davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TN)

My son and I received a final " move out '' bill on XX/XX/2019 for {$520.00} from the apartment complex that I cosigned for him and his girlfriend to live in. 

My son gave the apartment complex a money order for that exact amount ( {$520.00} ) on XX/XX/ 2019. The apartment complex cashed that money order on the same day. 

We received a letter from a collection agency on XX/XX/ 2019 that we stilled owed this money. My son and I both called the collection agency numerous times as well as the apartment complex to explain this was already paid and each place told us to call the other company ( collection agency referred us to the complex and the complex referred us to either the collection agency or the management company ). We both called the property management company of the complex that hired the collection agency who referred us back to the complex and/or the collection agency. Basically nobody claimed they knew anything about our payment or would help us find out where our payment went. 

My son was contacted via telephone by the collection agency and was threatened that if he didn't pay the amount over the phone immediately they would report it on his credit report. Even though he knew he already paid it, he paid them another {$530.00} on XX/XX/ 2019 with his credit card ( under my account ) over the phone. The collection agency had added an extra fee of {$5.00} to the original {$520.00} that was already paid back in XXXX. My son is only XXXX XXXX XXXX and was scared not to pay again. He had no prior dealings with a collection agency and they did not explain what he should do to prove he did not owe this money. 

Not only did we not owe this money anymore, but now the collection agency took it from my son again with an added fee on top of the original amount. 

I called the collection agency to get a refund, and they told me to send an email to a specific email address with a copy of the money order receipt that was originally paid. 

I sent an email on XX/XX/2019 to the exact email address the collection agency gave me including the copy of the original cashed money order. I did not receive a response from this email. I sent a follow up email on XX/XX/2019 with no response. I called them after receiving no response from my emails and they said they do not respond to emails. That is odd since they were the ones that told me to send the email. They told me it normally took approximately 30 days to process. After 30 days with no response, I called them back and they said the person I sent it to no longer works there. They then said I should mail the proof with a certified letter to their Compliance Dept. 

I did send a letter to their Compliance Dept requesting a refund on XX/XX/2019 including proof of original payment on XX/XX/2019 and the payment they took from my son again on XX/XX/2019 and still did not get a response. 

Thank you for your assistance in this matter!
Consumer complaint received 2018-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX. I received a letter stating they were closing my XXXX XXXX accounts, 2 roth ira and 1 XXXX college savings for my son. Called them to ask why and they said it was a business decision to end service with me and no further explanation was given. About a week later, another letter came in the mail and said they were closing my checking and savings account with no explanation. I have been on the phone back and forth with XXXX trying to rollover a different brokerage and now im dealing with my checkingsavings account. Called about that and they said the same. None of the customer service could understand it and tell me why. Been a loyal customer with bank of america for over 15 yrs and my mortgage is currently there so everything was fine. XX/XX/XXXX this morning i went to use my credit cards from BOA and guess what they are shut off. Called them and ask why and no answer was given except they can terminate anytime. Ive paid my bills on time with them have excellent credit so i couldnt understand why. after back and forth with customer service which i was polite to because its not there fault the banks did this, i ask what about my reward points ive accumulated, they said it was forfeited do to account closure. I have over 68K points on travel rewards and they wont do anything about it. No explanation, no reason. I have been on the phone for the past few weeks dealing with this. I think i should have been given the courtesy of an explanation and reasoning why this happened and after years of loyalty to the bank, they could have at least work something out even if we would not continue business together.
Consumer complaint received 2022-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

An attempt to dispute 2 medical debts with Wakefield and Associates one totaling XXXX dollars and the other totaling XXXX and 1 medical debts with XXXX on the total of ( XXXX ) was denied, but the bills are stated to have come from XXXX primary care physician and XXXX XXXX XXXX which are doctors offices I have never been treated at, I believe the information is inaccurate. A letter of validation was never received or documentation itemizing all services and medications that I may have received along with a copy of my signature given the company permission to release my medical information.
Consumer complaint received 2019-03-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IA)

Co-signed loan for my son in XX/XX/XXXX.He received XXXX XXXX in XX/XX/XXXX from social security with the understanding this loan would be totally forgiven even for the cosigner.Not the case as I was then held responsible by navient. We always thought this to be a federal insured loan but Navient now says it is a private loan. With fluctuate interest rate depending on prime rate each month.I have spoken with them a number of times about getting help.They have only offered solutions that will cost more money in the long run. They also said that I don't qualify for income driven payments and would not even consider total forgiveness.I am now XXXX years old struggling to live on social security alone, the payment each month has become a very heavy burden.I feel stuck under a rock without even a hard place to turn to.All I can say is please HELP, HELP, HELP!!!!!!!!!!!! I am considering default as my only option since over the ten years they have received more than the original loan amount.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NY)

