davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VEROS CREDIT, LLC. (CA)

I have been neglected by a credit loan company goes by the name of Veros Credit LLC I applied for a car loan and purchased a used car in 2018 Upon getting close to the end of the loan unfortunately I been involved in a car accident and because of that reason the company and me had to submit a settlement reducing the amount owned from XXXX to XXXX lowering my payment from {$510.00} to {$200.00} a month unfortunately I noticed later that I continue losing credit score as the account continue to stay open when the finance manager did a the settlement to close the account but they aren't reporting the credit Bureaus about the settlement or about the account been closed they have the account open at XXXX when the settlement is only owe XXXX and this bringing negative activity and so I keep losing credit score
Consumer complaint received 2017-08-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

I initiated a purchase of XXXX ETH for {$1000.00} USD on XXXX XXXX, XXXX XXXX to be paid for with XXXX - Spend - everyday ... XXXX. My ethereum should have arrived by the end of day on XXXX XXXX, XXXX XXXX. I also initiated a purchase of XXXX BTC for {$910.00} USD on XXXX XXXX, XXXX XXXX to be paid for with XXXX - Spend - everyday ... XXXX. My bitcoin should have arrived by the end of day on XXXX XXXX, XXXX XXXX. Nothing has arrived. I have tried to contact Coinbase but I have not received any support.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (MA)

Hi, My account at Marcus by Goldman Sachs has been locked for a month. A month ago, I attempted to transfer my money from Marcus to another bank via calling Marcus, and found my account locked the next Monday, without any warning or notification during that call. I called Marcus again, and was told that they would send me a form to fill and send back to them for reviewing. I filled and sent the form immediately after receiving it, and called back to check its status after I saw the tracking status as 'delivered '. This time, I was told that it would take 7 to 10 days after I sent it out for the review. So I waited 7 days and called again. I was told that it was not done yet, and I may call back next Monday. I called on next Wednesday, and was again told that it is not done, and I should wait 7 to 10 days after they receiving the form. Now it is already over a month after my account was locked, and 2 weeks after I sent the form. The form is just for identity confirmation, and I wondered what kind of review process could take over a week ( which is not done yet! ). I also requested for talking to people who is in charge of reviewing, and got rejected.

My experience with Marcus is very unpleasant. First, they should warn me if there is any potential issue when I make the transaction. Second, the whole process takes a very long time from sending the form and reviewing. Third, it is a lot of communication between the department answer my call, the department receiving my form, and the department review my form. Meanwhile, I can only speak to the people on service call, and won't get valid information or direct communication with the reviewing department. Also, the timeline of unlocking my account kept being putting off and no one from Marcus takes responsibility of solving the problem as soon as possible.
Consumer complaint received 2022-08-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account.

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Stellar Recovery, Inc. (TX)

XXXX- Stellar Recovery is trying to collect a debt I do not owe them for services I have never order from them. They assigned my SS number to someone else account by mistake or deliberately. I understand they want to collect over {$600.00} USD from me I have try to clarify this issue and now they want me to make a police report on identity theft and I will do so to keep them from damaging my credict.I just feel a victim myself of this company in their quest to make profit.
Consumer complaint received 2015-09-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP (MN)

I submitted a complaint through CFPB, Case number : XXXX. Key Bank was willing to work with me to activate my account and remove it from " charged off '' status. I made the payments as outlined by Key and my account was returned to XXXX XXXX to handle my account where I have made payments the past two months and I am up to date. I am still receiving late payment notices from XXXX XXXX, the collection agency. I received a late payment notice from XXXX on XXXX XXXX, 2015. I reached out to XXXX Key Bank, the contact that I was given should I need any assistance at Key and I have left several voicemails to call me back and help get this resolved and I have yet to hear back. I stated in my last voicemail on Saturday XXXX XXXX, 2015 that if I did not hear back from her by XXXX XXXX, 2015 I would file another complaint because that seems to be the only way this company will work with me.
Consumer complaint received 2016-08-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK (CA)

