davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

Key Bank closes branch. When I go to open a new account at another bank, I learn they had another account under my name I knew nothing about or authorized. They listed it as Account Abuse on XXXX, Consequently I can not open an account anywhere else. They listed my address on this account as my neighbors so I never got any calls or correspondence. I did business at this bank for 20 years and never had any idea they were doing this to me.
Consumer complaint received 2016-11-18
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (OR)

This morning I submitted payments for items I bought on Ebay, with the " Pay After Delivery '' option fully on display and understanding this as a term of my authorizing the payment. Half of these purchases did not go through as " Pay After Delivery '' and are now completed, even though I did not authorize this. 

I ( after one lengthy hold ) explained my situation to one of your " customer service '' ( and I do use that term VERY lightly ), who informed me " nothing could be done ''. I suggested she simply reverse or credit the charge and then resubmit these charges as requested ( and specifically dictated by the terms I agreed to ), which she replied she could n't do that. Even though you absolutely can and this is per MY request, for MY money for you abiding to the terms specifically outlined and agreed to. 

This constitutes a breach of contract for the agreed to services by you. I am now still waiting ( 43+ minutes ) to speak to a supervisor, who just now came on and can not fix this. You need to act in good faith, you need to fix this. I am contacting my bank to dispute these transaction and they will put a hold on them.
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (AL)

I keep getting contacted by XXXX XXXX of Aldous & Associates about a debt from a gym membership that I attempted to cancel via phone and in-person on several occasions. 

While I do not agree with the debt that the entity is attempting to collect, I have answered the phone and found myself talking to an automated voice message from XXXX XXXX XXXX  Aldous & Associates, never a real person to discuss the debt collection. 

Additionally, I have returned calls to the phone number mentioned in the voicemail to no avail.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DreamSpring (TX)

This debt XXXX  has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (VA)

My promotional zero percent interest rate expired on my Barclays Bank Mastercard, but the impending expiration of that promotional rate was not noted on the credit card statement immediately preceding commencement of interest charges. Instead, that statement ( XX/XX/2016 ) reflected a 0 % interest rate on the promotionally charged amount with no expiration date for that rate reflected. Yet on my next statement ( XX/XX/2016 ) there were nearly {$160.00} worth of interest charges, and the statement reflected the new 16.24 % current interest rate. 

When I called to complain and ask that the interest charges be reversed, the customer service agent initially acknowledged the error. However, after consulting with his supervisor for permission to reverse the interest charges, he stated that the expiring rate was not shown on the XXXX statement because the rate had expired the same day that the statement had issued, meaning the statement could not reflect a future expiration date. The supervisor later told me the same thing. But if the rate had already expired at the time the XXXX statement was issued, then the XXXX statement should have reflected the new 16.24 % rate, not the 0 % rate. 

I pointed out to the customer service agent and his supervisor that they were trying to have it both ways by claiming, on the one hand, that the rate had expired on the XXXX statement date and so that statement could not reflect the rate expiration date, but that, on the other hand, the XXXX statement reflected the 0 % rate that they claimed had already expired by that time. The agent acknowledged my point, but insisted that " this is just how we do it '' and refused to reverse the interest charges. After considerable argument, she agreed to reverse half of the interest charges, but refused to reverse the rest. 

I would like the remaining interest charges refunded, and for Barclays Bank to stop these misleading billing practices.
Consumer complaint received 2024-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (CA)

This breach has not only compromised the integrity and confidentiality of our business information but also poses a significant risk to our operations and reputation. We believe this incident warrants immediate investigation and action to prevent further unauthorized access and to mitigate any potential damage. Google, XXXX, XXXX  and google pay google XXXX  Requested Actions : Conduct a thorough investigation to identify the source and method of the data extraction.

