davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (VA)

In XX/XX/XXXX, I received an alert from all three credit reporting agencies that an item was placed on my credit. Upon investigation, it was evidenced that Midwest Recovery Systems of XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, MO XXXX, reporting a collection matter of $XXXX to the various credit reporting agencies on XX/XX/XXXX. The original creditor's name on the collection matter is XXXX XXXX.On XX/XX/XXXX, I contacted Midwest Recovery Systems and spoke with Mr. XXXX XXXX to obtain clarification of the item placed on my credit, as I received no prior calls or letters from Midwest Recovery about this debt, giving me the right to dispute or understand the claim. I was told by Mr. XXXX XXXX that they spoke with me in XX/XX/XXXX, for which I have no knowledge of, and I made him aware that I had no memory or recollection of any discussion with Midwest Recovery about this debt. I have received strange threatening voicemails with disguised voices, which I have ignored and for which I cannot say the origin of these calls, but I have not spoken to Midwest about this debt.Mr. XXXX XXXX informed me that this matter is about a payday online loan obtained from XXXX XXXX around XX/XX/XXXX and became delinquent in XX/XX/XXXX. While I do recall using XXXX many years ago, I have not heard from XXXX or any other collectors about a balance owed, and a request at this time is extremely strange. XXXX  debits and take monies out of your account to settle your obligation to them. Also, I believed this debt was settled.I asked Mr. XXXX XXXX to provide proof of an outstanding balance and how this was determined, as I have no records dating back to XX/XX/XXXX. He made me aware that he has no obligation to provide such information and that I should contact my bank to provide me with statements. My account has since been closed. Even banks statements by themselves would not tell but would only show that XXXX debited my account excessively with high interest amounts. A statement of account showing original loan, terms and repayments, plus any add on fees equaling the balance would help.I was recently informed that such loans are not legal in Virginia and the loan is void. I believe XXXX and Midwest Recovery Systems is fully aware of this situation. XXXX and or Midwest Recovery Systems should provide proof that this loan isn't void, and until documentary proof of a debt and that the loan isn't void, I don't think they should be putting this on anyone's credit report.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (RI)

My credit card has been locked by citi. The fraud department has not given me a clear answer as to why that is, and now wants me to wait WEEKS and submit proof of my social security number by filling out a form. During this time, I will be unable to use my credit card. 

I am attaching my passport, my license, a copy of my federal tax return from 2016, and a XXXX issued by XXXX XXXX. I have misplaced my social security card, and it will take work for me to get it replaced.
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MN)

this is an attempt to try and illegally collect a debt that is no longer eligible or owed for the following reasons. 
The account itself has aged out since it has actually been previously REMOVED from my report. 
I have not received any letter of reinsertion ever for this debt. 
You CAN NOT just claim a debt again once it has expired to restart the clock on it!
Consumer complaint received 2018-01-05
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. (CA)

There are items on my Equifax report that are not accurate and is preventing me from having a XXXX FICO score. The following include : 1. Negative Account Information : XXXX Card that dates back to 1987. This should have been removed from my profile. 

2. I have been borrowing money for the last 30 years with the bulk of the borrowing coming in the last 5 years and still events from 30 years ago are factored into the FICO score.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

ON XX/XX/XXXX BANK OF AMERICA ILLEGALLY DEBITED XXXX FROM MY CHECKING ACCOUNT FOR TRANACTIONS I HAD PREVIOUSLY DISPUTED AND THEY HAD CREDITED ME FOR ONLY TO TAKE BACK THESE VALID TRANSACTIONS I HAD DISPUTED. I HAD SUMBITTED PROOF AND THE BANK MANAGER HAD VERIFIED THAT MY INFORMATION IS ACCURATE. THIS IS DISTURBING AND BANK OF AMERICA IS ENGAGING IN UNETHICAL AND EGREGIOUS BANKING PRACTICES.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

