davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I tried to get my credit report from TransUnion. I was not shown a bill ; however, I was billed upon being shown my credit report for " credit monitoring ''. I emphasize that no bill was shown or available, and thus the charge is fraudulent.
Consumer complaint received 2015-10-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (NV)

I have been using rush card for almost 5 years happily until XXXX XXXX. At that time a software glitch became a nightmare. On a trip to XXXX XXXX for a work conference I was embarrassed when my card declined a transaction that I should have been able to afford easily, from there I suffered the continued embarrassment of having to rely on my co workers to finance my expenses including a ride home to the air port. Till this date I still do not have access to my funds. I have been reduced to borrowing money from friends and family to pay for basic expenses. Numerous calls and emails to this organization have gone unanswered. It is as if my money has disappeared. It is XXXX XXXX and I still can not acces my funds.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

I have been disputing a transaction with XXXX regarding a purchase that I am 100 % completely DISSATISFIED with for almost a year now. I have filed a " claims and defense dispute '' and they refuse to follow federal guidelines and the guidelines on their own credit card disclosure. 

I have tried to successfully resolve this matter with merchant, and also have witnesses. 
I have purchased it with their credit card. It was purchased within the 100 miles distance stated on their disclosure and the federal guidelines. 
It costs more than {$50.00} - ( ACUTAL PRICE : {$2800.00} ) I have provided XXXXy with over 200 pages of supporting documentation and they have just been over looked as if they meant nothing. 

It states under FTC and federal guidelines for a claims and defense dispute - billing rules do not apply.The dispute should be addressed as a claims and defense dispute and be opened regardless if there is a contract or not. 

" You can request a chargeback under the claims and defenses provision for any legal reason you have to cancel a sale directly with the seller, including if there's a problem with the quality of the merchandise. You have up to one year from the statement date to make a claim. You must meet four requirements : The disputed amount must be over {$50.00} ; you must be able to prove that you made a good-faith effort to obtain a refund or credit directly from the seller ; you can dispute only up to the outstanding balance on your card ( if your balance is zero, you can't use this provision ) ; and the merchant must be within 100 miles of your home and in your home state. ''
Consumer complaint received 2016-06-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UMPQUA HOLDINGS CORPORATION (OR)

My Name is XXXX XXXX, I reside in XXXX, XXXX. XXXX ; ( XXXX ) XXXX. I have a Home Mortgage Loan with a XXXX Bank called Umpqua Bank. In the last year they bought out Sterling Bank, and had to go through a huge Conversion, during this time my Loan suddenly started having all kinds of Servicing problems. I started getting all kinds of fees, then This year due to me being a XXXX Veteran, I get a huge break on my County Taxes, then i that same time I switched from one Insurance Company to another one. They could n't figure out the Escrow, with the Taxes because of Being a Veteran, then suddenly I owed {$500.00} more in my Escrow Account, when my whole Taxes went down alot, then they still ca n't get the Account right and they keep charging me money, with no one to answer " why, How ' where, when '' Etc. I called my XXXX VA Loan Dept. they advised me to get all of last years profile of payments, I tried 3 times to obtain it,. Due to the Conversion they have split up all the Services and the Loan Department is now in XXXX, XXXX. No Umpqua Bank In XXXX has any acess to Loan or Escrow files, I have to call up XXXX, then Loan Dept. ca n't see Escrow nor Vica Versa. I have been treated very poorly, and I truly believe there is something Illegal going on with my Loan. I desperately need help. I have paperwork, notes etc for you when you need them. 

thank you for Your time and Cooperation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

My mortgage was sold to Ditech from XXXX XXXX located here in XXXX, Ohio. I have contacted Ditech to inquire how to have my mortgage re-cast, and I consistently receive emails and letters through the mail stating that my inquiry is under review. I believe this option to re-cast falls under the prepayment category of the mortgage under which it is written I am free to prepay at any time. Ditech continues to delay allowing me to re-cast, thereby preventing me from lowering my monthly payments as I desire to do. This has gone on over three months now. Please let me know how I can get better service from this lender. I wish my loan had never been sold to them. I chose a local lender in the first place to prevent this kind of problem.
Consumer complaint received 2016-03-09
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

A company has been withdrawing money from my checking account. I am not familiar with this company and called them asking them to stop withdrawing money from my account. They agreed to stop, but they continued doing so. I notified the bank ( HSBC Bank ) and had to fill out some forms with them under perjury of law. The problem continued and I went back to the bank and complained again and was asked to fill out the same forms that I fill out the first time. each time this company took money out of my checking account I was charged " with overdraft '' protection, since little to no money was in my checking account. The bank continued to let this company take money out of my checking account and charge my with " over draft '' protection. The bank now, present day ( XXXX XXXX 2016 ), claims to have sent me my new debit/atm card. I can not take money out of my checking account without my atm card. The bank claims that they sent me a new atm card, but I have not received it. I called the bank and they said that they will send me another card, which I still have not received. I do receive from the bank notices and statements, but still no debit/atm card. I filed a complaint with the post office in case the problem is there and now I filing a complaint with the bureau of Consumer Financial Protection. I would like this problem resolved.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

