davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

yesterday, I called the professional adjustment corp to be presented to the owner named XXXX. I sent a letter asking for verification for this alleged debt, I was sent procedure codes, pretty much my medical history on four accounts that at the time I had no knowledge of. I called the original creditor to speak with a representative on the phone for an hour explaining to her that I never gave permission for a debt collector to have this information as this contains sensitive information regarding hippa. to even get my own information from the records department, I must pay for it, but it scares me to no end how this collection agency could have my medical information. fast forward I called this XXXX on XXXX-XXXX-2017 explaining to her that she had violated hippa enforcing the laws of the fcra for consumers, she immediately got very defensive as she started yelling over the phone and to tell me do what I need to do. since phone calls are monitored and recorded, I kept this on record because as a consumer I do n't need anyone talking to me with such disrespect. I am a grown man and will and shall tolerate it. she slammed the phone in my face afterwards and hung up on me. she has knowingly violated the law. I do not acknowledge the debt because I never signed a contract with this agency. She also called me a liar over the phone an accused me of not speaking to the original creditor which I did as soon as I received her letters. I was on the phone with the original creditor when she too hung up in my face. funny how you expect us to follow the laws but here you are breaking them in multiple ways which by the way of violating my rights. XXXX is very disrespectful and have no regards to the law. I will not back down from this and I demand all trade lines to be removed from my credit profile, you are slandering my reputation. again, I have never gave this agency permission to access my medical information. I have no contract with the professional adjustment corp and there is no bill that states I have a contract with the professional adjustment corp. they did n't provide any service that I signed for. I will also let all three credit bureaus know that this agency has taken my information without my consent which also constitutes a fraud. you have access to my medical records without my consent, two you are accessing my credit profile without my consent, three you have opened 4 accounts which your agency has failed to sent me a letter about this alleged debt. I want this off my credit profile.
Consumer complaint received 2017-09-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I tried to send XXXX Bitcoin using Coinbase.com mobile app and the app responded saying that it failed to send the payment and to try again. I then went back and tried to send it again and it sent 2 payments, totalling XXXX Bitcoin. 

The Bitcoin address which the payment was sent to is : XXXX I then contacted Coinbase on the XX/XX/XXXXabout the issue and they responded 8 days later ( XX/XX/XXXX ) saying XXXX replied : Hello and sorry for our delayed response. 

Which did n't resolve my issue in the slightest and did n't even address the matter. I then replied to that asking for the issue to be sorted in which I never received a reply. 

Forward to the XX/XX/XXXX in which I wrote to them again asking for the issue to be sorted and once again received no reply.
Consumer complaint received 2017-09-06
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. (FL)

XXXX XXXX bank was included in my bankruptcy and and the debt was XXXX transunion is still reporting the dept in my cred file
Consumer complaint received 2017-09-06
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. (FL)

equifax is reporting a debt from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX on my credit report incorrectly. These were included in by bankruptcy with was discharged. These debt should be removed from my credit report
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

In XX/XX/2023 Citibank issued me a card and I called to decline the offer and asked that my fee be returned as I didnt need the card. I had a XXXX balance in my account. I saw suspicious charges and reported them immediately. XXXX XXXX is the company that was charged in my account and it was from California. I live in Arizona. I told them my card had been used fraudulently and that I needed all charges to be reserved and my account closed. They assured me theyd call after investigating the issue and that they needed to cancel my current card due to the fraud and send me a new one. I told them I didnt want a new one and they said I had to keep the account open until everything was fixed. The next month on XX/XX/XXXX I made another call and was dealing with the same issue and they said the same thing but Ive had no resolution. My credit was very good. Over XXXX which as a single mom with XXXX kids in college took me a long time to get. Now all my credit numbers have dropped. I told Citibank all of this. The balance now has jumped up from supposedly XXXX to me owing XXXX on my ( XXXX statement. This cards last four numbers are XXXX. I called again in XX/XX/XXXX after receiving a 2day XXXX letter giving me payment options and telling me the purpose of the letter is to collect a debit. The calls went through 4 people without any help at all. It ended up with a supervisor who sounded underwater and would not fix her problem or call back. That was after an hour on the phone after I worked 10 hours. Im now beyond frustrated and need help with this matter.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NV)