Due to being unemployed, I fell behind on my car loan payments. I was contacted, and tried to deal with the issue right away. I remained in contact with the lender, despite their poor communication skills. I could n't afford to pay the full amount ; so I was offered a deferment plan. I was to pay fees ( {$95.00} ) immediately, and pay the loan amount {$180.00}, by XX/XX/XXXX. I paid the {$95.00} immediately on XXXX XXXX 2016 via XXXX, using the loan companies pin number. They would n't accept my debit card ; or automatic payments, and said I had to use XXXX XXXX. I have a hard copy of the receipt. I paid with cash. I sent an email to the Loan Company immediately after making the payment. I did n't hear anything back from them. They have my email, work number, cell number, the number of a friend, and my address. I assumed all was well. Unfortunately, XXXX sent the money to XXXX, and did n't send the money to the lender. XXXX admitted guilt. Need-less-to-say, the lender never received payment. They repossessed my vehicle XXXX. The lender will not let me speak to a manager ; or a supervisor until I make a full payment : {$960.00}. Please, help me resolve this issue.
Consumer complaint received 2015-11-01
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

I made a purchase at Bloomingdale 's and returned the item on XXXX XXXX. I had received a cc bill for a payment due by XXXX XXXX a couple of days prior to XXXX XXXX. Because the item returned was the total amount on bill, I was told in-store that no payment would be due on the XXXX. On that same day I made another purchase, but being that I had already received the month 's credit card bill, believed that the later purchase would carry over onto the following month 's bill ( i.e. due XXXX XXXX ). When I received this month 's bill there was a late fee charge of {$27.00}. When I called customer service, I was told that the reason I accrued the late fee was because returns do n't count as balance pay offs. I tried to explain to the representative that for any other credit card I have, as long as the refund processes well before the due date of the bill, that I can deduct the amount of the returned item from my total payment. I further tried to explain that based on the policy the store was telling me, that Bloomingdale 's in essence can get double monies as they can re-sell the returned item + hold onto my money for merchandise I no longer have ( i.e. have double the money ). It was reiterated that returns do n't constitute payment on credit card balances. I got them to remove the late fee, but was told that I will have the same problem again this month when I explained that on my new bill I owed {$48.00} due XXXX XXXX. I returned XXXX item for {$30.00} and then paid the remainder of my bill in store for {$17.00}. I was assured that yes indeed, I would again be charged a late fee as I did n't pay off my credit card balance. This system sound egregious to me. I was told I could contact Bloomingdale 's Department stores National Bank for an executive complaint, but have opted to contact your agency XXXX, as I beleive what they are doing is a far bigger problem.
Consumer complaint received 2016-08-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: KEYCORP (FL)

I, XXXX XXXX, signed my mother 's signature XXXX XXXX for a loan in 2007 that I received during my attendance of school. XXXX XXXX spoke with Key Bank, after discovering on her credit reports, which I was informed they were extremely rude and nasty about the matter that is why she resulted to complaining to the CFPB. I also contacted Key Bank and provided a letter informing Key Bank that I am completely liable for this loan. I am also attaching XXXX of the credit reports my mother provided me, showing that Key Bank has the XXXX account listed on her credit reports three times. She indicated Key Bank has it listed like that on all her credit reports. I signed for XXXX loan with them, so they should not be reporting the account as Key Bank XXXX under account number XXXX, then same account ACS-Key Bank account number XXXX, then a third time Key Bk XXXX. These XXXX accounts are the same XXXX account and my mother has notified them and they still display it as XXXX accounts on her credit reports. Key Bank is dishonest in saying that they tried to contact my mother with no avail, she spoke to their fraud dept. told me that is how they obtained her address in which they did not have. She provided her signature over and over to show that is not her signature, which she is correct, it is mine, XXXX XXXX. I have attached new information and previous information submitted by XXXX XXXX, that she provided me. She informed she is not only mentally exhausted but this stress has taken a massive impact on her health in which I am totally apologetic for. My mother is in the process of obtaining legal representation for Key Bank 's refusal to delete and for reporting the same account three times on her credit reports. Key Bank 's refusal to acknowledge that they have received the documentation to support this debt does not belong to XXXX XXXX. She also said she was baffled why they did not contact her as she has a fraud alert before allowing me the loan. XXXX XXXX never had any knowledge, never received any documents or signed nor did she receive any benefits in regards to the loan. As I have admitted prior, XXXX XXXX XXXX XXXX XXXX XXXX is solely liable. My mother has been through more than enough turmoil. As she stated prior she was dealing with my father and only sibling battling with XXXX and I did not want to ask her to sign for the student loan, so I signed, which I had no right or permission to sign my mother 's name XXXX XXXX XXXX XXXX or provide her information.
Consumer complaint received 2016-11-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

