davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hunt & Kahn, P.A. (FL)

I received a letter from Hunt & Khan, P.A. located at XXXX XXXX XXXX in XXXX, FL XXXX claiming to be debt collectors. The letter has no Case File number or Reference numbers and states that their firm was retained by XXXX XXXXXXXX XXXX XXXXXXXX to collect a debt I owe, {$1800.00} to XXXX, XXXX. To the best of my recollection I do not owe anything to XXXX . I checked with XXXX and XXXX and the alleged debt does not show up on my credit report. The letter supplies 2 telephone numbers, one with a local exchange ( XXXX ) and the other a toll free exchange ( XXXX ). On XX/XX/XXXX I called using the local number and spoke with a XXXX XXXX XXXX at XXXX regarding the letter I received. Of course he claimed I owed the money and asked if I was ready to pay. I told him I was n't and asked about a settlement. XXXX XXXX told me he had to check with his client and told me to call back the next day. I called back twice on XX/XX/XXXX using the toll free number and the extension given but got no answer. A few hours later I happened to look at my phone and noticed a toll free call to a number identified as XXXX XXXX. I have no business with XXXX XXXX. When I checked further the toll free number on the collection letter is the number the caller ID is identifying as XXXX XXXX. I do not believe I owe a debt to XXXX but I do believe that something smells rotten here. Please help, thank you.
Consumer complaint received 2018-01-12
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (WA)

I have a mortgage with Freedom Mortgage. They are incorrectly reporting our XXXX, XXXX payment as late, even though the payment was made on time. 

On XXXX XXXX, XXXX, Freedom Mortgage was notified that I was in a Chapter XXXX bankruptcy. They suspended our ability to make payments online, so we were forced to mail a check into them. They did not receive ( or process ) the initial payment we mailed on XXXX XXXX, XXXX. They finally deposited the second check we mailed on XXXX XXXX, XXXX. They failed to process our payments in a timely fashion, which is causing a 30 day late payment on my credit report. 

Here is a summary of the charges on our statement. 

XXXX/XXXX/XXXX Payment Received ( {$2300.00} ) Detail XXXX/XXXX/XXXX Payment Received {$3.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail ( For XXXX XXXX, XXXX ) I have been asking for an explanation on this and they have failed to provide me with why the first payment was not deposited and the second payment was not credited properly, allowing the account to go over 30 days late. 

Furthermore, their online system is currently saying we are due for XXXX XXXX, XXXX, so we are not as late as they are reporting on the credit bureau.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MS)

When I first started the account with Wells Fargo. I had no problems making the due date for the credit card. At first, Wells Fargo stated my payments would be changed. I responded by asking Wells Fargo for help by changing the date for payments back to the original due date. Wells Fargo could not comply and stated the due date for the bill would change. The due date was changed from the third week of the month to the first week of the month. In response to its request, I moved my payment dates at XXXX XXXX  to the first of each month. Despite the change to the earlier delivery date, Wells Fargo charges me {$31.00} in late fees making it almost impossible to pay off the balance monthly.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I signed up for Coinbase, thinking that it would be a good idea to start investing in stocks and cryptocurrency was mentioned by many people suggesting that I and others should start investing. I went ahead and signed up for Coinbase at the end of XX/XX/XXXX. On XX/XX/XXXX I invested small amounts, XXXX totaling in {$20.00}, XXXX totaling in {$10.00}, XXXX totaling in {$15.00} ( one {$5.00} was on XX/XX/XXXX and the other 2 were XX/XX/XXXX ) and XXXX totaling in {$10.00}. I let the money sit and I had planned on keeping the money in those accounts to hopefully grow, but I had run into some personal life situations to where I need money to keep afloat, granted I do n't have much invested but anything is better than nothing. On XX/XX/XXXX I proceeded to withdraw the money I had in all 4 accounts to put into my XXXX XXXX, which totaled out to be {$40.00} after they took out fees. I withdrew {$14.00} in XXXX, {$6.00} in XXXX, {$13.00} in XXXX and {$6.00} in XXXX. Afterwards, I went to withdraw the money to my bank. At first it showed my debit card, but it would not let me click it to withdraw into my bank. I look for my bank in the options, it is nowhere to be found. My bank does not have an XXXX number, and I have sent in a request as well to get my money back but it seems like they just scammed and stole my money and I want MY money back.
Consumer complaint received 2018-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I spoke with TransUnion on XX/XX/XXXX and spoke with a US representative to correct unauthorized inquiries on my credit report. There were inquiries removed during the breach of XX/XX/XXXX and XX/XX/XXXX that were reinserted. I DID NOT receive a written 5 day notice informing me of the breach or TransUnion reinserting the inquiries. The representative told me that I am not required to receive one for inquiries. This is a Violation of the FCRA. TransUnion can not continue to violate my rights.
Consumer complaint received 2018-01-12
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. (MO)

