davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

On XXXX XX/XX/2020, I called XXXX XXXX at XXXX XXXX XXXX XXXX to cancel an order and request a refund. When the phone was answered I was placed on hold, after a few minutes a person answers so I explained what I wanted, he said he could help me with that. He said to go to the bottom of the screen and on the left hand side of the screen to type " anydesk '', I did that, then he said his supervisor would be helping me. a man comes on the line and tells me his XXXX XXXX and to type in the amount I wanted refunded. I type in {$1000.00}, he then tells me " oh no, you typed in too many zeros, that makes the refund {$10000.00} '' now your going to have to return my money, but only {$99000.00} other wise I will have to pay tax it it is over that amount. He then sends me an e-mail with the following information, to make a wire transfer as follows : Company name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Account No.  XXXX. ABA routing no. XXXX, Bank Name : Citi Bank, XXXX XXXX XXXX XXXX XXXX, NY, XXXX, dollar amount {$99000.00}. If I were asked why the transfer to say it was for a personal investment. He also provided a toll free no : XXXX signed XXXX XXXX, XXXX, and to e-mail him a receipt at XXXX. He kept calling me every day asking if I had gone to the bank to make the transfer. He call to tell me he was going to send me an XXXX gift card for {$500.00} for my troubles, that evening I received a XXXX XXXX but only for {$300.00}, When I mentioned this to him, he said not to worry he would send me the {$200.00} the following day ( never did receive it ) He then send me another e-mail stating the monies had gone to a wrong address, he was going to have to return my money so I could send it to the correct address as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had some problems with the wire transfer, so I called my credit union and that is when they told me someone was hacking into my account and transferring my money from my money market account into my checking account, that is how he was getting my money. When I received the XXXX XXXX, I noticed the return address as : origin id : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. That is when I realized that XXXX XXXX was XXXX XXXX and was using a fake name.
Consumer complaint received 2018-02-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/XXXX addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/XXXX. 
For the sixth time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous five illegal attempts of this entity to sell my property. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity?

We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans. 

Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again.

In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (GA)

Discover is a card company who process application for applicant who are in need of credit. Discover is falsely advertising that they have millions of dollars to offer consumer ( s ) who qualify for instant credit. My complaint is against Discover card and the card company ' affiliates.
Consumer complaint received 2020-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Account Control Technology, Inc. (GA)

{$5000.00} was garnished from my income tax to be " applied '' towards my loan. There is now no record or indication that the money was applied towards my account at all. No one can give me information and I want to figure out who mishandled my funds which is causing me current financial distress and debt.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

On XXXX I sent Loan Depot my Ca.Fair Plan and XXXX home owner insurance polices to be included in my escrow account which they received .At closing I believed this to be included in my monthly mortgage payment of $ XXXX paying mortgage one month I received bill from Ca Fair Plan for {$1700.00} which I had to pay or it would expire, contacted Loan Depot, no response .I am now stuck paying an extra {$140.00} per month because of Loan Depots incompetence. I believed I should be compensated for there mistake. This seems unethical that I should be stuck paying because of there oversite .They had all documents ( I just checked ) and failed to add to escrow account.Yes there service was very poor throughout whole process but my main problem is I'm paying for their mistake
Consumer complaint received 2017-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I was coerced into using my forebearance by a representative at the company the moment my first payment was due. I explained my income and that the payment was not affordable and they directed me towards forebearance as an option. Once my income increased, I began paying my loan, as to not continue to allow interest to accrue. Again, I was misinformed on payment options. Given a payment plan that would just increase their financial gains and not impact the actual balance of my loan at all. They futher declined to inform me that the payment amount that was given to me for the plan DOES NOT even cover the interest that accrues every month. I have been paying my loan for 4 years straight not missing a payment. The site says that I have paid -11 %. It should not be legal to even offer an amount that does not cover interest. I could afford to pay double my amount paid and had this information been communicated to me I would have done so. It would not have been comfortable to pay but sacrifices would have been made. After giving so much after four years it is completely devastating to look and see that your loan is never moving. I feel like NAVIENT should incur the cost of my interest the past four years and put my payment towards the actual loan. They were deceitful in their practices and even the site does not correctly portray my payment status. I did n't realize I was n't making an impact until I signed up for credit karma and was shown an overview of my loan and all of my past payments. The navient site needs to correctly display your payments and loan amount in a way that portrays what is actually happening. You are becoming negative in your loan by accepting forebearance or a payment that is lower than the interest. Their needs to be a sense of transparency in banking the same way it is placed upon other industries. Your interest paid per month should be displayed in comparison to the actual payment. I did not choose the payment amount. The bank maliciously gave me an amount too low to cover the interest rate in order to take advantage and make financial gains on students who are already facing unemployment or under-employed in this economy. At this point I was looking to purchase a house and expected my loan to be down to {$25000.00} and was shocked to realize it increased {$5000.00}. In all fairness, Navient should match the equivalent amount of all payments made since 2013 put directly towards my principal. They arbitrarily put a portion of my payment towards interest and the rest towards principal. Throughout the statement the amount constantly changes. Sometimes only putting XXXX dollars towards my principal or nothing towards the interest. Then there are random capital interest charges that were never explained. Please let me know if I have any documents that can be of assistance.
Consumer complaint received 2021-06-08
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: Experian Information Solutions Inc. (GA)