Implement enhanced security measures to prevent future breaches. 
Provide a detailed report of the findings and steps taken to address the issue. 
Assist in the recovery of any lost or compromised data. 
We trust that you will treat this matter with the urgency and seriousness it deserves. Please acknowledge receipt of this complaint and provide an estimated timeline for the investigation and resolution. over a XXXX in revenue that i have this the code used to extrect my info for there own # Sample data ( replace with your actual data ) data = { 'order_type ' : [ 'Online ', 'In-store ', 'Phone ' ], 'sales ' : [ XXXX, XXXX, XXXX ], 'cost ' : [ XXXX, XXXX, XXXX ], 'date ' : XXXX ( [ XXXX ', XXXX ', XXXX ' ] ), 'brand ' : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " ], 'margin ' : [ XXXX, XXXX, XXXX ] # margin = sales - cost } XXXX = XXXX ( data ) # Calculate average sales for each order type avg_sales_per_type = df.groupby ( 'order_type ' ) [ 'sales ' ] .mean ( ) # Calculate average cost of completed orders each day this year ( assuming 'completed ' means margin > XXXX ) completed_orders = df [ df [ 'margin ' ] > XXXX ] avg_cost_per_day = XXXX ( 'date ' ) [ 'cost ' ] .mean ( ) # Calculate brand with highest total margin total_margin_per_brand = XXXX ( 'brand ' ) [ 'margin " ] .sum ( ) highest_margin_brand = total_margin_per_XXXX ( ) # Calculate total sales for the last 3 months ( assuming today is XX/XX/year> ) last_3_months = df [ df [ 'date ' ] >= pd.to_datetime ( XXXX ' ) ] total_sales_last_3_months = last_3_months [ 'sales ' ] .sum ( ) # Print the results print ( " Average sales for each order type : '' ) print ( avg_sales_per_type ) print ( " \nAverage cost of completed orders each day this year : '' ) print ( avg_cost_per_day ) print ( " \nBrand with the highest total margin : '' ) print ( highest_margin_brand ) print ( " \nTotal sales for the last 3 months : '' ) print ( total_sales_last_3_months )
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (OH)

The vehicle in question was involved in an accident that I was found to be not at fault. The car was totaled out and paid by XXXX XXXX. The information reporting to the credit bureaus is incorrect. The account should be showing as closed and the remarks are incorrect as this was not apart of a repossession. I have requested this information to be updated and removed and have had no luck.
Consumer complaint received 2017-01-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

My name is XXXX XXXX owner of XXXX XXXX. On my office phone we have been receiving calls for months from Nissan Motor ... XXXX asking for an employee who does not work in the office, he works at XXXX sites. We informed the employee when the first calls came in and informed Nissan Motor the same. Nissan Motor has continued to call sometimes three times a day. I have informed the call multiple times to stop calling and they just say thank you and call back. These calls have impacted my business as we have only one line and only one or two people in the office. The phone in my office is XXXX and the caller is asking for a XXXX XXXX. 
Please help in making these calls stop. Thank You XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

During my vacation in XXXX I received an alert on my phone that a transaction went through on my Apple Card for a store called XXXX. Ive never heard of this store so I immediately googled it to see what this was. From my own research I found that it is a XXXX owned chain of super markets in XXXX. Just to be sure I checked my XXXX account and everything was fine, nothing had been hacked to my knowledge but I changed the password immediately just to be sure. I then immediately contacted apple and explained the situation and they at first removed the charge, thanked me for reporting the fraud right away, and I was back to enjoying my vacation. Some time after I noticed that the charge had been added back to my account. Concerned I reached to inquire about the situation, retold my story to this new agent, and once more they removed the charge. I thought that was the end of it but another month passes and the charge gets dropped back to my account so again I reach out and ask why do they keep doing this and the agent explains that they deemed the charge to be valid. No other details given. XXXX explain how they came to that conclusion. I told them I have proof I wasnt in XXXX. I have my plane ticket showing I was in XXXX during that time frame. So again they removed the charge and again its currently under investigation. I dont know whats going on over there but someone isnt doing their job. With all the technology at our disposal. Is it really this difficult? I just want to be done with this fraudulent charge. I dont know why its been this difficult. I have an excellent credit score. I also have a good savings account with them. I dont know what the issue is here.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc. (TX)

