davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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. (MS)

Equifax claims to have resolved my dispute and sent my results via mail. However that is false. Equifax never investigated this matter or resolved the issue. Please see attached what exactly is was that Equifax mailed. They did not send any results on a letter claiming to not be able to verify my identity per the re-investigation that was suppose to see place. Also see the date that they sent it.
Consumer complaint received 2020-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

HI, the exchange Coinbase are restricted my account, without no reason, I can't buy/sell or withdraw any digital asset into a digital secure wallet, I can do nothing even try to delete my linked methode payment, to create a another one but everything is stuck, I try to check Identity with passeport, ID CARD, driver license every is fine but my account still restricted, many case was open but Coinbase support no response. 
many people have a same issue you can see on XXXX. Please can you help me ans everyone ha the same issue with coinbase? 
thank you Mr XXXX
Consumer complaint received 2017-03-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bread Financial Holdings, Inc. (AZ)

This is a complaint from XXXX ( consumer ) against XXXX ( creditor ). XXXX Bank has unfairly and deceptively misrepresented its mailing address, making it difficult for consumers to contact it and resolve disputed debts. 

As of XX/XX/2017, XXXX is reporting an open collection account on Consumer 's XXXX credit report [ see exhibit A ]. Consumer does not recognize this debt, so on XX/XX/2017, consumer ( through legal counsel ) sent a written request for documentation to the contact address provided by XXXX in the credit report which requested documentation regarding the original debt [ see exhibit B ]. 
On XX/XX/2017, the letter was returned to sender and marked as " Not Deliverable as Addressed. '' [ See Exhibit C ] This letter was sent to the address listed as the creditor 's contact information on page 38 of consumer 's credit report. Despite a records and internet search no other mailing address, phone number, fax number or email address could be found. Without a valid mailing address, XXXX can not obtain information regarding the debt and therefore can not make an informed decision about it. 

XXXX is a sophisticated party in the consumer debt industry and is aware of the need to be available for consumer inquiries. Knowing this, XXXX has made it virtually impossible for a consumer to initiate communication with it. I can only surmise that XXXX 's isolation and obscurity is intentional and for the purpose of unfairly frustrating, deceiving and abusing consumers.
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (PA)

Several months ago, my XXXX cell phone XXXX was hacked and for two months I had charges of over {$5000.00} on my bill. Now I am a XXXX year old senior citizen who never texted, and rarely even used my phone, and my phone bill rarely exceed {$55.00} a month. After two months of back and forth with XXXX the charges were determined to a result of someone in the XXXX, area, where I have never been using several numbers on my account. I have lived in XXXX for XXXX years. When all was said and done, XXXX sent me a bill for {$110.00} which I do not owe. I have since moved on to XXXX. In addition to letters and a recent phone call from Sunrise Credit Services trying to collect this debt. I do n't need this harassment at my age and fixed income.
Consumer complaint received 2023-03-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: FlexShopper, Inc (TN)

Today I entered a chat session with a XXXX rep to enquire about the balance on my account because no balance ever appears on the account. I was told that my balance was XXXX. So I made the XXXX payment and immediate was advised that my payoff would be XXXX. No explanation as to why I was told one amount and then added an additional amount once paid.
Consumer complaint received 2016-04-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: JPMORGAN CHASE & CO. (AZ)

Chase assessed {$2000.00} interest on a {$6000.00} loan. They have never sent a statement so I can pay the interest charges as I do on my daughter 's other loan. I want to pay the interest going forward but I need statements. I also want the {$2000.00} rescinded since we were not made aware of it at ANY time from Chase. They lied and said they sent statements. They have never sent a statement to any address my daughter or I had. And I was int he same place for 14 years.
Consumer complaint received 2015-11-19
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (CA)

Citibank states that I requested a permanent stop payment on XXXX. In 2013, I requested a one time stop payment for XXXX because I did n't want my account to overdraft. Because of this, my account with XXXX has been closed due to no payments. Every single time since 2013 that I have called Citibank, they did not disclose this information.
Consumer complaint received 2015-04-09
Product: Other financial service — Check cashing
Issue: Unexpected/Other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear CFPB, I contacted Bank of America to close out my health savings account on XXXX XXXX, 2015. Bank of America advised me that the account would be closed and I would receive a refund check for the funds that were in the account. I received a check from BOA in the amount of {$570.00}. On XXXX XXXX, 2015 I deposited the check BOA owed me to my XXXX bank account. On XXXX XXXX, 2015 to my horrific surprise BOA reversed the check causing my bank account to be overdrafed and causing financial harm. I contacted BOA directly to find out why they took my money on XXXX XXXX and the response I received was, " We are sorry the check was reversed, we have been advised by other consumers of the same issue and we are working to escalate to find out why this happened and will contact you the latest Friday XXXX XXXX. '' Not only was BOA not helpful, they did n't not return my funds. Due to their incompetence, I now have to pay a reverse checking fee and overdraft fee. This is unacceptable and unethical what BOA has done to me. I am a hard working single woman who should not be penalized due to BOA terrible mistake. The worst thing about the entire situation is that they could not tell me why they took my money they owe me. I hereby demand that the {$570.00} be returned to my account immediately along with the {$22.00} for reverse check and overdraft fee I now have to pay. BOA has not only violated UDAAP laws, they have also caused stress and financial issues on my part for what they did.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (TN)

