davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

unsure of dates but multiple of times i stated that this was error due to iditity theft or fraud on my account and the hard INQUIRIES are not mine.XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX,, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

On XXXX XXXX, XXXX, I transferred XXXX euro to Coinbase. 
XXXX XXXX, XXXX, I received notification from Coinbase that they were rejecting the deposit and returning the funds to my bank within 2 business days. 
XXXX XXXX, email from Coinbase Support says it has located the transfer and that it has been returned to the originating bank. 
XXXX XXXX, XXXX : From Coinbase : " I can confirm this transfer has been properly documented. Our engineers and payments team are working to resolve. '' XXXX XXXX, XXXX : from Coinbase : " Our payments team processed a large batch of reversals over the last couple days. I can see your reversal has started, and will likely complete early this coming week. '' XXXX XXXX, XXXX : I send an email to Coinbase offering to alternative payments methods to get my funds back to me. I receive no response. 
XXXX XXXX, XXXX From Coinbase : " We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. '' I have sent roughly 50 emails in total since XXXX XXXX, XXXX in order to get the above four responses from Coinbase. Even though they acknowledge the error, I have yet to receive my funds back from them. 

I simply would like the immediate return of my XXXX euros as promised by them.
Consumer complaint received 2018-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (ND)

On XX/XX/XXXX I began discussions with a XXXX XXXX seller to purchase speakers. I agreed to purchase them and made two transfers to the seller. The first transfer was through XXXX in the amount of {$440.00} on XX/XX/XXXX, and the second transfer was through XXXX XXXX  in the amount of {$440.00} on XX/XX/XXXX. 

Everything was going as planned until XX/XX/XXXX, when the seller stopped communicating with me and did not ship the items as promised. 

I then asked the seller for a refund through XXXX & XXXX XXXX on XX/XX/XXXX. 

The seller did not provide the refund nor did he respond so I filed a dispute through my bank on XX/XX/XXXX. I also filed a dispute on XXXX XXXX  's website on XX/XX/XXXX. 

XXXX XXXX has responded to the claim and refunded the {$440.00} due to the fraudulent transaction. 

I have attempted to also file a complaint through XXXX which has proven to be much more difficult, if not impossible. 

On XX/XX/XXXX, at XXXX, I called the XXXX customer service number ( XXXX ) XXXX and spoke with XXXX ( Emp # XXXX. ) I informed him of the transaction details and asked him about helping me with a refund due to the fraudulent transaction. He told me he couldn't help me and said that in order to inform XXXX about a person committing fraud through their system I would have to send a letter to their corporate office through the USPS. I asked him to send me an email with the information and to document our phone conversation but he said he didn't have access to email so I asked to speak with his supervisor. 

XXXX, his supervisor, came on the phone. She would not provide me with her employee ID as she said she wasn't permitted to. She proceeded to take down the transaction information and told me she was writing up a report to submit to her supervisor about the fraudulent transaction/user. She provided me with Case # XXXX. I asked her to email me documentation of the filing of that case but she said she was not permitted to send emails. 

The issue with XXXX is they are not protecting the consumer. With their abundant technology ability to transfer money and give people instant access to funds, they aren't using the same technology to reverse fraudulent transactions. They aren't even giving people an electronic way to file a complaint! I believe it is their intent to avoid electronic communication. 

By not providing a way for the consumer to file a fraud complaint and assisting the consumer, they perpetuating the fraudulent transactions. 

If XXXX XXXX provided a refund due to fraud, then XXXX should as well. They have a responsibility as a financial platform to step in to stop fraud, not assist it. 

XXXX XXXX XXXX XXXX  post id # XXXX URL - XXXX XXXX XXXX
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2018-11-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

The calls began 4 weeks ago. I have received a call from XXXX XXXX XXXXXXXX XXXX at least three too four times a day from random numbers requesting payment. I answer the calls and explain my situation of unemployment. However, they continue to call through everyday and through out the day. On XX/XX/18 at XXXX XXXX, I spoke to a call center manager, who I requested a verbal cease and desist. In addition, I requested an address where I can submit a written cease and desist. The address was not provided and the manager once again began his collection tactics. I am requesting assistance on having the calls stopped until I am able to make arrangements on paying my debt.
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc. (MI)

