davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: DYNAMIC RECOVERY SERVICES, INC. (CA)

XXXX/XXXX/17 A female operator contacted me from Dynamic Recovery claiming I owed a debt of {$690.00}. She asked for my social security number, which I would not give her. She then went on to explain about the debt and what company it was from. I told her I did n't have the funds at the moment and she went on about paying it off in the future. So when I told her I need to confer with my partner, she got belligerent and loud on the phone being disrespectful. Even though she said " with all due respect '', she was raising her voice with me about paying the debt and would not listen to what I had to say.
Consumer complaint received 2018-01-24
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

Onemain XXXX XXXX XXXXXXXX XXXX, IN XXXX Acct # XXXX and Onemain Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX are both Subsidiaries of XXXX. I had a loan with Onemain Financial opened in XXXX that is now charged off. The problem is that this one loan is being reported to all 3 credit bureaus : XXXX, XXXX, and XXXX  twice.Once by Onemain and once by Onemain Financial. I have disputed this error many times and just recent as today XX/XX/XXXX I received the results of my dispute and this is still not corrected. I called XXXX today and they called Onemain while I was on the phone waiting and was told that since Onemain Financial sold the loan to Onemain and they are two seperate entities that both charge offs will have to stay on my credit report. I had one loan  with Onemain Financial and if they sold the loan to Onemain then one of these two entities will have to stop reporting. Both  entities are reporting the same loan and appears to be two seperate charge offs on my credit report for one loan and this has caused me to have lower score than I should. This is a violation of the The Fair Credit Reporting Act, 15 U.S.C. 1681
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

The credit report shows I have Maximum Delinquency of 30 days in XX/XX/2012 on my XXXX XXXX XXXX Credit Card. However, the lateness is due to the company 's error of NOT sending any statement to me. I called the credit card company after I found this problem back in 2012 and they admitted their problem and they refunded the late fee and said they would NOT report to credit bureau. However, they still reported it and it affected my credit score.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a discrepancy on my report 2 times by XXXX. I stated it was n't mine and it was removed both times. Now it has shown up for a third time on XX/XX/18 for around {$1300.00}. 
This is not my debt but it keeps showing up after it 's been challenged and removed two times and has shown up for a third. 
This has damaged my credit severely and I want it to stop.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I had a XXXX XXXX XXXX account that become delinquent and then charge off for XXXX. On XX/XX/XXXX, I paid the full balance and closed this account with XXXX XXXX XXXX. XXXX  XXXX XXXX updated the balance to paid with a XXXX balance on XXXX and XXXX. Equifax did not update the balance to reflect this change so I sent a dispute to Equifax. On XX/XX/XXXX, I received an alert from XXXX monitoring that showed the investigation was completed and the account was verified and reported a delinquent status for the balance that I have already paid. I then tried to initiate a dispute online but the system will not allow me to. I have attached a check showing that the amount was paid and debited out of my checking account on XX/XX/XXXX.
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Check Recovery Bureau, Inc. (OH)

I have received several harassing phone calls since XXXX XXXX, 2018 to the present day of this writing ( XXXX XXXX, 2018 ) from various representatives giving a variety of names ( XXXX XXXX ... .XXXX XXXX are two of the names they are using ) from a company calling itself XXXX ( United Check Recovery Bureau ... the address from the Better Business Bureau is XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX. One of the many telephone numbers they utilize is XXXX. 

The only way I know the name of the company is that I have done extensive online investigation on the telephone numbers they are calling from ... rarely do they identify themselves. They have called me at home, on my cell, at work, and now are calling several of my relatives. I do not know any information on the debt they claim to be collecting. I have sent them a validation letter, and a cease and desist letter, and also given them the name of my attorney and demanded they work through her, but they keep calling. 

