davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

XXXX XXXX applied a debt that is my fathers and took me to court in XXXX. I went to court and told them it was not mine. In XXXX, I received another summons in relation to the debt. I had my lawyer get involved. She sent them a letter on XXXX XXXX, XXXX tellling then they had the wrong person nd to remove the vdebt from my information ( as well as calling them telling them the same information ). On XXXX XXXX, XXXX, XXXX XXXX filed a garnishment in court for this debt. I debt not receive this information until XXXX XXXX, XXXX because I do not and have never lived at the address listed in the information. Since that time, my lawyer has repeatedly called and been told the garniment will be removed and the money returned. It is XXXX XXXX and the garnishments continue and the money they have taken is now XXXX for a debt that is not mine. A debt that the third party collection company ( not the original owner of the debt ) attached my ssn to because my father and I share the same first name. They have all the information from my lawyer ( including my fathers information to pursue the debt from him ). They were told the debt was not mine in XXXX and never sent any information to prove otherwise.
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

The account looks like it was re-aged. The date opened was XXXX/XXXX/XXXX but the date of delinquency is XXXX. How was this account late before it was even opened? The date it was reported was XXXX and the first major delinquency was XXXX and if you look at the payment history there is no late payments. I would like this account removed from my report. I disputed with XXXX  but they never got back to me they just put a consumer disputes remark on the account with no explanation if and how they verified the accuracy. I dont see how the information is accurate when the account wasnt opened until XXXX yet was late XXXX before the account was even opened. Please remove account from my report.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I bought a car and the loan is from Bank of America, my car was involved in an accident which the insurance company declared it as a " total loss '' but the insurance company refused to pay for my car and I kept making my monthly notes to Bank of America. I fixed the car by myself, it took me 8 months to get it done but the car is now in perfect condition. The problem started when Bank of America reported this account as a 'charged off ' even though I have never missed a single payment and always on time.
Consumer complaint received 2017-09-28
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: BARCLAYS BANK DELAWARE (CA)

On approximately XX/XX/XXXX ( while traction was pending ) I filed a fraud report with Barclays Bank Delaware related to transaction with XXXX XXXX XXXX with the initial transaction date of XX/XX/XXXX for  {$39.00}. On XX/XX/XXXX I received a return phone call from Barclay Fraud department where the result of the call was agreed to have a 3-way conference call with the merchant the next business day ; I did not receive the follow-up call as agreed. On this call I was also advised that the merchant is to be notified of the new credit card number. Which authorizes them to continue charging me for services that I have terminated and continued fraud. On XX/XX/XXXX I received a notice dated XX/XX/XXXX that my fraud complaint was denied. 

I have attempted and completed as required by the agreement with the merchant XXXX XXXX XXXX. As well as all other possible means prior to the transaction date to terminate and cancel all services before the anniversary or renewal date. 

Attached to CFPB complaint is a copy of " XXXX XXXX XXXX '' agreement, e-mail notice of termination as required by agreement, and the Barclays denial notice from the initial fraud report.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

They have not responded to my dispute. 
XXXX refused to respond to my complaint as well. This was identity theft by my ex-spouse, and we were divorced at that time. I still paid it in full to get it off my record, and then XXXX XXXX XXXX still sent it for collection a month later : Account Details Last Reported Apr XXXX, 2016 Collection Agency XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, 2016 Closed Date -- Responsibility Individual Balance {$130.00} High Balance {$95.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX
Consumer complaint received 2017-02-27
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Westlake Services, LLC (SC)

We had a loan for a car with Westlake Financial Services The car was in an auto accident and was subsequently paid in full by State XXXX but Westlake reported it as a repo on my credit and we have proof the car was never repossessed as a matter of fact after our insurance company paid off the car they allowed us to retrieve it and we still drive the car to this day.
Consumer complaint received 2017-09-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NV)

I placed an order for crypto that totalled {$490.00} with the {$14.00} fee. Then my card was charged another {$14.00} fee! No where did it say my total would exceed {$490.00} XXXX XXXX card limit ) I want the refund of the second {$14.00} fee because nowhere did i agree to that. 

Coinbase case # XXXX Thanks.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and the other major consumer reporting agencies have been collecting, compiling and selling my personal information without my prior consent nor expressed permission. They have also been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my Consumer Rights and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( s ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I may indeed  seek and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING! 