on XX/XX/23 chase closed all my credit cards with them. I tried calling them and asked for an explanation and they simply said it was a business decision on their end. I then said since they closed the accounts no me of which I paid annual fees on were they going to refund my annual fees, They refused to pay any of the annual fees back on 2 of the 3 cards. one card the fee was charged 20 days prior so they said they would refund that card but the other 2 they said no because its more than 30 days after the fee was charged. I reiterated that I did not initiate closure and they are not giving me access to the card for the year so why should i be paying for annual use of a card that they have closed. The 2 cards were the chase southwest priority card {$140.00} annual fee, the other the united explorer mileplus card {$95.00} annual fee, the agent refused to refund any of the annual fees on those 2 cards, she kept repeating that they have the right to close the account at any time. which i understand I was asking for a refund of fees I paid since chase decided not give me use of the cards for the full term i paid for. the cards i was not paid back the annual fees for ends in XXXX and XXXX
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

It began when they took over our loan. They don't answer questions. They never sent the proper documentation to explain they had purchased the load. Late payments were made because they double billed us with two different loan companies. During the pandemic they charged us late fees for being late even though the post office was delayed because of the pandemic. This is the same company that kept our repair money instead of paying it to us. XXXX and Loancare both send us a statement for the one house. 

The numbers on each statement aren't the same and one says we are two months late and the other one says we are current. On XX/XX/2021 XXXX shows {$2300.00} total amount due. On XX/XX/2021 Loancare shows {$1400.00} due. They also say we have an escrow shortage of {$1800.00}. Very difficult to know what is really going on here.
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (TX)

Account XXXX XXXX XXXX XXXX was reporting inaccurate information on a late payment for my auto loan account on XX/XX/. I disputed the late payment and my whole account and history with XXXX XXXX XXXX XXXX was deleted instead of just the late payment.
Consumer complaint received 2017-09-07
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: CITIBANK, N.A. (NY)

Applied for a new Credit Card with Best Buys ( Citibank , N.A . ) and they never disclosed a {$59.00} annual fee prior to the card approval. I cancelled the card at the checkout register and never received or used the card. 

A letter was sent to me on X/XX/2017 Ref # XXXX stating I was approved the a " My Best Buy Visa Gold Account '', and that the card would be arriving in several days. The letter also goes on to say I was evaluated for 2 other cards, and I was declined do to " Insufficient Credit Experience '' I am looking to have my good and long credit history and score remain intact, and the lack of the disclosure for the {$59.00} annual fee was material in my canceling ( a lack of disclosure until after account was opened ). The lack of terms disclosure was irresponsible, and effected my credit score negatively, through no fault of my own. 

Furthermore, the XXXX credit information is obviously in error when they state I have insufficient credit experience, as indicated in a letter sent by Best Buy on X/XX/2017 Ref # XXXX. I currently have several other credit accounts in very high standing, and have a good credit history that spans decades. 

Please feel free to contact me directly by phone at ( XXXX ) XXXX, or by email at XXXX if you have any questions, or need any further information. Thank you for your help!
Consumer complaint received 2017-09-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Brock & Scott, PLLC (MD)

XXXX CLAIMED I OWE THEM MORTGAGE MONEY, I ASK THEM TO PROVIDE THE ORGINAL NOTE OR THE NOTE THAT CLAIM I OWE SUCH NOTE TO THEM, THEY COULD NOT. THEY TRY TO SELL MY PROPERTY IN FORCLOSE SALES ; I FOUND OUT THROUGH A SOLICITING ATTORNEY 'S LETTER. I FILE FOR BANKGRUPCY TO PROTECT MYSELF, I TOOK THEM TO COURT ; BUT THE JUDGE IS DENYING MY PETITION BECAUSE I AM PRO SE. I NEED YOUR HELP THIS PEOPLE ARE NOT LICENSE TO PRATICE IN MARYLAND. BUT THE COURT IS NOT PROTECTING US AGAINST THEM PLEASE HELP ME.
Consumer complaint received 2017-09-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Scott Fetzer Financial Group Inc. (NH)

