davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-06-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (MD)

Received derogatory for an old medical debt week of XX/XX/21. Received offer to settle it for {$79.00}, which I promptly did on line. Funds were withdrawn from my bank account on XX/XX/21. Payment shows as received on their website, however they have STILL not " officially '' posted it nor reported said payment to the credit bureaus. I call them every day, I have emailed them screenshots. No joy. To my own dismay, I have resorted to abusung them back lately. I am trying to get a $ XXXX mortgage right now, and a ridiculous {$79.00} that I already paid is holding it up. This is unacceptable.
Consumer complaint received 2020-07-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

I sent a payment of {$1900.00}. This payment was placed in escrow without my knowledge or my agreement. I made an inquiry to this payment in XXXX of XXXX and was told it would be taken care of. 
I was told that the payment was placed in escrow since it was a partial payment ( short {$99.00} ). Payment currently just increases from {$1500.00}. I believe your company to be honorable and would ensure it would do as it said. When I noticed in XX/XX/XXXX that the payment still was not applied correctly to my account. I called your company and insisted that I speak with a supervisor. I was told the payment was never removed from escrow and that made my account appear to be three months behind. During this conversation, I was once again ensured that the payment would be moved from escrow to my principal mortgage payment account. I requested that any interest or fees that accrued due to the displacement of the funds be removed or refunded to my account. I was once again ensured that this would also happen. 
In XX/XX/XXXX I called your company back once again because I notice the payment was still not applied to the correct account. I went through the process again explaining the problem and was ensure all corrections would be made as requested. Still, no progress was made on moving the funds to the correct account as of XX/XX/XXXX when I made another inquiry to why this problem persists. I was told this problem would be corrected by XX/XX/XXXX. I waited and called back to see if this was truly the case because, at this point, I have lost complete faith in anything I am told by your agents. Once again, I asked to speak with a supervisor, I was informed that the money would not be moved because it was past the six-month period to dispute. 
I have been calling and disputing this issue since XX/XX/XXXX and now I am told that is can not be done due to time expiration. I was not informed in writing about the moving of my payment to escrow. I received no notice asking me if this was something I agreed upon. Each time I call the person I speak with has no record of the previous call or transcript of the calls. 
I just received a denial letter from LoanCare which stated the same thing that they said over the phone. In the document attached they only included payments from XX/XX/XXXX until the present. My problem with that is why not send all my payments on the account so I can see how everything has been applied to my account.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I disputed a charge that was incurred in XX/XX/XXXX by a hotel in XXXX. The hotel charged 100 % of their fee for not showing up. My email confirmation of the reservation stated that I was only responsible for 50 % of the charge. I called Bank of America credit card dispute department and they promised to look into it. On my next credit card statement I received a credit for the overcharge. I thought that was the end of it. I then received a letter from Bank of America dated XX/XX/XXXX requesting more information about this particular charge. However, that letter dated XX/XX/XXXX arrived in my mail on XX/XX/XXXX with a response deadline of XX/XX/XXXX. I sent in the information they requested the following day : XX/XX/XXXX. Obviously they did not receive the response by their deadline which was due to no fault of my own giving the date I received the request for more information. Because they did not receive the response by their deadline, they refuse to arbitrate on my behalf.
Consumer complaint received 2020-06-22
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. (FL)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-11
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. (NC)

XXXX XXXX  account was disputed and removed in XX/XX/XXXX from my Equifax credit report. This was a mistake, at the time of the first reporting account was unfamiliar but in fact valid.This was due partly to the loan being transferred from my previous lender, which I was unaware of at the time of the dispute. Since then, the account has been reported by XXXX the lender as accurate and updated monthly. Yet, equifax still continues to suppress this information and essentially blocking the tradeline. As of XX/XX/XXXX account was reporting creating a fico score of XXXX, as of XX/XX/XXXX this information went missing resulting in a lower fico score of XXXX. This is damaging to my credit score and worthiness as a consumer. Covid-19.
Consumer complaint received 2017-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

Coinbase had a fraudulent " flash crash '' Due to  deliberate market manipulation at XXXX on Ethereum which caused everyone to lose millions and billions of dollars. I myself lost a substantial amount of money. XXXX XXXX  XXXX There are numerous people that were affected.
Consumer complaint received 2017-09-01
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

We sold our home in 2016 as a short sale. We have documents from the bank showing it was an approved short sale. They have reported it as a foreclosure on my credit. We are currently trying to purchase a home and we can not proceed until they remove the foreclosure from my credit. 

My wife has called them multiple times and they refuse to listen. We 've disputed the claim with XXXX and also XXXX and they 've come back and said it was legitimate. 

We need this to be cleared up as we are living with my wife 's parents until we can proceed with purchasing a new house!
Consumer complaint received 2020-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

{$2500.00} has gone missing from my savings account after an ACH bank to bank transfer was initiated. 

