davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (TX)

I have been working with XXXX XXXX, the branch manager, at Huntington Bank located in XXXX since late XXXX. It took me making several calls to the corporate office in Ohio and posting on the bank 's XXXX page to get help from XXXX. She was assisting me in liquidating my deceased mother 's IRA that has matured. The portion for my daughter and myself have been liquidated. However, I the portion for my son is still at the bank. I explained to XXXX that my son is currently XXXX in Texas and asked her what would be required in order for me to take care of the funds on my son 's behalf in late XXXX. XXXX told me I would need to obtain a power of attorney and provide my son 's ID. XX/XX/XXXX I e-mailed the POA and a notarized copy of my son 's XXXX XXXX. XX/XX/XXXX when I did not hear back from XXXX I reached out to her via e-mail to inquire if she needed any additional information from me as well as to inform her that I had moved and would be withdrawing the funds for my son out of the bank. About a week later XXXX called me to tell me that a state ID would be required for the withdrawal to be completed. Under the circumstances with COVID and my son being incarcerated there is no way for him to obtain a state ID. The bank has his XXXX XXXX which has his picture on it along with all the other requirements asked for my son and myself. There must be something that can be done so I can obtain the funds so that the state won't claim the funds ( escheatment ). 

I am hoping to get some assistance from your agency to help resolve this matter as there had been previous issues regarding the liquidation of my deceased mother 's funds in 2016. XXXX has been very responsive in getting the funds to my daughter and myself. However, she said that there was nothing more she could do if I were not able to get a state ID for my son. Again, this is an out of the ordinary circumstance with COVID and my son being incarcerated. However, I have the POA, notarized inmate ID, short certificate showing me as the executor of my mother 's estate, and my ID. There should be a way to annotate the account so that transaction of closing the account is well documented. 

I can be reached at XXXX XXXX XXXX XXXX or via e-mail at XXXX XXXX
Consumer complaint received 2020-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I logged onto my XXXX account since it had been taken over from MB Financial via a merger and I was surprised to see at total of {$39.00} deducted as a monthly fee of {$3.00} over the past 13 months. I am surprised because my original agreement with MB Financial for this XXXX included a guarantee of no monthly service fees ( that is, it was a free account ). 5/3 bank never informed me that they were going to charge this fee, nor did then even send me monthly statements showing that they were taking this fee from my account. This is suppose to be money set aside for health care or a medical emergency, and 5/3 is slowly depleting it without my consent. I would like this fee refunded. I do not believe it is acceptable practice for a bank to start charging fees on an previously free account without obtaining informed consent.
Consumer complaint received 2020-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RANLife, Inc. (CA)

We have a mortgage with Ranlife.com. In XXXX we were paying the mortgage late but within 30 days and paying the late fee as our SS doesn't come in until later in the month. 
The loan number in XXXX was XXXX and we could access it online. In XX/XX/XXXX Ranlife, changed the servicing and loan number to a number ending in XXXX and change the web site for payment to https : //ranlife.servicingdivision.com/. We wanted to start paying within the 10 day allowance in XXXX, so we made an additional payment in XX/XX/XXXX. Their online records, do not match our bank statements ... see below My bank payment record shows : Their record record shows : XX/XX/XXXX {$1500.00} {$1500.00} XXXX XX/XX/XXXX {$1500.00} {$1500.00} XX/XX/XXXX this is the 2nd payment in XXXX .... this was a catch up payment XX/XX/XXXX {$1500.00} {$1500.00} XXXX XX/XX/XXXX {$1600.00} {$1600.00} XXXX XX/XX/XXXX {$1500.00} {$150000.00} XX/XX/XXXX {$1600.00} you no payment XX/XX/XXXX {$1900.00} don't have your XXXX record We also need the XXXX record from them. WE have asked them several times for the XXXX record and to make the XXXX record correct. So far they have responded but not completely. 

We have the bank payment evidence, we want them to correct their records an d make the XXXX record available to us. 

If you can help us with this we most appreciate it .. Thank you XXXX XXXX XXXX XXXX XXXX email XXXX XXXX
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (NY)

I have had a one-time late payment remark on my account due to covid and due to the circumstances, I didn't get the chance nor did I have the knowledge at the time of the delinquency to get my payment deferred. This is now causing me damage while I'm applying for a mortgage. Typically I always pay on time and this was a one-time out of the ordinary situation.
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Recovery Corporation (NE)

Universal Recovery Corporation had called and left me a voicemail on XX/XX/21. Not thinking anything of it because I was never sent any notification of this debit I didnt call them back. I was curious the next day to see what this was about I called them back and the representative, XXXX, was very demanding stating they sent a letter to an address that I have not lived at in 2 years. I asked for them to send me correspondence of this debit and she refused to stating no letters will be sent. I said until proof of this debit is either mailed or emailed to me I will not be paying it. I called back and asked to speaker to a supervisor and left a voicemail for XXXX with no return phone call. I then had called again today XX/XX/21 and spoke to a representative by the name of XXXX and asked again for proof of this debit to he mailed or emailed to me because I never received any notification of this debit. He stated again we will not be sending any letters regarding this because it was already sent to the XXXX address. I said I have not live there in XXXX years so until I can be sent proof of this debit of {$150.00} I will not pay it.
Consumer complaint received 2023-01-19
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-01
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. (TN)

I have recently reviewed a copy of my credit report. I consumer XXXX XXXX notice that there are several inaccurarices on my report that I didnt authorize. These accounts are violating my rights according to the FDCPA. The credit reporting agency continues to violate my rights according to 15 USC 1692d " Any bad debt furnished on your reports is runing your reputation and its defamation of character. ''
Consumer complaint received 2017-11-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX dba XXXX XXXX is reporting {$6400.00} owed to my XXXX and Experian Reports as of X/2017, and I 'm no longer liable for that debt due to it being charged off to XXXX XXXX, a 3rd party debt collection agency. The charge off balance is incorrect, aand should reflect a {$0.00} owed with it being charged off to XXXX XXXX. Collecting on a debt that has been charged off and sold to a debt collection agency is a direct violation and unlawful according to CFPB and BBB. I will file a complaint against XXXX XXXX XXXX XXXX / XXXX XXXX XXXX for falsely trying to collect on a charged off debt that I 'm no longer liable to them for. I sent several letters to XXXX and Experian in regards to validating the reporting of this correctly, and each time, I get no response back to the 609 letters I have submitted via USPS. I provide signature confirmation to show that each letter sent was received and sent to the correct address. 

Please investigate this and have this removed from my XXXX & Experian Reports.
Consumer complaint received 2021-10-12
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. (PA)

I have taken the time to inform each company that I did not provide anyone my consent to open these accounts and for sure not report them on my personal reports.it has been over 90 days since I asked for these unverified items to be deleted. Personally this is causing hardship and my rights are being violated to the fullest and being ignored is not ok! Please delete these items now.
Consumer complaint received 2020-11-17
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. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2018-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (NC)

Begun to seek a review for loss mitigation of any kind to bring my loan current and Selene Financial employees are inadequate. This is a very stressful process and when the servicer of your loan is contridicting themselves and keep asking for documents you have already sent, it needs to brought to higher attention, I initiated a review the week of XX/XX/XXXX. Upon the review, I was advised to send in outstanding docs. 
Advised by supervisor to send in outstanding docs : Husband contribution letter ( I am not receiving income ) His bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All of his expenses Sent in everything on XX/XX/XXXX XX/XX/XXXX supervisor advises outstanding docs : Contributor needs to sign the application Profit and Loss statetement for contributor since he receives a XXXX ( independent contractor XX/XX/XXXX statment ( supervisor verified XX/XX/XXXX and XX/XX/XXXX on fille ) Sent everything in XX/XX/XXXX Called in to Selene Financial to be updated on review, supervisor ( XXXX ) again tells me about outstanding documents : Letter from me indicating I am not receiving income Husbands XX/XX/XXXX tax returns XX/XX/XXXX statement ... sent in XX/XX/XXXX Called today XX/XX/XXXX and was advised by one representative my husband income would not qualify as a contributor!!! 
Supervisor ( XXXX ) wouldn't confirm or even verify all docs that have been asked for up until this point have been received. 

Spoke to XXXX ... she verified all docs had been recieved on XX/XX/XXXX. 
She advised me I have not given them to review the packet. I asked what was the time frame of documents being reviewed. She advised 2-3 days and I had not given them time to review. Today is XX/XX/XXXX. Its been almost two weeks since I sent in what was requested In the meantime, the last bank statement expired on XX/XX/XXXX. 

I am believing the review is being conducted by several underwriters that is not looking at the whole picture of all doc requested. Its too many hands on this one loan. My heart goes out to anyone else in this situation. The package, according to what as been asked, seems to have been completed since XX/XX/XXXX. My loan is becoming more deliquent each month. I will not loose my house because of anything I done wrong. I have complied with this company and request for the modification.
Consumer complaint received 2020-12-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

OnXX/XX/2020I purchased a plane ticket using my credit card to fly from XXXX XXXX to XXXX XXXX, and returning for {$480.00}. The amount was posted on my credit card on XX/XX/2020. However, due to the Covid 19 pandemic the countries of XXXX and XXXX cancelled flights due to the pandemic. I was planned to go in XX/XX/2020, but due to the flights being cancelled I filed a credit request to my credit card company. On XX/XX/2020 the credit card company ( Capital One ) provided a credit for the full amount. But on XX/XX/2020 the credit card company charged the airfare again ( rebilled ) for {$480.00} claiming I had not provided enough evidence to substantiate my claim. I proceeded providing documents that showed USA had restricted traveling to other countries. I also provided documentation showing the Center for Disease Control had asked travelers not to travel to XXXX and other countries. I also provided documentation showing XXXX had closed its airports for traveling. I have called several times Capital One and provide the evidence they requested but they refuse to provide me the credit for a service I never used since I had cancelled my traveling plans directly with the airline company ( XXXX XXXX from XXXX ). Please help me with my case. Thank you so much!
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (GA)