I needed to change the bank BB & T Bank used to Automaticly Draft Payment from. On XXXX/XXXX/2015, I went on the BB & T websit and changed the bank from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. My {$590.00} payment was set up to be withdrawn, but since my XXXX 2015 payment was due the next day, and BB & T Bank website noted it would take at least XXXX payment cycle before my payment would be automaticly drafted, I elected to pay the {$590.00} payment immediately. The next day, XXXX/XXXX/2015, BB & T automaticly drafted another payment of {$590.00}. So, I called BB & T Bank and asked for EXTRA payment to be refunded. I was told to go to my local BB & T Bank Branch and fill out and sign some forms and provide a copy of my bank printout showing the BB & T Bank withdrawals from XXXX XXXX XXXX. So I complied with both requests. One week later, I was called again by BB & T Bank saying they could not fullfil my request because I had not sent the copy of my bank transactions from XXXX, I explained, I had, they said they would contact the branch. Later they called me back saying it would take them another XXXX business days to wire the funds back to XXXX. It is now XXXX/XXXX/2015, I checked my BB & T Bank Mortgage account and the funds were finally taken back out on XXXX/XXXX/2015 ( 15 days after the error ) but still had not been sent to my XXXX XXXX XXXX checking account. I hope it is not legal for them to keep holding back my money, because I am having to pay 15.50 % interest on this money they are keeping from me.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

On XX/XX/year> a letter was sent to XXXX, Equifax and XXXX to remove inaccurate personal information and any errors from my credit report and it is now XX/XX/year> which they have not removed anything the incorrect information is still currently on my credit report
Consumer complaint received 2021-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thunderbird Collection Specialists, Inc. (AZ)

Occurred on XX/XX/2021 around XXXX. XXXX called AGAIN about a debt that was paid over a year ago and harassed me once again by telling me I was dishonest about a " confirmation number '' I gave him. I have received repeated phone calls from him about a debt that was already paid. Today he hung up on me when I was trying to provide him with even more proof the debt was paid through TCS. His own company. This time I emailed a screenshot and forwarded the receipt to him. I want the harassment to stop for a debt paid over a year ago.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (IN)

GLAis continuing to report a item on my XXXX report that is fraudulent. The item is currently under investigation with the FTC, yet XXXX is still attempting to break FCRA guideline by reporting the fraudulent item on my XXXX  report.
Consumer complaint received 2017-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK (CO)

Just got paid today, X/XX/2017, so I wasnt worried about my checking account, imagine how I felt when I submitted by debit card for payment only to have it declined. Rushing back to work I went online to check my account status. A payment service connected to a online purchase I made charged me for that service, but also charged my account {$39.00} 17 different times!!!! It probably would have been more, but that and other legitimate charges emptied my account. I immediately called the bank. They advised contacting the company and getting the charges removed. I did that, but customer service was not helpful. They needed to forward my compliant to the billing department, which they could not connect me with directly or give me someone else to speak with. They said Id be contacted with 24 to 48 hours. Im broke. They have my money fraudulently and I have to wait for them to investigate. Spoke with the fraud department at my bank, XXXX XXXX XXXX XXXX. They were not terribly helpful either. They cancelled my card, and inconvenience Ive have to go through just a couple of months ago due to a similar problem, and too, will investigate. My question to them and that Im relating here is why something as clear a case of fraud or just some type of mistake takes two or more days to deal with. I asked the banks fraud rep how this could possibly slip through their security software? 17 identical charges, same amount, same charge description one after another and all Im getting is an apology. I dont know how I going to get back and forth to work in the next few days, because someone stole my money from my bank account and the best they can do is apologize. Banks feel free to add fees upon fees to their customers accounts do to honest mistakes made by the customer. But when the bank fails to protect a customers money, you get sorry, dont know how this happened it shouldnt of happened, sorry Not good enough. Not by a long shot. Where the XXXX is my fee?
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion responded that the XXXX fraudulent accounts that were a result of id theft by XXXX wireless were verified and I needed to contact XXXX which I have did already! I have provided both XXXX and XXXX with the info from the us doj that proves I am a victim of identity theft and yet they continue to report info based on info that was a result of id theft!
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Asset Agency, Inc. (AL)

I received a notification on my credit report ( XXXX, experian ) showing this company had put a collection account on my report that I knew nothing about on XX/XX/2022. I never received any notifications in the mail stating of this account so I am not sure where this account came from. They gave me no written or verbal notification prior to putting this account on my credit report. I have no clue who this company is, or whom they represent. When I attempted to call the number that was on the report to see whom this company is and what this debt is about an actual person picks up the phone and says this isn't a company number but this is his personal cell phone.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TN)

