davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

In XXXX, after 20 years of employment with the same company, my wife was laid-off due downsizing. She had several credit cards at the time and I was listed as an authorized user on some of them. I was not the OWNER of any of the credit cards - I was only an AUTHORIZED USER. My wife was successful in finding another job but the pay was 1/3 of what she was making before she was laid-off. For over 3 years, she tried to keep up the payments on her credit cards by drawing money each month out of her retirement account. Unfortunately, in XXXX of XXXX she had no choice but to declare bankruptcy because she had used up her savings and retirement dollars. After she was discharged from her bankruptcy, I began receiving certified/registered letters from XXXX demanding that I pay the balance on her credit card. I explained to them that I was not the owner of the card, but simply an authorized user. I asked them to send me proof that I had signed the cardholder agreement as a responsible party. I received a letter from them stating that they did not have the proof that I was a responsible party on the account. I explained to them that until they could furnish proof that I was a responsible party on the charge card that I was disputing the validity of the debt and respectfully requested that they do not contact me again. To date, they continue to harass me requesting payment and have now sold the account to a collection agency that is demanding payment. My wife talked to the attorney that handled her bankruptcy and was informed by her that I am not responsible for this debt. I am requesting that the harassment for payment on this account be stopped and that the negative information they have reported on this account to the credit bureau be retracted.
Consumer complaint received 2017-03-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Bread Financial Holdings, Inc. (WA)

Received a vague call from "  XXXX   XXXX  at extension #  XXXX  telling me either I or my atty must call her regarding an urgent matter ( did not disclose company or debt on the phone ) and gave me this number to call her back :  XXXX   XXXX   XXXX  X  XXXX . I googled this and it appears to be some kind of scam, so did not respond to the phone call. I would liike to see these kind of scammers apprehended and their ability to get phone numbers shut down. It looks like they have been doing this kind of activity for several years.
Consumer complaint received 2017-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (VA)

To Whom It May Concern, I am consistently getting charge a paper statement fee on my business checking account. I worked with TD Bank customer service department to assist in removing these paper statement fees, whereby I keep on experiencing " website '' issues via TD Bank online. Every time I login, I received a message stating that website is under going maintenance issues. It is impossible to sign up for online statements. 

I believe that TD Bank purposely preventing its consumer from signing up for this option. Many of its customers will NOT stay on the phone for a representative ( 30 minutes or longer ). 

Consumer Financial Protection Bureau needs to investigate TD Bank whereby I strongly believe it violates federal consumer laws.
Consumer complaint received 2018-03-23
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: EQUIFAX, INC. (GA)

U have contacted the credit bureau several times on several different attempts and occasions ... I have not received and proper paperwork or updates on the request that I have asked. It show that taxes liens are reporting on my credit file.. There have been a serious error I have no liens. These files have to be for someone with the same name.. This is putting my life at a stand still and a hold.. Which is absolutely not fair to me or my family
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (SC)

I was in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all my physical assets were lost including the phone associated with this account and the debit card associated with the account. There is over {$400.00} in this account now and the company says they can't grant me access because of security reasons even though I provided all the identifying documents they requested. Cash App requesting information and me providing the information they requested has happened more than XXXX times and they still haven't transferred my funds to the new account. It seems like they are giving me the run around for my money and these funds were disbursed to me by the XXXX XXXX XXXX. I am XXXX, I need these funds to survive and Cash App is not allowing me access to my money.
Consumer complaint received 2021-06-23
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: EQUIFAX, INC. (NJ)

Sometime on XXXX, XXXX, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine. After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX  and XXXX  finally removed the unknown accounts on my report. 
Unfortunately, EQUIFAX has been refuse to remove an account and that is allegedly because XXXX XXXX XXXX, is verifying the alleged debt, by the way, most of the accounts were with the above mentioned collection, so I am now contacting the CFPB because I need this last collection account out of my credit report, it is affecting me a lot.
Consumer complaint received 2019-05-28
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. (NY)