On XX/XX/2022 Discover Bank shuttered my checking account. We I finally was able to get through to them a representative could not provide a specific reason why it was done. The only reason provided was a " business decision '' was made to close the account. I was then told the funds would be dispersed in 60 days. The funds amount to approximately {$4500.00}. I no longer have access to the account in any way. the {$4500.00} they are holding can not be replaced without great difficulty. I can not see what recurring payments were scheduled to go out or were recently sent. I was told a statement would be made available via mail. To do this to customer in good standing is abhorrent.
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (RI)

XXXX  XXXX XXXX  sold this debt to lvnv funding llc- they have been contacted by me and my power of attorney and they have not provided all the necessary documents that prove the validity of a debt
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (MN)

I Refinanced my home in XX/XX/2021 with Flagstar Bank, This repulsive process with Flagstar had taken about 18 months and approximately XXXX emails. 
They continually lost my information, made numerous excuses and have no Clue what they are doing. 
This is an extremely incompetent and dishonest company, who have misappropriated my funds. 

Instead paying the outstanding property taxes and XXXX insurance, which I solely paid over the past 2 years, Flagstar sent that escrow check to my Ex-husband, who was NOT entitled to it, and is stated in our divorce decree.

I've had numerous conversations with my mortgage loan officer, her supervisor and the CEO office, stating they disregarded what was stated in my divorce decree, which they have in hand. Their response is " There is nothing we can do '' and Do not contact us again. 

So here I sit, no escrow check from the previous mortgage in the amount of {$2200.00}. 
{$1800.00} in the hole with my current mortgage. 
And to top it off - Flagstar is now charging me a third time in my current mortgage to place funds in my escrow account
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (DC)

HSBC advertised {$750.00} sign on bonus after depositing {$100000.00}. I confirmed this offer with them in XXXX ( see attached ) and I completed the requirement on XX/XX/2018. Now it's been over half a year and I still haven't received the sign on offer. I attempted to contact them but now they say they can't find this offer ( see attached ). They have been very slow in responses and I've tried to contact them multiple times. Please let me know if you need more information.
Consumer complaint received 2018-12-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (PA)

In XXXX of 2018 I took out a {$500.00} loan with Money Lion. The loan agreement I signed said that I would be paying back {$19.00} biweekly. Since then I have kept up with every single loan payment as agreed to. 

However, Since XX/XX/2018 I have also been charged {$36.00} biweekly for a " membership '' fee. A membership that I neither knew about or signed up for. Multiple times I spoke with money lion in regards to refunding my money and stopping this fee, but they would not. My bank had to block them from charging the {$36.00} and only allow them to charge the {$19.00} loan payment, because I do want to pay back my obligation. 

My bank attempted to recover approx. {$800.00} that money lion has taken from me in the form of " membership '' fees. But they were not because MoneyLion provided them " proof '' that I signed a membership agreement. This agreement contains no actual signature just my typed name and a date. It does not even include a time or IP stamp to validate that I actually signed this. And the reason it doesn't, is because I never signed a membership agreement. None of my loan paperwork references this agreement. Moneylion just takes it out of your account by surprise.

I would like either proof I personally signed this agreement or my money refunded.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (TX)

Good afternoon, Yesterday, XX/XX/2022, I went to a Western Union on XXXX XXXX XXXX, transaction number XXXX. 

I explained I wanted them to receive in XXXX XXXX {$930.00} to pay for my bills there. The guy charged me {$8.00} for their fees. Fine. {$930.00} total. 

So, then the recipient sends me a photo of his receipt. He received the equivalent to {$810.00} aka XXXX XXXX. 

I called Western Union and they say the exchange rate is XXXX XXXX, when in fact the exchange rate is around XXXX XXXX per {$1.00} dollar. 
Its missing {$90.00} from my transaction. I was never told they are robbing us blind with this exchange rate. I was clear I wanted the recepient to receive {$930.00} there. Their bank did not charge any fee. 
I told Western Union they even refund me for the missing {$90.00} here or send it up there. It's almost 10 % in hidden fee right there! 
They said it isn't possible to correct that. So I'm trying to hold them accountable by reporting it to you guys. And hoping this issue will be solved. 
Thank you!
Consumer complaint received 2018-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MI)

