davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
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)

To Whom It May Concern : On XX/XX/2019 at XXXX : XXXX I called XXXX XXXX XXXX XXXX about a credit alert I received. It stated that I had a closed account ( charged off as bad debt profit and loss write off ). I explained to the person that I had not received any letters in the mail stating that I own {$110.00}, if i did I would have payed that off. I then told the person that the banks actions have affect my credit score negatively, what can we do about this. She stated If you pay the {$110.00} we will remove it from you credit, I agreed and paid the account immediately. as of XXXX. The account is still on my credit as unpaid debt. I've held up my end of the agreed upon action but not them.
Consumer complaint received 2019-06-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (AZ)

So I have been trying to open a savings account with Citibank for the past 2 months. I used their online, and by phone services because they do not have branches here in Arizona. I can't even begin to explain my frustration with this company. 
The first time I attempted to open an account, I got it funded and when I didn't receive my welcome packet, I called them- several weeks went by and all of a sudden I received a XXXX check from them- which was my funding amount along with a letter saying I didn't respond timely to something they'd requested. No phone calls or emails to follow up, just a flat out rejection of my funds and a return of my check. 

XXXX me, I decided to start over with them and open another account. So I funded it again and monitored my emails like a hawk, hoping not to miss anything. I sent everything as requested, and promptly did so. 

After a few more weeks and still not receiving my welcome packet, I called them again. This time I was told that because I listed my work address as my home address, they were going to close my account. I explained that I only did this because I had had mail stolen at my home, and wanted to make certain nothing was EVER mailed to my home. I also explained that I own my own business and ALL my mail comes here. Did they even listen- saying I couldn't correct this and said my account would have a hold on it, and would be closed and I wouldn't have any access to the fund, for a period of time. 

Now weeks later, my funds are still frozen. They will not open my account, nor will they close it and return my funds. I am in complete limbo. I have wasted countless hours on hold with them and now am at a very high frustration level. Just today, they told me that they would try and expedite things, either to open it, or close it and send me my money back. I told them to please call or email me on the next business day and let me know. They said, we won't notify you, but you must call in and try and get someone here to let you know!!!! VERY DISTURBING!!!!! 

Thanks for listening, and I hope you can let Citi know they need to make some serious changes with how they do business.
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019 my father sent me XXXX $ to get my son some food, Wells Fargo took XXXX $ of that for a monthly maintenance fee i had no clue about so i had to call to get it resolved. Then Today XX/XX/2019 i went to the store to purchase a couple items and i found out my card has been cancelled. Wells Fargo Cancelled my card without notifying me and without my consent.
Consumer complaint received 2017-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have XXXX to Coinbase on XXXX XXXX. On Coinbase website, they received the payment but set the status of it to " Pending '' and a message showing that the amount will be available on XXXX XXXX. 
On XXXX XXXX, I opened a case with the Support and still did n't get any reply from their support team. Today is XXXX XXXX and the case is still open.
Consumer complaint received 2019-04-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Today I spoke with XXXX XXXX who was really rude. I made a payment plan with portfolio recovery for a XXXX XXXX account. I also made a payment arrangement for XXXX account after being coerced into doing so even though that account was long closed. My money was taken out of my bank account for both accounts. I called and spoke with XXXX XXXX regarding the accounts and was told the payment plan I set up was no longer in place because I made a dispute with XXXX. I asked why and was told by XXXX this account will stay on my credit and if I dont pay it it will damaged my credit. I know my XXXX account was closed and yet portfolio kept it on my credit report. Im scared of what they would do next to damage my already damaged credit. I need your help
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

This company sent me a letter stating they represent the IRS. The letter states an incorrect amount and doesnt reflect the payment arrangement made with the IRS. This debt was paid today. I want this company to stop sending me communications.
Consumer complaint received 2019-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: One Way Loans LLC dba PowerLend (CA)

