davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NJ)

National credit system is staying that I {$11000.00} for an apartment that was vacated..and given a ample time to get the apartment re-rented ... the amount is incorrect and I would like proof of the amount also whenthe apartment was re-rented after it was vacated I have disputed this with XXXX XXXX.XXXX and XXXX and they all say verified but no paper work is provided of proof showing the amount owed..in detail..
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

The US Bank at XXXX XXXX XXXX in XXXX XXXX, CA XXXX flagged my stimulus check because we are XXXX XXXX XXXX. They froze my account, and when I came to inquire, they said they closed my account since the deposit also had my wifes name on it. I brought my wife, marriage certificate, and tax returns to the bank, but the Vice President of the bank, XXXX XXXX refused to keep my account open so my tax return could be deposited because she was upset about our demand for our marital monies. I feel discriminated against, and she made it a point to say she closed the account because she was upset. She also said they dont recognize XXXX  XXXX marriages in their algorithms. This discriminatory process coupled with Ms XXXX bigotry and pettiness has put my family in a financial bind, unable to access my stimulus or tax returns, during XXXX XXXX  month, and to an essential healthcare worker during a pandemic.
Consumer complaint received 2022-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

XXXX XXXX  {$750.00} XXXX XXXX account is settled and they agreed to remove it off of my credit report.-closed XXXX XXXX XXXX XXXX {$100.00} I closed this account because someone opened this account in my name and I paid it off and they agreed to have it removed-closed XXXX XXXX Capital one {$300.00} I dispute this charge and it came right back the account is settled -closed XXXX XXXX
Consumer complaint received 2018-04-18
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: EQUIFAX, INC. (AZ)

XXXX won't let me gain access to my equifax report. it says that i can not accurately identify myself though the questionnaire after several attempts. i am assuming there is some form of credit fraudulence on my report which i don't know about and can't confirm my own identity ... 

equifax doesn't have an easy way to review my credit report like XXXX and XXXX do.
Consumer complaint received 2021-06-02
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: Experian Information Solutions Inc. (MI)

I have contacted the Bureaus XXXX  XXXX, and Experian, I have received confirmation from the US Bankruptcy Court Stating they did not furnish my personal information to the reporting agency. I demand to have this Bankruptcy removed from my profile as it is in violation of my rights and they have obtained my information without my consent from public records.
Consumer complaint received 2021-06-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (NY)

Started the refinance process in late XXXX, provided paperwork after paperwork. Went though the month of XXXX and though XXXX. They kept asking for more documents. I received about eight closing notices. Each time expecting to get the loan finalized. Then, I needed more documents. I would ask, do you need anything else, and they said no. Then, they needed more, I have many emails in which they tell me they have everything. Then, I get the loan is in final approval in the underwriting department, thought we were going to close. Then, no, needed information on my forbearance notification. This came after three months of telling me they had everything. Now, I get the forbearance thing was new, but after three months they didnt t know this?

I really think the loan officer was trying, but the underwriter kept asking for more. No one from the mortgage company tried to call my bank, on a three call to verify that the forbearance has been moved to the end of the loan. I would of hoped that they would have reached out to FHA or someone that was familiar with the process. 
Bottom line is I want my loan approved and we can move on.maybe you can tell them how to get it done.
Consumer complaint received 2022-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

FLAGSTAR BANK sent a loan modification agreement in XXXX XXXX, which I have been making payments on consistently since XXXX. They sent the documents with the wronf name and I could not sign them. I have been calling every week since XXXX and have spent countless hours on hold and talking to them. I was assured time and again that I would receive revised documents in the correct name. They have had proof of my name change since XXXX XXXX  XXXX. XX/XX/XXXX, I received a new loan modification agreement in the wrong name and a higher payment by {$200.00}. I was then told after calling 4 times, that i would get corrected documents with the original modification terms. On XX/XX/XXXX, I received documents in the correct name, but the higher payment. They told me that FHA won't accept the original loan modification because it expired. It is Flagstar 's fault that it expired, and I was assured that so long as I made payments according to the agreement, I had nothing to worry about. FlagstaXXXX has given me 10 days to sign these new documents. Also, I was told by abother department that the balance listed on my partial claim agreement is higher than what is actually owed. I am now requesting an accounting of my loan and payments.I contacted FHA, and they have no record of stating they will not accept the prior agreement.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southwest Credit Systems, L.P. (DE)

On XX/XX/2022 at XXXX XXXX, Southwest Credit texted a shared company phone line, XXXX. The line is owned by XXXX XXXX XXXX XXXX and the message was seen by numerous employees of the company. The message read as follows : This message is from Southwest Credit, a debt collector. Call XXXX or visit us online at https : //www.swcconsumer.com Reply STOP to opt-out. 