I am enacting my consumer rights to compel you here and now to absolutely and permanently remove any and all aspects of untrue, inaccurate, not complete, not timely, not proven mine, not proven my responsibility, and or not proven adequately and entirely compliant allegations of credit information.
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Money was being withdrawn from the checking account unauthorized close to the amount of {$2000.00}. When this was brought to the banks attention they had us to fill out XXXX XXXX XXXX XXXX claim documents, and we were informed that the monies would be returned. We were also informed that we would hear back from the bank within XXXX XXXX XXXX XXXX days. This was back in XXXX of this year. On Tuesday XXXX XXXX, XXXX we were informed by the bank that we would have no recovery but was not given a reason for the decision that was made.
Consumer complaint received 2017-10-19
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 have filled numerous complaints with XXXX and Equifax. XXXX finally responded by removing the XXXX loans that were originaly South Carolina XXXX Loans # XXXX which were well over XXXX XXXX XXXX. XXXX sold these same loans to XXXX Collections XXXX. XXXX only removed just XXXX of the XXXX Collections # XXXX and not the other XXXX were left on the report and need to be removed as they too have been sold by XXXX.These other XXXX loans are both numbered the same which are # XXXX both reported on XXXX/XXXX/XXXX according to XXXX XXXX XXXX. Equifax has all XXXX XXXX Collections Services still on my report which XXXX has sold to them and they are the same debt.I have previously asked that they be removed also. We were warned by the refinance agencies that XXXX would be difficult to deal with and they were right.I am XXXX XXXX XXXX living on a fixed income and need to refinance my house but the the game playing by XXXX and Equifax still continues. Why did n't they remove the others like XXXX did?
Consumer complaint received 2017-09-27
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: Law Office of Michael J. Scott, PC (VA)

I have received letters from 2 different companies stating that I owe them money. On both occassions I have sent disputes and requested information that supported that I owed them money to which I have never received. Instead from the last letter I sent I received a notice that I am being sued along with a letter. Again I am responding with a letter demanding proof. All the while this information even though it has been past the 30 days from the date of my second letter it is still showing on my credit report. They have been unable to provide me any information that I signed a contract with them, that I owe this debt, that I entered into any agreement with them, nothing. The letter they sent me along with the fact they were suing me was received on XXXX/XXXX/XXXX and they refused to date the letter however the lawsuit is dated XXXX/XXXX/XXXX with everything typed but the actual date ( 18 ) part, and that has white out on it. I find that interesting since that would be one day before 30 days is up. Highly unlikely. Please see all attached documentation.
Consumer complaint received 2017-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filled numerous complaints with TransUnion and XXXX. Transunion finally responded by removing the 3 loans that were originaly South Carolina XXXXXXXX XXXX # XXXX which were well over 7 years old. XXXX sold these same loans to XXXX XXXX XXXX. TransUnion only removed just one of the XXXXXXXX XXXX # XXXX and not the other 2 were left on the report and need to be removed as they too have been sold by XXXX.These other 2 loans are both numbered the same which are # XXXX both reported on XXXX/XXXX/XXXX according to theTransunion Resolution Summary. XXXX has all 3 XXXX XXXX XXXX still on my report which XXXX has sold to them and they are the same debt.I have previously asked that they be removed also. We were warned by the refinance agencies that TransUnion would be difficult to deal with and they were right.I am XXXX years old living on a fixed income and need to refinance my house but the the game playing by TransUnion and XXXX still continues. Why did n't they remove the others like XXXX did?
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.
Consumer complaint received 2017-10-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA is my bank I had used a customer service representative to transfer XXXX dollars from my checking account to my XXXX account to increase my secure credit card line of credit. The representive transfer out of my account XXXX yet the bank does not know where the money is. It was never transferred to any of my accounts and is no longer in my account. Im XXXX XXXX XXXX and was leaving for a crusisevwith my daughter. I could not go cause the bank lost my money and did not find it after I begged and explained this was a once in a lifetime trip. I lost my money that I paid for the cruise cause I couldnt make the trip without money to travel. Im heartbroken the bank refused to give me back my money.
Consumer complaint received 2017-09-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advance America, Cash Advance Centers, Inc. (SC)

On XX/XX/XXXX a young man by the name of XXXX XXXX contacted my husband about legal papers that would be served to me on Thursday, XX/XX/XXXX. I was confuse, so I contacted XXXX and he stated that he had authorization to serve me papers. So when I asked him papers for what he told asked me was this the first time hearing about this. I told him yes and I wanted to get more information about the debt. So he stated to me by law they should have notified me about the date before legal papers are served. XXXX XXXX connected me with a XXXX and when XXXX answered her line she indicated that she was with XXXX XXXX and she was collecting a debt for Advance America, she stated that Advance America has sold the account to her for collections. She told me the debt was for XXXX and they did not collect it from my bank so she is trying to collect it. I told her I did n't get notification from Advance America or XXXX XXXX and I need to get notification that the debt was not paid. I explain to her that Advance America did n't call me or did n't send me any correspondence about a debt, so how is it that XXXX XXXX want to serve me papers on something I am not aware of. XXXX for XXXX XXXX stated that by law Advance America does not have to notify me and the account has already been sold to them. She demanded XXXX by XX/XX/XXXX and indicated that she could take another XXXX on a later date and that would settle the debt. I told her ok, but before I give my credit card number over the phone I need paper work explaining the debt and where I could send the paper work too. XXXX indicated the only way I could get that information is to lock in a payment with her today and I refuse to give her my personal information over the phone. I called Advance America head quarters and they explain to me that the debt was sold and no they did not notify me because they just sold the account on last month. They indicated that they sold the account to XXXX XXXX XXXX and the number was XXXX. but they never heard of a XXXX XXXX XXXX First they called my husband about the debt and secondly they gave me false information about the debt. and I never received collection notifications about this debt.
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

