davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (AZ)

Regarding case # XXXX with BBVA Compass Bank, I receives a letter and I responded and when I did they said the act was charged off and the could not tall to me and to call recovery ( XXXX ) XXXX, they said they could not help and for me to go to the branch, branch said to call this #, they are giving me the run around and said that the account is charged off. Told me to pay the {$140.00} and all that is insuffient fees that I should have not been charged with in the first place, I am so upset.
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

I had this amount of XXXX USDT in my Coinbase wallet as of XX/XX/XXXX. 

I am reaching out for help for an injustice caused to me. Many other people have been affected by this company. 

More than $ XXXX ( XXXX USDT ) was drained from my account @ Coinbase on XX/XX/XXXX. I have been following up with Coinbase but to date, nobody has called me from their side and their customer representatives keep saying they are escalating this. 

Before that disastrous event 1. After chancing on links that Coinbase balances were being drained, I tried to move money out of the Coinbase wallet multiple times which I couldnt on XX/XX/XXXX evening. I called up Coinbase and told them I couldnt move my money out. 
2. I then requested Coinbase to freeze my account which they said they could, but then said they would not as they did not see any fraud. 

Imagine my surprise that within XXXX hours after my call I find that my money missing early XX/XX/XXXX. Was this drained from their side? The timing is very suspicious. 

Since then I have not been successful in talking to the right person in Coinbase in resolving the missing XXXX USDT vanished from my Coinbase wallet. In spite of my requests, nobody from Coinbase has called me back.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im filing this dispute on regards of the incorrect personal information that appears to to be reporting to these credit bureaus causing them to fail to provide 100 % accuracy across the boards. Ive tried to dispute many times yet no results.
Consumer complaint received 2015-07-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX, 2015 I in good faith opened up a Bank of America account and deposited a check from XXXX XXXX for {$1.00}, XXXX. I received a check from XXXX XXXX for damages to my refrigerator through a XXXX XXXX warranty account. Once I found out that the check was returned I notified XXXX and was told another check would be reissued in its place. 
I spoke to a Bank of America representative in customer service and explained the problem and was told that I would be given until XXXX 2015 to clear up the repayment. I am requesting that my name be removed from any negative reporting list. I have paid back the bank in full.
Consumer complaint received 2016-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (MA)

On XXXX XXXX, I obtained a copy of my credit report. It lists a negative report by the following agency : CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX Stating : Potentially negative items Collection account. 
{$150.00} past due as of XXXX 2016. 

A photo can be attached. 

This is not my debt. I have never had a XXXX account. I have contacted Convergent Outsourcing but have not had a reply. The only contact they have had with me is the indirect contact by posting false information on my credit report. 

That is libelous and a defamation of my character. I demand that the agencies be contacted at once and have all negative remarks and accusations removed from all credit bureaus. 

Further, according to the Fair Debt Collection Practices Act, section 809, Validation of debts [ 15 USC 1692g ] : ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ... 

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


They failed to perform the quoted sections and are thus in violation of the Fair Debt Collection Practices Act. They have never ever contacted me either by phone or mail or any other method or made any attempt to do so. 

Due to the fact that they are in XXXX and I am in XXXX, I wonder how many other people with a name similar to mine received similar derogatory reports. 

They need to correct this at once.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (HI)

Mr. Cooper 's billing practices are illegally applying principal payments towards interest. Mr. Cooper also fails to disclose incorrect information it provided credit bureaus. 

My loan was transferred to Mr. Cooper in mid-XXXX. I made two previous mortgage payments to the old lender which included extra payment towards principal and also had credit applied at closing towards principal. I contacted them via their website on XX/XX/XXXX alerting them their balance was ~ $ XXXX higher than actual, provided them a copy of the a XX/XX/XXXX statement showing this, and asked them to correct it and the XX/XX/XXXX payment. They stated they I would receive a letter of resolution within 7-10 days. I never received a letter from them. Instead, I checked the account on XX/XX/XXXX to discover they had credited the extra payments on XX/XX/XXXX,  1-2 months AFTER they were actually made. This meant XXXX {$60.00} of principal was washed away, including my XX/XX/XXXX payment. 

I contacted them via the website on XX/XX/XXXX and provided them statements from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX showing all previous payments including the breakdown between interest and principal. They responded on XX/XX/XXXX, " Due to the nature of your request, we ask that you please call us directly so one of our account resolutions representatives may assist you. '' I called on XX/XX/XXXX and was informed the phone agents could not access my previous system emails or submitted supporting documents. The agent said my case would be elevated and should be resolved within 7-10 days. 11 days later, the payments are still not corrected but they have collected their monthly payment on XX/XX/XXXX.  Although the extra payments were eventually credited, I'm still paying extra interest on the ~ {$60.00} which was never credited to the principal from the early payments. 

This extra interest is small, but it will add up over time and I'm just one loan. If Mr. Cooper fails to properly bill me and apply payments on the proper date are they doing it to others? This illegal activity can add up to big dollars. 