After looking over my credit report I ran across a collection from this agency. they are reporting on my credit report so I send them a certified letter with conf # XXXX XXXX XXXX XXXX XXXX in which they are still reporting inaccurate and incomplete information on my credit report. My lawful consumer right allows me to compel you to eradicate any and all aspects of injurious adversary and or derogatory accusations not entirely true, correct, complete, timely, mine, my responsibility, or else wise compliant and furthermore PROVEN in testimonial certificate of fact to be compliant to all aspects of reporting regulations, laws, precedence, and standards of reporting practices TO INCLUDE irrefutable physical evidence of your perfect XXXX XXXX XXXX A deficiency in one or all is unlawful and makes you liable to me should I elect to gain suitable resolution.
Consumer complaint received 2018-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (MI)

I received a letter from Heartland XXXX regarding my Perkins loan. The letter states that I have till XX/2018 to make a payment or set up a payment agreement or my entire balance will be turned over to a collections agency. I did this today however the company now says it will be turned over to a collections agency anyway. I have completed my responsibilities per the information I had in the letter that I received and I feel the account should not be turned over to an agency. I am going to go through with my Payment agreement so it can not be said that I did not meet the requirements stated in the letter.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (WI)

VIOLATION OF THE FINANCIAL PRIVACY ACT : On XXXX at approx. XXXX XXXX CST XXXX XXXX inquired with US BANK about her student account not having any money within it. It seems that US BANK pulled {$630.00} from her account and paid off my * ( XXXX XXXX XXXX ) XXXX XXXX  XXXX account ending in XXXX. 

XXXX called to ask what happened to the money and to see if they would refund it back into her account, and spoke to XXXX. She kept telling XXXX that " your mom is behind on her payments '' and " it's legal for them to remove the money from your account, since your mom is a signer on your account. 

When XXXX let her know that she wanted to close the account and expressed the huge disappointment that he account was now - {$21.00}, saying that US BANK hurt her by removing ALL of her money. XXXX VIOLATED the FINANCIAL PRIVACY ACT divulging to XXXX her mom 's PERSONAL BANKING INFORMATION. 

She told XXXX that " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS ''. XXXX knew that I was in a Debt Settlement program, but I want to KEEP IT CONFIDENTIAL the amount that I owed. XXXX VIOLATED MY PRIVACY RIGHTS by letting my daughter know that I am behind over {$21000.00}. 

This has put a great deal of stress on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted STRESS. 

I spoke to XXXX, the supervisor at US BANK< letting him know that I wanted to speak with their legal department about this breach of information. He told me that " XXXX '' was XXXX XXXX Supervisor. They let me know that the conversation was recorded and action would be taken to review the tape and discipline XXXX. 

I asked to have the legal department get in touch with me, to settle this matter. I am going to consult with my attorney about the breach of my rights away. 

Please help me in filing a formal complaint in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I keep receiving phone calls at work from a company called Portfolio Recovery ( XXXX ). My coworkers have also reported that they have received calls from Portfolio Recovery asking for me. I have asked them to stop calling my work number and have told them that I am not allowed to receive calls at work. They called again today at XXXX. I do not know how to get them to stop.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

Is to remove all the inquires and collections off of my credit. Im XXXX and i havent put any of these inquires and collections on my credit and its affecting me .And I was a victim of the XXXX inquiry error/glitch that happened but they want remove the inquires on my credit report.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

XXXX credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a deployment. 

Was notified by XXXX that they had taken over my XXXX card account, so worked with them to address the issue rather than run from the problem. 

Due to deployment I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}. 

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on report.
Consumer complaint received 2018-01-11
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: SYNCHRONY FINANCIAL (FL)

My credit report shows an account with XXXX/JcPenney and I want to dispute this account. The credit report shows a payment was made on XX/XX/XXXX. It also seems as if other payments and charges were made using this card in XX/XX/XXXX. I have not made any charges or any payments on this card in over 10 years. If any charges were made on this card in the last 10 years, they were made fraudulently. Any payments made on this account in the last 10 years were not made by me. I called XXXX/JcPenney on XX/XX/XXXX and spoke with XXXX XXXX from XXXX who said he can not provide any information about the purchases, balances, or payments. He said I would need to call XXXX XXXX XXXX at XXXX to get the details of the account. I called them and spoke with XXXX from XXXX-XXXX she said only the original creditor can provide the information about purchases and payments being made. She said the balance is {$340.00} however, the credit report shows the charge-off amount was for {$51.00}. Neither of the two companies will provide me any information about this account and I do not owe them any money. 
Thank you for your time.
Consumer complaint received 2024-10-25
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: Affirm Holdings, Inc (CA)

I paid off my balance with Affirm with funds from a cash out refinance. Payment was sent via Escrow. The check has been cashed by Affirm. 

They have told XXXX that it has been over 90 days late even though I sent Affirm and XXXX a copy of the voided check that shows it was cashed, balance paid off over 4 months ago. 

