davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KS)

The second mortgage held by Fifth Third Bank was discharged in bankruptcy in XX/XX/XXXX, and was not reaffirmed. We have no personal liability for the debt. We have been unable to make payments toward the debt from XX/XX/XXXX through the present. Our home appraises with negative equity, it 's " upside down. '' We have recently had the opportunity to borrow a small amount of money from family and friends to attempt to release the lien on the property. We have offered a lump sum payment to Fifth Third Bank on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, as well as several times in XX/XX/XXXX, including today, XXXX XXXX, XXXX. Fifth Third Bank has been belligerent to us repeatedly regarding the same, and has refused to negotiate with us in good faith. They have stated that they want the full unpaid principal balance paid. We have provided documentation to show financial hardship and a willingness to pay to release the lien, and they refuse to cooperate.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (TX)

My bank account has been compromised I am a victim of identity theft I have contacted bbva multiple times to ask for help in this matter and advise them of transactions I did not authorize have been charged to my account. It has been an ongoing month long battle with customer service and the fraud department to fix this. I call once a week sit on the phone for hours with different reps and supervisors who all have not been able to resolve this matter. Now I am being penalized and my account is being closed in 30 days for something I had no control over. After being a 10 plus year patron of this bank my account is being closed and not replaced. When I am the victim in this I am losing my account, I all ready loss money that BBVA still has not retrieved from the thief that gained access to my account.
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX I made a purchase for {$290.00}. I returned the same day and got the amount refunded to my card. On XX/XX/XXXX I still had not recived the refund so I called the prepaid card company and they filed a dispute. I have called everyday to check on this because I really needed the money back. XX/XX/XXXX there was a entry on my statement online " merchant credit hold for review '' they are stating that they recieved the refund frim the merchant but are " reviewing '' the transaction. They say they have up to 7 more days to hold the credit. They will not release the hold.
Consumer complaint received 2021-09-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aldridge Pite, LLP (WA)

CLEAR RECON CORP with XXXX  and XXXX are engaged in CRIMINAL ACTIVITY : CONSPIRACY, HARASSMENT, EXTORTION, and FRAUD ; against the consumer. 

In XX/XX/2019, the consumer rescinded an unsecured loan with XXXX XXXX due to a breach of trust. Accordingly, all trust relationships were legally terminated under the Void ab initio and fraud vitiates everything Doctrine. See Exhibit-1. 

There is No loan - legally rescinded ; There is No lien - legally released ; There is No deed of trust - legally terminated ; and There is No controversy with the deed - legally re-conveyed. 

FRAUD : 1. This account was opened without the consumers knowledge and without the consumers consent. 

2. The consumer DID NOT request to open this account and the consumer DO NOT have a written agreement to open an account with CLEAR RECON CORP ( no communication ; no signature ). 

EXTORTION 1. The consumers first contact with CLEAR RECON CORP was a fraudulent notice of default. 

2. CLEAR RECON CORP claims to be a Trustee, but the consumer is not aware of any appointment of this fraudulent creditor/trustee. 

The consumer is seeking relief from the ongoing conspiracy, harassment, extortion, and fraud.
Consumer complaint received 2019-06-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (TX)

I XXXX XXXX do not nor do I recognize an account with Ad XXXX XXXX XXXX- File # XXXX. 
Nor do I acknowledge that I owe them a debt or any amount of money. 
I have previously sent them a cease and desist letter to stop reporting inaccurately on my credit reports but they persist. 

They sent a letter admitting that they are not the original creditor and have no contractual relationship with me. The amount listed is incorrect and and so is my social security number they have listed which I'm not sure where they got that from. 
This could be a form of ID theft since I believe this was originated online. 

I am attaching the cease and desist letter that I sent them originally and the response letter they sent. It shows no original documentation. 
No chain of title if account was purchased. No signatures by me.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

Experian sent me letter in response to dispute about to collection accounts saying that I need to give them proof like a cancelled check, letter of discharge from bankruptcy or letter from the IRS, however I submitted a copy of my letter from the IRS stating that I 've been the victim of identity theft. This was my second dispute, for the first one I was given a letter saying the account was " Verified '' however, they refused to provide any proof. I contacted them to explain to me about verifying the account, they stated they would put a fraud alert on my account and look into it.
Consumer complaint received 2022-08-10
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. (SC)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (TX)