Clearly they say a debt is owed. The phone number is not owned by me, XXXX XXXX, but is used primarily to contact me for work reasons. But this phone does change hands on job sites for other workers to use and complete parts of their daily tasks. 

As to how Southwest Credit got this number, I have no idea. 

Furthermore, I do not owe a debt to their supposed client, XXXX! Now I am being made fun of at work because of this message. My staff wont trust me. I may lose my job. Southwest Credit needs to rectify the damage it has caused.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Ive had a credit card with USAA Federal Savings Bank for more than 15 years and Ive never been delinquent. To avoid delinquency I schedule auto pay to ensure payments are successful and timely.

A few years ago, I discovered a 30+ day delinquent notation on my account and I called USAA . I was unaware that my autopay stopped. I didnt receive calls or information in the mail to avoid the situation. I asked if this could be waived and they told me they would remove the fee and negative comments. 

Its been almost 5 years and they havent removed the negative information. I have sent multiple emails and called to have the delinquent comments removed. This situation has affected how my family and I operate especially during the pandemic as I am trying to help my extended family in other ways. The delinquent information has really impacted my future financial transactions. Please remove the delinquency status from all three credit bureaus and the bank.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp. (IN)

I have been using World Remit regularly since at least 2017 to send funds to my friend in XXXX. I know this XXXX  man personally, and he runs a non-profit that helps vulnerable children, youth, and women. I send funds regularly to help with rent, educational expenses, medical expenses or food. I often send my own funds several times a month or funds on behalf of friends who are not tech savvy. I went to send funds again last Friday, and my account has been disabled. When I inquired with the company, they asked for some basic information including my last transaction number. The only response I got was that my account didn't meet their " approval criteria. '' I went back and looked at their rules and don't see anything I did wrong. They have refused to answer any further inquiries including on their feedback. Not only am I unable to use them to send funds, but my disabled account means I can't go back in and look up my history of transactions. In addition, I was needing to send funds over the weekend for a medical need and was unable to do so due to this arbitrary disabling of my account. This is wrong and dangerous. They have the right to decide I can not send through them, but I would like to understand what has prompted this arbitrary action. I would also like to see my history of transactions. I am currently finding alternative options, but it is disappointing that a company who made money on me for the past several years ( a company that I had recommended to others ) has behaved in this fashion. Please help.
Consumer complaint received 2018-05-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I was at XXXX XXXX of XXXX trying to purchase a new vehicle when I was told I had a {$25000.00} car loan from Wells Fargo under my name that was opened in XX/XX/XXXX and was behind on payments. I knew for a fact this wasn't me, because the only credit that should be reporting under my name is my lease Through XXXX XXXX and a secured credit card through XXXX XXXX XXXX, who is my actual bank. On XX/XX/XXXX I called Wells Fargo credit fraud department to report fraud/identity theft from this car loan. I would first like to add that they made it very difficult for me, transferring me to multiple different representatives to the point where I hung up and called back just so I could speak with someone who would actually help me. When I got on the line with someone who could actually help, I spoke with a gentleman named named XXXX who then transferred me to a lady named XXXX who is part of the customer care team. I learned that the person who potentially stole my identity went by the name of " XXXX XXXX ''. XXXX then transferred me to someone supposedly working in their " executive office '' who went by the name of XXXX. XXXX helped me out and made a case out of it and gave me a case number which is Case # XXXX and the agent that was assigned to my case went by the name of " XXXX XXXX '' XXXX gave me XXXX 's phone number with her direct extension so I could contact her. I tried reaching out to XXXX the very next day, XX/XX/XXXX, and left a voicemail and still to this day have never talked to anyone from Wells Fargo named XXXX XXXX. On XX/XX/XXXX, I received a call from Wells Fargo Auto Loans and I was informed that the reason why this {$25000.00} car loan was showing up on my credit score was simply because of what she said was a " ty-po '' and " human error ''. To me this is incredibly careless and in a way disrespectful that someone would not literally take the time to confirm, review, and confirm again that this is actually the right social security number. This is completely unacceptable to me and the 30-60 day window that they told me would take for this to be off my credit report really isn't an option at this point. I feel like Wells Fargo handled this situation very poorly for someone who is not even a customer with their bank and I feel like further action should be taken against them. Late payments on a car loan significantly destroys your credit which is happening on a daily basis every day that this is on my credit history.
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (SC)

I received a VERY rude and berating call from the representative at IQ Data INC. They constantly interrupt and cut you off. By far the most insulting experience from a company I have received. This was for an old apartment that I actually paid on time EVERY month and had proof I always paid and gave proper notice as well as completed my lease term. The company that reported to them does not even manage the apartment complex anymore. I tried to explain to the reps at IQ Data INC and they became insultingly rude.
Consumer complaint received 2020-07-28
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. (NJ)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX AKA XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MD)

Made a payment in mistake of {$1000.00} to American Express Credit Card ( XXXX ) taking care by XXXX on XX/XX/2022 from my XXXX XXXX  online account. That card was already closed. 