I opened a checking account using an offer code for a XXXX dollar bonus to open an everyday checking account back in XX/XX/XXXX and I followed all the rules, but they did not award the bonus. After calling multiple times, they said incorrectly that I opened my account XX/XX/XXXX, then that I had requested to close the account. Talking to a supervisor, she said since there was no activity on the account for 30 days, it was closed. But she said XX/XX/XXXX was the last day of activity and I called today, XX/XX/XXXX. Then she changed it to XX/XX/XXXX. But who has ever heard of that? Closing a checking account after 30 days of inactivity? I had additional calls to them and one lady counted out the days that I should have the bonus by XX/XX/XXXX. That did not happen, so I called up and a man said he was submitting a form to research the bonus and that he would call me back by today, and he even sent me his e-business card in an email, but none of that happened, but the account was closed. I am real confused. Anyways, I talked to a supervisor again today XXXX many of them have thick XXXX accents and it's difficult to understand them XXXX and she said she was submitting a form to research it.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

There is incorrect personal information on my credit report. Please delete these incorrect personal information from my credit report. 

According to 15 U.S.C 1681 section 602 A. states i have the right to privacy.

Also according to 15 USC 6802 no financial institution is supposed to share my information to a third party 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect numbers : XXXX XXXX XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX IL XXXX Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Payward Ventures Inc. dba Kraken ()

I was using XXXX crypto exchange to buy crypto currency. I deposited money in my crypto XXXX account. But yesterday i made a withdrawal request of XXXX $ ( XXXX GBP ). it was supposed to get withdrawn instantly in 10 minutes to my account but its been more than 48 hours the money is not in my account. contacted customer support many times but worthless.please help me with this.
Consumer complaint received 2019-03-26
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: Experian Information Solutions Inc. (FL)

I have contacted this bureau several times regarding these unauthorized hard inquiries that are not mine.It has been well over 60 days and I have no received any response via phone or thru the mail. The customer service would not help in removing any of the negative inquiries reporting to my credit report. 

XXXX  XXXX Inquiry : XXXX XXXX, XXXX. XXXX Inquiry : XXXX XXXX, XXXX. XXXX Inquiry : XXXX XXXX, XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX. XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

I started a refinance with Amerisave on XX/XX/2021. I went through signed all the required documents with one of there lending Agents. the next day ( XX/XX/2021 ) I sent them all the requested documents including, but limited to paystubs, W2, bank accounts. Since then the lenders has continuely asked for every single item multiple times again even though they already had the documents, stretching out the closing well past. They have questioned everything including whether I owned the property or not even though they accessed my current mortgage and sent back to me how many payments I had remaining. I Paid off an HELOC account I had on the property and after questioned if it was for the property even though the statement I sent there clearly had the property address on it. and they harassed me and the lender about the HELOC even though I had sent them statements showing that not only was it paid off, I was owed money. I called that lender multiple time they even noted the account about the issue.This harassment was so bad one of their agents stating that that lender is ignoring them and asked if I have another contact for them. They have asked me to submit every document at least twice. I had to repeated tell them that I don't have an HOA, condo XXXX, it's not a PUD and they keep asking again and again. meanwhile over the same 6 week period, one of their agents keeps calling me every 3 to 5 days telling me they have everything and I should receive a closing date soon. I have even received a request while I was on a call from her. At this point I believe they are purposing delaying the approval so that they don't have to payout as much on closing or that I get fed up and cancel the loan.
Consumer complaint received 2019-03-26
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: EQUIFAX, INC. (FL)

I have contacted this bureau several times regarding these unauthorized hard inquiries that are not mine.It has been well over 60 days and I have no received any response via phone or thru the mail. The customer service would not help in removing any of the negative inquiries reporting to my credit report. 

XXXX XXXX Inquiry :XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX. 
XXXX Inquiry : XX/XX/XXXX. 
XXXX Inquiry : XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

experian has blacklisted me internally from filing disputes online and via mobile devices. Also unable to use experian upload. Was told this matter can not be corrected and unable to speeak to IT dept and recorded conversation with agent. Reported issue for MONTHS to experian and they have refused to assist me, the recording is the proof. My account is reporting with a balance and the account is XXXX and causing me to be penalized with finances/loans and etc. RECORDING CAN BE PROVIDED.
Consumer complaint received 2023-04-10
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX Balance : {$300000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is incorrect personal information on my credit report. Please delete these incorrect personal information from my credit report. 

According to 15 U.S.C 1681 section 602 A. states i have the right to privacy.

Also according to 15 USC 6802 no financial institution is supposed to share my information to a third party 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect numbers : XXXX XXXX XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX IL XXXX Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX