davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NJ)

I am not able to use my credit card account. After my payment plan was over, they have failed to re open my account. I believe that are discriminating based on my color. It is still on suspension. And I have to pay over XXXX. Even if they are giving me a payment plan, they are not allowing me to re open my account so that I can pay for XXXX XXXX. They lied and told me that my account would be opened after the plan and they renigged on their agreement. I am asking to have my account re opened and I need to have fraudulent charges removed.
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am getting repetitive phone calls after I answered call and told them not to call back. They are trying to contact someone else other than myself. I am getting calls when I answer I am telling them I am not the person they are looking for and not to call back. Sometimes they leave a message, sometimes they do not. The calls have been coming from different locations and different phone numbers in other states. I use my phone to perform my job in which I place and receive calls across the country. I have no way of filtering out which of these calls are important to perform my job and which ones are harassment calls from XXXX XXXX XXXX XXXX. Once again I am not the individual they are trying to reach and I do not have any outstanding debt to be collected. Most recently : call XX/XX/2021 @ XXXX call XX/XX/2021 @ XXXX
Consumer complaint received 2019-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX : Initiated a {$1500.00} XXXX transfer from sender 's Bank of America ( BofA ) account to recipient 's XXXX account ( confirmation attached ) -Recipient received email shortly from XXXX stating funds would arrive momentarily ( attached ). 
-XX/XX/XXXX : Funds were processed and withdrawn from sender 's BofA account ( confirmation attached ),  Recipient claims to not have received the funds -XX/XX/XXXX : Sender opened a claim through BofA to track funds that never arrived to recipient 's intended account. 
-XX/XX/XXXX : Sender sent a test {$1.00} to recipient which was received instantly XXXX XXXX : BofA informed sender that claim had been resolved and closed with the resolution ( letter attached ) that  XXXX had found the funds were successfully to intended recipient 's account. This misinformation was provided by XXXX, but should have been confirmed by BofA. 
Sender and recipient have been several phone calls during this process to track the funds. Conference calls between XXXX, sender, and recipient have been made with no luck finding the funds in question. Sender has now re-opened the claim and request to be sent to an escalation department because of misinformation from both BofA and XXXX claiming the funds have been found. When calling XXXX claims department, no funds were found in the amount of {$1500.00}
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX refused to send my 2023 statements and didnt notify me my account was closed after I made several payments in the last 90 days from today. Today Im attaching proof they took a payment from my account the was unauthorized to applied toward a closed account
Consumer complaint received 2023-06-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Letter This is a follow-up complaint to a complaint I filed on XX/XX/XXXX. Complaint ID XXXX. 

My original complaint was filed 6 weeks after the first fraud incident. 

It has now been 12 weeks since the first fraud incident ( 90 days ) and there have been no updates on the status of the investigation or indication on whether I will get my money back from the two fraud claims that I filed in XX/XX/XXXX. I have received a call from Citizens Bank from the Office of the President after filing my original CFPB complaint, and have also received letters from the bank dated XX/XX/XXXX, but only to let me know that the bank is still working on the issue. I have not been offered provisionary credit or a timeline as to when I will be credited my money bank. 

As I have been patiently waiting, I have endured several mistakes by the bank. The first incident I reported in my previous complaint letter, stating that the Collections Department moved money from my savings account to my checking account without my permission to true up a negative balance. The second incident occurred as a service charge for not using the checking account that had been affected by fraud and closed ( XX/XX/XXXX ). The bank also made an error when I closed the account immediately after the first fraud incident, only to have another fraudulent check written and cashed from my closed account ( it had not been put in credit only status. 

I am filing this second complaint with CFPB to demonstrate the banks negligence on the issue through the entire investigation and the numerous errors that have been made in the process. After 90 days, I still have no answers as to if or when I will receive the money that I am owed after being a victim of fraud. 

XXXX XXXX
Consumer complaint received 2019-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (FL)

I called XXXX XXXX XXXX to validate a debt listed on my credit report. They told me the account was with their company trueaccord. I called true accord and provided my name, social security number, address and phone number. The guy told me that he could not provide me with information because the account was in my mothers name, not mine. I tried to tell him that it was on my credit report and he insisted that he could not provide me information. I called XXXX   again and emailed true accord requesting validation of the debt. I didnt hear a response back, so I called XXXX this morning and told them that I have waited 5 days to hear back and all they said was that true accord was supposed to call me later and that it was a miscommunication about the debt. I called true accord again and they would not provide me with the agent I spoke to who wouldnt disclose information with me and I again asked for validation of the debt and the guy said that they had received my email and the only thing they could do was open a dispute. I emphasized I only wanted validation of the debt and he told me that they had to investigate it which would take at least another 30 days. I do not feel this is fair. I wish to have the debt validated and I request proper documentation that the debt was indeed not in my name and now somehow is.
Consumer complaint received 2018-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MN)