Recieved a letter in the mail telling me keybank closed my account .... open an account on the 5 and today is the 13 and wasnt notified till today with a letter .. 
If there was a problem with opening the account i should have never been able to open and account .... my money is going to be sent back to me via check and have to wait for XXXX knows how long ... called keybank customer service and the do. Ot see why im account is closed ... worst bank in the world waste of time and waste of money for the simple fact i have to wait for a refund of my money and never was told why my account was being closed
Consumer complaint received 2015-06-09
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: The Moore Law Group (CA)

This is an old XXXX gas card. I told this same collection agency and XXXX, THIS card was used by another person for unauthorized use. 
I had a cousin who i helped, unfortunately HE used this card without my permission on numerous occasions. After he moved he wrote me and told me. 
this collection XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX
Consumer complaint received 2017-02-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (OH)

To Whom it may concern : I recently opened a checking account with Key Bank and received a letter in the mail this weekend that my account is being closed per their " Deposit account agreement and funds availability policy. '' I went to the local branch and they could not answer what this was about as they saw no unusual activity on the account. In fact the only unusual event was that my opening deposit I submitted online from My XXXX XXXX account entered my Key account but was sent back to XXXX XXXX. After this every electronic transfer was fine and had no issues ( the bank branch could n't explain that either ). 

I 'm more concerned I called the depart I was advised to call and they were unable to provide anymore information than " the account was being closed per the policy. '' How can they close an account with no explination to the consumer? I have a right to know what is going on and why they were taking that action. 

On another note I want answers because my tax refund was paper filed this year due to my wife 's XXXX status and being a first time tax filer. My refund is scheduled to enter the Key Bank account however it will no be closed by the time they submit my refund. This is a problem as I can not change the bank account information after filing and Key will not explain anything to me. I am afraid I will never get my tax refund back at this point.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Patenaude & Felix A Professional Corporation (CA)

I have a levy that was charged agents me back in 2012. I am currently collecting XXXX and XXXX. My bank has taken the levy out on the child support both are direct deposit. They have said that the XXXX is the only money they can not withhold from the levy. I have done some research and it seems that they ca n't levy either. What can I do to get the money back that they have already levied and prevent this from continuing?
Consumer complaint received 2015-10-03
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AES/PHEAA (AZ)

My original debt was included in my 2010 bankruptcy and National Collegiate Trust purchased it anyway. They continued to try and collect despite being notified on multiple occasions that the debt was no longer valid. I wrote letters to XXXX different addresses and included my bankruptcy paperwork. I also told multiple collection agents about the bankruptcy. They recently filed a lawsuit against me trying to collect the discharged amount plus the interest they tact on. Everyone should be aware of National Collegiate Trust. Force them to validate your debt and make them prove they are within the time frame to collect. I wish I had known to do that when I was wasting my time writing letters and telling collection agents this was included in my bankruptcy. They do n't care. I should have reported them a long time ago.
Consumer complaint received 2015-04-22
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: US MORTGAGE CORPORATION (NJ)

