davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has practiced unscrupulous credit card practices. It is nearly impossible to find out what my minimum payment is. They change the minimum payment without my knowledge, then charge late fees! I am being charged {$270.00} for one month due to late fees. I was not notified of another change in my minimum payment, yet they took my monthly automatic payment of % XXXX each month without informing me of the changes. I contacted them via phone in XXXX and XXXX of XXXX and XX/XX/XXXX. I also contacted BOA on XX/XX/XXXX, via social media as well, only to be ignored. I never had a problem with my payments being late until the latter part of XXXX, unbeknownst to me. I also emailed BOA in XX/XX/XXXX via email seeking assistance with locating the minimum due date of the credit card but it is nowhere to be found in my account on the BOA app. I feel that they deliberately make it difficult to find the minimum due date and difficult to pay on time so that they can charge you late fees. This affects my credit score and payment score as well.
Consumer complaint received 2021-05-22
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. (GA)

I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE. This is hurting my chances of moving into a new place.
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUSTMARK CORPORATION (FL)

I have received an insurance check due to damages occurred during Hurricane Michael. The bank Trustmark Bank is holding those funds in a escrow account. I have submitted receipts to them for money spent and for upcoming contractors. They are saying they need to do an inspection before the release of funds. I have been promised now for a month that they will be scheduling this inspection. There has been no contact from the inspector yet. I call daily and they keep promising me that some one will call. This has been going on for two weeks. I have spoken to managers, and my direct contact XXXX. XXXX XXXX. I can not get any action on this, I am only asking for a partial amount so am I going to have to go through this each time I need a draw? It is causing undue stress and hardship on my financials and my family. Any help would be greatly appreciated.
Consumer complaint received 2021-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Basically the 3 bureau are not removing all the negative items on my report. Every negative items has been disputed numerous times. The bureaus is not following the fair credit reporting act. Stating if no communication the negative item must be removed off the customers credit report. I've spoken woth all 3 bureaus. I have credit repair since XXXX of 2021 and the bureaus has not communicated nothing with me about any validation or nothing. My right as of now is for all 3 bureaus to have them removed. Also if a collection was sold to another collection company that's by law isn't my debt it supposed to be removed as of ASAP. please advise and have these items removed due to lack of communication on the bureaus actions of not helping or removing all these identity fraud accounts. I've told them for years they are not mine. And due to lack of communication the 3 bureaus has to remove them now. Its been way over 8 months with no communication.. please advise and assist.
Consumer complaint received 2017-12-03
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: North American Asset Services, LLC (FL)

In the month of XXXX 2017, I called XXXX XXXX to inquire about services, products and prices. I immediately and specifically told the representative that I DO NOT give authorization for them to check my credit report because I was n't sure if I wanted the service at that time. I was simply conducting a comparison with other providers in my area. The representative assured me that he would not check my credit. I was given some information and told him if we decided we wanted service with XXXX XXXX, I would call back. I now have an unauthorized hard inquiry on my credit report from XXXX XXXX dated X/XX/17. I am not happy and totally disturbed that I would be taken advantage of so quickly and easily simply because I wanted to know about the company 's services and products. I was a former XXXX customer so once I gave the representative my name and address I 'm sure that 's how he obtained my social security number. This is fraud and I want it removed! 
Thank you for your services.
Consumer complaint received 2021-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OR)

There is a lot of talk about cryptocurrency these days. A friend has suggested that I start buying. After looking at different options listed by XXXX I decided to start learning crypto  using coinbase.com. I created an account and bought some cryptocurrency coins. I used the coinbase app for XXXX and the app requires a 4 digit pin. I used the app for about a month only having to use the 4-digit pin and I was not practicing the password. After about a month the app required that I type in my password again. I typed what I thought was my password and the app gave me an error " We are having connectivity issues, please sign on using a computer ''. I switched to my laptop and could still not log in. So I used the " forgot password '' link so that I could reset my password. No reset email showed up in my inbox. I repeated this process 10-15 times and never got a reset email. Next I contacted Coinbase help ( help@coinbase.com ) to figure out why the password reset was not working. Going back and forth over several emails with coinbase help, they continued to give me instructions like " clear your cache '' " update your browser '' " try a different browser ''. I tried all of the solutions and could still not get the password reset button to send me a password reset email. Finally, Coinbase informed me that the only way to get access to the money I have already transferred to the company was to " create a new account, verify that account by uploading my ID, clicking a link in an email ( not a good idea due to phishing scams but I had to comply ), I had to provide the last 4 of my SSN. My new account is now verified and according to Coinbase that is not good enough. They still will not give me access to my money. Now they say I have to log into their website and do a " face scan '' so that they can map my face before they will give me access to MY MONEY. This is absurd. Its hoops after hoops and all they do is keep my money. Coinbase is causing me great harm by worrying about my money for almost 2 weeks now. I have accounts at 4 different banks. If I need to change my password on any of their websites, I can do so in minutes. There is no reason XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX can allow me to change my password, but Coinbase will not. I believe Coinbase has stolen my money and they will not allow me into my own account. This is not right. All I want at this point is to end my financial relationship with Coinbase and have them return to me all the funds they have " stolen ''. If you take someone's money and refuse to give it back that's called " theft ''. Coinbase needs to be fined or sanctioned in some way. If they are doing it to me, they must be doing it to others as well. This is not right.
Consumer complaint received 2021-07-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (FL)

