davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

A charge was made to my credit card ending in XXXX on XXXX XXXX which when reviewing my status, I called Bank of America fraud area to open a claim, which they told me in 3 days that it is not possible to approve my claim, which I called again to dispute the response and again they rejected my claim, but this time indicating that they would send me their response to credit reports ( I found this as a threatening way against me, to stop continuing with the dispute, which I called the bank again and I still have no response, it is XXXX dollars, but What hurts me the most was that I have been with them for 4 years, trusting my money and my company, and when I need their help they treat me like a stranger, their way of responding to a client who trusted them
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : ACCOUNT NUMBER XXXX XXXX XXXX I qualified for Public ( Student ) Loan Service Forgiveness and my student loans were forgiven by XXXX XXXX on XX/XX/2022. 

However, in a previous correspondence/letter, XXXX XXXX ASSURED ME that XXXX XXXX will be reporting my forgiven consolidated amount of XXXX to the Three Credit Bureaus as XXXX PAID IN FULL ''. 

THIS IS NOT THE CASE. XXXX XXXX is wrongly reporting to the Three Credit Bureaus as " PAID.CLOSED ''. PAID/CLOSED COULD BE FOR DIFFERENT REASONS, BUT PAID IN FULL IS WHEN THE ACCOUNT IS PAID IN FULL TO XXXX XXXX XXXX THE DIFFERENCE BETWEEN " PAID IN FULL '' AND " PAID.CLOSED '' IS HUGE. If XXXX complete their obligation to Report my XXXX loans to the three credit bureaus as " Paid In Full '', then my credit score will be increased. When XXXX XXXX is reporting that my newly consolidated student loans are ONLY " PAID.CLOSED '', that reflects negatively on my credit score, because XXXX does not direct the three credit bureaus that my student loans are FORGIVEN OR PAID IN FULL BY THE GOVERNMENT. 
THIS IS WRONG. 
See the following explanation by XXXX : " The Difference Between Closed and Paid-in-Full. - Revolving accounts, like credit cards, are referred to as " closed '' when the account can no longer be used to make charges.Credit card accounts will show " closed '' with no balance rather than " paid in full '' so that there is no confusion about whether the account is open to new charges. Paid, '' or " paid in full, '' is the term applied to installment accounts, like car loans/student loans, after the last payment is made and you have completed repayment of the loan as agreed. XXXX XXXX, XXXX XXXX  XXXX ''
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: STERLING JEWELERS, INC. (PA)

I've been paying my card faithfully on time. It says my credit limit is {$1000.00}, my balance is {$740.00}. It says available credit is {$0.00} and it will not allow me to use my card. I didnt receive anything saying why. They don't offer online or email contact and with my schedule I cant call to fix this.
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

1.She pulled our credit report Four times without our permission 2.long time no respond .we asked her many times processing time, but she hold our case over half a years .waste our time and money.

3.because of Covid-19, she went back to XXXX so communicate so touch and hard to connecting.she is not professional 4.She told us no closeting cost on refinancing.But she charged us $ XXXX on Commission fee .No work ethic and moral.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Verified First, LLC (CO)

I had a credit report pulled for employment and my parents address came up in XXXX, FL for a debt from XXXX. I have not lived with them since XXXX of XXXX. I believe my parents may have used my social security number behind my back.
Consumer complaint received 2022-07-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (TX)

Date : XX/XX/XXXX Amount : $ {$3300.00} Email : XXXX XXXX XXXX Southwest Recovery Services with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX from XXXX to XXXX XXXX XXXX to XXXX I received an email from Southwest Recovery Services with XXXX XXXX XXXX in regards to a collection amount of {$3300.00}. I have already gone to court and the judge already granted the decision for me to pay XXXX XXXX XXXX in the amount of {$2900.00} in XX/XX/XXXX. XXXX XXXX XXXX is requesting more payments after XX/XX/XXXX when I am no longer living on the property. XXXX XXXX XXXX is asking for XXXX and XX/XX/XXXX Payments.
Consumer complaint received 2021-11-11
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX/XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of Inquiry XXXX XXXX XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX/XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX
Consumer complaint received 2020-07-31
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. (FL)

I have disputed the information with Equifax and they continue to report information that was disputed in XX/XX/2019. This is not my account and I've completed an identity theft report. I was part of the breach through Equifax and informed them in the past that this is not my account.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (NY)

I contacted the company " professional debt '' letting them know that they have an account on file with my information that was fraudulently created. I have never done business with them or any of the clients that they represent. This account is the result of identity theft which I proved to them multiple times yet they refuse to remove my information from their systems. I demand that this file is blocked from my credit report immediately. they are trying to blackmail me into paying a debt that is not mine. I will be taking this to court if it is not resolved in 21 days. I will be suing for defamation of character.
Consumer complaint received 2024-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PNC Bank N.A. (CA)

On XX/XX/2024 @ XXXXXXXX XXXX I called PNC and talked to XXXX XXXX, Sr. Mortgage Loan XXXX XXXX ID : XXXX and he stated the phone call is being recorded*. At that time I stated I had several home mortgages with PNC and called them first, XXXX stated he was a Sr. Mortgage Loan Officer for many years and has won awards, etc. and after XXXX minutes he structured a loan for a condo in Oregon that we had an offer in on, the loan would have both my daughter ( XXXX XXXX and myself on the loan. 