I have purchased my {$400.00} bitcoin from coinbase wchich I suppose to receive by XXXX XXXX 2017 but transaction is still showinng pending and have not received aything yet. I send tons of messages to them but they did n't reply and also created many support ticket but nothing happened. Can you please help.
Consumer complaint received 2018-01-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Home Loan Center, Inc. (AZ)

i am very disappointed with the banking industry..i feel completely disregarded and completely discriminated against because i live on a XXXX income. i have tried via numerous places including XXXX XXXX XXXX XXXX here in AZ to get a personal line of credit in order to pay off all my bills, they have refused me with no really good reason but to use my credit score as an excuse to deny me. I have also tried an online " XXXX XXXX '' and they also refused to give me a home equity line of credit '' also using the same excuse. I pay my bills each month regardless and all i wanted was to obtain money so i can replace my carpet and do some home repairs as well as pay off all my bills once and for all. NO ONE WANTS TO GIVE ME CREDIT. I HAVE PROVEN MY CREDIT WORTHINESS VIA XXXX LEASING CREDIT FOR 4 YEARS AND THEY TOO, REFUSED TO ALLOW ME TO BUY OUT MY XXXX XXXX WHICH I NEVER FALTERED A PAYMENT ON. IF THAT IS NOT DISCRIMINATION, I DO N'T KNOW WHAT IS. I HAVE 100 PERCENT EQUITY OF MY HOME AND I DESERVE SOME KIND OF RELIEF WITHOUT BEING FORCED OR PRESSURED TO EITHER FILE FOR BANKRUPTCY OR SETTLE FOR A DEBT RELIEF COMPANY WHICH ALSO WANT UP FRONT MONEY..I CAN NOT KEEP COMPLAINING ABOUT THESE ISSUES MORE THAN WHAT I HAVE DONE ENOUGH WITH THE CFPB BUT NEVER GET RESULTS OR HELP. WHY IS THAT?
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NV)

Attempted to cancel my account on multiple occasions in the last 6 months. I experienced hold times in excess of one hour and was never connected with customer assistance. E-mail to customer assistance never received a response.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I had a XXXX XXXX card for over a year. And have had nothing but issues with this company. The first time I went on to make a payment it was fine. Second time, my payment just disappeared. I had a screenshot that said I scheduled the payment and the amount was pulled from my banking account. But nothing showed up on the XXXX account for payment so they charged me a late fee. I called and got it sorted but it took almost 3 hours. Then! The next time I went to make a payment I had done a in store return so it shouldve showed up as a credit on the account. So when the refund posted I went on at the end of the month and scheduled the payment ( the remaining balance ) for the due date. Which was like the XXXX of the following month. So I thought I was done. That amount was pulled from my checking account and I never got a call or email or letter from XXXX saying I had a balance on my account. And I knew it was at XXXX because I paid it. Well 3 months later I get a text saying my account was being sent to collections in 3 days if I didnt call and make a payment. So I called and they told me that I hadnt made the last payment on time so the account was charged a late fee. And because I never paid that late fee they charged another. And so on like that for 3 months. And on top of that there was like 3-4 misc charges for different amounts on my card. When I called to dispute it because I had scheduled that first payment well in advance so there shouldnt have been any late fees. The rude guy on the phone told me that even though I scheduled the payment in advance, since the due date was on a weekend it didnt post until the following Monday and thats how a late fee was accrued. Which is ridiculous. We argued. And the guy on the phone said if I paid {$35.00} late fee he would wave the rest and it wouldnt be sent to collection or be reported to credit bureau and affect my credit score. Well guess what! Few weeks later a get an alert that there was a ding to my credit because of missed or late payments. It affected it by like 40 points. So Im reporting XXXX credit card for charging me wrongly, lying and for the fact its illegal for companies to charge late fees to people if dues dates fall on non business days
Consumer complaint received 2018-01-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Southern Auto Finance Co (FL)

