davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

I received the amount of {$1800.00} through the social security due my XXXX approved. The deposit was direct to my account XXXX of Wells Fargo. This money is protected for law and they kept and reported my acreedor of credit card and took the money off from My account. I called Wells Fargo and they did not know that this money come from. They laugh me. My account is in XXXX. I have {$0.00} dollar and I do not have how to pay my expenses XXXX my phone number.
Consumer complaint received 2020-11-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP (GA)

I terminated my mortgage application with Ameris Bank, due to the fact that Ameris Bank has repeatedly failed to deliver on a mortgage loan application that I initially applied for on, XX/XX/XXXX, via online banking app. 

I received my 1st preapproval Notice from XXXX XXXX via email on XX/XX/XXXX. I then officially submitted my loan application on XX/XX/XXXX, for the purchase of a certain property located at, XXXX XXXX XXXX XXXX XXXX Georgia XXXX. 

More specifically ; I was informed initially by the loan officer, XXXX XXXX, that she could probably close the loan on or about, XX/XX/XXXX. The loan officer, then advised, that it would be closer to the XXXX of XXXX, before closing. The loan officer then later requested an amendment to extend the buyer 's financing contingency until XX/XX/XXXX. 

XXXX XXXX, my real estate agent informed me again, that the loan officer needed more time to process the loan, and closing will not take place on XX/XX/XXXX, nor on the XXXX of XXXX, as the loan officer promised. In fact, it was quite obvious that Ameris Bank, would not get this loan out of underwriting until early XXXX, at the earliest. 

This fact then put closing well beyond the XXXX of XX/XX/XXXX, as the loan package then must go to, USDA underwriting, putting the closing date well into XXXX. I've offered two extensions after already coming out of an extended 4-month lease, I was charge an extra {$500.00} for rent for XXXX, bring my rent to over {$2800.00}. I must be out of this property by the XXXX of XXXX, This failure to deliver a mortgage product in a timely manner has cost me extensive hardship and financial strain. In addition, Ameris Bank has violated the Fair Housing Act Laws, as engaged in practices that are discriminatory in the Terms and Conditions of The Application Process, and Discriminatory in Terms of Income and Disability Status. 

In addition, Ameris Bank 's loan officers, have run my credit report, more than six times in the last month, driving my credit scores down, causing me undue hardship and on-going financial distress. 

Please note, I demand that Ameris Bank return all of my cost associated with this matter, including funds that I have provided, in relation to this loan application and processing ; including the following cost :
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FlexShopper, Inc (PA)

XX/XX/XXXX, XXXX was repeatedly phoned on my cell phone and place of work. On XX/XX/XXXX spoke with woman who said she was private investigator hired by company in reference to transaction in XXXX, she was hired to serve papers to me and that she would be speaking to my supervisor to find out my next day of work to know when she could serve me with papers
Consumer complaint received 2021-11-10
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: EQUIFAX, INC. (DE)

XXXX and XXXX are incorrectly reporting that i missed a payment in XXXX on my XXXX XXXX account XXXX. That not possible, my due date on the XXXX of XXXX and I submitted 2 payments according to their ( XXXX XXXX ) billing statement which is provided. 

Equifax is incorrectly reporting 2 fraudulent accounts ( XXXX, Opened XX/XX/XXXX Acct : XXXX XXXX XXXX, Opened XX/XX/XXXX Acct : XXXX ). I notified Equifax multiple times and was told the accounts were deleted on multiple occasions. 

These infraction are gravely harming me financially and is stopping me from advancing in life.
Consumer complaint received 2021-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft. I had request those accounts to be block under Consumer 605B Blocking. I had sent Letter of CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And Identity theft police report. Now after number of request by me XXXX  and XXXX  are the only 2 bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  and XXXX  are the only one that had violates the FCRA, I will beginning file lawsuit in state or federal court again XXXX  and XXXX  it those 3 account don't get remove or block.
Consumer complaint received 2017-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CT)

Coinbase.com provided special access keys after I deposited funds. The ID, XXXX, and " Secret Seed '' provided by Coinbase do not work and I 'm locked out of my account. Coinbase has a phone number that never gets answered even after hours on hold. They auto drop many calls. The email support is almost non existent and takes a week or longer to get a reply that does not fix anything. 
I 've have been trying for many weeks to get any support from them but it is impossible.
Consumer complaint received 2021-05-03
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: Navient Solutions, LLC. (OH)

After I disputed information to be removed from my account the credit bureau allowed navient to add the same account multiple times. I have 4 navient accounts but my credit report shows 16 navient accounts. I have called multiple times to get the information corrected by the credit bureau XXXX  but they have refused to help fix the problem. In fact every time I call for help another account appears. I thought the credit bureau was there to protect me. This information has kept me from being able secure funding for my childs education and a business loan to take care of my family.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft. I had request those accounts to be block under Consumer XXXX Blocking. I had sent Letter of CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And Identity theft police report. Now after number of request by me XXXX  and Transunion are the only 2 bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  and TransUnion are the only one that had violates the FCRA, I will beginning file lawsuit in state or federal court again XXXX and Transunion it those 3 account don't get remove or block.
Consumer complaint received 2019-06-07
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. (WA)