Dear Lexis nexis Name : XXXX XXXX XXXX : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this information from your data these accounts above & below i dont want this information reporting on my file & no permission to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (CO)

My business partner, XXXX XXXX, had opened up an American Express credit card sometime XX/XX/XXXX last year, XX/XX/XXXX. The CC was opened without my consent but included my name and my business name on it : ( can not include my name per instructions above ) and XXXX ( my business ). I hold 50 % of the business and I am the full investor of the business. I was aware of the card because it was presented to me XXXX after it was issued but I never approved of the card/credit. I do not understand how AMEX allowed to issue a credit card with my business name and my personal name on it without speaking to me. What truly makes me upset is that AMEX allowed XXXX XXXX to cancel my account XX/XX/XXXX without my knowledge. XXXX cancelled me out so that he could do whatever he wanted to : personal vacations, gas, dining, shopping, you name it. I called AMEX many times but they will not give me any info on transactions simply because my account no longer exists XX/XX/XXXX. XXXX has been making pmts to AMEX out of my business checking account ; charges are worth of XXXX and plus, which is effecting my payroll account and business operations overall. Because of XXXX large withdraws from the business account, I was forced to contribute my own personal money into the business to save all accounts and pay my employees on time. I am helpless here. Please help me to resolve this issue
Consumer complaint received 2015-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Dynamic Recovery Solutions, LLC (NE)

They have called several times from local numbers but are out of XXXX sc. They called about a debt from XXXX yrs ago that has since been taken care of, threatening to put a refusal to pay on my credit report. I googled their name and found thousands of complaints, about how they tried to scam thousands of others. Please shut them down before I become XXXX of them.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (MS)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose EXETER FINANCE LLC POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX CO XXXX - XXXX CO XXXX - XXXX CO XXXX - XXXX CO XXXX XXXX XXXX CO CO XXXX XXXX CO CO XXXX CO CO XXXX CO CO XXXX CO CO XXXX CO CO XXXX XXXX CO XXXX XXXX CO
Consumer complaint received 2021-02-25
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. (GA)

XX/XX/2021 I am very distressed with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress they cause me. My information was impacted by the XXXX  data breach may have got into the hands of the wrong person. I am begging for help at this point.
Consumer complaint received 2015-08-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC (WA)

I have student loans from XXXX XXXX called XXXX loans. From what I understand based on an article on your website, these loans were supposed to be reduced by approx. 40 % as a condition of the sale of XXXX to the new owner. This article was from XXXX, 2015. From everything I read, this reduction should have been automatic with no action required on my part. As of today, my loan balance has not been reduced at all. It is still around {$17000.00}. I would like to have the reduction I believe I am entitled to based on all the fraudulent practices of XXXX.
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (MS)

on XX/XX/2021, i sent a letter to Security credit Services , LLC about a alleged debt of {$28.00} that i don't owe and its damaging my credit. I haven't had any dealing with XXXX XXXX XXXX and requesting information about the debt and has attach a copy of the letter below.
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I can no longer log in to my XXXX account or wallets. I contacted customer support in every way and was told " we dont know why and we dont know when someone will be available to help you with your issue. It's been about 3 months and I still can't login, and have been given no explanation.
Consumer complaint received 2024-03-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

I called the company a few days ago about my gift card declining. I was told there was a hold on the card. I saw online the hold was lifted and tried to use the card at two different online retailers and card is still being declined. Customer service is unhelpful. They always say card is active and try another merchant. I get these gift cards frequently from a vendor and there is always a problem using them. It should not be a chore to use a gift card and every time I have called customer service they say the same thing and are just simply not helpful and often times rude. So I currently have {$220.00} on my card and I have no way to use it. This is theft.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IL)

I've reached out to you about this situation back in XXXX US bank replied and told me my account was going to be closed as of XX/XX/2021 bit the account is not closed my funds is just sitting there I'm being charged fees and when I call the representatives can't tell me anything I was able to get hold of what was suppose to be a senior banker who was rude XXXX and XXXX at this point I don't know what to do and feel it's unfair to me to keep getting charged fees when my account should've been closed my account has been under investigation since XXXX it's XXXX and still nothing this is crazy please help
Consumer complaint received 2022-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (NJ)