I signed up to have my payments deducted on the XXXX of the month as I am a XXXX   employee and I only get paid once a month. For a year it was going okay. Then they started deducting on different dates. In the month of XXXX they deducted on the XXXX and again on the XXXX. The deduction on the XXXX was for my XX/XX/XXXX payment. This early deduction caused a NSF in my checking account causing overdraft fees and leaving my wife and I without money for food or gas for 2 days. The after effect is still causing me problems two weeks later. 
It has taken many hours on the phone with them getting me know where. Their additude is yea we should not have done it but it was only a few days early.
Consumer complaint received 2016-09-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (NC)

Potential sensitive information security breach has occurred in Mercedes-Benz Financial Services ( MBFS ) as I received statements from other MBFS customers and able to open and view those statements which contains details including name, address, account numbers, loan balance, payment due, VIN, car description, etc. I now have access to at least XXXX other customers as each month they sent me statements for different customers
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX , CA XXXX ; XXXX XX/XX/2024 ; XXXX XXXX XX/XX/2024 .
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC (CA)

All this matter is about for a " judgment '' against me, on base the paperwork a debt buyer Cavalry SPV won the judgment long time ago and now I must pay the certain amount of money to them. After a few calls I got the paperwork and called the Attorneys who represents the plaintiff ( Cavalry SPV ) the attorneys XXXX XXXX XXXX XXXX XXXX, but couldn't reach them, so I called the debt buyer and they sent me with another " Law office '' a company XXXX XXXX XXXX XXXX. I contacted them on XX/XX/XXXX, and they gave me some information about the debt, including a balance for {$8200.00} including legal fees and interest. but never provide real information about when this judgment was filed, a case number, when this judgment was recorded or date of the last time the judgment was renewed. I was not talking with and attorney I spoke with a regular debt collector with a name of a " Law office '', I told them I have the best interest to resolve this matter so I made a settlement offer for {$5000.00}, the representative named XXXX said they had to submit the offer to their client ( Cavalry SPB ) and I suppose to call other day. After several calls over the last months, nobody in this " Law office '' who in fact is a regular debt collector is able to give me information or a response from the " client '', every time I call they transfer my call to a voice mail, after another 7 calls the representatives stared to explain me that the account is " Lock '' and they can't open the account and have to transfer my call to an attorney, but any attorney take the call -I don't understand how this collecting tactics are allowed- Finally after more than 25 calls made to this debt collector someone named XXXX took my call, she was a very nice person with me but had to inform me that an attorney will review my account and they will call me back, of course nobody called back, so I called on XX/XX/XXXX and a representative informed me that they mailed me a letter due to a " dispute period '' and " validation period '' I explained him that I was expecting the settlement response but he said is anything they can do until this period is over. So I tried to get more specifics like : why is this dispute period? or is the period for new accounts or for old accounts? and asked if they have to valid this account due to is not a valid account? but he refused to give me the information. So now I don't understand that is the next step to follow in order to resolve this " judgment ''
Consumer complaint received 2023-05-09
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. (MI)

Equifax has confirmed that they received all of my documentation and my request to have adverse information as a result of XXXX XXXX  deleted from my account well over 4 business days ago. They are claiming to still be processing my request and they dont know how long itll take. According to the laws outlined on the CFPB website, credit reporting agencies MUST block adverse information in regards to XXXX XXXX within 4 business days, even if they are still reviewing documents. They have 25 business days to review their documents. 
I was told by an Equifax rep that there are attorneys in the office of consumer affairs that have advised them that what they are doing is in compliance with the law. I have called multiple times and spoke with multiple people who have told me that the issue would be resolved by the end of the day and this never occurs. Equifax requested additional information from me, of which I provided. I am being told by a representative that once I submitted the requested information, it started my 4 business days all over again. This is NOT in compliance with the laws regarding XXXX XXXX.

This process has caused me to miss an opportunity to obtain housing. I am sleeping outside, and also on the run. I am not safe.