I do not know who charge this alarm in my name? I have lived in my house 28 years, I have never lived at this home where the alarm was installed or signed my name on any document allowing these charges to be in my name, I did not know anything about this charges until it appeared on my credit report. The collection agency has no sense of urgency to correct the problem, other than file charges on the person whom used my name, Police department has no direction, how can they just add a collection to my credit for 7 years when it is not mine?
Consumer complaint received 2016-02-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery services, reports in accurate reporting dates and amounts. The date of the initial collection was XX/XX/XXXX-XX/XX/XXXX and is around {$200.00} dollars. I paid several times on the account and it has an inflated rate of almost {$360.00} dollars and an opened date of XX/XX/XXXX. This account is 7 years old or pretty dang close. The account number is XXXX
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, my Citibank Visa anywhere Costco card was fraudulently charged for $ XXXX. I reported the fraud charge when the charge showed up on the Citi cards App on XX/XX/XXXX. Initially thought i had the credit card with me But after the fraudulent charge showed on the App, i realized that i had lost the card. 
Citi bank denied the fraud ( XXXX called me on XX/XX/XXXX ) & told me to contact the merchant. I told her that i don't recognize the merchant or the charge so how can i contact the merchant? 
Call the Citi bank the next day & talked to XXXX XXXX XXXX ( supervisor ) who advised me on XX/XX/XXXX to open a dispute case - XXXX PST & asked me to file a police report and open a dispute case. XXXX looked up the merchant and there is no telephone listed for the merchant & gave me the address of the merchant which was listed. 
I filed the police report # XXXX at XXXX XXXX XXXX XXXX Tel # XXXX ) and opened a dispute case # XXXX with Citi bank. Police Report details were provided to Citi bank representative XXXX on XX/XX/XXXX at XXXX PST. I was told that it can take two billing cycles or more to resolve the dispute case & to call/look for update on Citi cards App after two months. 
Meanwhile I paid the credit card bills which included the $ XXXX charge. 
I called them for dispute status on XX/XX/XXXX ( talked to XXXX, XXXX, XXXX XXXX and was told that it would take another 2 to 4 weeks. 
Called the Citi Bank XXXX XX/XX/XXXX XXXX PST & talked to XXXX XXXX Dispute Dept ) & explained the whole scenario and was told it would take another 2 weeks. 
Called Citi bank on XX/XX/XXXX XXXX PST, talked with XXXX XXXX Dispute dept ) and XXXX Supervisor and explained the whole scenario. 
Received an email from Citi bank on XX/XX/XXXX that said that they can not open a dispute for this transaction as its more than 60 days old. 
Called Citi bank on XX/XX/XXXX XXXX PST- requested the case be escalated & talked to XXXX ( manager ) and explained the case again. She said that she would ask the XXXX who is the investigator on the case to call me on Tuesday XX/XX/XXXX. But i have not received any communication from the investigator as of today XX/XX/XXXX. 
I have run out of options with Citi bank and would like to file a formal compliant with CFPB to get this resolved.
Consumer complaint received 2019-02-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (MD)

After getting my XXXX and my first job as a XXXX, I started repaying back my XXXX student loan. I began to notice that the monthly payments were rising quickly because the loan was not fixed. I decided to refinance with a fixed rate with my mom as the co-signer. We were shocked to find out our refinance was denied due to my credit report. We finally were able to speak with a representative from the lender to find out more specifics of the credit report. The student loan that was taken out through my mom 's XXXX XXXX   XXXX XXXX was listed as a " line of credit '' and showed up as such on my credit report. After many many calls to the original lender, processor and XXXX XXXX, we find out that indeed this is the way the students loans were packaged so that the university could draw on the account each semester. We were obviously not aware that this could adversely effect my credit. Since it is listed as a line of credit, my numbers are off even though my credit score is extremely high. This has affected my ability to refinance as well as my credit for anything else I might apply for. Effectively leaving us with no options and at the mercy of the current raising rates. No one has been able to assist us and we have received quite the run-around in trying to figure out how to proceed with no resolution.
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CONTRACT CALLERS INC (GA)

I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level fraud by putting this on my credit before contacting me as I have been at the address for years.
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

A lady from the debt collector phoned my father and gave him information, the phoned him a second time giving him the alleged case number on account that was closed in 2008. On that same day she phoned my mother and my ex mother in law.
Consumer complaint received 2016-08-16
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I hope this complaint serves as a reference to improve the policies in place for citizens of a different country in the same condition as mine. 

I 'm a XXXX and arrived to the US two weeks ago. I 'm currently receiving financial aid from the Missouri government, to be more specific from the Family support division and I have tried to cash in unsusesfully the cheque I have received. I went to the closest XXXX store and a Bank of America branch for this purpose, and I was told that without a SSN or a US ID I could not cash in the cheque. I already applied for a work permit but it will take a few months for me to get it. Only after I get the work permit I 'll be able to apply for a SSN and that is going to take a bit longer. This is a challenging situation for someone who has been XXXX in the US and is in the process of getting the US documents. I 'm receiving the social aid cheque, but I ca n't do anything with it. There should be a special procedure for unusual cases like mine where an individual should be able to do this sort of transactions or open a check in account in a bank without having some challenging policies in place.
Consumer complaint received 2017-04-13
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