Ive sent 3 or more dispute letters to EXPERIAN regarding inaccurate information on my credit report in regards to XXXX XXXX BANK. XX/XX/XXXX thru XX/XX/XXXX. Ive sent a method of verification letter on XX/XX/XXXX also. They never complied with request, they only sent a credit report showing verified. Credit report # XXXX was the last report I received from Experian. This report shows verified, however doesnt indicate who they verified this debt with. Ive tried to reach out to XXXX XXXX bank, however was advised account no longer being service by XXXX XXXX bank. I was given phone number XXXX. Ive tried calling that number, without success and, not sure who Im calling, because while waiting for someone to answer, the recording isnt clear. I have also reached out to XXXX XXXX XXXX, which on my Experian report indicates this account was sold to them. They advised they sent updated information to all 3 credit bureaus. XXXX   and XXXX deleted the account from My credit reports already.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

I pull up my credit report and noticed inaccurate information. I immediately disputer the account and Experian came back with verified. when I called the company XXXX to verified the accounts, they gave me a lot of running around for a year. I went back to Experian and ask them to provide me with verification that they got from the company and they were not able to. its been over 2 yrs dealing with the company and XXXX and I am not getting any were.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

Citi is trying to force and shape how individual businesses sell products to customers.

No one wants financial institutions deciding which legal products you may purchase.

Citi has no place determining who and what legal items can be purchased by legal citizens. Citi is a corporation who was helped by the people of the United States, they have no business telling its citizens in what fashion they can use credit to make legal purchases. Our government has systems in place to determine what is legal and what isn't, Citi is not a governing body.

I am currently working to divert all personal business away from Citi and to other credit corporations.
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Love, Beal & Nixon, P.C. (OK)

We had to declare bankruptcy in about XXXX or XXXX. We were then told to try to build our credit back up a little at a time. So, we took out some preapproved credit cards. Not realizing that the finance charges were so unfair. Then my husband was badly hurt at work. At about the same time. He is on social security XXXX. I have XXXX and it is well documented. Anyway, that was a long time ago. And I told them we absolutely had no money. The man on the phone cussed at me, he called me a liar and he sounded like I had taken money from him personally. Anyway I refused to make any kind of payment plan as we did not know what was going to happen to my husband. He could not ever be fixed. He can not read. He only knows hard labor and he can not do that. I only got my card because it was preapproved. It was XXXX XXXX XXXX. I tried to make payments to XXXX XXXX but simply was not able. Now, a place called Love, Beal, and Nixon has a lien on our place for almost 3 times what was ever owed. The info I have on them is that they can not make a living as real lawyers so they pick up these old debts and they try to scare you or badger you until you pay it. They are based in XXXX XXXX OK, XXXX. XXXX XXXX, XXXX phone # XXXX XXXX XXXX XXXX filled out the lien. XXXX XXXX XXXX, XXXX, # XXXX, XXXX XXXX XXXX # XXXX are supposed to be the lawyers. It has been so long since I even had a credit card or a bank account. I just want answers. I want to talk to the original place, XXXX XXXX.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

Same complaint as XXXX previously filed with the CFPB. 

Email message from Capital One below. They report a change in phone number which never occurred to lure me to their website to make financial offers to me. They did the same thing a few months ago, see complaint number above and responded with a boilerplate " sorry '' letter after CFPB complaint. I had my ID stolen and emails of this nature are stressful and require a response from me which takes my time. Capital One is engaging in unethical, illegal and predatory behavior. 



Did you change your mobile number? 
XXXX XXXX Inbox Capital One This email was sent by the organization that owns the logo shown. 
XXXX From : XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX Sign in to your account Sign in Capital One Lets make sure weve got the right number. 
XXXX, Looks like the mobile phone number we have on file for you may be incorrect. This could be the result of changing your phone number and/or mobile carrier. Please update your mobile number so you can receive important account alerts.
Consumer complaint received 2017-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (CA)

I took a {$700.00} loan and repaid {$620.00} of the principal. The loan company is making it difficult to pay off my loan. I have tried to pay it off online and it refers me to their customer service number. Two times I have set up a payment with the lender and twice I have been told it did not go through. I recently called and asked to pay off my loan. The representative informed me that the pay off was around {$160.00} and I decided to do that. The payment once again did not go through and the company is telling me now that the payoff amount is above {$400.00}. This is because of the huge daily interest they charge. 