Mr. Cooper is also impacting my credit. I received a letter in XXXX in which Mr. Cooper acknowledged they sent incorrect information to the credit bureaus. The letter did not state what misinformation was sent or to which agencies, only that corrected information was sent. If I had questions, I was to call customer service. When I called customer service the agent said wrong information was sent but the system did not specify what, to whom, or how it was corrected. The agent said there was no way for me to get this information. I am astounded that Mr. Cooper does not have to provide specifics. How do I know that the correct information was received by the credit bureaus or even that the information Mr. Cooper sent was actually correct and went to the original recipients?
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, 2016, I submitted a complaint ( XXXX ) against Experian. They have not responded to the dispute in the allotted time ( 30 Days ), nor is the information directly verified from the United States Bankruptcy Court. Experian has violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). 

Under the FCRA, the Credit Reporting Agency is required to verify disputes directly with the lender. Therefore, the lender would be the United States Bankruptcy Court. By using XXXX XXXX, a third party information provider, you have failed to verify this information. The courts DO NOT report any information to the credit bureaus other than my name, address, zip code and last XXXX numbers of the social security number. 
If you insist that you have verified with the clerk, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Please provide the following : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
If this is not removed forthwith, my next communication with you will be taking you to court and filing a complaint with the Attorney General. I am a serious person and I 'm not playing games here.
Consumer complaint received 2015-09-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

While out of town for five days, I received in the XXXX mail a letter stating that XXXX XXXX accounts and XXXX regular savings accounts had been opened in my name. Additionally, I received a debit card and PIN ( in separate mailers ). Shortly thereafter I received XXXX letters from BofA telling my the accounts affiliated with my name had been reconsidered and closed. All these were waiting for me upon my return to town. 

I never applied for an account with BofA, not do I want one. I never applied for a debit card, not do I want one. 

I want some assurance that my credit ratings will not be impacted by these actions and that I am not affiliated with them in anyway whatsoever. 

The name and address used is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

I sent an email to the fraud department of BofA a couple days ago but have not heard from them as of now. If I do, I 'll ask their assurance - in writing - that these transactions were fraudulent and that I am in no way associated with them. 

Thank you. 
XXXX XXXX
Consumer complaint received 2015-04-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have been spending years trying to clear up identity theft and experian will not send proof nor the collection company of a judgment I am unaware of and XXXX collection accounts they simply say " account meets federal guidelines '' Experian is violating the FCRA for not disclosing reasons why they will not remove. Accounts that have been paid by the state throught the Victums fund for example.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

i have multiple hard inquiries that i dont recognize 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 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 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 XXXX XXXX
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A. (NY)

I do not own an LL Bean credit card nor have I ever. It's reporting that I do and my report went down two points.. I have fraud alerts and freezes on my credit due to occurrences like this. I have not ever been an LL BEAN MASTERCARD HOLDER. Not now or in the past. Calling the creditor using the number given on my report just now, they also couldn't find an account with my social security number and therefore couldn't/would n't address it. Please do rectify this mistake correct my credit report score and it showing I have ever had an account with them.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (SC)

As a way of background the servicing on my mortgage loan was transferred in XXXX XXXX from XXXX to PNC Mortgage - In XX/XX/XXXX the homeowners insurance was due to be paid. As a result of incorrect payee setup the Insurance was incorrectly paid and my insurance was subsequently canceled. My insurance agent called me on XXXX XXXX to notify me of the cancellation and I contacted PNC Bank. After an hour on the phone PNC bank did confirm that the account was incorrectly paid and spoke with my insurance agent to say they would overnight a check. A half hour later they informed my agent that they could not send out an overnight payment as they did not have the ability to set up a payee timely. My insurance agent called me at XXXX and informed me that if a payment was not received by XXXX the insurance was not going to be reinstated and I would continue without insurance. I subsequently made the payment of XXXX dollars and as of today I am still waiting for my refund from PNC bank. I have spoken with multiple representatives, Supervisors and left multiple messages for the manager to call me. Throughout this process one thing has been consistent - not one supervisor or manager will call me back. After speaking with another representative today I found out that once again the incorrect agent was paid and no one can tell me when I will get the refund. As the refund amount is XXXX my having to front this money for PNC has become a hardship. Unfortunately this hardship does not appear to be any concern of PNC Mortgage as there certainly has not been any urgency on their part towards resolving the matter never mind simply giving me a call back. The fact that this loan was transferred to PNC has become a challenge for my wife and myself and a scenario that we wish had never happened.
Consumer complaint received 2016-05-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (NJ)

Someone made several puchases in the back of my morning coffee in a local gas station On the run. XXXX? I noticed it on my banking repoRonnettart. Credit report company XXXX credit monitering. A PNC employee contacted me on an odd line. Credit and XXXX othe companies.
Consumer complaint received 2016-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Account Control Technology, Inc. (VA)