I created a Coinbase account in late 2017. My identity was " verified '' by them on numerous occasions. Despite this, I can not access my funds because Coinbase continues to say that I need to verify my identity. I have congratulatory emails from them stating that my identity has indeed been successfully verified. I've sent multiple emails to their support team only to get back an auto response telling me to keep trying to verify my identity. On their own site it even shows that my identity has been successfully verified. I'll attach a screenshot. At this point I just want to close my account and get my money back but I can't even do that. Please help.
Consumer complaint received 2023-04-07
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX - XXXX XXXX Balance {$1700.00} Opened XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance {$58.00} XXX Opened XXXX. XXXX, XXXX.
Consumer complaint received 2019-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I called midland funding llc to validate a debt listed on my credit report. They told me the account was with their company XXXX. I called XXXX XXXX and provided my name, social security number, address and phone number. The guy told me that he could not provide me with information because the account was in my mothers name, not mine. I tried to tell him that it was on my credit report and he insisted that he could not provide me information. I called midland again and emailed XXXX XXXX requesting validation of the debt. I didnt hear a response back, so I called midland this morning and told them that I have waited 5 days to hear back and all they said was that XXXX XXXX was supposed to call me later and that it was a miscommunication about the debt. I called XXXX XXXX again and they would not provide me with the agent I spoke to who wouldnt disclose information with me and I again asked for validation of the debt and the guy said that they had received my email and the only thing they could do was open a dispute. I emphasized I only wanted validation of the debt and he told me that they had to investigate it which would take at least another 30 days. I do not feel this is fair. I wish to have the debt validated and I request proper documentation that the debt was indeed not in my name and now somehow is.
Consumer complaint received 2019-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (SC)

I have some loans I'm paying off through FedLoan Servicing. I have had trouble with their website, primarily having to reset my password every single time I log in. I've logged in dozens of times to check on my progress and make payments and every single time I check my password from XXXX and either exactly type it out as I see it or copy and paste the password. Both scenarios result in the site telling me to reset my password. Every single time. I even try to change my passwords to my old passwords and the site says, " You can't change your password to a previously existing password, '' so I've had about 2 dozen passwords I've had to make and store. I have called their support number at least 4 times and I've been told : " That shouldn't be happening, and you're making a mistake '' " We can't do anything about it, deal with it '' " Wow weird, that must XXXX for you. Never heard of anything like that. '' and " No, we don't have any tech support you can talk to, stop calling. '' I know this may seem like a minor inconvenience but it takes time to fix and is frustrating. I've never had a positive experience with customer support or been given any solutions to my problem. It's really unpleasant to have to take 5-10 minutes to log into my loan site every time I want to check on my debts and I haven't been treated well or had my problems listened to by their support line. Any help would be appreciated. Thank you.
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nelson and Kennard (CA)

In order for me to figure out how much I owe them, I requested credit card statements for the life of the account which is from XXXX. I'm not going to take their word on the amount owed since banks are crooks. Initially they sent me XXXX to XXXX statements. I called again and asked I needed all the statements. A few weeks later, they sent me XXXX statements. I called them and requested again I need all the statements and left a message for them. No response back. I called them back two weeks later as I noticed a letter from them in my mailbox showing that they filed a lawsuit and billed me the {$510.00} filing fee for the court. I called them again and asked why is there a lawsuit. They said because there was no settlement. I repeated again I need all statements so that I can figure out how much is owed. The new person that I spoke with which is different than my contact on the forms said he can send out XXXX to XXXX statements and try to get the older ones. He then said once you have them call us so we can figure a plan for you. 

My question is, how can I make any decision if I don't have all the statements showing what I truly owe them? Regardless, I have no details and they file a lawsuit against me. 

That is not right. I should be given all the details needed so that I can make an informed financial decision on the debt I owe them.
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NM)

New Rez financial has required me to pay for PMI in violation of the HPA for the last 30 months ( approximately ). 

I initially requested that PMI be removed from my account in the fall of XXXX. I was advised at that time that I would have to have an appraisal done ( costing {$400.00} ) for them to consider my request. When my home didn't appraise for enough money, I was advised that my loan was scheduled to reach 78 % of the my loan 's original value within the next several months and that PMI would then automatically be removed from my monthly mortgage payment. 