This is willful negligence on Equifaxs behalf and I am ready to take this to the furthest extent of the law.
Consumer complaint received 2019-06-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (OH)

My wife and I have 2 parcels on the current mortgage. We live in a home on parcel 1. We wish to build a new home on parcel 2. To do so we need to have parcel 2 released from the current mortgage. Planet Home Lending ( after weeks of waiting ) sent us a checklist of items ( 10 ) to prepare and send back to them. When attempting to complete item 8 on the checklist, the appraiser we contacted informed us only the bank could contract an appraiser in our state. I advised Planet Home Lending of this on the phone on XX/XX/2019 and was told to just complete the other 9 tasks and they would handle the XXXX. 
On XX/XX/2019 I sent the completed packet to Planet Home Lending. Their paperwork stated it would be a 4 to 5 week  process. 
On XX/XX/2019 Planet Home Lending deposited our check ( a fee for processing this partial release application ). 
On XX/XX/2019 I spoke with " XXXX '' at Planet Home Lending. He stated their most recent notes showed they sent me the checklist but nothing further, they had not received it. I informed him my check had been deposited by his institution and voiced concern. After placing me on hold, he returned to tell me they did in fact have my application. I was also told it was still under review by the appropriate department. 
As one can see, it has been longer than 4 or 5 weeks. Planet Home Lending deposited my check approximately 9 weeks ago and I have yet to see any action taken. My builder for the new home is kind enough to keep reminding me the prices keep going up. Planet Home Lending 's feet dragging and lack of action is costing me additional money as well as keeping my family from building and moving in to our new home.
Consumer complaint received 2019-06-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MN)

On XX/XX/2019 I attempted to wire {$300.00} online with a credit card to XXXX to someone that I know. I got a message that the transaction was completed and I sent the reference number to the receiver. About 40 minutes later, I received an e-mail that the transaction had been cancelled and my account was closed. I spoke to someone in customer service, who said that they can not give me any information about why it was cancelled and they told me I can never send a money gram transfer again -- -neither online or in person. They said it was a " security issue to protect me ''. I told them that I know the person I was sending it to and was willing to take that " risk '' with MY money. I asked to know what the problem was, but they were not willing to give me any information other than that is the way they do things and don't have to give me a reason. 

After reading many of the complaints, it seems that after you send money several times, they shut down your account. I have sent a few times before in the office, with the most recent time being on XX/XX/2019 to a different country. I have a small business which requires me to send money overseas. As there is a paper trail and they check id 's in the office, I'm really wondering why I was denied using their service. I am not satisfied with the customer service that I received. I am also upset that it took so long for them to tell me the transaction was cancelled, as it could have meant the recipient went to collect her money and it wouldn't be there.

They also told me it would take 3-10 business days to reverse the charges. As it was on my credit card ( versus taking the money out of my bank account ), it wasn't as big an issue ( my plan is to dispute the charge as soon as it processes ) -- -- but it seems it is not right to take people 's money and keep it for 3-10 business days. At the very least, they should pay interest. It should be returned immediately when the transaction is cancelled. It could be a financial hardship to people, especially if sending a large amount.
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Hunt & Henriques (CA)

XXXX XXXX is a partner with Hunt & Henriques that does business with XXXX, and as such he is in debt to me due to fraud associated with XXXX. I would like to know : 1. How many bitcoin does XXXX hold? 2. How much money has XXXX Received from Hunt & Henriques and how much has Hunt & Henriques received from XXXX since 2019. 3. Does XXXX have a mortgage or any lines of credit with XXXX? 4. What is XXXX XXXX liquid net worth? 5. Does XXXX intent to repay creditors of XXXX who's property he is in possession of? 6. Does XXXX own any real estate or businesses? 7. What is XXXX XXXX home address? 8. Does XXXX live with anyone who also benefited from the fraud? I am asking these questions for the purpose of recovering my stolen funds. I will be filing a lawsuit against XXXX to claw back funds once the bankruptcy ( XXXX ) is dismissed as fraudulent and I am free to do so. I would not normally harass a debtor while there is an ongoing bankruptcy, but according to XXXX, this is within my first amendment rights as a creditor. I will not be forgiving XXXX XXXX debt and I will claw back every single cent. It is not my fault XXXX decided to work for a firm that paid him with rehypothecated debt that was fraudulently acquired. His property belongs to me, and I will be claiming it.
Consumer complaint received 2019-06-14
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. (VA)