I feel they are not taking my payments on purpose to continue accruing interest. Especially since they are using the original borrowed amount for interest instead of my new principal.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (CA)

I went to court with OneMain Financial over an unpaid personal loan that went to collections and was reflected negatively in my credit report. 

OneMain Financial and I settled out of court on XX/XX/XXXX, agreeing to mutually release and mutually dismiss the case. In section XXXX of the settlement, XXXX agreed to remove the account entirely from my consumer credit reports. 

As of today, XX/XX/XXXX, this derogatory mark is still in my credit report and needs to be removed. I have not been able to get a hold of anyone at OneMain to get this to happen. I've been advised to reach out to CFPB to address this.
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (VA)

Chase Mortgage bought my 5 year old loan, did not pay my homeowners insurance, sent a letter 2 days before it is expiring say they will buy a more expensive one for me. I have not changed my home owners insurance, they have an escrow account, and they should pay for it or close the escrow account and let me pay for it.
Consumer complaint received 2017-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (VT)

I sold XXXXEthereum on Coinbase on XXXX XXXX at XXXX for XXXX $ US Dollars and the money went into my USD Wallet on Coinbase at exactly the same time at XXXX. At XXXX on the same day I clicked to withdrew my funds from my USD Wallet that contained XXXX $ US Dollars to my XXXX XXXX  checking account ; provided I had already setup payment methods before. On the USD Wallet transactions page it showed that my transaction was " completed '' .I gave 2-3 business days for the money to arrive to my checking account on my XXXX XXXX account. The screen then told me that my money would arrive by the " end of the day on Saturday XXXX XXXX ''. I filed XXXX emails before and after that given time as my money did not appear but on Coinbase their transaction was " completed ''. I re-checked my account and learned that under the " History '' tab my transaction was still " pending ''. During this time I reached out to the community forums as well as Coinbase support to figure out the issue but all I got was automated response emails. It is now XXXX XXXX of XXXX and my XXXX $ Still has not been deposited into my checking account. I want this issue to be solved but so far I have received absolutely no support from their support page and I learned that this happened to thousands of other people as well. I would like to close my account and never use their service again but still cling to the " hope '' that my money will be deposited. This is unacceptable and should be fixed.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc. (NV)

I am not liable for this debt with XXXX - XXXX XXXX XXXX and I do not have a contract with AMERASSIST AR SOLUTION plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$120.00}
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: MLB Residential Lending, LLC (DE)

Submitted a mortgage loan application with MLB Residential Lending , LLC for a refinance mid XX/XX/XXXX. Went through all processing stages and received a clear to close from the lender and their closing attorney on XX/XX/XXXX. The loan was scheduled with the title company for settlement XX/XX/XXXX at XXXX XXXX. The day prior to settlement, XX/XX/XXXX, I received a phone call from my loan officer that the underwriter stated that the loan can not close as currently structured due to investor guidelines and we have to restructure the loan as a purchase transaction. Over the next 3 weeks I submitted additional documentation requested by the lender and received my new disclosure package on XX/XX/XXXX at XXXX XXXX. I re-signed the new disclosure package and printed 6 documents and physically signed and faxed back to the lender, per instructions provided by lender and loan officer. Prior to the close of business that same day, I received an email stating that my loan status has changed to statement of denial and instructed me to contact the loan officer with any concerns and/or questions. After further review, my loan was denied due to incompleteness. I inquired with my loan officer and he disclosed that he was no longer employed by MLB Residential Lending , LLC and instructed me to contact them directly moving forward. I called the lender and left a voicemail message. My call was not returned. I then followed up with an email inquiring about the denial and I received an email back stating that the loan was denied due to the sales contract not being complete. I have sent several emails asking why I was not given an opportunity to fix and/or provide additional information to complete the sales contract. To date, I have not received an answer from MLB Residential Lending , LLC giving me a reason why.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (SC)