XXXX XXXX is trying to collect on a debt that they can not verify. The debt was already unverifiable with XXXX and XXXX. XXXX XXXX  is still illegally reporting to Equifax a debt they can not verify. Equifax themselves said they do not keep records, so how can equifax keep reporting this account?
Consumer complaint received 2019-06-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NV)

This is a follow-up complaint to # XXXX Wells Fargo stated they would close my Time Account without penalty. However, the funds from that account ( {$6500.00} ) is mysteriously missing. I have called and been placed on hold by 6 different departments. No one knows anything. I need your assistance.
Consumer complaint received 2021-08-13
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. (TX)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2019-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: COAST PROFESSIONAL INC (VA)

My paychecks are garnished by Coast Professional ( XXXX ). It has been impossible to obtain any loan information from them. It has made it impossible to even know what my outstanding balances are, to make any additional payments, or negotiate a repayment option. It has been almost three years of my paycheck being garnished with no real correspondence. I would like to know what my balances are and to rectify the garnishment. Since it has been almost 3 years, I am pushing harder for a loan breakdown. 

XX/XX/XXXX- I emailed the agency : Coast Professional asking for loan information. I received an email read receipt on XX/XX/XXXX by ( XXXX XXXX ( XXXX ) and again on XX/XX/XXXX by XXXX XXXX ( XXXX ). No one has contacted me or provided any requested information. 

XX/XX/XXXX- I contacted them on - trying to see about repayment options and received no response. 

XX/XX/XXXX- tried to obtain itemized list of loans, balances, and pay-off amounts. I contacted them quite a few times and tried various govt contacts to try and receive intervention/assistance. 

XX/XX/XXXX- received Wage Garnish form
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a Kohls credit card through Capital One. I had been making payments on the card until XX/XX/2019 when I paid the {$740.00} balance off. I requested at that time for the card to be closed. What I didnt know until a credit alert through XXXX   on XX/XX/2019 was that I had paid them twice. 

I received an alert from XXXX that I had a past due bill of over 90-days in the  amount of {$770.00}. I called Kohls and the stated I did have a credit balance and they would mail a check for a refund. I requested they notify the credit bureaus. They said they would. As of today, I still have a past due balance and it continues to accumulate in time.
Consumer complaint received 2019-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Managers, Inc. (WA)

Grimm Collections is trying to collect on a debt that they can not verify. The debt was already unverifiable with XXXX and XXXX. Grimm Collections is still illegally reporting to XXXX a debt they can not verify.
Consumer complaint received 2017-12-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Credit Corporation (NC)

I had a loan with avant in XXXX XXXX and paid it off in XXXX XXXX. Even after paying the loan off they still took money from my account. I filed a complaint with the BBB and money was refunded. I received a call from them 2 months ago indicating that I owed money on the account which is false. The company has reported to the credit union I am late on a payment. As a Veteran I need assistance in trying to resolve this complaint because the companies fraud is affecting my credit.
Consumer complaint received 2019-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Recently my mortgage servicer returned the mortgage payments they received from me and denied the modification. I resubmitted request for mortgage assistanceXX/XX/2019with financials. My home burned and I had burns over half of my body. I'm still recovering, but I'm working and my home has been rebuilt. Select Port Folio is unwilling to assist me with keeping my home. I would appreciate your assistance with my home.
Consumer complaint received 2017-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST HERITAGE CREDIT LLC (AL)

I initially had a personal loan and then they financed a car for me. I paid months in advance and was NEVER late. The former mgr, XXXX XXXX was wonderful and I was paid up until XX/XX/XXXX. So on XX/XX/XXXX, I made a double payment of XXXX, XXXX payments were XXXX through their automatic payment method XXXX, My balance at that time was XXXX and when I checked to see if the payments were applied, it showed my balance was XXXX. They only XXXX to principal. I called XXXX XXXX branch mgr in XXXX, AL to correct the problem and he has never RESPONDED. It still shows as only XXXX going to principal. I have asked for an audit of my account to no avail. 
Payment Entry Customer Name : XXXX XXXX Account Number : XXXX Contract Number : XXXX Last Payment Date : XX/XX/XXXX Last Payment Amount : $ XXXX Balance : {$2300.00} Regular Payment : {$270.00} Total Amount Due : {$270.00} Amount to Pay : To continue with your payment, please click " Continue '' below. 
To cancel your payment, please click " Cancel ''.
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (VA)