I did explain she would be living there in the condo but I would be staying in California. I also stated I was willing to put 20 % down on the property. XXXX went through several loan options with rates and point and then he said ; I have a great loan! If I put down 25 %, he would lock 7.375 % / XXXX yr fixed with XXXX point. He said payment ~ {$1100.00}, closing cost ~ {$4400.00} and needed at closing~ {$57000.00}. He said he can lock it in now and we would have a one-time re-lock chance generally around closing, I said lets do it! XXXX took my credit card info for credit report ( {$130.00} ) and other personal info and called my daughter for her information. Loan reference # XXXX The on line process/timeline showed completed ; Fill out application Review and submit application Document upload and loan team review Submitted to processing Submitted to underwriting then on XX/XX/XXXX ( 11 days later ) XXXX XXXX calls and said he can not do the loan, he need to change the points from XXXX to XXXX or he can restart the loan all over from beginning. I stated we had a 30 day close in the offer and now everything is all messed up. I also stated that this was unacceptable and he is the one that ( I guess ) set-up the load wrong! How could someone that is a Sr. Mortgage Load Officer make this type of mistake? I explained very clearly the type of loan we wanted ( remember call are recorded ) and after 11 days and above ''Review and submit '', ''Document upload and team review '', ''Submitted to processing '' and ''Underwriting '' and now I have to pay XXXX point not XXXX point, that seems wrong like 'bate and switch '. 

If XXXX XXXX did his job and gave me the correct information originally I would have not wasted 11 days!!! I'm very upset and he now has jeopardize us getting this condo and losing our earnest money! 

Very unprofessional of PNC and XXXX XXXX
Consumer complaint received 2018-05-10
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. (CA)

XXXX and transunion both are reporting inquiries to my credit report that are not mined. I am a victim of identity theft and I've sent a copy of the police report to XXXX   by fax and received a confirmation that it went through, they're claiming they have not received it. Transunion provided me a fax number that the confirmation confirmed was a poor line and was not successfully submitted, they advised me to mail in a copy, but at this point I dont have the time as I am going through escrow, I've worked with them to remove all inquiries that do not belong to me and to no avail. both have provided me confirmation numbers XXXX # XXXX Transunion # XXXX
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Experian responded by saying : In your complaint, you indicate that a bankruptcy continues to report on your credit report. You are requesting the removal of the information. According to our records, the disputed item does not appear on your personal credit report at this time. 

But this is STILL showing up on my credit report. Experian please remove and send a corrected copy of it being removed. As of XX/XX/2021, this is still showing up on my credit report. I have attached a file so that you can see it.
Consumer complaint received 2021-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services (CA)

SEQUIOA FINANCIAL SERVICES XXXX - Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA. Please remove immediately. Also, talked to the company & they themselves lack any info & agreed to remove it. Please delete.. 

SEQUIOA FINANCIAL SERVICES XXXX - Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA. Please remove immediately. Also, talked to the company & they themselves lack any info & agreed to remove it. Please delete. 

SEQUIOA FINANCIAL SERVICES XXXX- Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA. Please remove immediately. Also, talked to the company & they themselves lack any info & agreed to remove it. Please delete.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

In XX/XX/2021 while shopping in Macys, the cashier advised I was eligible to up grade my Macys citi bank card to a Macys XXXX  XXXX  card. I accepted and continued to shopping. I was told my previous card is no longer valid and I can not longer use that account and my balances would be transferred over to my new card. I continued to use my credit card and payments. In XXXX, I begin receiving letter advising my account is past due. I continued to received more letters and I also called the number in the letters, to be told each time my account is good standing and they can see my bill was paid. Then in early XXXX I received a collection bill. I not only called, I went to a Macys store. I also filed a dispute with the collection agency. Another week letter, I get an actually bill from Macys. I call again and they say my account is in good standing and to call back next MonthXXXX XXXX if I get another bill. This unacceptable. This could affect my credit. No one is taking me seriously as I have been trying to resolve this for XXXX  months! Valentines day, I received an email from Macys saying they are referring to a collection agency. I have called numerous times to get this resolved. I have been harassed by these letters and I also feel discriminated against. I would to have this resolved as soon as possible. I have also filed a complaint with the XXXX. I will continue to pursue until this gets resolved. I have provided the Citibank notices, collection notice, Macys statements, and bank statements show numerous payments. These last XXXX  month I have experience extreme frustration, XXXX, XXXX  and XXXX  trying to get this resolved to no avail. I have excellent credit and I do not want this to affect my credit. I pay all bills on time.
Consumer complaint received 2020-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

I originally filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and the company responded on XX/XX/XXXX. In short, back in XX/XX/XXXX, my spousal consolidation student loan with American Education Services ( AES ) was placed into forbearance against our request. When our monthly account payment was not debited as normal on XX/XX/XXXX, I called American Education Services ( AES ) and was surprised to learn that our loans were placed into forebearance. Since that time, I have been engaged with AES through approximately 10 phone calls and multiple hours on the phone to correct the forbearance issue and also resume a similar monthly payment schedule on our loans. 

