davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (CT)

I'm just trying to close my account and withdraw my money from Gemini exchange. I've reached out to them several times to ask for help in this matter and all I've gotten is a standard auto-reply email that didn't even come close to addressing the information. They don't have a phone number to call to contact a live representative and their web based chat is bot based. 

I feel like my money is being held hostage. I just want to close my account and get my funds back. According to them, I have to set up a wire transfer first before I can do this ( Even though they had no problem taking my money from my credit union account via debit card when I first opened my account ). But now in order to pull my money out I need to establish a separate wire transfer directly to my account. Their instructions on how to do this has been no help since my credit union works differently. Again, I emailed them to provide more specific instructions and all I got was the standard reply email that had nothing to do with addressing my issue. 

Even if I receive my funds in the form a check through the mail I would be ok with this. 

Gemini exchange wreaks of a scam to me and I don't understand how they can remain open for business.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (MN)

Ally Financial reported delinquency on a car that was a total loss with gap insurance three times in XXXX of 2020 same loan & debt, was reported 3 times in single month XX/XX/2020 XX/XX/2020 XX/XX/2020 I have attempted to no success to resolve with Ally for months following the accident & total loss of vehicle. The vehicle was sent to write off following unsuccessful dispute resolution. The reporting of delinquency 3 times in month drop my credit substantially as when they additionally turned the remainder balance of XXXX to write off department effectively Ally financial unfairly reporting in single month is ridiculous and damaging consumers.
Consumer complaint received 2016-08-10
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (TX)

Compass Bank closed my XXXX minor son 's savings accounts with no notice. Instead of mailing me the amount in their accounts that they closed, they have sent the money to unclaimed property. Now I have to submit a claim and wait for unclaimed property to investigate before I can recover this money.
Consumer complaint received 2021-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

On my Chase sapphire XXXX card dated XX/XX/2020 I received a bill ( among other fraudulent charges XXXX for {$110.00} from XXXX XXXX XXXX XXXX. I phoned Chase and they credited the amount back to me. Before contacting Chase I called XXXX XXXX XXXX XXXX and they had no record of the purchase. Obviously the card was cancelled and another one issued. I have yet to use the new card. Yet, I noticed the amount recharged on the new card during the most recent bill. I have written to Chase and filed with XXXX to no avail. 

As of today XXXX XXXX XXXX ) someone from Chase purporting to be from the XXXX office ( XXXX ) and named either XXXX or XXXX XXXX voice was muffled, and no call back number or last name was given ), called and said she was going to call me back, I have heard nothing since that call on XX/XX/XXXX, XXXX 

I am not willing to pay this amount ; nor will I pay interest or penalties on something I never purchased. 

I have also asked Chase to describe how they protect my information and that query has yet to be addressed. If I am ever to use that card I will need the answer to that question as well. 

Thank you for your assistance in this matter.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (VA)

Hi, I have a coinbase account that I've been actively checking on my mobile device for over a year and it has 2 factor authentication setup. I was automatically logged out of my device on XX/XX/2021 that displayed the login screen. 

I reset the password only to receive an auto generated email that says my device is not recognized as authorized. I wasn't sure what that meant or what I need to do next but responded to that email and have been submitting requests since then to no avail. I got a general response to most every email except one that asked me to confirm a series of questions that I answered saying yes I'm using the same phone, same number, same email, have forgotten the password and need to reset and that I was really concerned why it logged me out and why I can't reset. Mobile app allows the use a pin code for quick access and so I was using that and never could have thought it would not let me reset the password. 

After 30+ attempts of password reset from multiple browsers and devices and password combination, submitted multiple tickets as I wasn't hearing anything but the auto generated email saying 4-5 days before someone will reach me to conduct a security review and if I've a webcam and what not, tried reaching them on XXXX coinbase support and coinbase and have not gotten any response to resolve. I'd have never thought I couldn't reset my own password especially when I setup the 2FA. 

I'm really unsure as to what else I need to do so I'm coming to this as a past resort to get your help. 

Please let me know how I can get them to help me reauthorize my device to reset my password. 

Warmest Regards, XXXX
Consumer complaint received 2015-07-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i am super disappointed all my calls and pleas for help are going un heard. i have beena c ustomer for a long time with credit. i need some help i need a business account with no minimums no fees for a while. a business account i have a spark card. I have always been helped by this bank and this is just being ignored. please help. PLEASE escalate to Virginia office. 
please escalate to capital one bank office of president. 
i need help. not the run around loyalty for loyalty PLEASE assist. this account will have over XXXX XXXX with the year from an expected grant. PLEASE help no scripts. I have called, written getting nowhere pleae help
Consumer complaint received 2021-01-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

in violation of 15 USC 1692 j, navient tricks the consumer into fictitious debt obligations through unfair and abusive practices. the facts are that no loan was given as the word is not defined by the FAIR DEBT COLLECTION PRACTICES ACT. I have requested that navient show the source of the alleged funding and proof that a loan was given. navient is using deceptive practices to enforce fraud and the contracts are invalid because of their use of silent jurisdictions, secret contracts, identity theft and commercial fraud to harm this consumer and natural person.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

I have disputed the information in regards to Experian posting the XXXX on my credit report. The resolution was account information disputed by consumer. This item was updated from our processing of your dispute in XXXX 2016. I also received an email in regards to the dispute from Experian saying that they have investigated and found the account to be valid. I called Customer Service today and received the same statement but when I asked about what information that was found to verify this account was mine. The CS rep recommended that I speak with the Credit Specialist and the credit specialist told me the same thing at first and then came out and said that they did not really investigate the dispute and do not have evidence to verify the account. 