XX/XX/2020 received a letter from American Coradius International LLC ( ACI ) saying that this " XXXX XXXX '' ( notice no middle initial and last name removed ) owed {$270.00} in a XXXX account that they are collecting for. There are hundreds of XXXXXXXX XXXX in the United States. This XXXX XXXX XXXX has never had a XXXX account, so it's impossible to be in arrears to XXXX or ACI! XXXX won't answer any inquiries because the " debt '' is now ACI 's. Contacted ACI by phone XX/XX/2020. Got a lot of doubletalk without any resolution. On behalf of all the other XXXX XXXX in the United States, who were " cold-lettered '' also, I just wanted to submit a CFPB Complaint for the Record. I told ACI that I was going to file a CFPB complaint. How many elderly " XXXX XXXX  '' received the same ACI letter indicating they would accept a lower payment of {$200.00} to consider the matter closed. Would have been nice for ACI to enclose a photo copy of the XXXX account that I never had!
Consumer complaint received 2021-01-29
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. (NC)

I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX  XXXX, XXXX. ; XXXX XXXX ( C.E.O. ), XXXX XXXX ( C.E.O. ) and XXXX XXXX ( C.F.O. ), for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (AL)

I was charged on my American Express card by XXXX XXXX in the disputed amount of {$14000.00} from 5 separate charges from XX/XX/2017. I was building a new home. The home is completed. There has been an ongoing dispute with American Express since XX/XX/2017. I am being charged for items I never recieved and for damaged wood that I refused to use. The damaged wood was suppose to be picked up by XXXX XXXX and credited back to my account. Although, XXXX XXXX scheduled a pick up for the return, they never showed up. The damaged wood was paid via a check from my personal account. The other items were never recieved. I have asked time and time again for proof of delivery, a signature of anyone working at the site of my new home to no avail.

American Express asked me to contact XXXX XXXX directly which I did from the onset of this problem. In addition I called the person who represents XXXX XXXX XXXX  credit disputes and left her a message ( I could never get a hold of her directly, I even tried today ) she returned my call and left a message on my cell phone stating " she did not understand my calling as there was no open case for me. XXXX XXXX   had been paid in fill by AMEX in XX/XX/2017 ''. Of course this left me no leverage. I called AmEX and they reopened the case again and again and again. I simply asked for proof of delivery which XXXX XXXX can not provide as they never delivered additional products nor did they pick up the wood for return. XXXX XXXX never returned to my job site after their first few deliveries. American Express has accepted mere notes as proof that XXXX XXXX should be paid instead of actual signatures of proof of delivery. I have provided pictures of the damaged wood that caused us to cease using XXXX XXXX material. I have also attached a canceled picture of my {$10000.00} check. American Express has now sent me a letter telling me that they reserve the right to cancel my AmEx and it will never be reinstated! XXXX XXXX has many reviews stating the same problem I have from other clients. They should not be able to get away with fraudulent charges. American Express should not be able to pay on my behalf without proof of delivery. American Express should not be able to threaten me with cancelation of my card. American Express was made aware of the situation immediately and still choose to pay XXXX XXXX at my expense. Again XXXX XXXX has a reputation for billing without sending material. Just investigate online reviews.

Shame on both this companies.
Consumer complaint received 2021-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (PA)

Hello, my name is XXXX XXXX. On XX/XX/XXXX, I deposited {$25.00} into my Navy Federal DEBIT account. When I woke up on XX/XX/XXXX, my deposit of {$25.00} was completely gone. I immediately called Navy Federal ( at XXXX XXXX XXXX and XXXX picked up my call. I explained to him that I deposited {$25.00} in my account last night and when I woke up it was gone. XXXX rudely said to me " Since you are delinquent on your credit card we went into your debit account and pulled out the money for your payment since you never responded to us. '' This is a BIG LIE. Navy Federal watched my account and waited until money was in there to make an UNAUTHORIZED payment towards an alleged debt. I have literally been going back and forth and disputing with Navy Federal since XX/XX/XXXX. I disputed the validity of this alleged debt and still have no outcomes. On my Navy Federal app it literally says : " NOTICE : Your account information is being provided for informational purposes only. Providing you this information is NOT an attempt to collect a debt. '' What was done to me was not only illegal but also unethical and was a result of unfair and deceitful practices. How can you take my money out of my account because I allegedly owed money on a completely SEPARATE account? I am beyond livid ; this is deceitful practices and behaviors. Navy Federal has been deceitful and is now trying to tell me that in my contract I signed off on Navy Federal taking my money from my debit account to feed my " delinquent '' credit card account. I need help on this one of MANY problems from Navy Federal. Navy Federal is injuring my Consumer Rights and I will NOT allow this. I need relief. Under the FDCPA I am a federally protected Consumer. At one point I loved Navy Federal until I saw that they were Frauds. 

15 USC 1601 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

15 USC1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

15 USC 1692 ( f ) Unfair practices