As of late XX/XX/XXXX, AES did correct the forbearance issue and was able to remove the forbearance from the account and correct other delinquencies which were listed on the account as a result of the forbearance error. We appreciate these corrections. Due to the forbearance, however, AES also explained that they had to redisclose the terms of our consolidated loan because the account was placed into forbearance. I was originally told that my new monthly payment amount would be {$560.00} and would be auto debited on the first of each month to begin on XX/XX/XXXX. Unfortunately, no payment was debited from our account on XX/XX/XXXX as promised/stated and I had to log in and do a manual payment after XX/XX/XXXX. I have been regularly monitoring the account through XXXX and I can see that the direct debit payment amount is still incorrect and the payment terms that I have been quoted multiple times have also not been updated. 

Since being assigned an AES senior account specialist, XXXX, I have been assured that the terms of our loan would be redisclosed with an end date in XXXX and that our monthly payment amount would be approximately {$560.00}. When I log into my account on-line, however, AES is showing my monthly payment amount of approximately {$350.00}, but this is incorrect. I want to request that AES update my online account and monthly direct debit to the amount and loan terms that I have been quoted multiple times on the phone. Again, the monthly direct debit amount should be close to {$560.00} with the loan repayment being completed sometime in XXXX.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX false reporting account after it was already settled and paid off the information shouldn't have been shared to XXXX, XXXX, or experian due to false reporting under FCRA IT IS TO BE FIXED OR REMOVED WITHIN 30 DAYS THIS ISSUE WAS REPORTED MULTIPLE TIMES THRU THE 3 BUREAUS.
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Hello I have an open account with Coinbase ( XXXX XXXX ) which was working perfectly until the XXXX of XXXX in which my account was put " under review '' by them being unable to trade, deposit or withdraw any asset. 

The message is the following : Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. 

I hold on this account XXXX USDC which is an stable cryptocurrency that keeps the same value as the United States dollar, therefore, I am unable to access my money. 

After doing my research I found out about many people with the very same problem and the account frozen for months. 

I have been in contact with the company twice and they literally told me to wait and never explained why they decided to freeze my assets as my account is completely verified. 

On the first e-mail I have sent, they replied this : Hello XXXX, Thank you for contacting Coinbase Support.

Your account is currently being reviewed and our team will need time to verify your information. During this review period, you will not be able to use the Coinbase platform. There are a variety of reasons that impact the services that we can offer you right now, including our security, compliance and operational procedures or your geographic location. 

In the meantime, if you can take a moment to review the following : 1 ) Please make sure that youve uploaded your government-issued photo ID here : XXXX XXXX XXXX 2 ) Enter your personal details here : XXXX XXXX XXXX  3 ) Provide us with some insight into how you will use Coinbase, your employment and your source of funds here : XXXX XXXX XXXX Please note that due to a high number of requests, account reviews are taking longer than usual but our team is working hard to get to yours. 

Regards, Coinbase Support After doing everything they said and still having the account in the same situation, I contacted them again saying I would like to close my account as this is unacceptable and they replied this : Hi XXXX, Thanks for following up with us. We appreciate your patience. Our team is working diligently to review your account. 

At this time, you do not need to take any additional action. Please do not submit another request related to this issue because doing so could cause a delay. We will contact you as soon as we have an update. 

We look forward to supporting you. 

Regards, Coinbase Support All in all, I can not withdraw almost XXXX XXXX dollars from the account and I hope you can help me as many user with the same problem had it solved thanks to you. 

Thank you.
Consumer complaint received 2022-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I was contacted in XXXX of this year XXXX by Phoenix Financial Services a debt collector stating that I owe a debt from a XXXX  in XXXX Fl that I have never been too. When I asked them to provide me hard proof they would not and laughed and said it is your debt and you will pay it or else. They only would give me the date of service and said it was from XXXX. There is no way any hospital would wait 5 years if I had outstanding debt with them. So I asked them for the name of the medical group they say I owed which is XXXX XXXX XXXX. I looked them up online since they would not give me a phone number and it came up as a place in XXXX, Fl. I have lived in XXXX, but I have never been seen at this location. I called the hospital and asked for their billing dept and spent an hour on the phone and they could not find me given the account number that is on the bill that Phoenix Financial sent me in the mail. They have never heard of the group and they searched for me up by my social, name and everything and have no record of any visit at their hospital ever. So today XX/XX/XXXX I get a alert on my credit report that there has been a collection placed on my XXXX report for {$120.00} from Phoenix and this is just wrong and hurtful. They have harrassed me daily with calls and they are rude and wont give proof that this is my debt which is it not. I had Medicaid in XXXX and all my debts were paid by Medicaid.