davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (TX)

XXXX and XXXX XXXX sold their condo in XX/XX/XXXX and paid off the mortgage balance in full. On XX/XX/XXXX, Regions, who had the mortgage and has XXXX and XXXX 's checking account with mortgage payment automatically drafted, took out the {$750.00} mortgage payment, even though there is no longer a mortgage, or a condo ( it was sold to someone else, who paid cash ). I called and emailed XXXX XXXX at the XXXX branch, who called and spoke to XXXX in the mortgage dept. First they wanted to mail a check - to the condo, where XXXX and XXXX no longer live - in two weeks. I insisted that was not acceptable, sent emails to Regions customer service, demanded to speak to a supervisor, asked to speak to their compliance dept ( said request was denied ). Finally, when I threatened to call CFPB, they put the money back in, and said they needed to find where it went so it would n't happen again. XXXX, a supervisor in XXXX, XXXX XXXX assured me it would not happen again. I asked for, and received, a letter stating the mortgage loan was paid in full. ( A Release of Lien document was not available yet. ) Now, fast forward to XX/XX/XXXX, and the {$750.00} was taken out again, after spending dozens of hours of my precious time in XX/XX/XXXX and getting an assurance this would not happen again. They are stealing XXXX and XXXX 's money. In addition, the letter states an escrow refund of {$13.00} is due, but apparently they mailed it to the condo that was sold to someone else, so that was never received either. I want Regions to forever stop stealing money to pay a mortgage that has already been paid off, refund the {$13.00} plus a {$100.00} service fee for the inconvenience back into the account ( direct deposit, not a check put in the mail to a bad address ), and I want them fined by the federal government for being dishonest and an absolute hellish nightmare to try and work with. I should not have to spend my time dealing with this.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Dear XXXX, XXXX XXXX XXXX, you have failed to verify and provide accurate information to the credit bureaus, reporting 30 day lates on my account. The burden of proof is on you to provide documentation that this account was late if you are not able to provide documentation that shows the account has been reported late, I am requesting a deletion. Per the federal law FCRA, XXXX have 30 days to provide this information 30 days allotted by FCRA.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2017-11-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ACS Education Services (OH)

I have called ACS multiple times over the past year to see if there was anything I could do to lower my monthly payment on my private student loans. I have been told that all options have been exhausted and there is nothing they can do unless I default on my loan. I have explained that I will not default and I do n't want to be in deferment or forbearance, I would simply like to find a way to lower my monthly payment and pay a little less per month. 

I am paying {$1000.00} per month ( {$260.00} for federal and {$730.00} for private ).
Consumer complaint received 2018-01-03
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, USA XXXX RE : Disputed Account Notice to Furnisher XX/XX/XXXX Item was removed and added again! 
XXXX 
Dear Sir or Madam : I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 
I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
Identity Theft Report Proof of identity Notice to Furnishers of Information
Consumer complaint received 2017-11-07
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: Bread Financial Holdings, Inc. (NC)

I have not used this card since XX/XX/XXXXbut charges keep popping up. I mean THOUSANDS of dollars. I made a huge payment on XX/XX/XXXX and then the fraud started on XX/XX/XXXX. I have disputed all of them! The ones that happened in late XXXX and early XXXX were credited to my account and they stated they would stop the card and send me a new one. I never received it, and I notified them. And guess what, MORE charges appeared. I have disputed them. Now they are telling me that they are all my fought since the card is in my name. WHAT!?! Can you please help with this? All I want to do is have the fraud charges credited to my account and the finance charges corrected. I just want to be done with this company!!!
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Applied Business Services, Inc. (GA)

My wife and I were living at XXXX XXXX XXXX XXXX XXXX, SC XXXX on or about XX/XX/XXXX I suffered severe medical complications causing us extreme financial hardship. We no longer had the financial means to maintain this property and no ability to utilize any of the services and/or memberships associated with the property. We ceased our memberships associated with the property, including the Signature Full Golf Membership releasing us from any on-going membership fees associated with the property and Golf Membership fees, also this property was subsequently reclaimed by the bank and resold to new owners in XX/XX/XXXX. Applied Business Services , Inc is a collection company working for XXXX XXXX XXXX XXXX XXXX XXXX, they sent me a billing statement in the amount of {$120000.00}, this statement shows on-going billing for this membership up until XX/XX/XXXX. I 've contacted the Collection Company and XXXX XXXX multiple times pertaining to this matter and they have been unresponsive and placed a negative posting on my credit reports in the amount of {$120000.00}. I 've tried disputing this account with the credit bureaus and they continue to verify this account as accurate and correct.
Consumer complaint received 2017-11-07
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LAW OFFICE OF JOHN E. LINDNER P.A. (DC)

XXXX Attorney XXXX XXXX rep XXXX XXXX called my place of employment and spoke to my Supervisor XXXX XXXX XXXX  she was verbally abusive and rude, when I picked up the office phone she had already hung up.
Consumer complaint received 2017-11-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pacific Credit Exchange Corporation (CA)

To whom it may concern, This is to detail my accounts of what happened this afternoon when I called into Pacific Credit Exchange to speak to a supervisor. 