I had a total of ( 3 ) three student loans. According to my credit reports they are showing ( 6 ) six student loans, which makes it look as if I owe way more than I do and also shows late payments with all of them. All ( 6 ) six of them are showing different data with each credit bureau. I have disputed the loans for incomplete/inaccurate data. The credit bureaus just keep coming back as updated information. Nothing changing, Still showing ( 6 ) six student loan accounts when there were only ( 3 ) three. There are three ( 3 ) listed with Dept of Ed/Nelnet and, three ( 3 ) listed with US Department of Education. The two different named sets of companys are both reporting the same three ( 3 ) accounts.
Consumer complaint received 2018-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX, I tried to sent {$700.00} to my friend through PayPal. However, after I completed the transaction, I found out it sent out as eCheck, instead of instantly transfer. So my friend cancelled the eCheck transaction right away, which was at a pending stage. I thought I did something wrong, so I repeated this transaction four times. Everyone of them showed up as eCheck and was cancelled right away at the pending stage. I was confused about the issue and contacted customer service. He told me that since I cancelled, nothing will happen. The reason of using eCheck is cause by my bank. So I contacted my bank, they suggested me wait another day. The next day, I tried twice and showed up as eCheck as well. I found strange and checked my bank account. 
All those transactions was PLACED on my bank account. Eventually, all those six eCheck transactions that I made and cancelled, are hitting my bank account. 
They do refund my transactions, but the problem is I was charged overdraft fees SIX times due to the eCheck transactions. 
I contacted the customer service and the supervisor. The supervisor XXXX said, in order to cancel eCheck, you have to contact the bank, which was my first time hear that. She also said I should let my bank waves the fee. How my bank supposed to know my cancellation activity on PayPal? 
I strongly believe that PayPal should be responsible for all my overdraft fees due to the following reasons : 1 ) On their Help Center Page or Terms, they didnt state sender needs to contact the bank to cancel eCheck even at pending stage ; https : //www.paypal.comXXXX XXXX https : //www.paypal.comXXXX  2 ) sender will not realize they are using eCheck until the transaction actual placed ; 3 ) When the cancellation happens, there is not warning or instruction for both sender and receiver that indicates official cancellation need to process through the bank. There are two transactions even pulled out from my bank account and become my PayPal balance. 
4 ) the last but not least, when the first time I contacted the customer service, after my four transactions, he didnt tell me anything about contacting the bank to do cancellation. If he did, the situation may be different.

Additionally, when I contacted the customer service, 2 representatives just being silent, and said nothing but there is nothing we can do or pushed my to go my bank. They made me sound like someone being irrational and ridiculous. 

In conclusion, my issue was caused by PayPals terrible customer service, lack of information, and poor instruction. If they did something on any parts above, my situation may be avoided. So I think they should apologize and cover the overdraft fees from my bank.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

