davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLOBAL CLIENT SOLUTIONS, LLC (HI)

GLOBAL CLIENT SOLUTIONS, along with XXXX XXXX XXXX are illegally collecting upfront and monthly fees to clients as they HOLD their money to later pay off credit cards debt owners. 

I believe Global client solutions already had a judgment against them by CFPB for this same issue. 

Please investigate both companies for these illegal fees : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (GA)

I have called in twice and am now issuing my request in writing. I had two refunds from XXXX XXXX to my XXXX XXXX credit card, account : 1. {$2600.00} ( refund check issued XX/XX/XXXX ) 2. {$3400.00} ( return posted XX/XX/XXXX ) These credits were issued on different days. On XX/XX/XXXX I called and requested a check for the {$2600.00} credit and on XXXX I called to request a check for the {$3400.00} balance. The first {$2600.00} was proceed with no issue, however, when I called on XXXX I was told that a second check could not be processed until I received and cashed the first but they would watch it and refund as soon as possible and since the first refund check was just released that would not be until the next day. As such, I called back this morning and asked for a check to be issued today. They reiterated that due to internal processing a second check could not be issued until I received and cashed the first - which is unacceptable. One refund is not contingent on the other and I am officially requesting that the remaining funds be released today, XX/XX/XXXX. I understand there is a processing period needed but this is truly unacceptable. I had them cancel the check on XXXX the check never came- so that we could do one electronic refund of the full amount. I called the week of XX/XX/XXXX to make arrangements for this. On XXXX XXXX I spoke with the representative who said my refund had processed and I should expect to see it on my account in XXXX hours. I called today on XXXX and was told that it was not an electronic transfer but rather a paper check. And again I would need to wait 7-10 business days for it to arrive in the mail. The last time I did this was XX/XX/XXXX for the first check and on XX/XX/XXXX the check was canceled with the understanding that a full refund would be processed electronically. No one can tell me when or why this happened, just that it did and I need to wait patiently. Since XX/XX/XXXX I have been trying to get back my {$6100.00}. It's XX/XX/XXXX and I still have no idea when I will actually get a refund. Please assist as I can't get a clear answer on the phone and no one is responding to my e-mail- screen shots of unanswered e-mails attached.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letters, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I started and signed my RESPA with 5th3rd bank on XXXX I was told for the next three months that my application was good and my file was moving well. I have multiple emails, texts, from XXXX XXXX XXXX number XXXX that the file was working. He called my realtor and told them all was good. He asked me multiple times for more documents which I have email proof I have provided. He then went missing and I was forced to call his manager XXXX XXXX. XXXX XXXX informed me that XXXX never submitted my application and was lying to me throughout the entire process. He then stated he would get me back on track. They asked me for more documents which I provided and then told me we would be closing soon. Then they both disappeared as my closing date came. I asked what the status was and they said they would get back to me immediately that was four weeks ago. This person took my personal information by email told me that not to do it through the secure portal 5th 3rd provides. I am afraid he may have stolen my info and also I am not able to close on my real estate transaction that is closing me roughly {$1200.00} a day in rent loss. Neither will respond so I attempted to reach out to XXXX XXXX XXXX manager with no response. Basically, I have missed my contract, lost money, and have been scammed.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tri-Counties Accounts Adjustment Bureau (CA)

On XX/XX/2021 I reached out to the company ( Account recovery services ) and the phone number ( XXXX XXXX ) was disconnected, I searched for a second phone number online and discovered that the business was permanently closed. The account still appears on my credit report for the amount of {$460.00}, however this was paid in full nearly 2 years ago.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

American Express has the most XXXX supervisors who seems.like just passed out from grade XXXX in school,, they can't follow up anything and blatantly lie on the phone. And their talented executive office just provides a one liner to the customer " we are sorry for what happened ''. 

On XXXX morning, I spoke with a supervisor named XXXX who couldn't follow up with my inquiry, he had no clue what to answer how to answer, and he is a supervisor. What is he exactly supervising? His own XXXX? I asked for his manager and he scheduled the call for the same day after XXXX LA time. 

I call again on XXXX and operator says the executive office will call me on XXXX during business hours. I am not going to cancel all my work just to speak to a manager from Amex. Amex can not keep up to their phone appointments with customers, that's quite obvious by now and top of that provide fake misleading phone appointments like XXXX. 

On XXXX I again spoke with a thick accented supervisor who could not follow the transcation list one by one when I was going with him all the transactions. I have more important things to do in life and can't spend hours and hours on the phone with XXXX XXXX supervisors from Amex. 

There is an issue with my recent transaction list and I can't seem to talk to anybody about it in Amex because your supervisors are all XXXX who can't follow up nothing. 