I am trying to get detailed information regarding missing payments to this account, XXXX x XXXX UNITED CONSUMER FINANCIAL SERVICES Account # XXXX. 
I have sent Emails on XX/XX/XXXX and XX/XX/XXXX, and have spoken to UCFS on the phone on XX/XX/XXXX, XX/XX/XXXX, and twice on XX/XX/XXXX, in every instance I have been refused the information I requested. 
I simply want information regarding the payments I had made ( verified, processed, posted, and reflected in my account balance ) that have disappeared. 
They claim they do not have that information and can not supply me with any explanation other than that they were reversed. 
If that was in fact the case, they are obligated to provide me with detailed written statements FROM the Federal Reserve of the reversals.
Consumer complaint received 2017-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

I tried to withdraw into money into my bank account. coinbase said the transaction was completed however it never got to my acct. Several emails and calls later it has now been over 17 days and I still have nothing. Twice I spoke to support and was promised that I would have my money by the end of the day and still nothing. The coinbase blog is full of complaints about this type of complaint. I am fed up with these people they are just plain stealing.
date of withdraw : XX/XX/17 amount : a mere {$93.00} Three emails with no answer at least 5 calls to support in which I was only able to get through twice. I had to share my desktop with them to prove that I never got the money. I showed them my accts and the transaction logs and was promised that it would be resolved by the end of the day. its going on day 18 now and I have heard nothing from coinbase.
Consumer complaint received 2017-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is sequel to complaint number XXXX.Bank of America is contending that the direct deposits made on XX/XX/XXXX and XX/XX/XXXX were from " brokerage firms, over-the-counter deposits, and funds transfers ; all of which were not considered as qualifying direct deposits ''. This is not true, the deposits were from a retirement account which is a regular source of income for me. In terms of the Bank 's letter reference number XXXX dated XX/XX/XXXX addressed to me, income from a " retirement '' account was considered a qualifying direct deposit.
Consumer complaint received 2017-09-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BARCLAYS BANK DELAWARE (OH)

I purchased a sampler time share pkg from XXXX XXXX on XXXX for {$3900.00}. After 3 hours was rushed through contract and told many lies. Was told if after 2 yrs if did not continue, would be refunded purchase price. I am now told if it 's not in the contract I 'm basically out of luck. I was not told of required presentations if book a trip with sampler. I was also not told it was limited destinations. Then i was encouraged to get the Barclaycard, was told pmts would be {$40.00} a month, was not told, promotional rate would end in XXXX of XXXX and start paying interest. I have been told to contact the sales guy, do not have his info, keep getting run around in emails. I want this debt canceled, I have no intentions of using XXXX or barclay.
Consumer complaint received 2017-09-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

On XX/XX/XXXX I lost my job. I applied for a loan modification through the current mortgage XXXX XXXX. I was approved on XX/XX/XXXX for a modification. On XX/XX/XXXX my loan was sold/transferred to Fay Servicing. Fay Servicing did not honor the modification and denied my assistance. I applied various times for a modification and was always given the round around. I was told to submit the applications various times. I submitted the application a total of four ( 4 ) times with various requests to submit the same documents over and over. I am submitting my application and the approval letter from XXXX XXXX approving my modification. I have contacted Fay Servicing various times through phone calls and emails, but no replies. I have even contacted the lender, XXXX XXXX XXXX. To date, I have had no luck in communicating with Fay Servicing.
Consumer complaint received 2017-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

My son and his mother my ex wife filled out rental app for student housing with the XXXX XXXX XXXX and put my SS # by mistake all other info is my sons not mine.They have called the XXXX and Pro Collect as have I to explain this this is not my debt and I would like it remove from my Credit report
Consumer complaint received 2021-04-23
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: Affirm Holdings, Inc (MT)

I sent AFFIRM a letter on or about XX/XX/2021 & as of todays date, AFFIRM has not responded or resolved the issue. I had a AFFIRM loan in great standing that was paid in full on our about XX/XX/2021. I obtained another loan from AFFIRM on or about XX/XX/2021 and they have failed to report the current/outstanding loan to the credit Bureau & report all of my on-time monthly payments.
Consumer complaint received 2017-11-06
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: Experian Information Solutions Inc. (CO)