I submitted a request related to this particular issue XXXX SUBMITTED ON XX/XX/year> its now with a collection agency. 

the name of the collection agency is RS CLARK & ASSOCIATES for the balance of {$620.00} The reason why I am proceeding with another complaint is that the original company who decided that it was best to place this into the hands of a collection agency. As I stated in my complaint is this company led with charging me a fee to assist with getting a morgage and I feel that its not fair that this issue was imposed on me.
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CrossCountry Mortgage LLC (WV)

Cross Country approved our loan, made us jump through hoops and pay a bunch of debt off including our home which we sold. We were supposed to close on the house we sold and on our new home the same day. When that day arrived we were told we needed to submit more documents to give Cross Country and it would be a couple of days before we could close. We paid off our mortgage, had over {$100000.00} in equity that we had to deposit in the bank waiting for closing and paid off several small bills to the tune of {$16000.00}. Not to mention we were now homeless. We ended up staying with family for 5 weeks and after jumping through all of Cross Country hoops for 3 more weeks and then they denied our loan. We had to pay for an additional appraisal out of our pocket. We both have excellent credit, had a bunch of money to put down and paid off nearly all our debit. I called our local bank and they closed the loan in 2 weeks with a lower rate. We hired an attorney to take care of the legal side of this issue and all the money we ended up wasting due to the poor communication and lack of knowledge from their rep XXXX XXXX XXXX.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have made many attempts to contact Transunion to remove the XXXX account from my credit file. This account does not belong to me. I have been a victim of identity theft and Transunion is reporting several addresses that do not belong to me as well. These address includes XXXX XXXX, XXXX XXXX, NY XXXX and XXXX XXXX, XXXX, ID XXXX
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I rented from XXXX, a month before the completion of the lease i was unable to pay due to bad wether preventing me from working, ( we were XXXX in ). I paid my eveiction through the court. XXXX charged, e after the monies were paid.. hunter warfield is refusing to make any of the proper reportings so that my credit score reflects my current ability to pay. I paid the eviction in XX/XX/XXXX. hunter warfield reported XX/XX/XXXX after it iwas already satisfied in XX/XX/XXXX. the worst of it all is outragous claims of debt for a n apartment that only clothes on he floor when i left no bugs no food just clothes. they charged me for carpet. builder grade carpet is XXXX installed. the carpet was 4 years old already becuase they told me the previous customer was there for 2 years and the carpert was not new. i was there 2 years leaving one year before tn law would require them to pay for new carpet my portions of the payment for carpet should be less 75 % total cost of carpet. should be around XXXX another issue that needs to be address is the unprofessionalism with which this was handled. I reached out to huner warfield on several occassion being tossed around from person to person. I finally spoke to some one who attitude was very unruly. very disrespectul and without regard for my desire to move on.
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (CA)

I sent a letter to Citibank special delivery on XX/XX/XXXX. Informing them that they have been responsible for unfair bank practices, consisting of Authorization holds on my checking account, excessive overdraft fees and re ordering of transactions in order to make a profit from my misfortune. I opened a checking account with Citibank shortly after XX/XX/XXXX and In XX/XX/XXXX the Federal Reserve prohibited banks from automatically enrolling customers in overdraft coverage.This I was not aware of at the time I opened the account nor was I told during the time I held the bank account with them that I could opt in or out of such coverage. Therefore the bank have been making charging me excessively and unfairly in accordance with the law. I wrote in the letter that there have been a large number of settled lawsuits in the United States for exactly what Citibank have done to me. I mentioned that they have been acting illegally and that I would like to recover all my bank charges back from them that I have incurred from XX/XX/XXXX until XX/XX/XXXX. As full and final settlement.
Consumer complaint received 2017-01-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This morning at about XXXX on XX/XX/XXXX XXXX adults, XXXX female and XXXX males, trespassed, loitered and vandalized upon my property. The acts committed included, but are not limited to, rattling multiple windows, juggling of the front door handle, opening my mail box, trying to lift open my garage door, noise disturbances, and removing signage posted on the property, including, but not limited to, the public notice of adverse possession posted on the front door. While I intended to continue to post such a notice, now that it has been removed, I will not repost the notice only to have it removed again. Anyway, those who may be interested in such notices as no trespassing, no loitering, no soliciting, and adverse possession have been made aware. 