I have submitted police reports and ID Theft affidavits stating that my information was compromised and the creditor XXXX tried to sue but did not show up for the court appointment of XXXX XXXX, 2016 @ XXXX XXXX that they had set. 

I would have expected Experian to take serious the dispute process because not only does it affect my credit score but my livelihood as well. I believe Experian would have taken more precautions and be more concern if they were in my shoes. 

Also the Experian Credit specialist stated the creditor XXXX had submitted that my address was an address in Arizona. The problem with this is that I have never lived in Arizona or even visited the state.
Consumer complaint received 2021-04-23
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: EQUIFAX, INC. (GA)

I HAVE CONTACTED EACH COMPANY WITH A WRITTEN LETTER TO REMOVE THESE INQUIRIES FROM MY CREDIT FILE THAT I HAVE NOT GIVE CONSENT TO PULL MY CREDIT REPORT XXXX XXXX XXXX XXXX COAF XX/XX/XXXX CREDIT PLUS XX/XX/XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX MERCHANTS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXL XXXX XX/XX/XXXX XXXXXXXX XXXX NA XX/XX/XXXX 2020
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Company finally closed my account on XX/XX/21 in the amount of {$3500.00} with the line item stating " transfer withdrawal. '' They have not sent any form of confirmation as to WHERE my money is and how long it will take to be received by me or anyone else.
Consumer complaint received 2016-12-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (ID)

A XXXX Bank in XXXX cashed a check we sent our nephew for XXXX in the amount of {$25.00} and they also debited our account an additional {$990.00} that was on a completely separate payroll check written by a XXXX XXXX XXXX from XXXX, this check shows up in the image of our check provided by our bank. I have attacheded a copy of the image of the check provided by our bank. Our bank ( US Bank ) here in XXXX, XXXX removed the funds from our account to pay the check. We have nothing to do with this second check except that the funds were drawn from our account. I contacted the local branch of US Bank and explained what I thought happened and was told that it would have to be referred to their back office. When I asked how long that would take they said they did n't know but would call back when they had a better idea, no apology whatsoever. We are leaving the country in two days and wo n't be back for a month, I told them this and indicated that I wanted them to expedite whatever action they needed to take to get the money back into our account before we left town. I have n't received the promised call back and we have exactly one business day left before we leave for our trip. I do n't know who should be responsible for returning the money but they have taken a very nonchalant attitude about the entire mess, meanwhile we are out {$990.00}.
Consumer complaint received 2016-06-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Metro Area Collection Service, Inc. (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX put me into collections by mistake 1 year after debt was paid in full. I was reassured that it would be removed from credit bureaus over 15 months ago. Ca n't refinance home due to their poor accounting.
Consumer complaint received 2016-12-14
Product: Consumer Loan — Title loan
Issue: Charged bank acct wrong day or amt — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AZ)

There is a breach of contract under the stipulation of late payment marked X on page XXXX. I contacted the corporate headquarter in XXXX and I was told that the automated system had set up my account to draft from my XXXX XXXX account on the XXXX of XXXX. 

I believe I was n't given the allotted 10 day time frame to be able tyo catch up on my missed payment. Please mediate for me as I do n't know how to go about this situation. 

Thanks and here are the paperwork needed for my claim.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Equifax consistently fails to update my credit card balances in a timely fashion in comparison to XXXX and XXXX therefore always the lowest score is the Equifax not fair
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services (NV)

I have asked this company for over a year to send me information regarding this debt. They only have sent an invoice with my name on it. I have stated several times this account is not mine. I have asked for an address, social security number anything that would help me figure out what's going on. They have never sent any information linking me to this account, my next step will be to sue this company.
Consumer complaint received 2016-05-17
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (CA)

I had a Pay Day Loan with XXXX Net Pay Day Advance on XXXX/XXXX/2013 which I had been paying regularly with the help of XXXX XXXX XXXX XXXX An accounting error occurred in the disbursement of funds which was immediately corrected and the automatic re-payment continued from there on until the account was paid in full. Payment was missed only for 60 days but was subsequently paid in full. In spite of the account already had been paid satisfactorily, they continue to keep the derogatory remarks in my credit report. The collection agency had agreed with XXXX XXXX XXXX XXXX that such entry will be deleted upon payment in full. It has been more than 3 years now since the account had be paid and they are still carrying the derogatory remarks in my credit report.
Consumer complaint received 2021-04-21
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. (WI)