I'am the XXXX XXXX of the XXXX XXXX tried to send {$400.00} to western union, however the name of the recipient was not the same as on the I.D., so i was trying to change the name using WU application " Western union cares complain '' from XXXX, which seemed ill be legitimate of those apps.I give my details to provide the transfer, I thought it was a genuine WU.I give my wife details and as a result, someone was able to collect the cash with a w rong provided ... .It was happen last XX/XX/XXXX i send the money and received by the unknown person XXXX XXXX ,2017.
Consumer complaint received 2018-01-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/XXXX received a letter from XXXX XXXX XXXX XXXX PA. XXXX XXXX office address is XXXX XXXX XXXX XXXX XXXX Fl XXXX. Office number is XXXX his email is XXXXXXXXXXXX. That Suntrust bank has put my account in collections.No Demand letter or Notice. He is a debt collector law firm. SunTrust Bank Acc # XXXX. My XXXX XXXX SunTrust Equity Line. XXXX XXXX XXXX XXXX & SunTrust Bank have n't sent me anymore Statement since XX/XX/XXXX. On XX/XX/XXXX sent By USPS Mail sent to XXXX XXXX Debt Collector to XXXX XXXX XXXX XXXX XXXX Fl XXXX. Client SunTrust Bank Acc # XXXX last 4 digits To XXXX XXXX & XXXX. Wrote them that I am a federal office on file in the state of XXXX XXXX ( 9 ). XXXX XXXX XXXX is my boss Commissioner in XXXX Fl. State lic # JF XXXX. Gave him all the contact of my Business attorney XXXX XXXX licence in debt in XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX & his office phone number. All Contact goes to him. In XXXX XXXX put my home at XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Office # XXXX for sale. Had a buyer all he has sent is Pay-Off receipt on XX/XX/XXXX from XXXX XXXX XXXX email of {>= $1,000,000}. I need SunTrust Equity line Statements for my CPA to file federal income tax to IRS for year XXXX and how much interest I paid in year XXXX. My First Mortgage XXXX Mortgage Loan # XXXX has sent one every month. Cant sell my home or do my tax 's without those Statements of XXXX to XX/XX/XXXX & XX/XX/XXXX. How much Interest I paid. I file early so I know how much I have to pay in XX/XX/XXXX. I am a Small Business Owner Company Name is XXXX XXXX XXXX. Please help me get these statements so I can sell my home & can give my paper work to my XXXX XXXX. Do n't want to get in trouble with IRS. I need to have this Equity Line Statements XX/XX/XXXX & XX/XX/XXXX to give my paperwork to my XXXX & XXXX. My XXXX XXXX has a lot of clients & run a bar in XXXX XXXX Fl. I will lose the buyer soon if I do n't get proof of SunTrust Equity Line Statement the one from Suntrust Bank to see if the amount of pay-off is right the one is XX/XX/XXXX amount is different {$24000.00}. Made my last payment in XX/XX/XXXX. Working 2 jobs now had XXXX XXXX in year XXXX. That is why I got behind in my payments. Have medical documents & paperwork to prove this mess. Please HELP me with this Debt Collector Atty. I shouldnt have to ask several times & send his emails and call my attorneys office. Sincerely : XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-01-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accelerated Financial Solutions, LLC (TX)

Upon receiving a letting in the mail. That they had purchased a debt that had already been removed by the FTC regulartor, I immediately called the company to let them know the debt was not valid. They provided no help or resolution to removing the item from my credit file. I came to consumerfinance.gov to get the information to them in writting. I forwarded to them the information proving that the item had been removed, and that they should cease all attempts to collect this debt including reporting to the credit companies. I received this response from the company '' Accelerated Financial Solutions , LLC received and reviewed the complaint submitted by customer. We understand that Mr . Customer is disputing the account. We have asked the original creditor to provide us with the supporting documentation regarding the above mentioned account. In the meantime, we are requesting the credit reporting agencies remove this trade line and we will cease all activity on this account while we investigate this matter. Upon completion of our investigation and receipt of any supporting documentation, we will provide you with a copy of all material we receive in whatever fashion Mr . Customer would like ( email, fax, etc ). 


If you have any questions, please call us at XXXX. Our office hours are Monday through Friday XXXX EST. 

I removed my name from the above response. 

This debt appears on my XXXX credit file. Accelerated never sent me any information, as they said they would. And are now reporting to my credit file. This is contrary to what they said they were going to do. 

The original debt had already been removed from my credit file. They purchased the debt after the original debt had been found to be not valid. This is in clear violation of my rights. This item must be removed. From all credit files. 

I did everything I am supposed to do to protect myself, but accelerated violate my rights.
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is a third class bank Recieved a call from XXXX XXXX 10 days ago and she said she we will solve the problem together. 

She sent me an email which mentioned that I will not be able to reply to the email but can call her on the number provided, I was not able to call her on the number provided from my regular phone, had to borrow a long distance calling phone from my friend, I called XXXX at least XXXX times, left her ample amount of voicemails but there is no response from her side. 