I put this issue to XXXX XXXX  at least 3 times and they said transaction is completed and money paid to American express. They are not giving me complete info. 

I contacted to American Express and they had no knowledge of that money, either by card number nor social security number. Remind it I have an active American Express card and I paid its bill of same amount of XXXX on XXXX XXXX in separete transaction. 

I also contacted with XXXX XXXX  many times and they also had no knowledge as well. 

End result I paid an amount to expired or closed account from XXXX online account and have no trail of money. I should get my money {$1000.00} back in my account.
Consumer complaint received 2018-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC. (MD)

Hello, ECMC has contacted me again regarding this debt that was closed on XX/XX/2017 because its not my debt. Now they're back to reaching out to me via email and telephone. Can someone please contact them and let them know this case was closed and its not my debt. I feel like I'm being harassed now.
Consumer complaint received 2021-02-12
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30days and I have not received any investigation results.
Consumer complaint received 2021-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (PA)

in XX/XX/2019 i owed a debt to XXXX in the amount of {$2500.00} i got into this program with XXXX XXXX XXXX inXXXX I made a payment in the amount of XXXX as they were taking the money out of my checking account on the XXXX of each month or whatever date my S.S came into the bank so i cameup with a settlement the amount would go to this company called XXXX XXXX XXXX. total amount to be paid was {$1100.00} now i was making the payments to themthen it went to this collection agency called XXXX XXXX then it got down to {$460.00} then it went to another called XXXX  and they were taking XXXX XXXXon the XXXX of each month i made 3 payments then i get this letter from UNITED COLLECTION BUREAU who says i owe {$1800.00} i have disputed this many times sent the documents
Consumer complaint received 2018-05-08
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: ALLY FINANCIAL INC. (IL)

After paying off my Ally auto loan, they claim to have sent me my car title within 3 days of payoff but I have yet to receive anything. I kept checking the USPS website to see if it has come through yet but never saw any correspondence from them. After more than a month passes I call them again to request the title and they confirmed that they do not have the title so they can only send me a lien release letter which means I have to go through the trouble of filing paperwork for a duplicate/lost title that costs upwards of {$95.00} or more here in Illinois. As I do not believe they ever sent me a title after after speaking with them over the phone I kindly request assistance in what my options are in this matter. I have been researching this online and it appears this has happened to other people as well. Thank you for your time and consideration.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I spoke to two different managers, and was refused to be mailed a check for the refund I am about to receive for a purchase I previously paid over a year ago. I was also told I was not allowed to record the call even after I stated Texas is a recording state.
Consumer complaint received 2021-05-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$280.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-05-08
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: AMERICAN EXPRESS COMPANY (CA)

XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an account opened with American Express Bank XX/XX/2018 and a balance transfer was made using her information without her consent. An official dispute of this activity and account was sent to American Express Bank XX/XX/2018 however as of this date no reply or any outcome of investigation has been received. This is a violation of the FCRA and my client 's consumer rights.
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 10 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2018-05-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

I locked my coinbase account because I thought someone else was trying to login to it but I was mistaken and it was just a prior login I had attempted but put in the wrong info. On XX/XX/XXXX I requested that the account be unlocked so I can have access to it. I generic emails from coinbase and responded to them and each time I respond it says that I can't respond to the emails even though it says to respond directly in the emails. I have called customer service upwards of 10 times over the last 4 months. I have been assured that the case is being handled and then a few times they even admitted that they messed up and the case was just sitting there. I most recently received an email on XX/XX/2018 which seemed like someone was actually looking at the case and he said in the email " After youve taken steps to secure your e-mail and phone, please respond directly to this email to request access to your account be restored. '' So I responded to the email and go the automatic response again! The auto response says " Thank you for contacting Coinbase. 

In an effort to respond more rapidly to support requests, direct emails to this address are no longer enabled. 

To get a response from our support team, please visit the following page and complete the request form : https : //support.coinbase.comXXXX  Please use the email address that you use to log in to Coinbase, select the appropriate category, and include as much detail as possible when submitting your request. 

Thanks in advance for your patience and support. '' But I am not going to continue to submit tickets to create new cases if they can't even answer and fix my first ticket. 

I just want access to my account and the support I have received to far is borderline fraudulent that it has been 5 months and I still have no access to my funds on coinbase and there is no sign that I will get access to them soon.