Upon noticing that an account XXXX XXXX XXXX was reporting erroneously on my credit report, I sent letters to all three Credit Bureaus. I also emailed XXXX XXXX XXXX and sent letters to them. 
XXXX XXXX XXXXnd Equifax all " updated '' this account by deleting payment history but left it in a Derogatory Status without ever providing proof of validation. At the same time, the email responses from the CEO of XXXX XXXX XXXX and an account manager stated no account could be found in my name. Therefore, all three credit bureaus are in violation of the FCRA. I have sent all three Credit Bureaus copies of above mentioned emails with zero results.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NC)

XX/XX/21 I sent 3 credit bureaus a copy of my credit report. Which includes inaccurate information on my credit report including accounts open date to balanced owed. The bureaus know if information not matching with others you have to delete off my credit report. Unfortunately, they never did. Which is a violation.
Consumer complaint received 2021-04-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX 3and my social security number is XXXX year of birth is XX/XX/1969 address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my complaint is that equifax refused to remove all the 8 hard inquiries that affect my credit score. Off my report I've been victim of fraud. I spoken to them numerous times regarding this existing problem
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

I am writing today in regards to my account with Loancare LLC account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

For The Past two years I've been trying to remove old Addresses from Equifax credit report. I've sent leases, utility bills and everything i could to prove that these address dont belong to me .but they always re appear with no explanation. 


The address in question goes as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I sent a dispute to Equifax XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery. I am requested this information be deleted per the law.
Consumer complaint received 2017-03-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Daily, continuous automated calls from XXXX. Recording advises of an urgent, important matter regarding my daughter who has not lived with me for numerous years. I press XXXX ' as instructed to speak to an operator and then the line hangs up.
Consumer complaint received 2015-04-11
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FORD MOTOR CREDIT CO. (CO)

they did jail me for failure to answer interogitories that they already had answers to and they brought the suit without legal standing due to the time elapsed they keep changeing agencys to subvert the law on deadlines they have attatched exempted funds and although the amount showing paid is more than the original owed 12 years ago they still say they are owed more the humiliation of a night in jail is worth more then any amount they can conjure with their creative accounting.
Consumer complaint received 2021-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

It's been a year that I've been disputing this credit card off my credit report. The only response that I've been getting that it's verified. Well I want to know who verified it? Also I want to know were is my signature on the letter stating that I owe them. By law in 30-60 days if there is no response of proof stating that I owe them. It needs to be remove off my credit report! I am getting harass and I feel threatened for my life! I don't know anything about this account. Please remove it out of my life!!!!
Consumer complaint received 2021-04-19
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 am writing to dispute the following accounts for I am having difficulties due to the inaccuracies with the following accounts listed. These accounts were reporting information that are violations to the FCRA and should be removed immediately.
Consumer complaint received 2015-07-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (PA)

I bought a Ford a while back, financed through Ford Credit. Having been educated in the basic principles of finance, I 'd like to make an effort to pay the loan down early. Unfortunately, their entire system seems to be deliberately designed to make this as difficult as possible. 

First, any payment you send in does not officially " clear '' for several business days. Twenty years ago, that was silly, but at least somewhat understandable. Today, in the Age of the Internet, it 's just flat-out ridiculous. If I submit a payment electronically and it takes more than 1 minute to clear, something is very wrong. If XXXX and XXXX can get it right, why ca n't Ford Credit? 

But that 's just a part of the larger issue. If you submit an additional payment, common sense dictates that you are obviously trying to pay the loan down early, but their treatment of the funds is disingenuous, bordering on predatory. Instead of applying the money to principal, as is appropriate for an attempt to pay down the loan early, they apply it as an early payment, and simply adjust your payment schedule to compensate. 

This makes no sense whatsoever. While it 's certainly imaginable that someone might have a need to make a late payment ( " I can pay you tomorrow, but not today, '' ) the thought of the opposite as a legitimate issue ( " I can pay you today, but not tomorrow '' ) is utterly ridiculous. And yet it is not only the default presumption when additional payments are received, it 's the *only* option available on their website. 

In order to have additional payments handled correctly, you are required to wait several days until the payment clears, and then call Ford Credit, navigate a phone tree that does you no favors in your attempts to reach a human being, and then finally explain the obvious to the operator and have them manually fix the payment in their system. And you are required to go through this long, wearisome process every. Single. Time. 

I have complained about this to them multiple times, and have been told that nebulous " technical issues '' prevent them from setting it up the right way. As a XXXX, that 's pure bunk. If any such technical barriers truly exist, they exist only in the mind of an utterly incompetent site developer. Much more likely is the theory that this is done deliberately, placing as many barriers as possible in the way of a customer paying down their loan quickly, in order to maximize interest income. 

Ford Credit refuses to fix or even truly acknowledge the problem, so I 'm coming to the CFPB. Please investigate and put a stop to predatory practices like this. If an additional payment is received, it should, by default, be applied 100 % to principal in order to pay down the loan as quickly as possible. Anything else is abusive.