We used to live in XXXX, TX and took out the Citi AA credit card. Once we moved to XXXX XXXX, we canceled the card and closed the account in XXXX XXXX. A month later we got a bill from the company saying there was a charge on the account, even though we canceled the card the month prior. Citi disputed and reversed the charge, however, they never removed the carry-over interest. As a result, we accumulated late fees on the {$2.00} of interest that was never reversed, I have called every month after getting a new statement with an additional late charge. I have offered to pay the interest, and even cover one late fee ( since I am dealing with this 6 months later ) just to get them out of my life at this point. It has been extremely frustrating to the point that I agreed to pay two months of late fees amounting to {$63.00} so that I never have to deal with this company again. They said they could clearly see the small interest amount but could n't take off anymore late fees than they already have, even though it was their mistake not to close my account every month I called. I 've felt helpless throughout the entire process, their reps have told me they would take care of it for months and having to pay ( when no amount should be due XXXX to close out a credit card 6 months later is ridiculous, but better than having it escalate further and worse, having to go through the issue with another Citi rep ...
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have disputed the information you listed on my report : XXXX XXXX CT CA XXXX # XXXX : Unverified information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are  required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent information.
Consumer complaint received 2017-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I began disputing an incorrectly reported item on my credit report with TransUnion an XXXX/XXXX/XXXX. I initially requested validation of a reported debt with XXXX XXXX in the amount of {$520.00}. On XXXX/XXXX/XXXX they sent me an updated credit report stating the debt had been verified as requested and updated accordingly. They never sent me anything bearing my signature as requested. They did however update the entry on my credit report as disputed. I once again sent another letter requesting validation on XXXX. They sent me another credit report on XXXX stating the item was validated, updated as such and remains on my credit report. On XXXX I called TransUnion and spoke with a man named XXXX. I asked him what documentation does TransUnion possess to prove that this is indeed my debt? He responded by telling me we do not have anything nor are we required to maintain any documentation.? I told him that TransUnion is in violation of the FCRA section 611 ( a ) ( 1 ) ( A ) by not doing so. He told me there is nothing he can do for me except file another dispute. TransUnion has failed to validate this alleged debt on more than one occasion. Their failure to maintain accurate reporting on my credit file is hurting my credit score and my ability to qualify for a mortgage.
Consumer complaint received 2016-10-12
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

To who it may concern, My name is XXXX XXXX. My complaint is for Bank of America! We are trying to refinance our home for a lower interest rate but Bank of America has very uncooperative. On XXXX 2013 we got a letter from Bank of America saying that our account had been sold to XXXX XXXX Services. So all these years we having been paying XXXX XXXX XXXX and now that we are trying to refinance Bank of America says we owe them {$80000.00}. Imagine my surprise to hear that I owe Bank of America that amount of money! So I called Bank of America to get a letter saying that we owe them that money to include it on our refinance or where that amount came from. So when I made that call it took me 7 calls and 7 transfers with 7 dropped calls where they would say they were transferring me to a supervisor and they would hang up on me. Bank of America told me they could not give me a letter because I owed that amount and their collection department ca n't give me a letter either because they have nothing under my social security # or account. XXXX XXXX XXXX has no record of nothing under that amount when our account was sold to them. I was not aware that I could put a complaint against them. It has been a very frustrating process with Bank of America, rude, unprofessional and certainly not Helpful!!! We are 3 days away from losing our 3 % intrest rate due to their uncooperative behavior. If we lose it who knows if we will get our appraisal money back from this company.
Consumer complaint received 2016-09-22
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (NY)

Hello, I am writing to file a complaint against PayPal for their limitation of account functions for no given reason. I followed Paypal 's rules to link my bank account and use that as my main source of payment for online check-outs and out of no where they have stopped me from being able to use it, but want me to use their credit line instead and presents that as my only option. I have been using my bank account ( the same bank account ) with PayPal since 2008 and have n't had a returned or denied payment in all that time. But now PayPal is saying " security reasons '' they can block me from using my bank account at anytime. Why make me link it, if they can make the decision to prevent me from using it whenever they want. 
Then when I call customer service they can not provide a reason for why the account was blocked, all they say is PayPal reserves the right to prevent use of payment options. 
If they ca n't arbitrarily decide when and what payment methods I can use what is the point of their services and then they can not provide a reason for why my account was limited. 
Then they market Pay After Delivery as a service and decide that they can just stop offering it as an option whenever they want for any transaction they want. I used it multiple times on a specific website, then I go to use it again and its just gone. Now I do n't have the option at all even though it still says " Pay After Delivery is your perferred payment method '' in my account.