My husband and I purchased a 5th wheel RV thru XXXX XXXX RV in XXXX, VA and financed it with XXXX XXXX XXXX XXXX. When signing our paperwork, we noticed the dealer put the wrong address on the form and we corrected it in the office. Unfortunately the information he turned into the bank contained the wrong information and the statement went to the wrong address. When we didn't receive a statement I contacted XXXX XXXX XXXX to make sure they received our paperwork. After going thru several people since my address did not match my social in their records ( plus I had no account number since we never received a statement ), we made the needed payment, changed the information to the correct address, and were told all delinquency would be taken off the account since we were the ones who came forward to correct the information. One week later it appeared on my husbands and my credit report for being delinquent. When I called the bank I was told they could not remove it and that we would have to file a complaint with the credit bureau.
Consumer complaint received 2019-06-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

USAA denied our homeowner 's insurance claim because according to them as best as I can understand because I changed our deductible before we had a bad event happen. I had no possible way of knowing what was going to happen after changing our deductible. I appealed and the same adjuster who denied the claim the first time also denied my appeal. I kept pleading with USAA as I didn't know what was going to happen and I had no bad intent. The adjuster 's supervisor responded online that his decision will stand. Shortly later I can't log into my online banking. I later find out that USAA canceled our homeowner 's policy, they blocked access to my online account, they closed my savings account, they closed my checking account, and they closed my credit card which was on 0 % apr promo and want me to pay the balance immediately. I have been a member of USAA for 9 years, perfect account history, no prior claims ever made for our home. My wife and I have been paying their premiums without a single claim for our home. We are both deeply hurt my USAA 's actions.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

Attn : XXXX XXXX XXXX divisions, From : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX Attn : Credit fraud departments, Subject : This Complaint is only over the XXXX states wide imposter herds identification population fraud and international imposter identification population, and over the XXXX states wide business population identification scam 's imposters and international imposter business population scams THAT FRAUDED my XXXX documents and XXXX documents which wrecked on there pension account and life insurance and wills and condo deed. 

in 2 States, there wanted for mail fraud, investments industrys workers fraud, social security information fraud, robbery of XXXX military archives data base information as illigal workers population identification scam 's ( coping off the Archives back ground check of my families documents ). There wasn't for running frauding banking accounts scams, and they are wanted for writing accounts to the XXXX states wide other fraud cases that FRAUDED me and my families documents also and included retailers. There wanted for listed insurance company who also used XXXX of the USA largest insurance company who those insurance companies also ran frauding employees population identification scam 's frauding my and my families documents, and also were refusal to pay me over robberys, and identity fraud policies, and over causality and property loss. Then for any government agencies contracts used me and my families information XXXX States wide as resterants and menu 's and grocery store food products used XXXX XXXX frauding my Birth certificate long form information attached to my social security information, and families marriage and divorce records. I want white collar crimes charges pressed Social security fraud charges pressed I want illigal FBI registration charger presses for fraudulent illigal identification scam 's imposters I want banking charges pressed for counter written banking to unauthorized imposter population identification scam 's and business scams I want national defense archives robbery charges pressed for robbing XXXX national defense archives information of me and my families documents I want IRS fraud charges pressed I want mail fraud charges pressed I want telicumations fraud charges pressed I want counter insurance fraud charges pressed I want IRS fraud charges pressed I want counter insurance and counter banking charges pressed I want illigal registration charges pressed I want asset freezing over fraudulent population identification account scams. I want all the funding and accounts opening shifted back to me and my families documents stack the rightful owner of the information and registration I want finical restitution