Despite XXXX investigation requests to Affirm and XXXX dispute investigations to XXXX, they both fraudulently say that my account is not paid off and late. They illegally threatened to charge of my account to collections despite not owing anything. 


This is adversely affected my credit to where I am being denied credit.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (IL)

I recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot XXXX '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.
Consumer complaint received 2018-01-10
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 (NC)

Filed a dispute on a XXXX XXXX charge for {$24.00} that was unauthorized but havent received credit for it. Also a bill pay check for {$70.00} was disputed due to the check being returned to me and Amex Bluebird hasnt returned the money to my account after filing a dispute.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I subscribed on XX/XX/XXXX to a XXXX XXXX XXXX credit card, which has a {$300.00} annual travel credit benefit per my cardmember agreement. 
On XX/XX/XXXX, I placed a purchase for travel of {$560.00} via XXXX XXXX using my XXXX XXXX XXXX card, and was expecting the balance of my annual {$300.00} travel credit to be applied, since it applies on a calendar year basis. 
I called Chase on XX/XX/XXXX and then XX/XX/XXXX to  inquire about closing my XXXX XXXX XXXX, as I did not want to renew and pay the {$450.00} annual fee. On XX/XX/XXXX, I was told that my travel credit benefit might not be applied because I intended to close the account. So I asked not to close the account, and waited another 48 hours before I called back. When I called back on XX/XX/XXXX, I was told by a different operator from Chase that I would actually get the travel credit, and asked to change my XXXX XXXX to a Chase Freedom in order to avoid the fee while keeping my credit account opened. 
It took 4 entire days for Chase to post the charge to my account after it was in " pending '' state, while it usually only takes 48 hours. Chase claims that because I changed credit card, the charge was posted only after I did the product change and thus would not benefit the travel credit in spite of what their phone operator confirmed to me when I specifically inquired. Also, the cardmember agreement states that " A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to an annual maximum accumulation of {$300.00} ''. This means that using the card is the reason the travel credit should apply, and not when the charge should be posted.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Upgrade, Inc. (CA)

I am a XXXX XXXX XXXX XXXX  and applied for a credit card in my name only. The card company asked for me to verify income, so I used my household income ( my husbands pay stub ). The Credit Card company said that we needed to reapply under his name and I would be denied without proof of my income. I am not sure but I thought CARD act protected my rights to use household income. That I had this protection.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CO)

For the past 3 months I have been forced to call my bank with the credit company on the line so they can ask my bank if the payment has cleared my account. After my bank informs them that the payment did indeed clear the bank account then the creditor gives me access to my credit line. The payment is visible on my bank account online and is also visible as a payment on the creditors website. Both accounts showing I did make my payment with the correct amount and date. 

I pay my credit card in full every month. My credit limit is {$1500.00}. Sometimes my credit limit goes over but I still make my payment in full. This has never happened before until the last 3 months. This month I was allowed to use around {$800.00} of my credit before they decided to freeze the account again. 

This week I called because I still did not have my credit available. This time the representative did not offer to call my bank to make the funds available. I decided to be patient and wait till XXXX XXXX, XXXX for my funds to be available. That is the date the rep told me it would be available. I looked at my credit account today the XXXX of XXXX and my credit limit still says no funds available. I contacted the credit company again today. They told me I had to now wait 7 days from the time they receive my payment before I can have my credit limit available. I said ok, its been 8 days. You received my payment on the XXXX of XXXX XXXX, today is the XXXX of XXXX, why is my credit not available? The representative then told me that they do not start counting till the next day. I then said ok, its been 7 days, then she told me I would have to wait till XXXX tonight for my funds to be available. Frustrated I said fine. 

I ended my conversation with her and waited for the survey. The survey lets me give my input on how they are doing. She continued to try to talk to me and see if I was still on the line, she finally hung up and I completed the survey via the phone. If I receive my funds availability tomorrow the XXXX of XXXX, this credit company has held my payment for a total of 9 days.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (FL)

Supposedly the fraud department sent original cards to my Illinois address that was returned due to me no longer living there. The verification department is outsourced and their English is poor, which makes things worse when dealing verification, fraud and sensitive matters. When I called to update my account, they took my new address and even just sent me a statement, but have not sent the cards and have told me to look out for a letter in the mail. I have received a statement and no letter. When I call they tell me that they can not give me information ( except if I want to make a payment ) because they are locked out of my account. The customer service reps have hung up on me ( or the call was accidentally disconnected ) when I request to speak to management. They have been very unprofessional in their verification process which involves me getting the phone number of a person in my home ( when I 'm the only one home ).