These are the same group of folks that have been trespassing upon my property since at least XX/XX/XXXX claiming ownership. Today however, these XXXX actually parked in my driveway, got out, and proceeded to discuss their plans to landscape and what essentially amounts to breaking in and entering, and then, I suppose, have me literally thrown out of my own home. It should be noted that for some of this time XXXX XXXX XXXX Police Department ( XXXX ) Units, including XXXX sergeant, was on the scene at least part of the time. I did request assistance from the XXXX, specifically to have them removed and arrested for trespassing, loitering, vandalism, and terrorism. I should have also requested they be charged with theft as they did not return my signs and related materials to me. This act alone indicates an intent to circumvent the law and bypass the California Superior Court to resolve the matter. 

Just to be clear, in the State of California, one must go through the judicial system to gain possession of real property if that possession is contested and the property is currently occupied. Before one can prove a claim of right to tile through Trustee 's Sale, one must first prove the seller has and had the right, as a matter of law, to sell. In this instance, the sellers - Bank of America and XXXX XXXX XXXX XXXX ( XXXX ) - must prove full compliance with the law allowing for the sale of the subject property. In the meantime, I should not be subjected to unwarranted traffic in and upon my property. I have already issued a cease and desist request to the relevant parties, including the purchasers of the any debt associated with the XX/XX/XXXX Deed of Trust sold on XX/XX/XXXX. 

Today, I have made it known and clear to the XXXX trespassers, who literally scared me XXXX, I will await the service of a Summons for whatever legal action they intend to bring related to the contested right to title and possession. I have already made clear they are not to come back to my property, so service should be performed by a registered process server only. 

All previously mentioned resolutions are desired and mandatory.
Consumer complaint received 2017-01-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

I went to the ER in 2010 at Florida Hospital in XXXX Florida. I provided them with my medicaid card ( XXXX coverage ) and also my XXXX XXXX XXXX card. Hospital billed XXXX but failed to bill medicaid for the remainder ( as per the XXXX implemented by medicaid. ) Hospital sold account to a Debt Collection company. I called them and sent them documentation from XXXX and Medicaid showing I was covered and should have never been billed, as well as letting them know that per medicaid they would pay the bill -however they are not allowed to pay a third party. They became rude and refused to submit the bill back to the hospital for it to be paid by medicaid. They continue to state this is debt I owe them and I dont. Please help.
Consumer complaint received 2016-12-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I opened an account online with US Bank XX/XX/2016 with a promotional {$150.00} bonus. Their requirements were {$500.00} direct deposits or billpay. I met the requirement via direct deposit on XX/XX/2016. 

I called the bank numerous times to ask, " when will I get my promotional bonus? '' Their responses were XXXX ) XXXX weeks after first billpay ( XX/XX/2016 ) XXXX ) XXXX days after first billpay ( promotion ) XXXX ) go to in-store ( XX/XX/XXXX )
Consumer complaint received 2016-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Certified Direct Solutions (CA)

I received a letter stating that I may qualify for student loan consolidation and even some possible loan forgiveness. The letter seemed as if it were from the government which is why I called them. I called and they said I did qualify for loan consolidation but in order to get me into the program I must pay a certain percentage of what I owe. After telling them I did not have that amount they said I could do just 2 payments of {$400.00}. I was hesitant at first but then said ok. I gave them my information, including social, occupation, income, credit card number ( for the payment ), etc. Now after doing some research, it turns out I could 've enrolled in such a program without paying and now I am worried that I may have given my personal information to scammers.