ACT or Account Control Technology, keeps harassing me at my job. I have told them to stop calling me at work, but they call several times. If anyone answers the phone they ask them a XXXX questions about me. Then they badger whoever answers accusing them of being me.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (WA)

Through a nasty divorce, I was awarded the family home which was in serious default. My ex ceased making pmts XXXX. I was out of state due to my father 's death ; my ex started drinking heavily ; and landed in jail for 5 months. I filed for divorce XXXX & the judge restricted my ex from the house. I was living with my son for personal safety. The house was vacant XXXX - XXXX when I moved back in after being awarded the house in the divorce. I first went to HUD in XXXX to work with a representative on how I could keep the house. In XXXX XXXX, I tried to reach her and found out she was no longer there! At that same time, US Bank assigned a Relationship Mgr to be my point of contact while requesting pmt relief/modification. XXXX, I was assigned another Relationship Mgr! Since XXXX, the only communication from either of these XXXX Relationship Mgrs has for me fax the same documentation that I have faxed numerous times before! No one will tell me the status ; what the next step is ; nothing! And then when questioned, I was told US Bank will not put in writing the process or time frame! And now I find out I have to start the process all over again because I did not receive a packet the Relationship Mgr was to send me in XXXX XXXX and never returned my calls letting her know I had n't received it!! I have even rented out XXXX bedrooms in the house since XXXX as well as the shop! And have provided over & over again proof of this by way not only bank statements but copies of the checks! The interest rate is 8.9 %! 
I need to be able to speak to someone that can help me. I have done everything they have asked of me and I ca n't get any of the same courtesy back. If they are n't willing to help me, then they need to let me know so I can go on with my life. It 's the not knowing that has added for much stress and it 's effecting my health. Can you imagine living in fear that XXXX day there will be a knock on the door and being told you have to vacate? I live with this daily and my boarders ca n't sign a long term lease because I DON '' T KNOW WHAT IS GOING TO HAPPEN! I truly believe you are my last resort. Thank you.
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In XXXX 2014, I requested a line increase to my Bank of America credit card form {$5000.00} to {$6000.00}. Just this week, I applies for a loan and my credit score was extremely low. On my report it shows that my Bank of America credit card showed that I was over my limit and had been for the almost one year. I contact Bank of America and they say that I was never approved for the {$6000.00} increase however, they let me go over my credit card limit and allowed the purchases up to the {$6000.00}.
Consumer complaint received 2015-09-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I get a regular monthly charge that varies in amount per month. Apparently it is removed from my account on the XXXX or XXXX of the month, but does not show up on my online account statement until the XXXX of the month. The website shows I have money when I check it every morning, so I use some of the money that is " available '' after " pending. '' Bank Of America then charges me overdraft fees for all the amounts that I have used when they backdate the charge. My statement then shows I have money but was charged several overdraft fees for money I was " deceived '' into thinking I had. I do know the charge is coming and sometimes I take the hit on the overdraft fee. I do not expect XXXX overdraft fees I only expect XXXX. 
As per my copy of my " online Bank Statement '' it shows i had funds for the charge on XX/XX/XXXX a purchase for XXXX and available balance was XXXX, they then charged me XXXX overdraft fees when the statement shows I have funds. Makes no sense!
Consumer complaint received 2016-09-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I was paying ontime and monthly on a installment loan from ace cash express times got hard and I was laid off and my bank account was closed. I was not able to make payment for a few months. I am finally working again and want to make payments on my plan but collectors are telling me that I will be summoned for a court day and will have to now pay even more money. I asked them if I can start paying monthly and they said no I have to come up with XXXX within One Hour or I would be summoned to court and then will have to pay even more due to all the fees. I went on ace cash express and It says I only pay XXXX I asked the lady if I came up with that amount can I just pay it off and she also said not. Its too late and I owe XXXX. 
Please help is there anything I can do here.. im willing to start up on payments I started working a little over 3 weeks ago. 


I dont have any information they have stopped mailing me letters almost 4 months ago and I dont have the phone that they would be calling The only reason I know about this is because they came to my work to summons me but i was gone due too a drs appointment. They spoke to my boss about what was going on and gave him a number for me too call
Consumer complaint received 2016-12-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IN)

I was the co-signer on a loan. The borrower was unable to pay, and defaulted. I settled with them for a lump sum payment. After paying, they will not allow it to be removed or updated on my credit report. It still shows I own them $ XXXX. I have called them a number of times. They just say it 's not there department, and transfer me to another, this happens about 3 times before they send me back to the main number. I have tried emailing, and calling every number I have for them. They are NO help at all even though I paid them for a loan I never personally got benefit for ....
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

Security questions for Equifax all had to do with accounts opened within the past few years -- I have n't opened any accounts, which makes me worried that someone 's using my identity. But because I ca n't answer the questions I ca n't access the report online!!!