Hi and thanks for your time ... we recently refinanced in order to take advantage of the reduced FHA monthly MI premium and move from 5yr ARM ( originated with same lender about 12 months prior ) to a fixed product. The monthly savings are less than {$100.00} but the silver lining was ARM to Fixed. The day before closing I received the following e-mail : XXXXXXXX , Funds to close is $ XXXX escrow return is {$4400.00}. 
Sorry about the funds to close but the difference it is made up in the escrow return. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXOffice : XXXXTollFree : ( XXXX ) XXXX ext.XXXXFax : ( XXXX ) XXXXXXXXXXXXwww.usmortgage.com XXXX $ XXXX at closing to save less than {$100.00} per month is a lot but the promise of the escrow refund made it tolerable. 
A few weeks later the escrow check was received in the amount of {$2200.00} ... big difference. 
We closed XXXX/XXXX/15 and I have been going back and forth with the lender to figure out what happened for the past month and every contact ends with let me look into it and I 'll get back to you ... then nothing until I reach out again. 

We think we were misled and I ca n't say for sure but I do n't know if we would have gone forward with the transaction without the inducement of the {$4400.00} escrow refund. 

Do we have a legit complaint? 

Thanks again for your attention to this matter. Any guidance you can offer will be appreciated. I 'm sick of going back and forth with the lender and then being ignored.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I have a charge off with XXXX that ended XX/XX/2011. The lender is reporting the charge-off every month as a current status known as re-aging which is illegal. Equifax refuses to make the lender comply with the Fair Credit Reporting Act FCRA 623 ( a ) and remove all " CO '' status on credit report after XX/XX/2011. Re-aging causes a negative account to appear more recent. The more recent the charge-off appears to be, the more detrimental to my credit scores. Re-aging also causes an item to stay on my credit report longer which is illegal. The Fair Credit Reporting Act states : " The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. '' I am writing to dispute XXXX on my credit report with Equifax. The amount and current monthly status listed on the account is incorrect. I request the account be deleted immediately for compliance with the Fair Credit Reporting Act and FTC, and Consumer Financial Protection Bureau ( CFPB ) from my Equifax credit report. Both XXXX and XXXX are reporting the account correctly. Please see attached. If you look at the other charge-off accounts you will notice they are not reporting with " CO '' every month. I have highlighted this account and another that is reporting incorrectly. Additionally, I highlighted XXXX, XXXX XXXX XXXX, and a couple of that are reporting correctly so you can see the difference.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AZ)

I have tried twenty times to get my free report from Equifax. They keep saying I am giving them the wrong information even though i absolutely am not. They are trying to get me to pay for the report instead of having to give it to me for free.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX account listed on my Equifax report incorrectly. I 've been disputing the fact that it was ever late, but it was officially paid off in XX/XX/XXXX. When they responded to Equifax with that information, it started reporting 120 Days delinquent in XX/XX/XXXX. That ca n't be possible with it being paid off in full and only negative 60 days once and 30 days XXXX other times. XXXX XXXX agrees with me and says so in a letter that I 'll attach. Equifax refuses to update the record, but the other agencies have.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I recently pulled my reports in XXXX, upon that I found numerous inquiries and fraudulent accounts on my reports. I contacted the Equifax and they told me I needed a police report. I went to XXXX office filed a report. Once I received the report I was told to fax it in to Equifax, XXXX. I was told that the items would be deleted and removed. However upon opening my XXXX bank account, I found out my score was a 401 due to collections from the fraudulent accounts that were deleted. They have been reinserted after being removed. When I called back in XXXX I was told another investigation was to be opened because the company had sent them ( Equifax ) placing the item back on. I then asked to speak to a supervisor he was extremely rude and stated there was nothing he could do because I had to do another disputes. As of yesterday XX/XX/XXXX I sat on the phone being switched from one agent to another then left on hold for 2hours and 15 minutes. Equifax needs a better system if you are a victim of identity theft these companies should have to provide verifiable information that account is properly accessed to the right individual. I would like for Equifax to make these creditors provide accurate information for my reports and if they ca n't delete and remove those items and send a reconsideration letter to my bank saying that it was an oversight on my reports of inaccurate information.