Debt collector is withholding insurance proceeds of {$8100.00} from me. It was my insurance policy. I put money out of my pocket to pay for the home repairs after the Hurricane and I am the one who negotiated with the insurance adjuster, met the follow up inspector and submitted my claims for the recoverable depreciation. The {$8100.00} collected is due me - the consumer - not the 3rd party debt collector. Each check sent in was done so via Special XXXX XXXX XXXX for the benefit of the beneficiary, ie me. Please help me get this returned. I am submitting this request in a good faith attempt to resolve this issue administratively. If necessary, I will go to court next. Thank you kindly, XXXX
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

I received a deferment XXXX and XXXX, however my account keeps bouncing from XXXX to XXXX as being late. Can we please fix and update my credit. GM Financial is not trying to help me.
Consumer complaint received 2021-11-05
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. (CA)

I have disputed these inaccurate accounts on my credit 4 times. It's been over 7 months and the credit bureaus have failed to do their job. As of this day I have not received any proof of how these accounts were verified for accuracy. I certified mailed dispute letters dated XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. These accounts are hindering my ability to obtain credit. If these accounts are verified accurately I will be pursuing legal action. I ask for the last time to investigate these accounts and send me proof of the documentation you used to verify these accounts for accuracy. I have attached my latest credit dispute letter dated XX/XX/21
Consumer complaint received 2019-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc. (TX)

My wife received a call a couple of months ago from Complete Credit Solutions regarding a supposed online payday debt from 2016 in my Name. We had NOT received any correspondence in the mail from this company. They claim they have sent multiple letters which have not been received. The original creditor is XXXX which from our research is a tribal online payday lender with multiple complaints and lawsuits. We asked for validation which to date nothing has been received. 

Last week, she received the attached email from another " attorney/collector '' stating they were collecting on the same debt that CCS had transferred to them. They then called my XXXX year old daughters cell phone and left a recording to which my wife called them back and told them to stop calling and send something in writing for us to respond to. They refused saying letters have already been sent. Again we have received no letters. Today CCS has now reported this unvalidated debt on my credit reports.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I dont have any information other then what was listed on my credit. XX/XX/XXXX I received notification of an account with them that has gone to collections despite not have a open mor delinquent account. I called spoke to a supervisor she said she didnt see any account for me despite this being the third time hearing from me calling to report inaccurate reporting, i said well its here and she asked for me to send copies to email XXXX. The credit report showed an collection origination date of XX/XX/XXXX for balance of {$460.00}. I did showing collection activity and account information plus amount. I called to confirm receipt and was told she did and will forward to main office to investigate and correct because there is no account under my ssn. As of XX/XX/XXXX its still there and the store hung up on me stating maam there is no account nor was one sent to collections because theres nothing to send.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I would like to comment that Im not satisfied with the decision that the company had given me. Based on the following reasons : 1 ) I was not given an option to not purchase the extension of the insurance. Therefore ; I thought it was mandatory. 2 ) at the moment of the necessary of using the insurance, I found out it was a scam, it was false information that was supposed to be covered. 3 ) at the moment to make a claim, I was indicated that I could not use the insurance not cancel it, this matted affected me as a loyal client. 4 ) the manager of financing didnt want to face me at the moment of claiming ( XXXX XXXX XXXX after a long wait he aproched to the financing area, sarcastically asking if I was happy and then laughing saying that the payment was nothing. Which it not a respectful action coming from a manager to a client that has referred many people to purchase their vehicles here. Therefore ; the financial services always have the rights, a client can never have the rights based on their ends. 
They made me wait more than XXXX hours to attend to my claim, which seems to me to be a technique to play tiredness, and when I was attended to I was mistreated as a customer and even discriminated against, letting me know that my money was worthless.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (KS)

Last week I purchased groceries at XXXX XXXX. The attendant asked me if I wanted to open a charge card, I told her no, she asked if I wanted to up my membership I stated no. She said it was two questions I would be asked. I explained to the attendant I did not want an inquiry on my credit which is what happens when you open up a new line. I paid for my groceries and left. Then when checking my credit it says I have XXXX line of credit at XXXX XXXX. I did not agree to this line of credit, I have no XXXX Charge card in my possession and I specifically told the attendant I was not interested in opening a line of credit.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

Every XXXX, I order my FREE reports from annualcreditreport.com. I  received my free reports from all except EXPERIAN. This year they are giving me grief, for some reason.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (CA)