2 trial deposits were first received at my XXXX XXXX XXXX and then a they were removed, proving that the routing number and the account numbers were correct. These were processed on XXXX, the same day the ACH transfer went missing. 
Another ACH transaction was stopped on XXXX. 

I have been calling their online phone number for the last 2 weeks  with no progress, just a run-a-round. Spent an hour on the phone on XX/XX/2020 and paid a driver to visit the branch in-person. Spent 2 hours talking to the branch manager. He called a bunch of internal people with no result. I asked for the money to be replaced in my account and they would not do that. 

They basically stole the money from me. I want them to refund the stolen money and the guilty parties fired or put in jail!!! 
Thank you.
Consumer complaint received 2017-09-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

XXXX XXXX Friday, XXXX XXXX XXXX XXXX XXXX Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 

Went on my phone and tried to login at XXXX did work went to rest the password and once I entered the password it showed too many tries and try again in an hour.Tried to login at XXXX did not work-too many tries try again in an hour.
Consumer complaint received 2021-02-20
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. (MD)

I have been contacting the credit bureaus for years for them to update my credit report correctly and they have refused to do so basically stating that the information is accurate and I have asked them to provide the documentation that they have been able to identify the accounts as accurate and they have not done so. I would like for the accounts listed below to be deleted from my credit report as quickly as possible because I am trying to get back on the right track.
Consumer complaint received 2021-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I XXXX XXXX make a sincere request to three of my creditors, for relief of a one-time late payment during a month where I was hospitalized for XXXX from XXXX. I am a veteran of the United States XXXX, and I served in the XXXX during the invasion and ultimate success in securing freedom for XXXX. However, over the years I dealt with the XXXX problems, and in XX/XX/2019 I was hospitalized where I had no access to pay my bills on time. Several creditors already removed the 1 X 30- day late payment as a courtesy to a military veteran. I am now XXXX  % covered by military XXXX, and I also work full time running my own business. I believe that my business will go through high growth periods over the next five years, and my excellent credit history was always a priority in my life. Accordingly, I respectfully request the XX/XX/2019 late payment as I was not in any position to attend my affairs. I am now healthy but there was a short time in my life, dealing with XXXX was impossible. I thank you for any consideration you can show me. Thank you. XXXX XXXX
Consumer complaint received 2021-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TRANSUNION HAS LISTED AN ACCOUNT ON MY CONSUMER REPORT WITHOUT MY PERMISSION. 
TRANSUNION IS NOW CIVILY LIABLE AND CRIMINALLY LIABLE. 

THE ALLEGED DEBT ALSO DOES NOT MATCH THE LISTED AMOUNT ON THE CONSUMER REPORT. 

THIS ACCOUNT IS FROM AN DEBT COLLECTOR THAT HAS VIOLATED THE FOLLOWING LAWS : XXXX XXXX XXXX IS IN VIOLATION OF THE FOLLOWING : 15 U.S. Code 1692b. ( 2 ) 15 U.S. Code 1692b. ( 5 ) 15 U.S. Code 1692c. ( a ) ( 1 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692e. ( 2 ) 15 U.S. Code 1692e. ( 7 ) Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report. No consent is identity theft.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

on XX/XX/XXXX i purchased credit assistance from a merchant i paid {$1100.00} i just finished with a complaint against XXXX XXXXXXXX and half of the issue was resolved i am still out {$1100.00}. what i purchased was to be completed on XX/XX/XXXX i tried contacting the person that day and opened the initial dispute w cashapp and received no response from them at all not even regarding submission of a dispute and XX/XX/XXXX i reached out to her again and got no response and XX/XX/XXXX i filed a dispute with my bank. my bank is claiming now that this is a dispute that cashapp has to research and resolve that they can not do anything.i reached out to cashapp XX/XX/XXXX about my bank waiting on a response from them they stated it would take them an additional 10 business days. after back and forth with my bank for months today they give the cfpb a response that all in all i need to resolve the issue with the merchant. i contacted cashapp a few minutes ago and theyre stating they can not open a dispute because they have not received a notification from my bank that the dispute was closed.
Consumer complaint received 2019-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

