davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Brightwater Capital, LLC (PA)

I was contacted at my job from this debt collect or XX/XX/XXXX. I tried to speak with the debt collector but he was continuously yelling at me and also hung up the phone on me. He proceeded with saying that they would be moving forward with what their decision would be to do with my collection but did not specify any detail and hung up the phone. I talked to the debt collector on Thursday XX/XX/XXXX because they have been calling my job and cell phone number back to back we also talked briefly and I shared that I would be able to make a payment. He also accused me of lying and pulled up a report with all of my other information. So I just need guidance or something of what to do from her we. He also never specified the amount to me that I owe
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (TN)

I received this regarding there help. I filled all the paper work they required they even had woman come to my house for signature to begin the process. They have a connection to Global Client Solutions who was to make monthly withdrawal from my checking every month I was told they charge a small monthly fee, the law office was to take small monthly fee. They took a fee but far from small. I was told that I could access my account at any time I was finally able to access my account in XXXX and was shock at how money the law firm had taken and nothing had been done. I contacted them any revoke there permission to make any further withdrawals and to returm all my money.. A refund of {$950.00} was issued XXXX and another refund for bank fees was issued for {$79.00}. They kept {$1600.00} and they and have ignored all my request. I offered to settle for {$1200.00} and they again ignored my offer. I no longer will offer them a settlement offer I just want my total amount of money due me. I have emailed back and forth with XXXX XXXX and spoke on the phone once. XXXX XXXX XXXX, states that he is Non Lawyer but he is Practice Administrator and Director, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Upon checking I did that he has worked for many debt settlement companies I tried everything to get my money back but XXXX has stead fast refused to give it back and has broken contact
Consumer complaint received 2018-01-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

For 3 weeks I have been trying to get a repayment plan. I have been waiting on my point of contact to call me with the new monthly payment on the repayment plan. He finally called and told me we could only do a 10 month repayment plan and he would call me on Monday,XX/XX/XXXX to set up the plan. He never called and I called them ( Shellpoint Mortgage ) Tuesday and they informed me that the person I was speaking with did not know what he was doing and should not have told me I could get a repayment plan, because it was less than 15 days from the sale. They said it is nothing they can do. If I would have known 15 days ago I would have demanded a new person to speak with. I hope someone can help, because I don't think this is fair.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (TX)

I opened an account with Regions bank on XX/XX/2017 after receiving a promotional offer in the mail of a {$400.00} bonus after signing up for online statements, and making 10 purchases within 60 days. This was all confirmed to me by the representative that opened my account by phone. He said the {$400.00} would post within 120 days after account has been opened. 

Regions is now offering the same promotion but has reduced the 10 debit purchases to 30 days. The person that opened my account made did not make mention of that and told me directly I had 60 DAYS. Which was the promotional advertisement by Regions, for 60 days. 

Regions is denying me the {$400.00} bonus saying I did not post 10 transactions with 30 days, even though their very own representative told me I had 60 days!!
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (NC)

In XX/XX/XXXX I asked that Wells Fargo to report me making my monthly mortgage payment to the 3 credit reporting companies. In XX/XX/XXXX I had filed bankruptcy on my business, but not on my home. I have continued to make my monthly mortgage payments in a timely manner. 

In XX/XX/XXXXI was also married. At that time I submitted a copy of my Marriage Certificate and requested that the last name on my loan ( my maiden name as I was single when I financed my house ) be changed to reflect my married name. It never was done. 

In XX/XX/XXXX I became a victim of identity theft. I am a XXXX XXXX veteran, and also used my debit card at several large corporations who had their data hacked. At this time I started paying more attention to my credit rating and my credit record and realized that Wells Fargo was not reporting my monthly mortgage payments. Also, I knew that after 10 years my bankruptcy would start to fall off my credit rating, and I needed to get serious about re-establishing credit. 

In XX/XX/XXXX when I contacted Wells Fargo and asked them to please start reporting my monthly mortgage payments, they instead referred me to the " dispute banner displayed on account '' which referred to the removal of my bankruptcy filed in XX/XX/XXXX. Again, my bankruptcy filed in XX/XX/XXXX was for my business, and did not include my account with Wells Fargo, and I did not ask that the bankruptcy notice be removed. 

I asked that they start reporting my monthly mortgage payment. 

I received a letter dated XX/XX/XXXX from Wells Fargo with the following : " Because our review results didn't support your dispute, we've added a Compliance Condition Code on your credit report, which reads " Completed investigation of FCRA dispute - consumer disagrees. '' This code will remain on your credit report until you request we remove it. If you'd like the Compliance Condition Code removed, you may contact us at the phone number provided in this letter. If you'd like to submit the request in writing, you can send us a signed, written request. 