On or around XX/XX/XXXX, before my travel, I contacted American Express ( AE ) and informed them about my travel. From XX/XX/XXXX, thru XX/XX/XXXX, we made several calls to AE to discuss credit card account ending : XXXX. However, none of the AE representatives ever asked for any financial documentation, they asked income related questions but never asked to provide any documentation, On XX/XX/XXXX, while I was in XXXX I received an email from AE asking for financial documents ; I was given 14 days to provide these unspecified documents. It is my understanding that per Credit CARD Act of XX/XX/XXXX, a creditor shall provide a written notice not later than 45 days before any significant change. I tried to send a reply, but the email was returned undelivered. So I went online to have a chat session with XXXX, an AE online account specialist. XXXX put a note on the account about me being in XXXX and to provide needed documents on my return on or about XX/XX/XXXX. 
On XX/XX/XXXX, AE cancelled my account. Here are my arguments : I used AE card before my departure for a higher amount and paid the account in full and kept my account current and in good standing. I have other credit card accounts with AE none of them ever became past due or were late in payment. 
I notified AE at least two weeks before my travel XX/XX/XXXX, if any documents were needed why AE did not ask at that time. 
XX/XX/XXXX AE blocked further transactions on my account without any notice. 
I chat with XXXX on XX/XX/XXXX, and he put a note on my account. XXXX did not inform me that XX/XX/XXXX, is too late, and AE would cancel this account. 
On XX/XX/XXXX, I paid my AE account number ending : XXXX in full. I paid {$5300.00} and kept this account current and in good standing. 
On XX/XX/XXXX, while I was on a travel trip in XXXX, I was robbed XXXX. After the robbery incident, I notified American Express ( AE ) about this unfortunate incident. 
After coming back to USA on XX/XX/XXXX, I filed a claim with American Express ( AE ) and on XX/XX/XXXX I received a letter from AE, denying my claim. The above reference Purchase Protection claim XXXX # XXXX ) was denied by AMEX XXXX XXXX. 
As of this day I have not received any written notice and given no reason for the cancellation of this account. AE violated their purchase protection policies, prejudice my claim and closed our current and good standing account so they can ignore this claim.
Consumer complaint received 2021-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HORIZON BANK (LA)

This complaint is a follow up on OMB # XXXX. I now notice a letter that was sent by First Horizon to XXXX XXXX XXXX ... which is not valid and has been part of my issue with identity theft. I do mot have a po box nor access to any. The borrower and the guarantor are two different names but bank states they are same person. I requested a copy of report the bank used to pull my credit and they would not provide. I contacted XXXX to obtain information on alias used. XXXX has no record of false name on any of their reports provided. 
The bank had a copy of my drivers lis envelope but names dont match. The bank had no identification on record on primary borrower who wrote a {$240000.00} to himself very shortly after the {$250000.00} HELOC originated. Importantly, the collateral used to secure the loan was an empty lot. I never received information because primary borrower changed address information. 
The bank letter indicated a XXXX branch which is also incorrect. There is no XXXX branch in Louisiana to the best of my knowledge. I am most concerned about the false information on the application. Had the bank done due diligence and noted the obvious red flags associated with address changes and large transaction this could have been avoided. I am presently in a drawn out legal dispute resulting from both their actions and inaction. A prenuptial agreement was on file with the court which clearly stated a separate property regime. The HELOC presents as if three parties were involved. Only one state issued identification is noted. When I met with one witness stated on the loan documents, she initially stated that she did not recognize me and did not believe we had ever met before. That individual shortly after changed her mind. However she no longer works for the bank. Lastly, a {$240000.00} counter check transferred the money out of a joint checking account within days of the loan approval. I am now faced with a court order to sell the home at a price that I am forced to accept. The actions of the bank have cost me at least {$170000.00} in stolen equity as well as over {$40000.00} in litigation fees.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NC)

I received a collection claim from ERC on XXXX XXXX regarding an alleged unpaid amount for XXXX XXXX XXXX. I contacted ERC and was told that it was regarding service from XXXX XXXX, 2015 -  XXXX XXXX, 2015 at a former address. They also confirmed my social security number. I did have XXXX XXXX XXXX service around that timeframe but it was cancelled and the equipment was returned, a forwarding address was provided to XXXX XXXX XXXX and no claim was ever filed in the two years since. I contacted XXXX XXXX XXXX to verify that there was no money outstanding on the account that evening and they confirmed this. 

ERC asked me to file a dispute, which I did. I have also placed a 90 fraud alert at the credit agencies, in the event that this is someone who has accessed my social security number and former address in order to open fraudulent accounts or make a collection of funds. 

The ERC representative tried to get me to pay a settlement on debt that is not mine and I am concerned that my information will be used inappropriately, as I have no idea how they received it in the first place.
Consumer complaint received 2017-11-20
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. (CA)

I write to this credit repository last XXXX XXXX, XXXX. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA.