davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (NC)

I fell behind on my mortgage and made an arrangement with my mortgage company, SunTrust Mortgage to have the funds required to bring my loan current withdrawn on XXXX XXXX, 2016 as I was to receive a bonus from my job. The funds were deducted on that date and my loan should be now in good standing. It has been two weeks now and the funds are in a suspense account at the mortgage company but my loan is still being reported as past due. Furthermore, l I began receiving correspondence from a foreclosure attorney as foreclosure proceedings have begun. I have been in contact with both my mortgage company ( SunTrust Mortgage Company, loan # XXXX ) and the attorney XXXX XXXX XXXX, XXXX with no one being able to explain what happened and what is being done to stop the proceedings.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IL)

The company is CHIME, an online financial services company. 

I received indications that someone opened an account under my identity ( emails, new card ). 

The issue is that there does not appear to be a fraud number or process for managing fraud. All financial services companies should have such an office for consumers to access. While they did 'close ' the account- I have no confidence that this is being investigated as there is no response or person to speak with but a generic email address. 

My FDIC backed and regulated banks provide such an experience.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (PA)

On XX/XX/2020, a debit in the amount of - {$490.00} was posted from a XXXX 's transaction on my Netspend Visa Pre-Paid Card. 

However, after the transaction was declined, canceled by the store, and no Transaction # or Authorization # issues for that amount the {$490.00} was never restored to the account. 

I've sent multiple documentation to Netspend including the receipt showing the Transaction # and Authorization under the XXXX Mastercard the {$490.00} purchase was ultimately approved. 

I made multiple calls to Netspend supervisors and senior management. I was last told that on the XX/XX/2020 an update will be provided. 13 business days after the dispute was filed with Netspend. There Disclosure clearly states 10 business days for all resolutions. 

I have worked diligently with XXXX 's to address the heart of the matter. There is no question this is an error on Netspend 's part, and at the very least should be provided with credit ( temporary or permanent ) by no later than XX/XX/2020. I was not assured that a credit would be issued ; despite the fact, the account continues to be in negative balance and accruing fees. 

XXXX XXXX
Consumer complaint received 2015-04-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I was contemplating cashing in some US Savings Bonds. Went into my local Santander Branch in XXXX XXXX and the manager went on line, pulled the values and I then selected several bonds to redeem based on the info presented. I redeemed XXXX bonds out of XXXX for {$1700.00}. The amount was put into my account and all was fine. 1 week later i received a call from the manager that there was an " website system error '' and that the bonds were only worth {$750.00}. Before I could get there, they went into my account and took back the difference. I asked for my bonds back and was told your out of luck. When i showed the Santander printouts to my tax person he confirmed that there was no website error, the XXXX pulled the wrong screen. The values she pulled were for final maturities not current value. Based on this I am out 4 % bonds and the majority of the money was taken back. Santander has been bouncing me around different people with no resolve. Everyone makes a mistake, they need to admit the managers error and take responsibility. I have gotten responses ranging from " your out of luck '' to " You should have done more homework.
Consumer complaint received 2022-07-20
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. (TN)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (PA)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

I have tried to dispute with this creditor and the XXXX major credit bureau agency in XX/XX/2023, XX/XX/2023 after noticing a drop in my credit and closing out an account in XXXX. After closing the account with XXXX XXXX XXXX  Account XXXX XXXX in XXXX, I noticed a drop in my credit report in XXXX because my account was reported to be 30 days past due. I spoke to customer service and was told that I still had interest to pay after my account was closed. The interest that was reported was {$1.00}. I was not aware of these at the time of closing out the account. This account was closed in XXXX after a missed payment in XXXX. I closed the account because of the multiple fraud activities on my bank card, which resulted in changing my bank card XXXX different times between XXXX to XXXX of last year which resulted in a missed payment. I requested for a script that shows that I was late with the XXXX payment. I have contacted the company XXXX XXXX XXXX  Account XXXX XXXX directly to find out why I was considered late in XXXX when I closed the account in XXXX. I reached out to them to show the prove that the account was closed in XXXX and also show the balance that was reported in XXXX. XXXX XXXX XXXX  Account # XXXX never sent proof that I was late. I would like an investigation to be done regarding my case. The creditor has illegally rearranged my closing date to XXXX. XXXX XXXX, Equifax and XXXX are all not saying the same thing with my account They have failed to do an update on my account and do a proper investigation.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (CO)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2016-08-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (MA)

I was n't able to pay a private student loan I got over ten years ago in Missouri ( MOHELA ). Eventually, a judgment was taken out against me. I have finally graduated from college and would be able to pay a reasonable amount per month, but the exorbitant attorney 's fees and 10 % interest on the judgment are keeping me from basically ever being able to pay off this loan. Also, the attorney will not give me information about how to pay electronically, is not agreeing to the payment arrangement I proposed, and now is trying to make my father pay -- he has even less money than I do.
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

Since XXXX of 2022, I have been attempting to get this erroneous information deleted from my credit report with XXXX that is appearing TWICE. The amount is {$150.00}, and I have demanded verifications and investigations repeatedly, only to receive generic responses that this debt has been proven to belong to me. I have demanded information to include the original creditor, their name/address/phone number, the account number, and amount owed, the date it was transferred to them, a copy of the written agreement, and information ( name/address/phone ) of the person that verified this debt.
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Sale of account — 
Company: ENCORE CAPITAL GROUP INC. (IL)

I have an old credit card which was purchased by a third party collection agency. That agency is now reporting on my credit report as collections but also as being late with payments. My on-time payment percentage dropped based on their reporting. How can an account be sold off but also be 30 days late?
Consumer complaint received 2016-11-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Funding purchased an old XX/XX/XXXX XXXX credit card and had an incorrect address, threatened to suit and said they were attorneys when they were only collectors. There 's a judgement with no signature of mine or my husband and the law firm would n't talk to me because of the incorrect address Midland had.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion 's initial web page does not provide a way to obtain a free credit report. Instead it provides a free credit score and a credit report for {$1.00}. You have to create an account with them in order to get either. Both are part of a 7 day trail. After 7 days you have to pay {$17.00} a month for their monitoring service. You can cancel within the 7 day trial period. This TransUnion web page came up on the www.freecreditreport.com site. I have no idea how to get my free credit report from this company. I do not feel I should be required to create an account with them in order to get my report. The other reporting companies do not require this.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DE)

I am a XXXX year member with USAA and a retired XXXX XXXX XXXX member My USAA credit card was closed after USAA claims I did not respond to their request about additional information concerning my ex-wife of ten years. I spent numerous hours trying to remedy this situation and finally sent three e-mail directly to the USAA Chief Executive Officer ( CEO ) asking for his personal involvement. The CEO simply handed off my complaint to a staff member who claims it will take " some time '' to resolve my complaint - meanwhile, creditors are attempting to charge my credit card - with charges denied. Rather than reiterate all the details of this fiasco, please refer to the three attachments that I have sent directly to the CEO, XXXX XXXX XXXX. The attachments to the three e-mails I am attaching to this complaint. I understand that your involvement may take some time, but I had hoped that USAA would be more timely and responsive.
Consumer complaint received 2015-04-13
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Platinum Finance Company, LLC (FL)

I entered a Debt Management Plan with XXXX for a Payday Loan obtained from XXXX XXXX XXXX. I signed the XXXX documents on XX/XX/2014. XXXX continued to debit from my bank account, so I called them on XXXX XXXX and asked them to stop charging me, since I was already paying on the DMP. I also called XXXX XXXX, and asked that any payments they try to take out be stopped. despite these attempts, they have debited me XXXX more times. I keep calling and being assured it will be taken are of, and it is not. I am paying this back to XXXX companies.
Consumer complaint received 2016-05-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have submitted XXXX disputes to Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA-XXXX, ( XXXX ) XXXX ) XX/XX/XXXX. XXXX was in XX/XX/XXXX for a collection account on my report that i could not validate. I sent them a letter requesting the information about the account to investigate. I received no response. I sent a follow up letter on XX/XX/XXXX again requesting information, i again received no response. XXXX reported that Midland had stated they verified they debt, yet have had zero contact with myself, sent me zero notices and refuse to provide how they verified this debt and that they own it. The bank they state their collecting on behalf of closed XX/XX/XXXX XXXX XXXX XXXX ). I previously had XXXX credit cards fraudulently opened at XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ; I spoke with them over several months XX/XX/XXXX and they investigated, AND removed all XXXX accounts due to their internal investigation results. I have XXXX debt owed to XXXX Bank, but Midland placed on my report that i had a charge off XX/XX/XXXX -- 2 years AFTER this bank closed. They reported on my report that my Date of First Delinquency was XX/XX/XXXX -- which is odd because there have been no active XXXX Bank accounts since XXXX when sold to XXXX XXXX. It 's also inaccurate because a collection agency ca n't open an account XX/XX/XXXX if that consumer did n't become delinquent until XX/XX/XXXX -- their info is not accurate and they are unable to validate this item. They have refused to send any supporting information and are reporting inaccurate and false data to my XXXX, XXXX and XXXX credit reports. Due to Midlands lack of response and inability to provide any info about this debt, supporting it belongs to me, or any correspondence, I 'd like it removed from my credit report per FDCPA guidelines.
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

On    XXXX   XXXX   XXXX  , I  paid  Wells Fargo Ba nk {$8000.00} to satisfy the full amount owed on my Visa card ending in  XXXX . Immediately after I paid it, the bank added an additional {$140.00}, which the bank says I now owe in addition to the fully satisfied amount I already tendered. This is bogus and banking fraud. How could I owe interest after I 've satisfied every penny owed? I want the charge removed as it is unjustified.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

XXXX XXXX XXXXXXXX / XXXX / {$1500.00} XXXX XXXX XXXX XXXX / {$2200.00} XXXX XXXX XXXXXXXX / XXXX / {$0.00} XXXX XXXX/ XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MN)

on XX/XX/2021 I sent a wrong crypto currency to my coinbase account. I meant to send XXXX from my XXXX XXXX  account, but instead sent XXXX XXXX  XXXX. I sent {$3700.00} worth of XXXXXXXX  ( {$3600.00} XXXX after fees. I then saw my mistake and searched for ways to recover this money. It is not a complicated process at all is what I gathered from research, the only problem is Coinbase. They refuse to help customers when a customer accidentally sends their crypto currency to their addresses. In fact, they do not respond to customer service requests period it seems. I've read lots of forums with people stating that Coinbase will simply reply to customer service requests by suggesting they look at the FAQ page of Coinbase or they just have an automated response, which will never provide answers customers are looking for. I have submitted requests to coinbase before, but they have never answered. Their website implies that Crypto Currencies sent to the wrong address can not be recovered, yet they also have a blog that states they will are working to be able to recover them eventually but they give no information as to what tokens we can expect to be recoverable, or how to request tokens a customer may want to recover.
Consumer complaint received 2022-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.