In XX/XX/XXXX had an accident XXXX XXXX XXXX financed by Safco was a total loss.This was report to Safco by my insurance in XXXX XXXX I had been trying to contact with no luck sent from person to person left messages on answering machine no call backs.my insurance had very hard time communicating and receiving documents back from these people.Then in XX/XX/XXXX I became upset with XXXX help located email for them we had been trying to reach up until them.they accepted a settlement which had to be redone because of poor job Safco did they misplaced paperwork now trying to charge me extra fees on top of settlements from XXXX and gap and my rwarranty refunds these took care of full balance owed on vehicle. After They tried to charge me over {$5000.00} I filed complaint with BBB because I m being XXXX XXXX XXXX quickly calls in response and rudely tells me that I still have loan with them and I need to pay XXXX I 'm filing this because there statement to bbb was that their making adjustments and I need to contact them.Any extras are their own fault poor processing of this claim.My acct # XXXXim attaching time line of communication shows how hard it was long they waited to respond.My gap insurance had the same problem. XXXX tried to help as much as possible.But Safco is just a ripoff company trying to get extra fees this company tend to do this when contract is ending.I need to know why I 'm being double charged fees.Also they reported this to credit bureaus. I disputed it but Safco continues reporting late payments.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I checked my balance late XXXX on XX/XX/XXXX, my balance was XXXX dollars plus change. The morning of XX/XX/XXXX, I checked my account to find the balance much lower. I checked my transactions to find I had been double charged for the following purchases. 
XXXX : XXXX, XXXX, and XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. These amounts were again deducted from my balance and total XXXX. I called my bank, Capital One, and they explained a glitch had occurred and it would be fixed by the next day. Later on that same day, I made a deposit of XXXX at Capital One Bank. After the glitch was repaired, my balance was much lower than it should have been. I was expecting to see a balance of about XXXX and the account showed XXXX. These transactions came in overnight, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I spoke to customer service and a manage by the name of XXXX at the bank 's XXXX number just to be told the bank was correct. Obviously I do not agree. My balance of XXXX, deposit of XXXX and elimination of XXXX double charges minus the XXXX overnight charges, my balance should be greater.
Consumer complaint received 2018-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Have you tried to resolve your complaint with anyone? : Yes Describe your complaint : I have XXXX XXXX XXXX I diagnosis in the month of XX/XX/2018 my XXXX XXXX   was started on XX/XX/2018, I am not working since that time I was behind on my MORTAGE payment XX/XX/XXXX XX/XX/XXXX and XX/XX/2018 on XX/XX/2018 I deposited two checks from different Account {$3300.00} in my checking account and on the same dayXX/XX/2018 I called my 5/3 MORTGAGE Department to let them know that funds will be available after 2 business days for my MORTGAGE payment which will be MONDAYXX/XX/2018, what the mortgage department did they CREDITED MORTGAGE payment on FRIDAY XX/XX/2018, these are professional bankers without checking my AC they charge me OVERDRAFT FEES {$37.00} three times, the specialist did not resolved my issue instead of that he blame on me that you means I am allowed them to charge mortgage payment there is recorded conversation, I humble request you to resolve my issue at your earliest for overdraft fees which is totally unacceptable 5/3 bank forcefully charged me.
Consumer complaint received 2018-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (NJ)

I requested that Simon Agency provide me with validation, specifically proof that they were authorized to collect this debt, the name and address of the medical provider, the date and type of service, and to whom the service was provided, the name of the person providing this data, and the manner in which it was provided. 
They have failed to provide me with the specific requested information in the time allowed, therefore, I am insisting that these items be deleted from my file. 
Furthermore they have violated my HIPPA rights
Consumer complaint received 2018-01-04
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. (NC)

I called and spoke with a representative by the name of XXXX on XXXX XXXX, XXXX. My call was in reference to the bankruptcy that was removed from my credit report. I called because items that were included were showing on my credit report after the bankruptcy had been removed. The accounts were XXXX XXXX, XXXX, and XXXX XXXX. The representative assured me numerous times that the information would be removed and that it was just a matter of the report updating. From past experiences this has not been the case, however I accepted what I was told because the representative said that she would send me an updated report. I received the updated report and the items remained on the report. I placed a second call the week of the XXXX and spoke with XXXX who advised me that the items would not be removed and I would need to go through the dispute process. I then requested to speak with a supervisor XXXX in Nevada and he advised the same as the representative and I expressed how I felt that it was unfair considering that I confirmed and reconfirmed with the original representative that the items were being removed. I think that when a person calls a company to get information in regards to any account or credit reporting that they should be able to walk away knowing that what they have been told is accurate and will be carried out by the company.
Consumer complaint received 2018-01-04
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. (CA)