I deposited over {$130000.00} to Crypto.com on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX where I have been trading cryptocurrencies for over a year. I was told that I would be able to purchase cryptocurrencies instantly but I wouldn't be able to cash them out or transfer them to my other wallet for 3 business days. After XXXX business days when I tried to transfer my cryptocurrencies to a more secure wallet I was told I couldn't because my transaction was still pending. An hour later I connected with them through their in app chat and was told it isn't really 3 business days but 5 business days before I could access my funds. I was given an article from their FAQ section to back up their policy of 5 days. When it was still pending after 5 days I was told, in their in app chat that it was really seven business days ( given an accompanying FAQ article backing it up ) and that my funds would be ready on XX/XX/XXXX. Now today I was told it really isn't 7 business days, it is seven business days from the date of last deposit, but the Customer Service agent said he was escalating my request and I would hear back from them soon. for six hours i checked in once and hour and was told by the customer service representative that he was working hard on my case. After six hours he messaged me that he was still working on my case, and I would hear back from him shortly. Then he signed off and left and I was written to by a new customer service agent who told me he would have to go through my chat history with them and " familiarize '' himself with my case and then he could help me. After an hour he said that he has escalated my case and I would hear back within a few hours again but it would be a few days until I could get my money back. So now it is another day I still can't get my money. They say there is no manager to speak to or any other team to help. They say hopefully, at some undefined point, I will be able to access my money. I am not holding my breath. It is fairly obvious they are having issues and why tell a customer the truth when they can just lie repeatedly. I hope this can be resolved without me needing to file a lawsuit to get my money back, but who knows. Anyone reading this, USE XXXX, XXXX, XXXX, ANYONE but crypto.com.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

experian credit agency called to get unauthorized inquiries removed and wouldnt remove them inquiries not authorized are XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (SC)

Our mortgage was sold to this company in the middle of a loan modification/forbearance process. Once we had sent in all of the needed documents ( twice ) it took a few months to finally hear anything back. I had to call and call to get any sort of answer. When everything was finally settled. At the end of XX/XX/XXXX I was informed over the phone that everything was done and our first payment would be due XX/XX/XXXX. We had decided to go ahead and make a payment in XX/XX/XXXX for the XX/XX/XXXX due date so we would be ahead a months payment. I had to call in to make the payment of $ XXXX, again she confirmed that payment would be for XX/XX/XXXX. In XXXX I went to make XX/XX/XXXX payment and again had to call in because online payments could not be made for our account because something was not completed on their end. I was assured that it should be fixed by our next payment. I noticed a couple weeks after that our account was showing delinquent. I then called again and was informed that she had escalated the issue and it would be fixed. After about a week of not hearing anything I called to check and was told she had gone on vacation and forgot to follow up on the issue. Again she escalated the issue. With one of the conversations with this same person she was very rude talking and yelling over me. I then ask to speak to her manager and had to leave a voicemail. Did not hear back. We have made three payments now of $ XXXX and still are being told we are delinquent. I have tried multiple times to have this issue resolved. Left another voicemail today with her manager XX/XX/XXXX. 

As of today we have made XXXX, XXXX and XXXX 's payments but are being told we have only made XXXX, XXXX and XXXX.
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (DE)

I have a car loan through Audi Financial Services. They are not allowing me to access their website to make payments. This has been an issue for a couple months now. I set up the account online and get a message I will be notified when processing is complete. It should not take months to set up an account. I called and was told they could not do anything for 25 days since the last time I tried to log in. I waited the 25 days and called back. After deleting and reloading the Audi app and verifying my information is accurate the agent opened a ticket. I called back a week later to get an update on the ticket and was told the ticket was closed because my information was not matching. That is incorrect as the information was already verified as being accurate. I believe this was the companys way of meeting SLAs for closing out tickets. I still cant access my account online. I want the problem resolved to allow online access to monitor my account. Thanks, XXXX
Consumer complaint received 2015-12-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (FL)

My wallet was stolen out of my car on XXXX/XXXX/15. I have talked with regions bank several times and am constantly getting no where with this company. I had called again on XXXX/XXXX/15 to talk to soltions department to refile the case. the next day it was denied. I have called several times and no one is willing to do anything at the main office or branch level. This company has STOLEN a total of XXXX in fraudlent charges and XXXX in fees that occured due to these fraudulent transactions. the total being XXXX STOLEN from this account.
Consumer complaint received 2015-04-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: 3rd Generation, Inc. (WA)

I was verbally insulted multiple by a representative. The representative shouted over the phone to tell me to " shut up! '' and afterwards he told me to " be more of man '' and that " I am irresponsible ''. The same representative left me a voicemail stating if I did not call him back he was going to report me to the police.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/year> around XXXX about 10 transactions were made sending a XXXX XXXX to someone named XXXX XXXX in which I did not complete for a total of {$490.00}. When texted was this me after the transactions were completed, I replied no and closed my debit card. The transactions are not in my cash app which makes me believe this person somehow added my debit card to their cash app and continued to pull money off it. I filed a claim with chase that was denied saying the charges were authorized. On XXXX this person then tried to use my credit card on cash app which was denied immediately. Chase refuses to reimburse the money i have lost. I have since closed both accounts. The screenshot i provided is the person taking the money out in small amounts before chase texting me to verify if it was me. This was done on Saturday morning, i immediately called chase to report the fraud in which the agent filed the claim and was submitted that Monday in which she agreed the transactions did not look correct.