davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, I've opened my Merrill Lynch Self Directed Cash Management Account like XXXX months ago, deposited a large sum ( about $ XXXX ) via check which successfully cleared and money were available for trade/withdrawal. 

I bought some amount of shares pricing approx. $ XXXX. Made one wire transfer of $ XXXX, which was successfully processed and received by receiving party. 

After some time, I've summited another wire transfer of $ XXXX to the same party and i got a voicemail ( i was on my vacation ) to contact them because they need some additional information. 

The next day I contacted them and successfully confirmed a transfer. After a day or two i checked and it was not processed yet. Contacted them again and resubmitted it again and was told that it will be processed in 24-48 hours. Some time later ( about a 2 weeks ago ), after logging in, I saw a small mark <Blocked> under my account and that I need to contact them for assistance. 

Contacted them and was told that my account is under review and there is no way to contact the investigation team, because they are available outside and that everything i can do is to wait a day or two. After two days i was not contacted and i called again and was given the same info. I made about XXXX calls averaging XXXX minutes each from that time and several chat sessions, as my account access was still active and was given the same info every time. 

Last Friday, i was not able to log into my account, the system said account access is blocked. I contacted them again and i after some time a representative called someone as i think and was told that my account is closed. I was trying to ask some additional questions about how and when i will receive my funds back, but the person hanged up. I called again and told the history about my account closure and was told that my account is still under review, not closed and that is will be contacted that day ( Fri XX/XX/XXXX or Monday XX/XX/XXXX ), but i was not. 

I've tried all telephone number available, but noone can say any timeframes for this review or any additional information, because there is no information available ( no notes on my profile ), their XXXX didn't respond ( it is 3 or 4 days as of now ), BofA XXXX account told that they do not have access to ML profiles and gave me the phone number I called before. 

Thank you!
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VA)

Im having issues with Coinbase. My account has been locked since XXXX Im not receiving any response from them after numerous contact. I received a push notification from them about my account been compromised on that day. 

Also a {$1000.00} was withdrawal from my bank account on XX/XX/2021 ... Im working with my bank to resolve that issue. 

I want Coinbase to contact me and unlock my account. 

Thank you
Consumer complaint received 2019-07-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

While asking XXXX XXXX XXXX XXXX XXXX to buy shares of XXXX ( XXXX XXXX XXXX ) they did not disclose the settlment date which happened earlier than the usual time. Because of that all investors got charged margin interest rate on XX/XX/2019 right when they placed the order. Furthermore they got charged money even on money they overpaid for and was not used to purchase the stock. 
Such fees should be disclosed beforehand.
Consumer complaint received 2019-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX I have 2 hard inquiry hits on the same date from the same company. 

Company showing as : XXXX XXXX XXXX SD XXXX XXXX There showed only be one on that date and not 2. So this is impacting me and I never knew this whole time. 

Also, for : Company : XXXX XXXX DE XXXX XXXX There is a hard hit on two dates : XX/XX/XXXX XX/XX/XXXX I was wondering how I can get these dropped off or at least one in good will and a good faith courtesy by chance? 

And also there is 2 for Trans Union on : Trans Union XXXX XXXX, CO XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Both 1 day apart for some reason. And is there anyway that one of these can be dropped as there's 2 for some reason within 24 hours apart that is also impacting me.

I am trying to better my credit and I didn't ever look at my hard inquires. Everything on my credit is correct. But I don't find it fair to have this XXXX/XXXX-XXXX to have done 2 hard credit checks on  the same day XX/XX/XXXX. 

And for some reason Trans Union has 2 one day apart from each other. 

I am requesting this to be taken into consideration along with the XXXX if they can do anything in good faith and in good intentions.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My disputes were incorrectly denied in that someone stole and used my account number and PIN to make unathorized ATM withdrawals. Capital One has denied my claim due to my assertion about the debit card possession and transaction information XXXX {$150.00} I never drawdown an uneven amount rounded to the {$5.00} XXXX {$120.00} This was an unauthorized second drawdown of {$120.00} in the same day after I drawdown {$120.00} XXXX {$70.00} This was an unauthorized second drawdown of {$70.00} in the same day after I drawdown {$150.00} XXXX $ XXXX never drawdown from ATM on a XXXX  XXXX $ XXXX I never drawdown a non rounded uneven amount with cents XXXX $ XXXX never drawdown from ATM on a XXXX
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I have had a PayPal account over twenty years. In the past couple months PayPal has repeatedly asked me for ID verifications and documents to prove that I am legitimate. I have supplied all documents. Recently though PayPal limited permanently my account and HELD over $ XXXX in funds. PayPal is claiming they must hold these funds for 180 days. This is wrong, this is MY money and if they hold the funds that long I will be unable to fulfill orders to my customers and disaster will result. As a compromise, PayPal should release at least half of these funds now, or at least not after 180 days, maybe after say 30 days at the most.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Hard inquiries that are not mines on XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Healthcare Management, LLC (CO)