Opened a Military Star card in early XXXX. Lost my job XX/XX/XXXX could no longer make payments by early XXXX. Company was charging 2 % interest on uniforms and 12 % interest on all other purchases. Company charged-off balance of {$6600.00} in XX/XX/XXXX. Last charge/usage was XX/XX/XXXX. Account turned over to a collection agency XX/XX/XXXX, XXXX XXXX XXXX. Star card added collection costs to the balance and has continued to accrue interest, now at a much higher rate, since charging it off. I was out of work for 18 months and could n't make payments. In XX/XX/XXXX, I made a payment of {$100.00}. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, they confiscated my Federal income tax refunds of {$540.00}, {$150.00} and {$230.00} respectively. I had an attorney make a request in XX/XX/XXXX for a copy of my original contract. Last week I received documents from them that were incomplete and would not be considered " the contract ''. My attorney says she has not been provided enough information by them to know my standing on this matter. She has found the " Military Exchange '' ( Military Star Card ), to be generally unresponsive. She sent a request to settle on XX/XX/XXXX, in the amount of {$6000.00}, which she still has not received a response. I believe that the interest that is being charged ( accrued ) is not legally permissible. They now claim that as of XX/XX/XXXX, I owe {$10000.00}. There is a three year statute of limitations for this type of debt. This limitation expires XX/XX/XXXX. They claim that I made a voluntary payment in XX/XX/XXXX. I did not. They confiscated my Federal income tax refund.
Consumer complaint received 2017-04-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NV)

Chase bank closed one of my accounts suddenly. I had deposited checks in the account which has cleared before they closed the account. I have called numerous times and get the response that it was closed due to them flagging it as fraudulent. I was to meet two terms to be able have the funds released. I met both but yet over a month later no funds have been returned. They closed the account on XXXX. I have a statement showing money that has been withdrawn out of the account. they state they need to verify one more check before releasing funds. I am assuming over a whole month is enough time to ensure the check is good. The Checks were signed over from my father who also verified with the bank that it was no fraudulent that he had given me the checks as a b day gift and to help pay my car payment.
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp (CA)

I DONT UNDERSTAND HOW THIS COMPANY EQUITABLE ACCEPTANCE CAN TAKE MONEY FROM MY HUSBAND I DONT UNDERSTAND WHO THEY ARE THE WAY THEY EXPLAINED IT WAS WE PAY THEM TO LOWER OUR BILLS. HOW IS THAT IF WE OWN THEM ( WITH INTEREST ), SO I GOT TIRED OF PAYING THEM ALL THE INTEREST SO I PAYED THEM OFF WITH MY CREDIT CARD, NOW THEY SAY WE OWN A COMPANY CALLED STUDENT DEBT SERVICE?? WHO IS THIS?? NO ONE SAID ANYTHING ABOUT THIS COMPANY!! WE WHERE UNDER THE IMPRESSION THAT WE WOULD GO THROUGH XXXX. SO WE FEEL NOW THAT WE ARE BEING TOSSED AROUND TO SEVERAL COMPANIES WE DONT KNOW IF THIS IS AN HONEST COMPANY OR NOT BUT ACCORDING TO THERE WEBSITE THEY ARE NOT TO BE TRUSTED PLEASE HELP!!!!
Consumer complaint received 2017-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (RI)

i would like to file complaint against wells fargo home mortgage loan.
i have been paying my monthly home mortgage loan since XX/XX/XXXX. i noticed there is something wrong with my statement they been sending me. i requested copy of my monthly statement. it does not show where my payments are being credited, its rather confusing. everytime i called up wells will just tell me they will just call me back but they never return my calls. again, although I 'm sending my payment every XXXX day of the month starting XX/XX/XXXX to todate i can not seem to understand where my payments are being credited. these are statements they just sent meXX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX.
Consumer complaint received 2019-03-02
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RMS-Recovery Management Services, Inc. (FL)

They continue harassing my employer after my employer and myself have told them to stop calling there private cell phone number. I also told them to stop calling my cell phone during my work hours that I would look into the debt which I told them was already paid. I told them I had to get proof from the United States Treasury Department which took it out of my tax return in XX/XX/XXXX or XX/XX/XXXX.