davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PAY-O-MATIC (NY)

The customer sevice said that she was going to help me with XXXX and did not assist me. I am still waiting. I have a goverment licence for XXXX and I spoke to XXXX XXXX and told her that I have to register the XXXX XXXX funds for my compensation for my program. She said ok. I explained to her that the XXXX XXXX agent said that the computer device to register the XXXX XXXX funds was at payomatic and that the computer has been there for a long time. The agent told me this in 2015.  Please note that as a licensed contracter, please notify the payomatic director XXXX of my rights to register my XXXX XXXX shareholder funds. XXXX said that she would speak to anyone who can call her to let her know that I am ready for the funds to be released from XXXX XXXX. The XXXX XXXX  agent said that the computer device to register these funds is at payomatic and she told me that in 2015. I  already confirmed with the Federal Trades Commission with proof of funds and I already confirmed with the XXXX XXXX agent XXXX XXXX and she said that my funds are ready to be released as a grant XXXX licensed with the federal government. Please let the payomatic director XXXX know that I am ready to retrieve my funds.
Consumer complaint received 2018-01-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Trustee Attorney, XXXX XXXX XXXX, XXXX XXXX and their subsidiary and Trustee, XXXX XXXX XXXX XXXX ( XXXX ), misrepresented material facts related to the excess proceeds during the hearing ofXX/XX/XXXX. Specifically, XXXX XXXX XXXX, XXXX XXXX misrepresented the amount of the excess proceeds by omitting the interest paid on the principal balance while they were " conducting post foreclosure activities '' and only submitting the principal balance to the California Superior Court, case number XXXX. Also, the Trustee and Trustee Attorney misrepresented the amount of the debt and sold the debt associated with the XX/XX/XXXX Bank of America, N. A. Trust Deed and note for almost {$90000.00} less than the amount actually owed at the time of auction. This was done in order to sell the debt because no one buys a debt if they ca n't turn a profit. If all of the debt was included, it would not have sold at action since the total amount owed would have been equal to the fair market value at the time of auction ( XX/XX/XXXX ). 

Currently, Title has not been transferred on the subject property. I am currently homeless and would like to gain possession of my real property and the interest gained or should have been gained on the excess proceeds while the Trustee Attorney was in possession and control of the excess proceeds for at least six months and all other previously requested desired resolutions.
Consumer complaint received 2018-01-02
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. (NC)

On XXXX XXXX, I mailed a letter to the credit bureaus asking them to correct 5 mistakes on my credit report. Over 45 days have past, and I have not yet received a response from Equifax or XXXX XXXX. They were supposed to respond within 30 days.
Consumer complaint received 2017-09-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have 3 items on my credit report that should be removed since it has been on there for 7 or more years. 
BAC Home Loans Services LP - XXXX 2007 Illinois Housing Development - XXXX 2007 ( on my report twice and both have been settled )
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX/XXXX XXXX ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX  was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c )  that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against XXXX XXXX, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of. Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no SIGNED copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against XXXX/XXXX.
Consumer complaint received 2017-05-02
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: Experian Information Solutions Inc. (SC)

Experian is in the business as a trade practice and business model of protecting its paid subscribers and not the consumers whose information they collect. The federal government is n't one of those subscribers in respect to the federal court system. Experian utilizes third party vendors to collect court records utilizing incomplete information and in such report back to the consumer that information has been verified, while it has n't by the standards verified complete information concerning the consumer nor does it report the third party vendor.   Experian was subject to a complaint concerning information that is n't mine, in the process I provide social security card, and  XXXX  tax formfrom th e social security administration to   verify my name as well as my social security number. In the attempt to cover up their practices of never removing information that is inaccurate they added the name which is n't mine to my file and then said they verified the information. This practice is illegal and must be stopped
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (LA)

Executed a deposit of XXXX Litecoin ( worth approximately {$3000.00} ) on XXXX XXXX, 2018 to XXXX  exchange. While the transfer shows completed, the currency did not show up in my account. Have called and contacted support with no resolution in sight.
Consumer complaint received 2018-01-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Financial Service Center of Ohio, LLC (KY)

I am a customer at the XXXX, XXXX XXXX location and I have been taking for a ride. Meaning when I initially took out a loan back in XX/XX/2017 I was not made aware by any XXXX ( former XXXX XXXX professional that I had other financial options - i.e. XXXX XXXX opposed to a title loan. Atop of that ommission - they told me I had an additional {$500.00} I could use for holiday but failed to tell me my payment would double. I am a former XXXX  XXXX w/ XXXX Department of Treasury and are thumbing thru the XXXX at this moment. If you can give some pointer please let me know to void or at least lower the payments of this ... financial swindling I have inadvertently fell into. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-03
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: D. SCOTT CARRUTHERS (CA)

