davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AL)

EQUIFAX IS REPORTING A TEN YEAR OLD DISMISSED CH.XXXX BANKRUPTCY ON MY CREDIT REPORT AND REFUSING TO DELETE IT. THEY ARE RESPONSIBLE FOR XXXX COMPLAINTS AND SOME LAWSUITS. I FILED A XXXX COMPLAINT ON THEM CONCERNING THIS MATTER AND FOUND OUT THEY HAVE XXXX COMPLAINTS AGAINST THEM. I WOULD LIKE YOU TO INVESTIGATE EQUIFAX AND ALSO A XXXX COMPLAINT THAT WAS MADE AGAINST THEM ON XX/XX/2015 BY ANOTHER CONSUMER. THIS CONSUMER FILED A VERY COMPARABLE COMPLAINT TO THE COMPLAINT I MADE AGAINST THEM AND EQUIFAX DELETED IT OFF OF THERE CREDIT REPORT WITHOUT ANY PROBLEMS .SO IT LOOKS LIKE EQUIFAX HAS ITS PICKS AND CHOOSES WHO CREDIT IT RUINS FOR YEARS AND WHY THEY ARE ALLOWED TO RUIN PEOPLES CREDIT FOR YEARS. PLEASE LOOK INTO EQUIFAX AND THE XXXX COMPLAINT DATED XX/XX/2015. I AM REQUESTING FOR EQUIFAX TO DELETE THE DISMISSED CH. XXXX BANKRUPTCY AND TO SEND ME A UPDATED CREDIT REPORT AS SOON AS POSSIBLE. THE FAIR CREDIT REPORT ACT MENTIONS NOTHING IN SECTION 1681 C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILINGS. THEY HAVE NO RIGHT TO MAINTAIN INFORMATION WHICH THE GOVERNMENT HAS DEEMED NONEXISTENT. PLEASE INVESTIGATE THIS COMPANY. THANK YOU.
Consumer complaint received 2016-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (OR)

The original creditor is XXXX, arising from a final bill from an apartment that I moved out of in XXXX XXXX. In XXXX XXXX I received a letter from a debt collector asking for payment of {$140.00}. I mailed a payment via my credit union 's bill pay on XXXX/XXXX/XXXX for the full amount due. The letter, which purported to be from an attorney 's office in XXXX, TN, instructed to make checks payable to XXXX XXXX. 
In XXXX XXXX, I received a bill for the same amount from a separate collection agency for the same debt. The agency is Afni, Inc. After double-checking that I had already paid, I assumed they had some wires crossed, so I ignored the bill. 
Today I received another bill from Afni, so I called them to explain that I had already paid the bill. They are demanding proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by Afni.
Consumer complaint received 2015-05-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Bank rearranges the posting of items to checking accounts in order to collect higher overdraft fees. I had transactions from XXXX/XXXX/2015, XXXX/XXXX/2015 & XXXX/XXXX/2015 leaving a balance of a little over {$12.00} in my bank account. All those items should have moved from pending and been posted to my account, as they show they were on XXXX/XXXX/2015. A new transaction, dated XXXX/XXXX/2015 in the amount of a little over {$44.00} show as pending on my account. The bank then rearranged all the items, to pay out the XXXX item for {$44.00} and then paying several smaller items, therefore ; charging a total of {$140.00} in overdraft fees. Their explanation is that their practice is to pay out the largest items XXXX so that mortgages, rent payments, car payments do n't get turned down and then pay the small items. This makes no sense, as no matter what, I have the setting on my account that all items get paid regardless of funds, so nothing would be turned away. In addition, the smaller items were already moved from pending on the XXXX and the higher item came in on the XXXX ; therefore, they are putting this item before other items already posted to my account. Upon contacting them, they refuse to do anything. This practice is taking advantage of peoples misfortune and only benefits the bank by allowing them to rearrange items in order to allow them to charge several overdraft fees as opposed to only XXXX. My overdraft charge should be for XXXX item for {$36.00} instead, it 's {$140.00}.
Consumer complaint received 2016-08-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (CA)

I found a collection on my credit report. I called the company to tell them it is n't mine. I had already filed a police report with a different collection agency last year. This debt keeps recurring from different collection agencies. Although I offered to send them a copy of a police report made on the same debt last year, they insist I complete their " packet '' so they can investigate. When asked how long this would take, the answer was that they did n't know ; it would take as long as it takes. I feel like I am fighting an uphill battle with these people. The address where the debt originated is on their report, but they say it is my responsibility to prove I do n't there.
Consumer complaint received 2016-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (CA)

The company EOS CCA has been mailing me for the past 2 years trying to collect a debt that they do not own. 