XX/XX/2022 Called A1 collection agency at XXXXXXXX XXXX and stated that my credit card had notified me of a severe derogatory remark, a delinquency on my account for over 150 days. 
A1 representative told me that he saw I had paid, that my account was not delinquent, and that my balance was 140. He said the company would do nothing about this delinquency notice until I paid my balance in full. I stated this was a lie and that I had paid on this account, and he replied that again he could not do anything until I paid it off. 

Called credit agencies and disputed, balance is incorrect, and so is " delinquency ''
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMA Advisors, LLC. (GA)

HOMEBRIDGE ( BREACH OF PRIVACY ) ACCOUNT XXXX ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information HOMEBRIDGE has violated my rights and failed to protect my information by sharing my personal information

with 3rd parties without my consent. 15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy HOMEBRIDGE did not clearly and conspicuously provide the disclosure forms.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately :
Consumer complaint received 2024-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (KS)

Hello, On XX/XX/2024, I submitted my regular monthly payment to Nelnet for my 6 outstanding student loans. Unlike the process I previously enjoyed with Great Lakes, where a singular payment would be applied to all loans, Nelnet requires their consumers to apply an individual payment to each loan group. I applied a separate amount to each XXXX loan groups to cover all interest earned and a small amount of principle, bringing the total payment to {$260.00}. Checking back with Nelnet on XX/XX/2024, I noticed all loan payments were applied except one to loan group XXXX for {$80.00}. Nelnet only showed a total payment of {$180.00}. I called and spoke with a representative ( after an extremely long wait ) and they were unable to determine what happened. He " filled out a form '' on the phone with me to submit to an internal department at Nelnet for review. He informed me of an email address to send my payment confirmation and screenshot of my bank account showing the funds being pulled from to, which I promptly forwarded the documents to. I have not heard from Nelnet about a status update. Meanwhile, the interest for loan AH continues to accrue. I emailed the help desk on XX/XX/2024 for a status update. Nelnet emailed back the next day stating it was still in review. After more than a month, this issue has not been fixed, interest accrual is beyond what it should be and it is now time for me to make my regular monthly payment, which will have to be a greater amount due to their error.
Consumer complaint received 2021-07-23
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)

MY IDENTITY WAS USED WITH OUT MY KNOWING BY SOMEONE I DONT KNOW, NUMBERS OF UNPAID DEBTS WAS REPORTED FRAUDULANTLY TO MY CREDIT REPORT, CAUSING MY CREDIT RATING TO BE SEVERELY NEGATIVE. I AM SUBMITTING THIS REPORT TO GET SOME HELP IN REMOVING PERMANENTLY THESE NEGATIVE ACCOUNT OF MY CREDIT REPORT.
Consumer complaint received 2019-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (MI)

I just last month got a order to come to court. For a XXXX XXXX credit card. That up to know did not know about. But they say they been collecting on it for 10 years. I looked on my credit report and it's not on there. Plus I never received anything from them. They sent all notices to address I have not lived at in years. When asked for information about when the card was opened address it was sent to they can not give me that information.
Consumer complaint received 2019-10-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Enterprises, LLC (TX)

On XX/XX/2019 I was informed that the collection account on XXXX was deleted and removed off my credit report. The debt collection company was revenue enterprises. I had never received anything from them in the mail, last thing I have ever received was from original owner, XXXX XXXX XXXX just stating a owed amount that my insurance covered. I didnt even know I had a collection account until checking XXXX  XXXX. One i  saw it & disputed it because it wasnt accurate. After receiving confirmation of the account being deleted off my credit report due to inaccurate information I figured that I didnt have to do anything more. It was removed from XXXX  as well. On XX/XX/2019 I got an email from XXXX XXXX  stating a new account was opened from revenue enterprises, also received an email stating the same thing from XXXX  XXXX, & XXXX  XXXX. I got into XXXX  to look at everything since I pay for premium. I noticed I had notifications. The notifications show on XX/XX/2019 revenue enterprises reported a new opened account and for a higher amount than it originally was. It now show it was XXXX instead of XXXX. Then it says on XX/XX/2019 that revenue enterprises flagged my account on XXXX  as unpaid and the amount is XXXX. 
Then on XX/XX/2019 another notifications I seen on XXXX says revenue flagged my account as collections on XXXX  and the amount is XXXX. When I call revenue enterprises they say they never received an disputes and that its been reporting since they bought the debt. That I have to contact the Credit bureaus and ask them and that I never received any notifications of the account because my address wasnt correct. I have updated my address with post office and all my mail has been forwarded to my new address I have received everything else but nothing from them. I called XXXX  they told me they cant do anything that i need to contact revenue enterprises.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

Reference : XXXX XXXX, XXXX. 
XXXX XXXX XXXX. XXXX XXXX, CA XXXXTelephone : XXXXXXXXFacsimile : XXXXXXXXRecently I ordered a copy of my credit report and found XXXX reported that I am in debit to them. 

