconnected me!
Consumer complaint received 2021-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  please let XXXX  and Transunion stop reporting fake information. I do not know this account and its not mine. It is a fraud, thank you for understanding and I hope u will remove it soon after investigation.
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/2019 my checking account with Bank of America was locked out with no access, no phone call and no email from the Bank. When I called to inquire what was going on with my account they sent me to the " account closure '' department where the representative told me my account was being closed by the bank with zero explanation why. My XXXX year old step daughter recently started a job and while we were in the process of opening her a student account I had her sign her pay checks over to me in order to deposit them and gain her access to her funds. I have never had any issues with a check being signed over " pay to the order of '' with any bank before. The check was valid and signed. I have still never received any explanation from Bank of America as to why my account was closed, but I am assuming it is in connection with depositing my step daughters pay check. It has been almost 30 days and the Bank has not sent me these funds even after closing my account with no explanation. This practice is ridiculous and I want my funds returned to me ASAP.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my second complaint with the CFPB regarding the inaccurate information on my credit reports. I sent a request to investigate inaccurate accounts on my credit report on XX/XX/XXXX. It's been 45 day plus since I sent my inquiry, its now XX/XX/XXXX and I have not received a response nor have it been resolved with the credit bureaus or the CFPB. I want to finance a home but the inaccurate, erroneous information on my credit report is stopping me from achieving that dream. My first complaint with the CFPB was closed because the credit bureaus is not taking my complaint seriously. My next step will be filling a lawsuit, if this isnt resolved immediately!
Consumer complaint received 2021-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Following accounts was disputed FOR ACCURACY several times but no investigation was ever conducted : XXXX XXXX Inquiry XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per my conversation with Transunion Representative today XXXX they have never received letters in mail. 
However attached is my certified return receipt to prove that they actually received it at least 3 times. 
According to FCRA this account must be removed immediately.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NC)

Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2021-07-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (SC)

i want to know why thee is no help for people who have a fha mortage assitant program for people who behind with mortage payments who was behing with payments because they lost there income for 9 months because of pandemic but they have arental assisant program in sc for renters but none for people with mortages who facing the end of moritorim end of XXXX to keep there house out of forclosure give them a light line of people who had there house for 15 yrs or more facing this dilemma wrote XXXX XXXX no anwer in 2 months from white house on helping
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

my issue is not what i checked. i accidentally made automated payment for XXXX XXXX for XXXX dollars i quickly called to SWITCH it to XXXX. she said she cancelled it for SAturday. XXXX XXXX i asked her are you sure as i will bounce if it comes out today. she said yes. PLEASE pull call. this has nothing to do with any XXXX dollar payment scheduled she said she would cancel it and did not it came out today XXXX XXXX i am now overdrawn. or will.be. Please listen to call. 
I had asked for my interest to be refunded based on my long ter loyalty all i get are scripts i know its vaid i know how to avoid it. what i will be avoiding is the use of this card for a while all of my cards please do something for what i have endured here. i asaked for XXXX dollars to be cancelled for XXXX XXXX now i have problems due to your mistakes. Please no scripts about the interest for XXXX bucks they can lose my business. My record is exemplary and i know the rules times are tough i wanted loyalty alli get are problems and scripts.
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

This is an effort to call for accountability for Bank Of America. I opened the card with an XXXX balance last year, and with no late payments, no significant changes to my credit report or any other just cause they reduced my credit limit by 50% to XXXX, in spite of sending me junk mail for new credit cards?!I have made a series of on-time payments using automatic payments from the Bank Of America website of $XXXX. My account has been in good standing for several months.Now on XX/XX/XXXX I get an email from XXXX XXXX telling me that my account is past due, though I my bank account was drafted on XX/XX/XXXX. Now how is it that XXXX XXXX can send me an email to notify me, but Bank of America can't?! How can Bank of America justify damaging my credit, when I made a payment 10 days ago?! Do they not have a system to automatically email customers when certain conditions are not met?!In my humble opinion this is a quintessential example of everything wrong with consumer banking from the banks that took taxpayer money to cover their losses in the last recession.