I had a balance to be paid to XXXX XXXX XXXX over 4 years ago. On XXXX XXXX, I called XXXX XXXX XXXX to take care of this matter. XXXX XXXX XXXX told me that the debt was sent to collections and provided me with the info of such collection company - which is NOT EOS CCA. 

The collection company & XXXX XXXX XXXX collaborated so I could pay off my debt & open a new Cell account with XXXX XXXX XXXX. I got a letter from such collection company indicating that the " Original Account from XXXX XXXX XXXX has been settled in FULL. and that Payment was received on XXXX/XXXX/XXXX. '' Such collection company also updated my credit report & indicated that the account was settled in full. 

However ... since all of this happened, seems like this EOS CCA company got a hold of my personal info and has been mailing me since XXXX XXXX. 

I moved homes this summer and now they have found me again!! 

I called them to the number they provide on their collection letter, and they have pleanty of my information ( Full name, address & phone Number ). 
They also claim that they purchased the debt from XXXX XXXX XXXX on XXXX XXXX XXXX!!! 
How is that possible? 

I called XXXX on XXXX XXXX to take care of this matter & they NEVER mentioned this company. 

EOS CCA has almost the same account number that the one that XXXX XXXX XXXX & the other company had, but it differs from only XXXX digits. 

Also, when I called EOS CCA to get an email with docs proving of the debt I owed he said that they do not email. But he said that he could send me another letter that would like exactly like the one I just got from them. 

When I was disputing my debt with the other collection company, they quickly emailed me docs to prove what I owed and how we could fix such. 

As a conclusion, EOS CCA is either a scam company trying to get money from people that is struggling with collections. Or a poorly run company that does not check facts on the people they are trying to collect money from.
Consumer complaint received 2016-08-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc. (CO)

I had an outstanding medical debt with a local hospital. I did n't pay it off in time and it went to a debt collector. They proceeded to file a debt collection lawsuit against me however they misspelled my name wrong in the court documents and then they said they served me however I have proof via my gps watch that I was n't near the place they served me. They stated I owed over {$1400.00} to them however the legal documents only state they are trying to collect {$600.00}. I am disputing the fact that I owe more then the {$600.00}.
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (GA)

I have continuously contacted the debt collector who refuses my dispute of the validation of this debt. The representative could not provide me with validation as requested, other than a copy of a bill. I have continuously advised the collection agency that this debt does not belong to me, and request that the following debt be removed from all XXXX credit bureaus.
Consumer complaint received 2017-03-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC (FL)

I saw a commercial on tv with XXXX XXXX for cash advance. I applied for cash advance back in XXXX 2016, on the website and was transferred to lendgreen and they gave me {$800.00} that would be deposited into my account. They charged me a fee that I would pay back the amount of money I borrowed every two weeks, out of my check, I work for XXXX Florida, and that should be it. BUT, they have continuously been taking out money from my account after I have already paid back the amount of money used back in XXXX. They said they charge 700 % interest and I am stuck with it. That is NOT RIGHT, THAT IS CALLED PREDATORY LENDING AND IT NEEDS TO STOP. I was in a time of duress at the time I requested the money, to help pay my car note, auto insurance, and electric bill. I have already paid back the money, and I have notified them about disputing any further unauthorized charges, which is called FRAUD. This is unacceptable to XXXX people in their time of need, and extort money from my account. They need to be punished for what they have done to me, and others. Thank you.
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Ceannate (NJ)

I submitted a complaint against FMS Investment Corporation last year because while attempting to arrange reasonable payment arrangements, they submitted a Federal offset to the IRS. I recently noticed that they responded to that complaint, but their letter was sent to the incorrect address. Since then I have consolidated my student loans, all student loan servicers were notified ; however, FMS Investment Corporation is still showing as a collection agency and they still have not removed the XXXX offset. By comparison, a different student loan collection agency immediately removed the XXXX offset when they were notified that the student loans were being consolidated. The student loan servicing agency who hired FMS Investment Corporation for collection is no longer servicing my student loan and the offset should immediately be removed. I believe the school I was attending at the time was University XXXX ; however, I immediately enrolled in XXXX School so it could be also be XXXX University.
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