Bank of America is not solving my problem, from last XXXX week I am trying to file a fraudulent claim of {$410.00} which was charged on my card ending in XXXX on XXXX/XXXX/XXXX, I spoke with XXXX different supervisors ( XXXX was XXXX ) and with XXXX others on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX respectiely. XXXX told me that this claim was filed, but it was never filed. Bank of America has very unprofessional, unfriendly staff. XXXX supervisor says something and the other XXXX says something else. Please solve my problem and ask Bank of America to give me a credit of the charge I never made. thanks
Consumer complaint received 2017-10-07
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)

several attempts have been made through mail and fax for Equifax to update the spelling of my name, I 've sent my drivers license and voters regristration and they still refuse to correct the spelling and update my report. My name is not spelled XXXX it is XXXX and it seems like no matter how many times I send them the info they do nothing. 2nd I have credit monitoring on my phone which alerts me when there are changes in my credit report and score, on XXXX/XXXX/XXXX I recieved an alert and checked and saw that a collections was removed from my credit report ( XXXX XXXX ) and lucky I took screen shots just in case issues like this happened, on XXXX/XXXX/XXXX I recieved an alert, Equifax added the collection back on to my report with no prior notification, no anything, I was down to XXXX collections and now I have XXXX. Last it took them over 30days to respond back to my letter that was sent over a month ago. Photos are I closed when they removed it and then added it back
Consumer complaint received 2018-01-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Submitted a validity of debt to the company ( Capitol one ) no response in mid XXXX XXXX no reply. Submitted another letter no reply. No reply to even find out about the debt and possibility of settling it since it 's charged off and closed
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for capital one credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX XXXX showed that all three credit cards where added to chapter XXXX bankruptcy I then called XXXX to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since capital one was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all XXXX credit cards have been added back to XXXX and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened XXXX other cards to restablish credit now there is a total of XXXX cards that I can not pay for.
Consumer complaint received 2017-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

On XXXX/XXXX/XXXX three ACH transactions were presented against my checking account : $ XXXX $ XXXX {$5.00}. Normally, and as long as I have banked with Chase since XXXX, ACH transactions show on the account as processing on the day they are presented. In the even I dont have enough funds in the account, Chase sends me an email notifying me of the negative balance and I make a deposit to address the issue. This time, however, for the first time is over 5 years, those ACH transactions never showed on the account as pending. I checked my account around XXXX XXXX on XXXX/XXXX/XXXX and my balance was {$8.00} and change. On the morning of XXXX/XXXX/XXXX I receive an email stating that those 3 transactions had posted the previous days and that I had been assessed 3 {$34.00} NSF fees. I called XXXX and after being verbally mistreated by two supervisors, I was refunded 1 fee. Another one was refunded via XXXX. 

My problem here is the way Chase processed the ACH transaction. Electronic transaction normally show on the account the day they are presented, and its been like that for the last 5 years. Only paper checks show on the account the next business day. CHASE shields itself behind the consumer agreement, but the reality is that this a occurred due to a glitch in their system. Granted, I did not have the funds on the account, but if those transactions would have been processed the way ACH transactions are normally processed, than I would have had an opportunity to make a deposit before XXXX XXXX et to cover them. All I want is chance to refund that 3rd NSF fee they assessed in bad faith and to be clear as to how ACH transactions are processed. I intend to to take this issue to court if I have to.
Consumer complaint received 2024-10-09
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. (GA)

I'm submitting a report to the CFPB against Experian credit bureau for failure to properly investigate my dispute regarding XXXX XXXX XXXX over an incorrect entry on my credit report. The report incorrectly lists a debt of {$14000.00} that I do not owe. I requested proof of my signature to verify that this debt is mine, but XXXX XXXX XXXX has not provided signed documentation and has failed to remove the erroneous entry from my credit report. This lack of action has negatively impacted my credit standing.
Consumer complaint received 2017-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

I pruchase a years insurance with Original creditor : XXXX XXXX XXXX XXXX paid for a year upfront then XXXX months later they billed me for more i called them told them i paid the amount on my bill for a year they have no agreement with me for addituinal insurance but stil try to bill me for something i did not agree to then they cancel the insurance i paid XXXX XXXX for XXXX year and sent the additional bill for XXXX dollars witch i never agreed to now it shows as a bad debt on my credit report i never agreed to this or did i ask for more insurance they have not agreement or sign contract theat i sign for or agreed to in any form