I have sent numerous correspondence to the Equifax, XXXX XXXX XXXX in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation XXXX a consumer contract with my signature on it XXXX as required under XXXX XXXX XXXX a ) ( XXXX XXXX ( XXXX XXXX & XXXX XXXX XXXX a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). I have copies of all my correspondence that were notarized and sent certified mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.
Consumer complaint received 2017-11-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CA)

On XXXX XXXX, XXXX, I applied for a Mortgage loan with Caliber Home Loans to refinance my home and I specifically spoke to XXXX XXXXLoan officer. 
XXXX asked for all necessary documents to start processing my application, all of which I provided as requested. Unfortunately as required by Law, I never received the initial disclosures within 3 business days of Application receipt Date or a Credit Decision within 30 days of application date. 
On XXXX XXXX XXXX XXXX contacted me and said that my loan application had been approved and will be sending me initial disclosures. 
On XXXX XXXX, XXXX, I received initial disclosures from Caliber Home Loan but was asked to back date the disclosures 3 months back to when I initially submitted the application! LE of GFE not among the initial disclosure package provided by Caliber. I called/emailed the Loan officer asking for my LE and he said it will provided as soon as he gets it. I still have n't gotten my Loan Estimate. 
One month passed by without hearing from Caliber and on XXXX I was shocked to receive a Notice of Denial from Caliber stating that my loan was denied due to : Credit Application Incomplete. This is simply not true, I never received a Needs Letter from Caliber however I did receive an email confirmation from the Loan Officer stating that my loan was approved. I am so disappointed by Caliber Home Loans unethical business practices. It 's evident that mortgage companies such as Caliber did not learn anthing from XXXX mortgage crisis and surprised that it is still in business.
Consumer complaint received 2017-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am attaching the letter that I sent to XXXX XXXX, and Trans Union on XXXX XXXX. More than 30 days have passed, and they have not responded yet.
Consumer complaint received 2017-11-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (IN)

Without making an application this credit card came to my mailbox. When I tried to make a payment on my account no. XXXX XXXX XXXX XXXX, the representative that processed the transaction did not record all of the numbers to my account in order for the the payment to be made on time. This resulted in a late fee to be charged to my account. The minimum payment due was {$80.00} dollars. However because the payment was late, the total payment due is {$140.00}. This is {$80.00} plus a {$63.00} late fee I have become current with the account however a late fee is still charged to my account when I am not late. I was told by XXXX of the representatives that if I paid the late before the next billing cycle that starts on the 7th of each month, another late fee would not be incurred on my account. I have paid the late fee {$100.00}, and {$43.00} before the next billing cycle however on the company XXXX XXXX bank is charging me a minimum payment of XXXX or XXXX added to the minimum payment as if it is late. In trying to collect the late fee I was told by one of the representatives to expect to be called in the late hours of the evening. 

These transactions are verified to make sure the information is correct.
Consumer complaint received 2017-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gordon, Aylworth & Tami, P.C. (OR)

The caller violated FCC regulations by " installing '' a voice mail when I have a unknown number human test in place to preventing access to voice mails without announcing their name to a machine. This process will show a missed number so XXXX  can block the unknown number. Unfortunately, they used an illegal tactic to bypass calling and leave a voice mail directly. I am considering to pursue a class action. This is the first of such a type attack I have gotten on my phone. These vultures need to be abolished from the earth. 

Machine translated speech : XXXX XXXX is the name of the debt collector.
Consumer complaint received 2017-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (NC)

Lendmark Financial in XXXX XXXX, North Carolina. I currently have a loan out with them. I started getting phone calls on the first due date of the loan. I am only 30 days late and i get daily calls from them. They have also called my 3 references and left them daily voicemails. 
Harassing me about payments. Today they threatened to take action against me. Im going to pay them. Im just getting caught up after having to pay for daily summer care for my XXXX boys who have XXXX. I will never get a loan from this company ever again. And I recommend everyone to avoid this company for a loan.