I received a letter from Chase stating that they are closing my credit card account. 
Moreover, the letter states that the reason for the closure is " because continuing the relationship creates possible reputational risk to our company ''. 
First of all, I have no idea or understanding of the meaning to this reason at all. I have been a loyal customer that has never missed a payment ever and who maintains a great payment history on this account. 
I contacted the office number provided and spoke to a representative who states he could n't provide any specific information used to make the decision but did recommend that I write this letter to further inquire about this action. He also stated that based on his past experience, it usually stems from some information that Chase received via internet relating to personal or business on my part. 
If so, I strongly object to this because there is no such information either personal or business reported against me on the internet or any other source that would cause Chase to be concern about its own reputation as a company. 
Furthermore, the history of Chase and all of its mortgage fraud related issues with the Federal Government stemming from the Mortgage Crisis between XX/XX/XXXX thru XX/XX/XXXX did not keep me from having a relationship with Chase. 
As such, I demanded for full and immediate disclosure ; 1 ) Specific and detailed information obtained by Chase regarding myself personally or my business leading to this decision. 
2 ) A copy of the credit agreement signed by myself with the terms and conditions of our relationship for this credit card account. 
3 ) The specific language or section under the credit agreement which supports or authorizes Chase to take such unprovoked action.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has been proven that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
MEDICAL XXXX Balance : {$35.00} MEDICAL XXXX Balance : {$330.00} MEDICAL XXXX Balance : {$47.00} MEDICAL XXXX Balance : {$70.00} MEDICAL XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020
Consumer complaint received 2015-12-13
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SCOTTRADE BANK (CA)

In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2016 a timeshare was purchased from XXXX XXXX , XXXX based on false information that was provided during a verbal timeshare presentation. However, the written contract documents do not match the verbal statements that were made. I agreed to the purchase and I provided them the credit card to make the down payment and also to draft the monthly payments. I did authorize these charges, based on their verbal presentation of what I was purchasing. However, the contract documents do not match what they told me verbally and as soon as I became aware the that the terms and conditions for the usage were completely different that what I was advised, I immediately sent a letter of cancellation on XX/XX/2016. They advised my request, stating I had signed a legally binding contract and continued to charge my card. I began disputing the charges to my account and have lost a total of {$3200.00} to this timeshare scam. I can not use the product that they sold me, they have provided no services to me and wo n't let me cancel the contract and refuse to return my money. I was forced to hire an attorney and am still trying to get my money back from XXXX via my credit card provider, Citi Cards. Please be advised there is a language barrier as English is not my primary language and no one would assist me in understanding the documents and rushed me through the closing process.
Consumer complaint received 2016-03-19
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NY)

I am referring to case number XXXX. 
I.C.System collection agency has posted a fraudulent collection on my credit report. 
XXXX XXXX XXXX had been paid in full, no demand for payment has never been received from I.C.System or XXXX XXXX XXXX and my score has dropped XXXX points following this fraudulent collection. 
My dog was treated four times. 
According to the XXXX, I was responsible for a total of {$2100.00} ( {$320.00} x XXXX ) for Weeks 1 and 3, {$810.00} for Week 2 and {$630.00} for Week 4. 
I paid {$2100.00}. Therefore I do not owe them any money. The fact that they tried to take advantage of vulnerable people suggests that we are not their first victims.
Consumer complaint received 2015-12-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (OK)

On XXXX XXXX at roughly XXXX XXXX I was contacted at work by XXXX from a company called IC Systems. She gave a total sum of {$650.00} that she claimed I owed on an Account number ; however when I asked what the debt pertained to and requested her agency to send verification of debt from original creditor she refused to comply saying all debt is digitally submitted and she did not have that information. Then countered that I could pay {$470.00} to her agency between now and Friday or they would take further action. She gave contact info as XXXX ext XXXX. As i continued to try and verify information about her collection attempts I was told to submit payment to an address in XXXX ; XXXX XXXX, Minnesota
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (TN)