They included the phone number XXXX Wells Fargo has completely ignored my request, and my right, to have my monthly mortgage payments reported to the credit agencies and I don't know why. I don't believe me filing bankruptcy in XX/XX/XXXX on my business, but not on my home, should prevent my payments from being reported.
Consumer complaint received 2018-03-13
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. (UT)

XXXX XXXX was included in my Discharged Bankruptcy Docket : XXXX yet they are still reporting an unreleased judgment ( XXXX ) on my credit report and court docket. 
They were, inf act, served a notice of filing. They are affecting my financing and this needs to be fixed asap. 
Thank you
Consumer complaint received 2018-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IN)

On XX/XX/XXXX @ XXXX XXXX PST I sent an email to coinbase support due to my missing wire transfer that was sent on XX/XX/XXXX by my bank. AS of this date XX/XX/XXXX my wire transfer has not made it to my coinbase account nor has it been returned. My bank and I have made numerous attempts to get the wire transfer returned and according to coinbase web site all " back logged XXXX '' issues have been resolved yet here I am still waiting for the return of my {$10000.00} wire transfer. After no help from Coinbase and reaching out to Coinbase bank XXXX XXXX   without success ... My bank sent an email compliant to compliance officer at XXXX XXXX on XXXX XXXX, XXXX and have heard nothing as of today. The outgoing wire info was sent to compliance officer to investigate. On XX/XX/XXXX I rec 'd an email from " XXXX '' from coinbase customer service sending " apologies '' for delay in response and if my issues with wire transfer had not been resolved to respond to the email and they would resolve it ASAP. I immediately responded and as of today no further response and my {$10000.00} wire remains in their hands not mine! I want my wire transfer returned immediately. They said in XXXX if the account name, acct number etc didn't match exactly all wires would be immediately rejected and returned. My husband sent the wire transfer to my coinbase account and the bank put his name instead of mine. This error should have immediately caused the wire to be returned according to both banks & coinbase web site ... but it was not nor was it put in my coin base account or my husbands coin base account. Coinbase takes 45-50 mins to answer the phone and when they finally answer the phone no one can help nor can they forward you to anyone that can help ... .they simply say you have to wait until you receive an email to your concern. I have attached many documents and have many more if needed to prove my case.
Consumer complaint received 2018-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (FL)

I refinanced a XXXX XXXX XXXX in XXXX. My interest rate was almost 20 %. I have paid every payment on time, with the exception of waiting on XXXX, when I got behind, but caught up payments immediately. 
I have noticed that since XX/XX/XXXX, none of my payments have gone towards principal. I have paid a little more than minimum payment, but my balance has not gone down since. The car is old and tried to trade it in, but can trade the vehicle because I owe almost what I paid for it in XXXX, thanks to the high interest rate. I can not get the vehicle refinanced because according to the value, it is only worth {$2500.00} and I still owe {$13000.00}. I have requested all extra payments be applied to the principle balance, but they have not. 
I believe this company takes advantage of people who had credit problems, but since have rebuilt their credit. They refuse to refi at a lower rate. 
The company is XXXX XXXX, the vehicle was refinanced with them after receiving a notice on XXXX XXXX that they could reduce my monthly payment. The original loan amount in XX/XX/XXXX, was {$13000.00} ( Approx ) and today, the balance is {$13000.00} as of today, XX/XX/XXXX.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

XXXX XXXX XXXX XXXX Case No : XXXX US Bank Fraud Claim XXXX I filed a complaint with the board against US bank. I received denial letters from the bank and contacted the board and the representatives I spoke with each over time assured me that the investigation was still open and that I would be n notified when their investigation was completed. I waited and waited and never received a response from the board notifying me of their response to the investigation. I recently contacted the board only to find out that the board had closed my complaint in XX/XX/2017 response received from the bank ( letter ) '.case closed. There has not been a day that has passed that I have not thought about or believed that the complaint was never investigated by either the board or US bank and I feel that just can not let this go. I want to know what Federal Regulations that US bank states that I did not abide by are. Neither the board or US bank has explained that to me. 

I NEVER gave XXXX XXXX the PIN to my accounts. I DID NOT authorize him to withdraw monies as he saw fit. I did authorize him limited access to my debit card while I was XXXX  but it was only to pay bills by phone and a PIN was NOT REQUIRED for this. Once again, I DID NOT give him permission or authorization to steal my debit card and withdraw any funds from my accounts. 