Your job does not finish by using the word sorry.
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

I opened an account with Coinbase almost a year ago with {$10000.00}. I invested it all in XXXX. I have almost XXXX shares worth approx {$55000.00}. My company has sold and thus my email address is not longer in service. I can not verify my coinbase account any longer. I emailed coinbase 3 weeks ago to advise them of the problem. They advised in email to open a new account with a new email address, get verified and let them know when done and they will transfer everything from my old account into my new account. I have done all of that and did email them multiple times with no response. I am in need of assistance in gaining access to my account again. Once I do, I will transfer it to a much more reputable company. 

Thank you very much for your assistance. 

Regards, XXXX XXXX
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have mailed my driver 's license and social security card to XXXX XXXX, XXXX, and Equifax. ( XX/XX/ } certified to prove my identity and address. On my XXXX, an Equifax has duplicate names including the last name XXXX that do not belong to me. I understand also soft inquiries are not an issue, but it is to me ; I have not applied for any utilities such as XXXX XXXX XXXX XXXX, XXXX, etc. it's over XXXX inquiries I am doing my responsibility on my part so, what is the credit bureaus responsibility? They're not doing their part. Yes, I understand we are in a pandemic but are they even taking the time or just do not care about us consumers. We do have rights
Consumer complaint received 2018-02-05
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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (FL)

Hello I have a auto loan with T/D AUTO FINANCE THEY ARE REPORTING MY ACCOUNT AS ( DISCHARGED THROUGH BANKRUPTCY / CHAPTER XXXX/ THIS WAS NOT INCLUDED IN THE BANKRUPTCY. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT REFLECT A NEGATIVE MARK TIL 2025. THIS WAS ALWAYS PAID ON TIME TIL THIS DATE. THANKS
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OK)

I mailed 3 certified letters with return receipts, first letter was sent out XX/XX/XXXX an received XX/XX/XXXX asking Lexisnexis to Verify Public Record of Bankruptcy or to delete account also included was a letter from the Court saying that " they do not give or sell any information to third parties '' and I never got anything back from lexisnexis nor did they mark the account under dispute or notify the 3 credit bureaus of the dispute. On XX/XX/XXXX I ordered my consumer report to see if lexisnexis might of marked the account under dispute but they didn't. Second letter was sent out XX/XX/XXXX an received XX/XX/XXXX it was a follow up letter do to lexisnexis not replying to my initial letter an how they violated federal law. Lexisnexis took 24 days before acknowledging my second dispute an on that 24th day of XX/XX/XXXX lexisnexis then marked the Public Record of Bankruptcy under dispute, but did not notify the 3 credit bureaus of the dispute and on XX/XX/XXXX which equals a total of 66 days from initial letter with follow up letter to get a response lexisnexis replied claiming they Verified that Bankruptcy is accurately reporting to my consumer report but lexisnexis also failed to provide me with a copy of any viable evidence showing the account is being reported accurately. Third letter was sent out XX/XX/XXXX asking for Method of Verification and asking lexisnexis to send documents of proof or to delete the account and on XX/XX/XXXX lexisnexis then responded claiming they Verified that Bankruptcy is accurately reporting, once again with out Providing Documents of Proof or showing Method of Verification. I have attached all documents to support my complaint.
Consumer complaint received 2018-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Hi my name is XXXX XXXX user in coinbase/XXXX XXXX XXXX, my email address at coinbase is XXXX On XX/XX/XXXX I made a domestic transfer for XXXX $ from my commercial account named XXXX XXXX XXXX from XXXX XXXX, and I forgot put the Recipient Instructions/Message XXXX here are the payment details Username : XXXX Entered on : XX/XX/XXXX XXXX XXXX Company : XXXX XXXX XXXX  User Name : XXXX XXXX Approved 1 on : XX/XX/XXXX XXXX XXXX  BankReceived on :XX/XX/XXXX XXXX XXXX First Confirmation Number : XXXX Entry Method : Freeform   Status : Bank Received Account Type : ABA Bank Code Look-up Bank Code : XXXX Bank Name : XXXX   XXXX XXXX Beneficiary Bank Address 1 : XXXX XXXX XXXX XXXX Beneficiary Bank Address 3 : XXXX XXXX XXXX State : NY Account Number : XXXX Payment Total XXXX USD to 1 Beneficiary on XX/XX/XXXX I've sent several e-mails. they keep giving me an automatic response. they haven't tried to contact me. I need my money back or id like to have the funds on my XXXX  account.
Consumer complaint received 2021-11-05
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. (CA)

I have disputed withe all 3 credit bureaus about 30 day late payments on my credit report. The credit bureaus investigation results said that the lates are factual but are false.On XX/XX/2021 I received a letter from creditor stating that they have done an investigation with the credit agencies and did not find ANY reporting of delinquent payments! The bureaus still have not removed the derogatory marks from my records.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (SC)