XXXX XXXX - Purchased XXXX items from XXXX sellers on Ebay. Checkout with Paypal funded thru Paypal Credit. Only XXXX item crossed out of cart, but received email payment confirmation from Paypal. 
XXXX XXXX - Received Unpaid item notice from Ebay. Contacted Ebay and told the issue was with Paypal. Transferred to Paypal and informed there was a " known issue ''. Assured payments were made and situation would be resolved. 
XXXX XXXX - Items remained in Ebay cart. Contacted some sellers, but Ebay limits number of emails. They have no record of transactions. Called Ebay. Told to have 3 way conversation with Paypal, but Paypal must initiate, so transferred and lft on hold for nearly 2 hours until phone battery died. Attempted email contact with Paypal. Asked them to either verify that the transactions had gone thru and the goods would ship, or refund the {$460.00} back to the credit account so that I might be able to pay off the balance and close the account. Received moronic replies. 
XXXX XXXX - Contacted Paypal after receiving emails from several sellers stating that they had no record of any transaction. Polite CSR, but essentially no help. I can not get my funds back without waiting for the merchandise that is not going to arrive to not arrive and then file a dispute and then wait for that. If I needed my merchandise before that lengthy process, I would have to reorder it and take the risk of receiving XXXX items and being responsible to ship the items back at my own cost. I inform him that I will try again with the sellers to resolve. 
XXXX XXXX - Back on the problem when I detect that Paypal has removed {$54.00} from my personal bank account for one of the sellers that I had been so reassured had been paid thru Paypal credit. This charge does not show up on my paypal account so I again contact Paypal and inform them that I have a serious problem and I need the account ( s ) resolved and closed immediately as funds are disappearing from my bank account without authorization. I was placed on hold for about 20 minutes until the line disconnected. 
Now I am begging for help. Paypal and Ebay have made a huge mess and they blame each other and neither will clean it up while they both have access to my bank accounts and credit cards and I can not get away from them.
Consumer complaint received 2016-01-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (TX)

I have my car loan with Ford Credit. My account number XXXX. On XXXX/XXXX/XXXX, I went on line to make my XX/XX/XXXX payment but the on line payment screen indicated my account was current and my next payment due date was XXXX/XXXX/XXXX. I have attached a copy of the screen shot for your reference. As a result, I did not remit my XX/XX/XXXX payment. Again, the on line screen showed that my account was current and a payment was not due. I thought that either Ford was offering some type of skip a payment since my due date was showing as XXXX/XXXX/XXXX or that since I had been making payments every two weeks ( 1/2 total payment paid every two weeks ) that my loan was truly paid current. Just recently, I received a letter from Ford advising that my account was past due. I contacted Ford today, XXXX/XXXX/XXXX, to ask how my account was now showing past due if on XXXX/XXXX/XXXX my account was showing current. Please note my payment is due on the XXXX of each month. The customer service representative told me she did not know why the on line screen would have showed that my payment was current and that I owed the XX/XX/XXXX payment immediately. I asked to speak to her supervisor who told me the same thing. The supervisor also told me that I was the only one who had called to report this type of issue. He implied that what I was telling them was not true ; however, please refer to the screen shot I have attached. I asked if they would allow me some extra time to remit the XX/XX/XXXX payment as the XX/XX/XXXX payment was due next week. I was told I must make the payment immediately XXXX no later than XXXX/XXXX/XXXX ) or they would report the payment past due to the credit bureau. Ford Credit completely disregarded my concern and made no exceptions for me even though they clearly made an error. It is clear that Ford Credit 's on line payment system was incorrect. I do not agree, nor do I think it is fair, for Ford Credit not to work with me to allow me extra time to make my XX/XX/XXXX payment ( without reporting my XX/XX/XXXX payment as late ). Their customer service is inadequate and they failed to " resolve '' my issue. I reported an error to them over the phone today, and I am now reporting a notice of error that I expect to be resolved. Just stating that no one else has reported this issue and demanding I make the payment immediately does not constitute resolution. Ford Credit can not display incorrect information on their on line system and expect their customers not to voice a concern or ask for an exception due to their error. This seems to be an unfair and deceptive practice.