XXXX XXXX is showing as a negative on my XXXX Account and it has been paid in full. The Loan is number XXXX. I would like to have this removed from my credit report. 

thanks, XXXX XXXX
Consumer complaint received 2017-11-27
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. (CA)

A while ago someone opened a payday loan in my name. I have not opened any payday loan. I have tried contacting the credit bureau and I tried to contact the company, but they are not easy to get a hold of. It has been on my credit report and the company at one point told me over the phone they would remove it. It has not been done yet. 

Back when they say it was allegedly open we were under bankruptcy so we could not have take at a payday loan. the bankruptcy was Chapter XXXX and our lawyer told us we could not open a loan so we did not.
Consumer complaint received 2021-10-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (CA)

I leased a car from GM financial in XXXX and returned it in 3 years in XX/XX/XXXX. There has been a disposition fee ( apparently if you do not extend or lease another car from GM the company charges you {$390.00}. I asked my dealership if I owe any money and he No. I went home thinking I am complete with this lease. Recently, I received one or two call and one email from GM to call them back. I replied to that email and inquired about the matter. Also called them and was not able to address the case. Now I see that they have put charge-off on my credit report and when I called the customer service they let me know they have been sending letters to my old address and I am not sure why GM did not email that letter? I requested to remove this charge-off and I will pay the remaining Ballance and the person I talked to said that is not something they would do.

I was planning to lease a car from GM in the past month and I don't think I have the faith in the company anymore. I am disappointed and I this has impacted my credit score a great deal.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (TN)

theres several issues with carmax reporting on my defective ford fusion loaned upside down XXXX kbb according to three banks- XXXX , XXXX , and one other. I asked XXXX in person, XXXX XXXX location. XXXX  XXXX service center refused to fix my car 3x. carmax left me no choice but for them to repo it in 16 ( SIXTEEN ) - not 19 ( NINETEEN ), as its being reported. no company complies with the law, lemon lawyers unable to aide me. I did ask.

Continues thru experian to extort and reage debts, now beyond statute- will not update reports released to lenders, etc of which I do business with. REPORTING INACCURACE SLANDEROUS INFORMATION THAT I AM A SERIOUS DELINQUENT and NOT CREDIT WORTHY. This has affected new accounts.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (FL)

I do not think that the way Discover card is calculating and charging me interest is correct. At best, their monthly statements are misleading and do not give consumers a clear indication of how much they need to pay to be able to avoid interest fees. I have some 0 % interest balance transfers on the card, and then I also use it for regular purchases each month. Each month I pay as much or more than my purchase amount so that I can avoid interest charges and pay down the 0 % balance transfer. However, I keep getting hit with interest charges regardless of how much I pay. It's as if they're charging me interest for my purchases from the day that I make the purchase rather than giving me the standard 30 days to pay off the balance. 

I have called numerous times trying to seek clarity on this issue. Last month, I even called and asked directly " how much do I need to pay you this month so that I will not be assessed interest charges? '' I then sent in MORE than I was told to pay and yet was still assessed interest charges. 

No one at Discover that I have talked with has been able to adequately explain this to me. This month when I called and asked the same question as above, I was told " we're actually not supposed to tell you that amount over the phone. '' So I just want someone else to take a look to make sure that the way they're assessing me is legit and that this is being clearly communicated, because I am a college-educated, literate person and am still not able to figure this out. I am attaching my statements for the past year so that you can review them. Thank you for your assistance.
Consumer complaint received 2021-10-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Credit bureaus have not provided me with method of verification for late payments and has refused to mark my XXXX accounts disputed by consumer. I have asked for this information in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2021.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX XXXX XXXX reported account # XXXX as 120 days late. 

The last payment made on the account was XXXX, XXXX. No payments have been made since that date. To now show the account 120 days late is purposely hurt my credit score. 

I am enclosing the before and after reports as well as the account posting.
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

On XXXX, I received a call from Coinbase. Coinbase doesn't call customers. On the same day my email was hacked XXXX. On same day, I submitted requested for Coinbase to disable account due to suspicious activity. I have not been able to access my account since. I have followed their procedures for account recovery Case # XXXX. This is last message received on XXXX : " We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). '' It has been 8 days ( 5 business days ) and not response. Please, I need your help in freeing up my funds XXXX on Coinbase. They have the worst customer service in virtual currency. I will be moving all funds off platform to XXXX.