My name is XXXX XXXX. I called initially XXXX/XXXX/XXXX to Pacific Credit Exchange to speak to a supervisor of an employee XXXX XXXX ; Ive called several times between the time of my missed payments and XXXX never returned my calls and each time have been spoken to in a derogatory and insulting way. I was told to hold and was patched into XXXX XXXX. When he answered the phone I gave my name and stated I needed to speak to a supervisor. XXXX processed to insult me and the amount of money I made a payment for and continued to speak unprofessional, and yell at me. When getting off the phone I called and asked to speak to the a supervisor I was informed that XXXX was the owner and he would be back at XXXX. I was told that they are a small company of no more than XXXX employees and when I asked to speak to someone above XXXX XXXX. When I called back to voice my concerns over the unprofessionalism of XXXX XXXX I was then yelled at, over talked, disrespected and never once was assured that the way I was spoken to in regard to my debt was acceptable. XXXX over talked me and aggressively stated it was my problem and he was no longer dealing with me he was sending it to a lawyer and hung up in my face. 

My attempt was to make payment today and in regard to that I was never given the opportunity to do so. Instead I was insulted, disrespected and told how much money I couldnt afford the first time I made my payment. My initial concerns were to discuss the manner in which I was spoken to. I was now informed that legal action is now being taken against me for the debt by XXXX after he hung up on me.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

I opened a Citi Diamond Preferred credit card with a credit line of {$3700.00} with {$1200.00} available for balance transfer ( 0 % for 19 months ). I activated the card by phone, and set up a user name and password online, and indicated I would be interested in a balance transfer to XXXX XXXX. On XXXX I set up a {$1200.00} balance transfer to XXXX XXXX for mid XXXX, but had a {$980.00} airline ticket refund, so immediately called back to CitiCard to cancel the {$1200.00} transfer and initiate a {$270.00} transfer to pay off the remaining XXXX XXXX balance. Following this, I checked on line through chat service and many times looked at my transaction lists to make sure this was processed correctly, even called back to make sure the {$270.00} would clear in time. 

In a surprise to me, on Monday XXXX CitiCard processed a {$1000.00} balance transfer to XXXX XXXX, giving me a negative {$1000.00} credit limit with XXXX XXXX. I called on XXXX to CitiCard to ask what this {$1000.00} balance transfer was, and was told I iniated this on line. I asked how I couldnt be informed of this when I called, and how was I allowed to do redundant transfers to the same company, and how this {$1000.00} transfer did not even show up on my transaction list as pending ... They had no answers, and XXXX badge XXXX told me they must have assumed I knew, and I should call XXXX XXXX to refund. Bottom line, CitiCard withheld basic account balance information from me on multiple occasions and allowed for redundant balance transfers. This was very poor customer service and a complete waste of time.
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC (FL)

We received a letter in the mail regarding a debt with XXXX XXXX from American Coradius International LLC. That debt was paid last year, however since we did n't realize about it and we " trusted '' the letter, we accesed the online payment option which was only able to be paid with debit card or check. " The debt '' was paid with debit card just to avoid any issues, however we realized something was wrong. We called this company, they couldnt provide ANY information about it, their verification procedure was none, they said their system was down and will call back whenever the system gets back. There is only one guy answering the phone ( from a collections company, pretty strange ). Several calls after they got me to a " supervisor '' that could n't tell us ANYTHING about the debt. They did not want to return the payment and said that we should call the card to dispute the charge, but since it is debit, the money is already gone. 
We are furious. We wish that someone goes after them and uncovers the truth. There are many people reviewing the company fake online as a scam. Looks like that company also violated many collection laws.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I have notified the bank on numerous occasions that the account is not set up for debit card overdraft protection they do not even provide this service as an option for a business account according to their website. 