I reviewed a current copy of my credit report and show mulitple account open on report due to fraud. I completed FTC report and have forwaded report to credit bureaus and have not as of yet receive any updated information on my credit status due to investagation attempts. I have also sent FTC report and identification information my certified mail and show recieved and still no updates. Please review attachment document and remove information from my credit reports.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

I've Purchased A Business Premium Unlimited Plan From XXXX On XX/XX/XXXX For {$170.00} Which Supposed To Have Included The Automatic Upgrade To Modalyst Start Up Plan Free Of Charge. However, I Was Charged {$37.00} Each Month For The Months XX/XX/XXXX For XXXX, XX/XX/XXXX {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00} And XX/XX/XXXX For {$37.00}. XXXX Was Refunded On XX/XX/XXXX For {$37.00} Which Leaves A Balance Of {$260.00}. However, On XX/XX/XXXX Only 2 Out Of 7 Was Charged Back To A Non Working Card Ending in XXXX. I Was Told By XXXX Representative That They've Only Received The 2 Charge Back Requests From Chime Bank And I've Submitted All Of The Requested Charge Backs On One Submission To Chime And XXXX. I Need Assistance In Escalating My Claim Please. My Report XXXX XXXX XXXX FTC Is # XXXX. My Bank Is Trying To Assist Me In Getting My Refunds.
Consumer complaint received 2018-07-15
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: BARCLAYS BANK DELAWARE (NY)

Barclays Card is hitting me with 2 hard inquires for XX/XX/2018 and XX/XX/2018. I should only be hit with 1 inquire as both were done on XX/XX/2018. The confusion is it took them 2 days to process the other part. I have spoke to them on the phone back on XX/XX/2018. There customer representative said they would remove one of these hard pulls. I believe it is the one on XX/XX/XXXX. Either way they 100 % guaranteed one will be removed since both were placed on same day of XX/XX/2018. 

Since the company agreed to remove one of the inquiry 's, I just hope they can kindly stick to there word and fix up this confusion. I have been a loyal customer and just want what was promised to me. Thank you
Consumer complaint received 2021-06-01
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: Experian Information Solutions Inc. (NE)

I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (PA)

Contacted XXXX in 2017 when I found that the tenant XXXX XXXX XXXX XXXX at the time did not transfer account over to his name. XXXX told me to have tenant contact them to have account transferred and they would send out a letter to have signed by me and tenant. Instead of XXXX transferring the account they made up a new account and never sent out a new letter. 

After several attempts of contacting them and disputing the account with the credit bureas, I decided to reach out to you.
Consumer complaint received 2020-07-24
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. (MD)

After paying off all of my debts, my credit score was listed as [ XXXX ]. Since that time, my credit card balance ( s ) average about {$500.00}. Experian continues to list my credit score as " XXXX '', even when I have no credit card debt. XXXX  [ XXXX ] and XXXX  [ XXXX XXXX scores.
Consumer complaint received 2020-07-24
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. (NY)

This debt does not belong to me. I've tried for years to get it to remove. I finally got them to agree to remove it. 


Please help me get this off my credit report. 