I disputed the reporting of XXXX XXXX XXXX reporting a $ 16000+ outstanding balance. This account was included in bankruptcy and NOT reaffirmed. I submitted a copy of the US Bankruptcy Court 's denial of reaffirmation multiple times to XXXX, Equifax, XXXX and XXXX XXXX XXXX and it was not corrected. In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.
Consumer complaint received 2018-01-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

XXXX XXXX Deed in Lieu documents were signed and notarized. The lender sold the loan shortly after to the current lender. The documents were misplaced in the process of transfer. The current company communicated to me on XXXX XXXX, XXXX, that the documents were being recorded. Today, the company tells me they need an updated appraisal.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

I sent {$500.00} via bank wire transfer to Coinbase Inc without my reference number. The money will not know to go to my personal account and Coinbase claims to be backed up and arent prioritizing refunds at the moment. I would like my refund ASAP.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AZ)

I found a collection company on my credit report called XXXX XXXX XXXX. I called them and they said that the City of XXXX said I owed them for an account that was my mother 's. She XXXX XXXX  XXXX of 2016. This was not my debt it was hers. They told me to call the City of XXXX. The City of XXXX said they were charging me because I was her power of attorney. Power of attorney ends at XXXX. I explained that and they said that they knew that, but someone had to pay the debt. I was not responsible for her debts and could not pay them after she died. They said they refused to remove it, even though they knew my power of attorney ended at XXXX.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX is showing an incorrect amount owed. My truck was repossessed and sold. The balance owed does not reflect the correct amount owed, it still reflects the total amount of the vehicle. This reporting status is both inaccurate and illegal.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I came home from college and i recieved a letter in the mail stating my account was closed due to check fraud. I dont know anything about that, i was in school for 5 months prior to this happening and there was no Bank of America where i was located so i couldnt have made any type of transactions.
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (PA)

XXXX XXXX XXXX purchased XXXX XXXX in 2017.  Prior to XXXX XXXX XXXXXXXXs purchase, XXXX XXXX were serviced by XXXX XXXX XXXX and there was a dedicated website to see an actual amortization schedule and payments made to the mortgage on a monthly basis over differing periods (based on a drop down menu selection) which clearly stated the principal and interest breakdown of the payment, any additional principal paid and escrow etc..  In the months since the acquisition, TD Bank is woefully unprepared to service mortgage accounts, and at a very basic minimum does not  provide a simple breakdown of my monthly mortgage payment such as how much of my monthly payment was applied to principal and how much to interest.  They will not provide online statements unless you have opened a checking account. If you require a statement from a previous month, TD Bank requires you go to a branch to request.   This is simply unacceptable mortgage servicing.  There should be no excuse for not providing a customer a detailed allocation of their mortgage payment.   This is  basic mortgage service expectation.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On my TransUnion credit report, under Public Information, there is a State of Maryland tax lien that has been reported since XX/XX/XXXX. I have been challenging this item for years, because the lien may list my correct name, but it does not list my correct address and does not list my social security number or my birth date.  The credit bureaus are only verify my name, but are not verifying other identifies such as address, SS number and date of birth as required by the law that went into effect in XX/XX/XXXX.  I have been fighting this for several years and I cannot afford to have this on my credit report, especially if the information is not correct.  I have been able to have it disputed and removed from the XXXX and XXXX credit bureaus, but TransUnion is not doing a thorough investigation.  Please help me get this resovled.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got a copy of my credit report and noticed a lot of inaccurate information. I disputed it with all the bureaus and the inaccurate information is still being displayed. I sent along my driver 's license and social security card so that they would be able to verify my idenity.