Southwest Credit Systems XXXX XXXX XXXX XXXX, TX XXXX Southwest Credit Systems ( SCS ) of XXXX, Texas sent a letter to Mr. XXXX XXXX alleging a debt owed from XXXX XXXX. Mr. XXXX has communicated with XXXX regarding this debt and demanded proof of the debt including a an agreement with Mr. XXXX 's signature. XXXX has failed to provide such document because they do not exist. SCS, acting on behalf of XXXX or as a purchaser of the debt or has sent notice to Mr. XXXX regarding the debt. Mr. XXXX has always has and continues to deny the validity of the debt. Upon communication with SCS, SCS representatives have advised Mr. XXXX to either file suit in U.S. District Court for the XXXX District of Tennessee, file complaint with the Consumer Financial Protection Bureau, and the U.S. Department of Justice. Prior to taking further action, Mr. XXXX demands that SCS cease and desist from any collection, credit reporting, or other practices that involve Mr. XXXX. Mr. XXXX also demands that SCS produce the following : Validation that SCS is the furnisher of the debt. 
Signed documents with Mr. XXXX 's signature exhibiting any agreement with SCS.

Any legal agreement allowing SCS to collect a debt from Mr. XXXX Should SCS fail to provide such requested documents, Mr. XXXX demands that XXXX remove his information from their systems immediately. Furthermore, Mr. XXXX demands that SCS cease and desist from such practices that violate the Fair Debt Collection Practices Act ( FDCPA ) as SCS has perpetuated the collection of an unfair and illegal debt and attempted to collect monetary amounts that are not contractually legal.
Consumer complaint received 2015-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Blakely-Witt and Associates, Inc. (TX)

I called Barkley Witt and assoc.on the XXXX initial contact and the collection rep did not disclose the attempt to collect a debit and I called again to get a break down on what was owed and the rep was very rude and hung up in my face before I could give home the reason on my call, I called again and he gave me my balance and did not disclose again.
Consumer complaint received 2016-10-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

We settled a dispute with Chase regarding a mortgage loan on XX/XX/XXXX. They had n't reported on the loan to the credit bureaus since XX/XX/XXXX. Then, on XX/XX/XXXX, they reported us XXXX days past due. We do not even have a loan anymore with them to pay, yet alone be behind on. This is in clear violation of the Fair Credit Reporting Act, and yet one more malicious act on their part. I contacted Chase 's attorney to request removal and correction ; only to be ignored. This account needs to be reported as closed with a remark as settled for less than full balance per the Fair Credit Reporting Act.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I did not authorize the credit inquiries that are listed on my Equifax Credit Report that I reviewed on XXXX/XXXX/2016. Please see pages XXXX of the attached credit report. Due to the rising incidences of identity theft, I would like the unauthorized inquiries investigated to determine who authorized them. I would also like the unauthorized inquiries deleted.
Consumer complaint received 2017-12-25
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)

The details of my complaint are as follows : XXXX XXXX, I am checking on your reaction response dated XX/XX/2017. 

Pursuant to the Fair Credit Reporting Act, you are notified as follows : XXXX XXXX specialists have victimized people with handicaps. 

Past undertakings to rent rental unit have failed or purpose behind Civil Court History have changed.

Common Court History query items ought not be utilized to dismiss applicants.
Consumer complaint received 2015-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (FL)

This account is reporting on my credit and i have no idea of this balance being owed as I have not owned a XXXX account. I have been a victim of Identity Theft in 2012 and over the past 24 months I have come across accounts opened and reporting negatively on my credit that were not opened by myself. I have repeatedly requested verification for the account but this company has failed to conform and supply me with information to validate or disprove the account. I ask for assistance and re request full details of how this account was opened ; where and what identification was used for its opening.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The open dates, dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report. 

Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties. 

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NJ)

The XXXXXXXX XXXX  account of {$630.00} on my credit report is being reported as OPEN and this is should be reported as CLOSED and this should be removed from my credit report because of inaccurate credit reporting to the credit bureaus.
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (VA)

My bank, XXXX, is having bill pay issues with Chase. Each company blames the other, with no apparent research into the issues. 

Due to these issues XXXX made identical electronic payments to my XXXX Chase accounts on XXXX/XXXX/16 & XXXX/XXXX/16. Despite these being electronic payments, wherein Chase has complete details of the transactions, XXXX XXXX at Chase has refused to refund the duplicate transactions without documentation that does not exist. XXXX has required me to provide check copies for the electronic transactions, and a statement from my bank showing the transactions, which wo n't be created until about a month from now.
Consumer complaint received 2016-03-09
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Kirschenbaum & Phillips P.C (NY)

A letter was sent to my brother regarding a debt that I owe. The collection agency gave him a copy of a subpoena, which I do n't think is valid. They identified themselves as debt collectors, trying to obtain information to collect a debt and included the amount of money they are trying to collect. I have all this information in writing in a letter addressed to my brother, who lives at a different address. There is a questionnaire to fill out and at the bottom it is threatening my brother with legal action against him. My brother in no way has anything to do with this loan, nor ever had anything to do with this loan.