XXXX  Transunion XXXX
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

To whom is may concern, Coinbase Case Number : Complaint # XXXX On XXXX XXXX, I completed a deposit to my Coinbase wallet of USD XXXX} and the funds never posted to my Coinbase account. The USDT Crypto was sent from my XXXX account via the XXXX network vs the XXXX network which was in error. Though the crypto was transferred via the incorrect network, the funds were still deposited in the correct Coinbase USDT wallet which can be confirmed via the following txid : XXXX XXXX XXXX Coinbase is a public company and has the capacity to resolve the matter and post the deposit to my account and is choosing to ignore my requests for assistance. I have submitted over 12 general requests for assistance and submitted a formal complaint/ request which has gone unanswered. Coinbase will not provide the necessary key to recover the funds myself which leaves me seeking other means of holding them accountable. I am not the only investor that this has happened to and if Coinbase is to remain a public SEC regulated entity, they will need to do better. According to an independent investigator, the funds are not lost but Coinbase will need to properly investigate and resolve the matter. They need to pull the the deposit from the XXXX network and redirect to my Coinbase wallet. I would truly appreciate assistance in holding Coinbase accountable and getting my funds back. 

Thank You, XXXX XXXX
Consumer complaint received 2022-04-29
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit fil
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have an XXXX XXXX Account that was DISMISSED BY XXXX   DISTRICT COURT OFFICIALLY XX/XX/2019. 
BUT, XXXX XXXX is STILL reporting that the ACCOUNT was updated XX/XX/2019 and THAT IS NOT CORRECT! 
The amount reported by the company is INCORRECT as well. 
Furthermore, I had paid the ACCOUNT OFF ENTIRELY XX/XX/2019 VIA PHONE in the AMOUNT OF {$1200.00} to a manager by the Name Of XXXX. I was mailed my FINAL RECEIPT. I have that as well. PLUS the PAPERWORK FROM XXXX DISTRICT COURT. I've went to the location MULTIPLE TIMES, spoke to staff including the manager I made Payment to via phone. I ALSO contacted the customer service department and spoke to NUMEROUS customer service representatives. Made multiple complaints, even emailed an employee my documents from XXXX District court. 
Ive ALSO UPLOADED THESE SAME ITEMS TO EXPERIAN MULTIPLE TIMES AND CONSTANTLY DISPUTED THIS WITH THEM AND YET THEY FAIL TO REMOVE THIS ITEM FROM MY CREDIT REPORT. 
THE AMOUNT OWED IS WRONG. 
THE DATE OF LAST PAYMENT IS WRONG. 
THE LAST UPDATE ON THE ACCOUNT IS WRONG. 
THE ACCOUNT HAS BEEN DISMISSED BY XXXX  DISTRICT COURT. 
The account has been disputed multiple times and still isn't accurate.
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (MO)

I had a standing order that if funds in my bank account were low, that regular payments such as XXXX XXXX and XXXX not be withdrawn. I did not give my consent to have these deducted from my account and than to be charged {$35.00} service fee on each item. 
XX/XX/XXXX XXXX XXXX was withdrawn of {$10.00} XX/XX/XXXX Overdraft fee charged of {$35.00}.

XX/XX/XXXX Overdraft fee charged of {$30.00} XX/XX/XXXX XXXX XXXX for {$31.00} XX/XX/XXXX Overdraft fee {$35.00} XX/XX/XXXX Overdraft fee {$35.00} XX/XX/XXXX Per mobile phone deposit, {$680.00} ( which as of XX/XX/XXXX still pending ) XX/XX/XXXX Debit converted check of {$10.00} XX/XX/XXXX Overdraft fee of {$35.00}. 
I called call center for Bank of the West XXXX to explain that per my order I did not consent to these being withdrawn. The supervisor stated on automatic payments that they were withheld.
Consumer complaint received 2021-06-08
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. (CA)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX  XXXX XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 7. Us Sm Bus Admin Oda on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2018-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (NH)

This credit card company decreased by credit limit and then hit me with a finance charge ( $ 400+ ) for a purchase sometime ago. For a credit card I rarely used, now my balance is over the limit and I will continue getting charged due to the face that they decreased my limit at the same time they hit me with the finance charge.I have never had any late payments or issues. 

I'm not complaining about the finance charge, I'm upset that they lowered my limit and then hit me with the charge so they could collect even more. How is that allowed?