I want to file a new complaint as I do not feel that US bank nor the board investigated my complaint. I respectively request that the board consider my response to US bank 's denial of my complaint.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

There was debit card purchase on XX/XX/XXXX with XXXX XXXX XXXX and I used my Business Bank America Debit Card ending in XXXX for the purchase the amounts were as follows: Here is the information to provide to your credit card company for this issue : OnXX/XX/XXXX/XXXX, three credit card transactions were processed in the amounts of XXXX, XXXX, and XXXX on credit card ending in -XXXX. On XX/XX/XXXX, our credit card processing company advised these three transactions were rejected by the cardholder as unrecognized transactions and were charged back. The funds were charged back to our Merchant account on XX/XX/XXXX in the amounts of XXXX, XXXX, and XXXX. Bank of America is still saying that they do not have the money and they will not give me a credit for these amounts.  I call everyday 2 to 3 times a day and I still get the same answer. I’m at my last rope with this bank and they are not trying to accommodate the customer at all and the merchant has been paid twice via wire.  I just want my money back in my account and the bank (Bank of America) is lying to me and they do not want to give me money back
Consumer complaint received 2018-01-31
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: Midwest Recovery Systems (OK)

XXXX and XXXX  a is reporting Midwest Recovery and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.
Consumer complaint received 2018-01-31
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. (OK)

Equifax and XXXX  a is reporting XXXX XXXX and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (NY)

I've received MULTIPLE phone calls for months from telephone numbers that are similar to my own so that I feel more inclined to pick up. 

They call themselves " Sunrise Credit Services , Inc. XXXX XXXX XXXX XXXX , NY XXXX telephone XXXX '' and have tried to collect a " debt '' from me for XXXX XXXX XXXX in the amount of {$60.00}. I do not, nor have I ever owed this amount and have confirmed with XXXX XXXX XXXX that my account is in good standing. 

I have threatened to report them several times they've called ( and now I'm finally doing it ), but they are persistent and the phone calls turned in to mailed letters requesting payment.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Good DayMy Identity Has been stolen, and somebody tried to open a Bank accounts, Credit Cards in my name, when i submitted Dispute to credit bueraus they are refusing to delete that errors from my fileBELOW GIVEN THE NAMES OF FINANCIAL INSTITUTIONS WHICH ARE ON MY CREDIT FILE AND THEY ARE FRAUDELENTLY OPEN UNDER MY NAME!!!1)  XXXX XXXX XXXX XXXX XXXX  - Date reprted XX/XX/XXXX2) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX3) XXXX XXXX  XX/XX/XXXX4)  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX5)  XXXX XX/XX/XXXX 6)  XXXX XXXX XXXX XX/XX/XXXX7)  XXXX XXXX XXXX  XX/XX/XXXX8)  XXXX XXXX XXXX  XX/XX/XXXX9) XXXX XXXX XXXX  XX/XX/XXXX10) XXXX XXXX  XX/XX/XXXX11)  XXXX XXXX/XXXX XXXX XX/XX/XXXX12) XXXX XXXX XXXX  XX/XX/XXXX13) XXXX XX/XX/XXXX14)  XXXX/XXXX  XX/XX/XXXX15) XXXX XXXX., XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from DEBT RECOVERY SOL. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against DEBT RECOVERY SOL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2018-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from CAPIO . I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against CAPIO in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2018-01-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (TX)

I obtained a payday loan from Speedy Cash on XX/XX/XXXX for $XXXXThey were to be paid in full as of XX/XX/XXXXThey were to be paid biweekly $XXXX until XX/XX/XXXX from XX/XX/XXXXThe first payment was successful in the automatic draft starting XX/XX/XXXXThe second payment was scheduled to go through on XX/XX/XXXX and I was short $10-$20 for it and the bank hit me with the NSF of $XXXX and then speedy cash changed the payment to $XXXXI had recieved my paycheck and made an independent payment of $XXXX on XX/XX/XXXX to cover a portion of my payment and some of what was still owed, however the payment processed and speedy cash still drafted automatically the payment of $XXXX which hit my account with another NSF as they had just been paid.They sent me to collections of which I explained they were paid on XX/XX/XXXX and they advised me to send in a bank statement even though they could see this payment and they were to follow up However they did not follow up and they drafted my account automatically for $XXXX - they were to be paid back in total almost $1000 and now a $XXXX loan cost me more than $1500on another occasion it was an emergency to do another payday loan while I was disputing this current one and while I have documentation stating the loan was paid in full I asked the rep behind the counter if this would be sufficient to show paid in full as they were paid cash and the rep said there would be no drafts from the account and again they drafted $XXXX  from my account.In total the payments they received total more than ever loaned and ever quoted to be paid back by more than $600as of now they are stating that I owe almost $700 - for what? a loan - not again
Consumer complaint received 2018-01-31
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. (CA)

TransUnion continues to report errors on my credit report such as incomplete information regarding three public records. Unrecognizable information on file but TransUnion refuse to correct, I filed a lawsuit in State Court.  TransUnion handed out my credit report to the judge without my permission ignoring The Fair Credit Reporting Act (FCRA), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs). ..  State Court Judge did not recognize FCRA Section 609 and FCRA Section 611.TransUnion is in violation of FCRA Section 609  and Section 611.