On the dates of XXXX and XXXX of XXXX and XXXX of XXXX it shows as late payments on my credit report. On those dates I sent payment in but the credit card company stated they didnt receive the payment but when I reached out to my bank they said the payment was taken out. I called in and customer service rep stated they could have been having website issues at the time.
Consumer complaint received 2019-08-22
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2023-06-12
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. (MD)

This is XXXX XXXX and I am submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX MO XXXX Mo 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (TX)

We live in XXXX, TX near XXXX  and was our house was flooded during hurricane Harvey. Our mortgage was through XXXX XXXX XXXX. They granted us a 3 month forbearance which would of been up in XX/XX/XXXX '. During our forbearance in the beginning of XX/XX/XXXX ' they sold our loan to Freedom Mortgage. I contacted Freedom to discuss the forbearance which they were aware of. We sold our house and paid the loan off in full on XX/XX/XXXX. In XX/XX/XXXX' we received a letter from our credit protection agency stating Freedom Mortgage filed a 60 day late payment to both my and my wifes credit. We contacted Freedom and the person we spoke with told us that the report shouldn't of been made and they would take it off. 30 days later we received a letter from Freedom stating that the filing was correct. We contacted Freedom Mortgage again and they again stated that the filing was incorrect. We are trying to get financed for a pool and this negative reporting has wrongly lowered our credit score over 50 points. They keep telling us that they will correct but have taken too long to do so.
Consumer complaint received 2018-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (OH)

I called Chase Freedom on XX/XX/XXXX and asked if they also had a 0 % interest promotion they could activate on my account, like the one I had just activated on my XXXX for the next year. The agent advised that it had been activated and would carry through XX/XX/XXXX. I was very pleased with the quickness of the activation. I assumed that it was through XX/XX/XXXX, like XXXX 's was, and immediately switched to this as my primary card. During the holidays, I set up auto payment for minimum amount due, not worrying about interest based on the phone conversation. On XX/XX/XXXX, I reviewed my statements and noticed I was being charged 12.99 % on all of my purchases and the activation I was promised had never been activated. I called Chase to see if they could rectify the situation. On XX/XX/XXXX I was contacted by the Chase Bank with a " resolution. '' I was driving and unable to write down the exact details. She had reviewed the call and was offering a resolution. She advised me that the agent on the call had " misunderstood my question. '' She said the agent thought I was asking about a quarterly promotion and not the 0 % promotion I had clearly asked about. She stated there was " opportunity '' on the call for the agent to have been more clear and to have listened better. She offered as a courtesy to refund 2 months of interest, but advised I will immediately, on my next billing statement due date of XX/XX/XXXX,  have to assume responsibility for the 12.99 % interest, ( approximate {$90.00} a month, ) until I am able to pay the bill down. This is not what the original agent had agreed to. This is deceptive and unfair. I could have placed all of these charges on my XXXX and be enjoying 0 % interest, if their agent hadn't " misunderstood me, '' and provided an incorrect answer to my question. I also wouldn't be spending my free time trying to rectify the issue, first with the bank and now through you. My time has value. The person who called me back advised that I must not have heard the agent say that it was and XX/XX/XXXX through XX/XX/XXXX promotion and so it is my fault for not listening closely enough. Now, if I want to transfer the balance to my XXXX I would be responsible for a 3 % transfer fee. So, I'm left paying either a transfer fee or a monthly interest fee of approximately {$90.00} because of their agent misunderstanding my question and providing me incorrect information. I am not able to pay the balance off immediately and this is due to the bank agent 's error. I am hoping you can help me reach a fair resolution. Thanks for your time in processing my complaint.
Consumer complaint received 2021-04-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (HI)

AmeriHome is not complying with the CARES Act. AmeriHome has actively deceived me. I asked for a deferment for my VA-backed loan. AmeriHome activated a loan modification instead of the deferment, with very unfavorable terms, without my consent. 

Forbearance period XX/XX/XXXX through XX/XX/XXXX. 
Requested deferment XX/XX/XXXX AmeriHome sent Loan Modification instead of deferment. XX/XX/XXXX Contacted AmeriHome XX/XX/XXXX. They refused Deferment option described in the CARES Act for VA-backed loans.

AmeriHome is trying to bully homeowners into foreclosure or unfavorable loan modifications without following the CARES Act. AmeriHome is a collections agency. They have no incentive to help homeowners. Talking to the collections agency employees makes it clear they want to foreclose or charge huge fees for loan modifications.
Consumer complaint received 2022-04-29
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2022-04-29
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. (IN)

Attached is a dispute letter that i sent to Experian that details the items on my credit report that i requested a verification on. I made it clear that my request was to validate that the items on my report were in fact true. It is my belief that the items detailed in the letter did not recieve the proper attention by the letter of the law.