I wrote to all XXXX major credit card companies and learned from Equifax Disputes that after contacting XXXX the item will remain on my credit report. 
Issue : XXXX continued to bill me after services ended. I paid XXXX and made every effort to cooperate ; however, I need not pay for services and products that I did not receive. 
Additionally ; XXXX promised me a city to cover and then restricted me to XXXX XXXX XXXX which is a development and not a city. 
I did not make XXXX contact from any information received from XXXX. 
I did not derive any income of business from XXXX. 
They billed me after I canceled and refused to be reasonable.
Consumer complaint received 2022-08-26
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)

I have disputed inaccurate accounts reporting on my consumer report and Experian has not fully complied with providing me with their METHOD OF VERIFICATION for the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I have asked Experian to provide me with information proving that the following accounts do belong to me and if they could not provide me with the following information to remove the inaccurate accounts reporting. Other Credit Reporting Agencies have removed the following accounts from my consumer report and I have requested that Experian do that same as of today. 

Updating the account is not what I am requesting as it is Experians grave responsibility to make sure all information is reporting accurately!!
Consumer complaint received 2021-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

In XXXX of XXXX, I purchased my first home through XXXX XXXX. My payment was set up for escrow within my P & I payment. In XX/XX/XXXX, my loan got transferred to BSI Financial Services from XXXX XXXX. Everything still seemed fine as mortgage transfers usually happen. In XX/XX/XXXX, I start to get letters from the XXXX XXXX XXXX Accessor office, advising that my taxes have been past due since XXXX. I tried to call BSI for information as to why this was happening. BSI kept giving me a running around as to taxes were paid. I called the tax accessor and they advised they never received escrow payment from any lender from the time I bought my home. The tax accessor has advised if I do not make a payment by XX/XX/XXXX, they can pursue legal action for foreclosure. I have contacted BSI once again to confirm what actions they are taking. They advised that they sent out a check back in XXXX, but it bounced and returned. Not once did they try to confirm why or where this returned. They now have mentioned they sent an escrow check on XX/XX/XXXX to the tax accessor, but only covers the taxes for the year XXXX. When I spoke to BSI, they advised that when they received the loan from XXXX  XXXX, they mentioned there was no escrow balance transferred to them from XXXX. They mentioned that maybe XXXX had paid out the full escrow balance to the taxes, but does not satisfy that comment. As XXXX County tax accessor has provided details that there has been no escrow payment in XXXX. I am beyond disappointed in both servicers as to how they're handling my escrow account. Had I known the irresponsibility of the mortgage servicers was this bad, I would not have set up escrow into my payment. Now my escrow has been reanalyzed and my payment has jumped from about XXXX to now XXXX due to the incompetence of these mortgage servicers. Neither BSI nor XXXX XXXX wants to speak to me directly to figure this mess out. I have done what I am supposed to as a borrower and make my payments on time. If neither, XXXX XXXX or BSI financial want take responsibility for their lack of service, I will be moving forward with prosecution. It just seems as both lenders would rather have my home foreclosed on than to assist me.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NM)

I opened this new line of credit with Comenity Bank to purchase some furniture with XXXX XXXX. My first payment started on and was due XX/XX/2019. I sent payment out on XX/XX/2019. This payment was processed on XX/XX/2019. I was charged a penalty and late fee. I called company and was told there was nothing they could do. Next payment was due on XX/XX/2019 I sent payment earlier on XX/XX/2019. Bank shows payment was received on XX/XX/2019, payment wasn't processed until XX/XX/2019. I was charged more penalties and late fees. Called company and was told nothing they could do I would just have to pay. Next payment was due on XX/XX/2019 I sent a payment that was returned on XX/XX/2019 without explanation. sent another payment on XX/XX/2019 bank shows delivered on the XXXX company again processed on XX/XX/2019 charged again penalties and late fees. Called to speak with a supervisor and was told either pay or be sent to collections and she was not going to do anything about it and if I didn't like it then maybe I should be more responsible about paying my bills on time.