They continue to provide this service and continue to charge me fees.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (MI)

I have noticed some one has applied for credit cards instead of me to XXXX XXXX and chase bank on XX/XX/XXXX and XX/XX/year>. There was XXXX frauds. I have noticed that my credit score has dropped XXXX scores.
Consumer complaint received 2018-01-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC (AL)

On XX/XX/17 around XXXX XXXX a Co Worker contacted me that ERC had contacted him about a debt they say I owe. I immediately contacted ERC and spoke to an associate named XXXX. I expressed to him if he had a debt with me send a written letter to my address. The guy he contacted was not even in management and was at home for the holiday break.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NJ)

The Card company ( Netspend ) has been taking money out of my accounts with them and when I try and dispute the issues they claim that I used the Card at previous stores then they told me to file a dispute claim with there online system and that I would have to wait 10 business days to get the money back to my account. When the 10 days had passed Netspend claims that there was no issue every time I made a dispute about any of the issues they never fixed it when I would see it on the online account portal they would remove it and there would n't be any traces of how they were taking out the money from my account. They claim that this is n't true but this is what happened. When I called there customer service phone number this morning to find out why my account had been locked and why my paycheck had n't been received yet the representative stated to me the account had been closed out yesterday afternoon at XXXX central time when I asked who closed the account the representative replied their risk department. I stated to the representative that I did n't request for my account to be closed and he stated to me that I am no longer eligible to receive or have a Netspend account and he kept repeating the same thing for an hour when I requested to speak to a supervisor the representative repeated the same thing telling that I am no longer eligible for a Netspend account and that the risk department closed my account without my knowledge or consent and when I asked the representative about what suspicous activity was going on with my account he would n't say and he kept repeating the same thing telling me that I am no longer eligible for any Netspend account and then I requested again firmly to speak to a supervisor he took an hour to connect me to a supervisor and the supervisor never picked up I was on hold for three hours and no one picked up no one resolved my issues they have been taking money out of my accounts for almost a year and this is a huge hardship because I have bills to pay for and a child to take care of. I ca n't by food for my child or my self. I ca n't even pay for transportation to and from work or even emergencies.
Consumer complaint received 2017-11-07
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Recovery Systems (KS)

on XX/XX/XXXX Midwest recovery placed a collection on my XXXX report. I disputed the item with the credit agency, the consumer financial protection bureau and the company. I asked the company to provide me a historical payment history and the original contract terms. the company refused. XXXX gave the Midwest recovery systems 30 days to respond to my request or the item would be deleted. Midwest recovery never responded to the request from XXXX  and the item was deleted from my credit profile. On XX/XX/XXXX, Midwest recovery systems illegally re-aged the collection account and reentered it again on my credit report with out notifying me of the new collection effort. Midwest recovery systems has called my job and asked for my personal information. Midwest recovery systems has also contacted my father and threatened to have me arrested if i did not pay this item. I am being harassed by this company and i would like some action to be taken.
Consumer complaint received 2018-01-18
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: Jon Barry and Associates, Inc. (NC)

Hello The company XXXX XXXX XXXX is claiming falsely that I have a collection account in the amount XXXX account # XXXX XXXX XXXX   XXXX XXXX NC XXXX phone # XXXX
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Dear Sir/Madam I transferred XXXX to Coinbase a cryptocurrency platform. On XXXX-2017 from my XXXX bank account XXXX. The transfer payment ID is XXXX. I have transferred the payment using SEPA. 

I emailed coinbase several times but their reply is very generic saying that we have escalated your case and afterward no response. According to the company, my transferred payment should show in my coinbase account in 10 business days but almost a month has been passed now. 

I am in dire need of my funds. Currently, I am a student in the XXXX at the moment and is suffering from XXXX conditions. I need to pay my hospital bills as I am an XXXX XXXX I dont have access to free healthcare. 

I have written to coinbase several times but no avail. I want to cancel my transfer order and want my money back in my bank account to pay the bills. I have also written to coinbase CEO XXXX. My case was escalated two weeks ago and still no follow up.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this message finds you well. I am reaching out to follow up on the complaints I submitted to your attention regarding discrepancies on my credit report. As of today, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I am eager to inquire about the current status and any progress made in addressing the issues outlined in my previous correspondence. Below are the specific items that I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-01-03
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. (TX)

I initiated a dispute with Equifax in XX/XX/XXXX regarding a derogatory remark indicating a past due amount of {$58.00} with a medical facility in XXXX Texas. This past due bill was paid in XX/XX/XXXX/XX/XX/XXXX. 

I received an email telling me that my dispute had been completed ; however, when trying to access the information, the 'system ' would not let me in. I called Equifax on two occasions ... the most recent call being today, XX/XX/XXXX. 

I shared my concern with a female employee who told me only that the dispute had been completed but she would n't tell me the outcome. She transferred me to XXXX and he told me that I had called the wrong number and to call XXXX between XXXX XXXX and XXXX XXXX. I called the number at about XXXX XXXX and, through an automated system was told that the center was n't open and to call between XXXX XXXX  and XXXX XXXX! 

I check my credit score routinely. Currently, it is XXXX with XXXX and XXXX with Equifax. While many might view this as insignificant, I do not. I am concerned about Equifax 's information coupled with the gap between the two agencies. I am also concerned about the lack of customer support/customer information provided ( or not provided ) by Equifax. 

I appreciate any aide from CFPB. I can be reached via email to XXXX or by phone to XXXX. 


Regards, XXXX XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX # XXXX