On XX/XX/XXXX around XXXX XXXX I posted a listing to XXXX for my couch. I was asking {$1000.00}. Somebody contacted me and said they'd not only buy it but they'd pay for a mover to pick it up. They emailed me a check for {$2500.00}. {$1000.00} for me {$100.00} for me to hold the couch and {$1400.00} for the movers to pick it up and bring it to their son 's house for his birthday. I deposited that check. They said that the movers wanted to be payed before pick up. I called my bank, the XXXX XXXX XXXX XXXX, and the bank told me the check had cleared. I thought that the word cleared meant that the money was officially mine, so I payed the movers a holding fee of {$500.00} out of that {$2500.00} check. The next day, XX/XX/XXXX, they wanted me to send the remaining movers payment, so {$900.00}, but not using the original means of payment which is a XXXX   XXXX app called Zelle. I thought that was very strange that I had to pay these movers before the job was done. And they wanted me to wire the {$900.00} to a person in Kentucky using a XXXX money transfer. I said that was odd and they then begged me to try XXXX, XXXX, and XXXX XXXX. I knew something bad was happening and I said no to each. Each time they gave some excuse and a new username to send the {$900.00} to. I called my bank because I was suspicious. They told me I had been scammed and that the check would likely bounce. In the event of that happening I would be legally responsible for the {$500.00} that I sent over the XXXX XXXX app, Zelle. Sure enough the check bounced and I was negative {$500.00}. I froze my account to keep anything else crazy from happening. I called Zelle trying to cancel the transaction and Zelle said they couldn't do that and they weren't responsible for the transaction, but the woman on the phone barely spoke English and I doubt she understood me. I went to the police and filled a report and made a statement. They transferred my case to a detective in the fraud unit and I'm waiting to hear back from them. I was working today and I went to check my account. I had spent {$97.00} when I thought I had just made {$1000.00} selling my couch, so that makes sense. I sent {$500.00} when I was scammed and the bank says I'm responsible for that. But now it says I owe another {$2500.00} for a total of like {$3000.00}. That doesnt make sense to me. I can see how the {$2500.00} check was deducted from my account, taking my balance from {$2000.00} ( remember that I payed the " movers '' {$500.00} ) down to a negative {$500.00}. However now my balance says its negative {$3000.00}. How is that possible? I've called every phone number connected to the bank and each time they say I'll get a call back when the bank isn't busy .... but I'm still waiting for that call and it the mean time who knows what's happening to my bank account.
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: JPMORGAN CHASE & CO. (NY)

For the 1st time in over 3 years, I have fallen on hard times in regards to making payments on my card. I have never missed a payment and this is the first time this has happened. I have literally been getting automated ( dialer ) calls 4-5 times per day including Saturdays. This is 100 % unacceptable and borderline harassment. I have been in the XXXX XXXX for over 13 years and I am a XXXX XXXX XXXX. I am currently gong through a divorce at in the process of filing for bankruptcy. I am asking at this time that all communication via telephone to CEASE until my attorney is in contact with Chase.
Consumer complaint received 2022-02-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (CA)

XXXX XXXX XXXX  is a tribal lender loan. I was referred to them when I found out XXXX  had closed. I didn't realize the APR was 642.51 %. I borrowed {$790.00} and now I owe {$4200.00}. This should be illegal.
Consumer complaint received 2024-03-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (CA)

I was asking for a refund because funds we're taken from me were unauthorized so they denied my claim after that I asked them for a refund again because as I said the fun they took were unauthorized I tried to send them as much information as I could so they turned off my prepaid card and I can not get a new one it says an unexpected error occurs I've tried to fix this with the company multiple times I deleted my account I asked them to delete all my information and started a new one and the same error message still comes up so I believe that they have something linked to my personal information and or social security number that makes me ineligible to get another card and I have fun sent me through this company.
Consumer complaint received 2021-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (CA)

I used Remitly on XX/XX/2020 to send money to XXXX. The dollar amount was {$780.00} plus {$3.00} for the transfer fee. I t was supposed to be received the same day. Reference # XXXX. According to the company the money was sent by me on XXXX XXXX at XXXX XXXX PST and was transferred to my relative he was supposed to get it on the same day at XXXX Local time. It was supposed to be deposited to his Visa card that is linked to his bank account. The money was needed for a XXXX that took place on XX/XX/2020. I kept on calling them every day and they told me it was completed however he did not received the money at all. Customer service representatives told me every single time i have to prove to them the money was not received by him they even requested a real time printing of the transactions made that weekend to prove there was no money deposited at all. After so many calls to customer service representatives they told me to send in the bank statement the money was not received at all. I complied with the request and they keep on telling me it has been internally escalated because XXXX, wich is a third party in XXXX shows it was deposited already. I am exhausted and disappointed nobody can help me in remitly at all.
Consumer complaint received 2017-09-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery Associates has been harassing me with phone calls and mailings for years over a credit card bill from XXXX XXXX which is over 15 years old. I have repeatedly ask them to stop contacting me and I have been ignored. I became XXXX XXXX in 2000 with a XXXX XXXX XXXX and I have no way of paying the approximately {$1000.00} they say I owe. I am XXXX years old and their harassment is making my condition worse. Please, I need your help to get them to stop contacting me.
Consumer complaint received 2021-09-04
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America made a mistake applying my mortgage payment for the month of XXXX then reported a 30 day late payment to my credit history that was NOT my fault. My numerous attempts to get ahold of the bank and to request them to correct their own mistake went ignored and all letters and call were unanswered ...
Consumer complaint received 2017-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp. (MI)

The car was repossed. They say the balance is {$6600.00}. When I talked to the agent back in XXXX XXXX of 2016 they told me the balance was half of that.