Unknown account appeared on my XXXX credit report XXXX of XXXX under the name of XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX - ( XXXX ) XXXX, claiming a balance is due of {$870.00}. Several members of my family have received phone calls at all hours of the day from various numbers claiming a lawsuit has been filed XXXX times a day, even after being asked to be remove their number. The numbers are randomly generated and you can not contact them back. Mountain Lion Acquisition is the same company as XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX. My elderly father received a phone call informing him that someone would be coming to his home address to serve him papers and that he needed to be present to sign. The caller informed him that an amount of {$3400.00} is due and that the amount would increase upon court fees. I received a letter that stated they wanted my report with an emphasis on employment status and lawsuit worthiness from XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX. I have never received validation and have filed complaints on XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA and have never heard back. Now they are reporting incorrect information to XXXX to damage my credit report. Violation under the Fair Credit Reporting Act ( FCRA )
Consumer complaint received 2018-01-03
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: JPMORGAN CHASE & CO. (VA)

I have some various inquiries in my credit accounts. All 3 : XXXX XXXX and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted Chase, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Consumer complaint received 2018-01-03
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: TCF NATIONAL BANK (VA)

I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I  never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Consumer complaint received 2018-01-03
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: FC HoldCo LLC (VA)

I have some various inquiries in my credit accounts. All 3 XXXX XXXX XXXX and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Consumer complaint received 2018-01-02
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX, XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Consumer complaint received 2018-01-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc. (AZ)

On XXXX-2017 I was notified by my credit monitoring service that my credit score had dropped. I checked my credit report and found that a company called XXXX XXXX XXXX XXXX XXXX Has posted to all three credit monitoring companies of a deragatory nature about a debt they are trying to collect. 

I have received no written, telephonic, electronic or oral communications in regards to their efforts to collect a debt from me. Furthermore I have found that the original creditor sold the debt to this company. I emailed the company and informed of all of this information and have asked them to close the account ( since they bought the debt, it has been paid and I am no longer obligated to pay it to the original creditor. Original creditor has since written off debt on their taxes. ) and I have not been contacted by the company. 

I have sent in dispute letters to all three credit bureaus explaining the situation and requesting the information new removed from my credit reports.
Consumer complaint received 2018-01-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (MS)

I had a loan two notes behind. I have been sick for the last 2 months. I went and talked to a manager and was given forms to take to the doctor and my job. The company calls my cell number at least 20 times per day. On X/X/2018 a manager name XXXX came to my home after I had been at the office picking up XXXX papapers that Friday prior. They are constantly harassing me.
Consumer complaint received 2018-01-02
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: JPMORGAN CHASE & CO. (CO)

My complaint is with Chase Cardmember Services and their Executive Office. 

Looking back, I made several transactions with my XXXX Chase credit card last XX/XX/XXXX to get cash to give to a foreign company called XXXX XXXX XXXX to make binary options trades for me. Since I did not have any cash on hand for these trades, I obtained cash from four of my credit card companies for XXXX XXXX XXXX to use to make the trades for me. The four credit card companies were Chase cardmember services, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  debit card visa. 

When I realized that I was part of an elaborate scam ( I only realized this in XX/XX/XXXX ), I began contacting the card companies to let them know that I was part of a scam, and to tried to get them to give me my money back. Two of the banks ( XXXX XXXX XXXX and XXXX XXXX ) agreed with me, and credited my accounts for all of the transactions I made through them. 

However, Chase Cardmember Services and XXXX XXXX XXXX XXXX listened to my dispute, but WOULD NOT give me my money back ( see attachments from Chase ). 

They said that since the transactions ( {$33000.00} cash credit card transactions ) had occurred more than six months prior to my dispute, they would not credit my account. 

XXXX XXXX XXXX XXXX has also rejected my dispute and they have failed to give me my money back. I made a {$1700.00} debit card transaction with XXXX XXXX XXXX XXXX and a {$50000.00} wire transaction through their bank ( when I cashed-in a {$50000.00} annuity from XXXX and deposited the money in XXXX XXXX XXXX XXXX ). 

I have filed four separate disputes with Chase and each one has been rejected. The dispute with XXXX XXXX XXXX XXXX is still pending, but they have indicated that they will reject it also.
Consumer complaint received 2018-01-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX, we received an email XXXX XXXX, Mortgage Banker at Chase Bank, indicating that we were eligible for the Education Benefit Program, " United Guaranty 's Home Buyer Education '', and accordingly we completed the course on XX/XX/XXXX to earn {$500.00}. However, despite a confirmation email on our successful completion of the course and numerous promises by XXXX XXXX, including telling us on XX/XX/XXXX that we would receive the check in 7-10 days, we are still yet to receive the check. Furthermore, after numerous phone calls and stating that he was still checking on it but then we were informed that we were no longer eligible due to the amount of down payment despite completing the course months ago.