When PMI wasn't removed, I made a second request in XXXX of XXXX. I was advised that I would have to pay {$150.00} for a BPO appraisal in order to have my PMI eliminated. I paid for the BPO appraisal. I believe I was improperly required to pay for this second appraisal as the value of my loan was was well-below 78 % of its original value. 

New Rez advised me that they were eliminating PMI from my account earlier this month although they have not indicated that they would refund the PMI premiums that were improperly collected. I contacted them via email seeking a refund of ( 1 ) the improperly charged PMI payments, ( 2 ) a refund of the {$150.00} I was required to pay for the BPO appraisal ; and {$2000.00} in statutory fees as provided for in the HPA. New Rez has not responded.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NC)

XXXX XXXX ( address unknown ) were negligent or fraudulent in issuing a credit card under my name. I found out about the fraud when onXXXX of my credit cards notified me that my credit score had precipitously worsened. More than {$5000.00} had been charged in my name, and payments were not being made on the debt.
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

CITI BANK in his response to XXXX asked me idiotic questions inapplicable the the case solely on purpose to dismiss it
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: VEROS CREDIT, LLC. (CA)

veros credit company has a debt with my name on the loan but i never did business with them i also try many time to resloved the matter. there two thing concern mw with this contract i didnt have any knowledge of that veros credit was sign after i sign my name with the creditor thats listed before verson sign after we made a deal the original owner sold the debt veros collected on a debt they did not own also i had no agreement with veros i was a co signer but verson was never listed in the contract they harressment on the debt going as far reporting it on my credit causing hardship i did a cfpb report for asstiance to help with the issue was not sucessful they still reporting as if we did bussiness but it was actual ez auto who i did business with they fraud documents with everyone knowledge knowing the cfpb knows the fora laws was not enforced to protect the consumer it clearly showed that the contract was with ez auto and now veros credit. 

my right was voilated. 15 usc 1681 n 15 usc XXXX XXXXXXXX veros credit fraud the contract thye have 15 days to provide the wet ink signture u had with veros this debt is paid but default and i demand a full refund of the amount they took without proper documents.
Consumer complaint received 2022-03-30
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-04-07
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Took out Loan with Bank of America on XX/XX/2007 for XXXX some how XXXX XXXX XXXX XXXX XXXX XXXX purchased my home for XXXX and they are trying to foreclose on my home.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

On XX/XX/2019, I attempted to temporarily unfreeze my credit report with Experian ( I had successfully lifted freezes with XXXX and XXXX ). Although I thought I had a record of my pin number, their online system told me the pin was incorrect. I then tried to verify my identity without the pin number, but the system told me I would need to submit an identity verification request by mail. I needed to lift the freeze within 48 hours, so this was not a practical solution. 

On XX/XX/2019 I attempted to contact Experian by phone. Experian 's phone options do not let you talk to a person after selecting options for security freezes. After finally finding a person who did not direct me to send them a request by mail, I was told my options were to wait 7-10 business days or to pay {$20.00} to XXXX me a new pin. I chose the {$20.00} option. 

This does not seem to comply with current rules obligating agencies to conduct free credit freezes and then lift the freezes. I acknowledge that I could have written down the incorrect pin number when I originally froze the account, but there should be other options to verify one 's identity in order to quickly lift a credit freeze. This has been extraordinarily inconvenient -- and Experian 's customer service was absolutely abysmal.
Consumer complaint received 2023-04-07
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. (MO)

I am extremely displeased that my dispute regarding multiple items on my report has been blatantly ignored. It is imperative that you fulfill your obligation under the FCRA and take immediate action on this matter. Failure to comply with the law will result in me exploring the option of taking legal action against your company. 
XXXX XXXX XXXX XXXX Balance Owed : {$410.00} - This account has been reporting inaccurate information regarding my payment history. I have provided documentation that shows I have consistently made payments on time and in full. 
XXXX XXXX Balance Owed : {$0.00} - Your record keeping is inadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 
XXXX XXXX & XXXX XXXX Balance Owed : {$0.00} - This report is incorrect. The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. 
XXXX XXXX Balance Owed : {$460.00} - Your company 's incompetence is on full display with this charged-off account still showing a balance on the statement. I demand that you provide an explanation for this egregious error immediately. The balance is unequivocally inaccurate, and it is your responsibility to correct it by either setting it to XXXX or deleting the item altogether.
Consumer complaint received 2023-03-17
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.