When I went to One Main Financial on XXXX in XXXX to finish the paperwork for my installment loan I was asked about purchasing an Auto Plus Plan for an additional {$13.00} a month for 5 years and I told the loan officer I did n't want t hear anyone about it but he said " listen to me you have to listen to me '' and contributed to read everything about it. After he was finished I declined the offer. The branch manager, XXXX, sitting behind him said " I heard you decline that Auto Plus Plan? Why? '' I told him I was not interested and he continued to argue with me pressuring me to buy this and it had nothing to do with unsecured installment loan I was in there to finish up. I told him that I was not comfortable with it the pressure they were giving me to purchase this product. I feel this is unethical to try to push products unrelated to the loan I 'm taking out and pressuring me to buy it and when I decline to continue to push and question why not and this was manager pressuring they was ease dropping on my conversation with loan officer I was dealing with. It has really bothered me that they are able to push products like this on consumers.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (OH)

I was set up for autopay with Discover because I was promised a lower rate and payment when I came off of the hardship program. I came off of the hardship program and not only did my rate and payment not lower, they also suspended my account. I called on XX/XX/19 and advised them that I was removing the autopay from the account and I physically took my bank information out of their website so that they couldn't pull the payment. So, I told them verbally on the phone and then removed my bank account info from the account. My payment is not due until XX/XX/19 and apparently they started pulling my payment as soon as I said I was cancelling the autopay. they pulled the payment without my consent or knowledge and over drafted my bank account. I called to have them reverse it and they refused. First they confirmed that I did cancel on XX/XX/19 and transferred me to another department who either wasn't in yet or just didn't answer the phone because my call was disconnected. When I called back, they had changed the notes in the system and said that I called on XX/XX/19 to stop the autopay. I explained that I called on XX/XX/19 and asked that they return my payment to my account along with the XXXX overdraft fee that they caused. They stated that due to the notes made by the person I spoke to on XX/XX/XXXX, they could not return my payment, I asked what notes could that be since I flat out told them DO NOT PULL MY PAYMENT I AM CANCELLING THE AUTOPAY. All he could do was repeat that they would not return the money to my account even though my payment is not due until XX/XX/19. They stole from me in my eyes. They took a payment when they were told in no uncertain terms that they were not authorized to take. And then they changed the " notes '' in their system in order to back themselves up. I want my money back and I honestly would like theft charges filed against them.
Consumer complaint received 2018-03-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have contacted XXXX XXXX XXXX regarding Account # XXXX & XXXX at the address listed below via certified mail on XX/XX/XXXX and XX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts and nothing showing any signature or authorization. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) XXXX is not bonded with the state of Texas to collect any debt. 
Collection Agency Information XXXX Account Type Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC. (NC)

I use to live at XXXX XXXX in XXXX. When I left XXXX I paid my rent in full even for the time I was n't there. I paid with a cashiers check. I later found the company was on my credit report for XXXX . I have contacted them several times no one can tell me why. The apartment was left in very good condition. All furniture and items were removed. Now its show on my credit report. I have disputed it several times .. I 'm asking that this be removed from my credit immediately. Its being reported under Capstone credit collection. XXXX
Consumer complaint received 2017-04-20
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc. (TX)

from  XXXX -2017 I have been asking AMSHER COLLECTIONS SERVICES for VALIDATION of this debt that they claim I owe them. I have send letters to all the major credit bureau requesting validation and they always tell me that it has been verified by the company through a computer system that sends codes, what is that, that 's not fair to Consumers I need physical verification or validation that is determineing I owe this Debt no he say she say
Consumer complaint received 2017-07-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

My husband and I sent a letter to the credit bureaus XXXX XXXX 2017 asking them to investigate numerous issues we had on our reports. They responded to my husband but sent nothing about me, even though my information was in the same letter!
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

I have late payments reporting on MY Credit file which has been removed by the following companies XXXX it 's showing XXXX late payment & lt ; should be showing zero & gt ; I made an agreement with the company and they removed all late payments, and its still showing up on my credit report. 
Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type XXXX Status XXXX - Paid Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$2500.00} Term -- XXXX {$0.00} Responsibility XXXX Balance {$0.00} This is the XXXX XXXX XXXX XXXX showing XXXX missed payments which are inaccurate as well. 
XXXX XXXX is showing XXXX missed payments i sent in Goodwill Letter to creditor and they removed all missed payments because i signed up for auto pay. Still reporting on my credit file. 
XXXX XXXX XXXX XXXX, XXXX Open - Current XXXX Missed Payments They also removed all missed and late payments when i signed up for Auto pay along with Goodwill Letter. 
I disputed these accounts and late payments with the credit beareau and they say its a valid debt and when i contacted creditor, they say the info is innaccurate and they dont have any missed or late payments showing which further lets me know that the creditor is validating my debt illegally and falsely.