My nephew who lives in a different state called to me today to tell me that this company called him asking my whereabouts. They know my whereabouts because I have contacted them and they have my address. This is just an intimidation tactic they are using. They have failed to validate the debt and keep telling me that they " emailed the information '' to me ... which they did not, and besides, a valid validation should be in writing. The representatives are rude, harassing, and this XXXX XXXX sounds as if she has been smoking since birth. Please help this is causing incredible problems with my employer. If you google XXXX or Unite Check Recovery Bureau ... .there is a multitude of complaints on various websites about their harassing tactics.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

I have been trying to get fraudulent charges of XXXX reimbursed and back into my account ASAP. 
Here is the background- XX/XX/XXXX FRAUD DETECTED AND THE FRAUD DEPT CALLED ME AND I CONFIRMED FRAUD AND THE DEBIT CARD WAS TO BE DISABLED. XXXX online transactions for a total of $ XXXX XX/XX/XXXX MET WITH BANK MANAGER AND SIGNED A NOTARIZED DOCUMENT STATING FRAUD. AGAIN ASSUMED CARD WAS DISABLED. 
XX/XX/XXXX. LOOKED ON MY ACCOUNT XXXX AND ADDITIONAL XXXX TRANSACTIONS HAD BEEN AUTHORIZED OUT OF MY ACCOUNT. ON XX/XX/XXXX AND XX/XX/XXXX. 
TEXTED BANK MANAGER AND HE SAID HE WOULD HANDLE FIRST THING IN THE MORNING. 
MONDAY XX/XX/XXXX I CALLED BANK MANAGER AT XXXX HE SAID HE WAS BUSY AT THE MOMENT AND WOULD GET RIGHT BACK TO ME. HE ALSO TEXTED ME THAT HE WOULD GET A NEW DOCUMENT FOR ME TO SIGN TO STATE NEW CHARGES WERE FRAUD BY END OF DAY. STILL HAVE YET TO RECEIVE I HAD NOT HEARD BACK FROM XXXX SO I CALLED AGAIN AT XXXX AND AND XXXX. HE TEXTED ME SAYING HE WAS WITH A CLIENT. 

I THEN CALLED THE CALL CENTER AND SPOKE TO XXXX. SHE CONTACTED XXXX AND SAID HE WAS WORKING ON IT AND WOULD GET BACK TO ME BY END OF DAY. 

XXXX XXXX ON MONDAY I GET A TEXT FROM BANK MANAGER ASKING IF I HAD TIME TO CHAT. 
AND THEN ANOTHER TEXT IMMED AFTER STATING HE WOULD GET BACK TO ME TODAY. 

IT IS NOW TUESDAY AT XXXX AND I HAVE NOT HEARD FROM YOU OR HIM AND XXXX IS STILL OUT OF MY ACCOUNT FOR 9 DAYS! 

LET ME ALSO TELL YOU THAT I MET WITH XXXX THE BANK MANAGER OF XXXX XXXX AND HE WAS INSTRUCTED TO DISABLE ALL DEBIT CARD WITHDRAWALS FROM THAT ACCOUNT. THAT WAS ON XX/XX/XXXX.
Consumer complaint received 2017-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Google Compare Credit Cards Inc. (CT)

I am unable to remove a stored XXXX credit card that I had on file with Google Payments Corp. for 2 cancelled subscriptions. Additionally, I am unable to close my Google Payments Profile. All Google 's website links are circular taking me back to the same location indicating I can not close my payments profile or remove my credit card. I cancelled my subscriptions to XXXX XXXX and XXXX XXXX on XXXX XXXX 2017. I have tried for 3 days to call and email Google Payments with no results. Google Payments Corp. is licensed as a Money Transmitter in my state of Connecticut. Representatives from XXXX XXXX XXXX, XXXX XXXX and Google Payments told me that I must maintain a credit card on file even if I am no longer subscribing to any paid services, that I can not remove my XXXX  until I replace it with another card, and to purchase a prepaid card. Additionally, my XXXX XXXX subscription was a " free trial '' subscription and the XXXX XXXX rep indicated due to " audit & compliance '' they must maintain my credit card on file but that it is encrypted and in cold storage. The screen prints below do not appear to support his assertion.This is unacceptable. Thank you.
Consumer complaint received 2018-05-20
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. (FL)

This is now my second request for your agencies to remove two items that I am not responsible for I have request prior and they are still listed There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX # XXXX I am NOT liable for these two accounts these need to be removed off of my personal credit file. 

I have already mailed two request also this needs to be addressed ASAP
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MD)

American Express cancelled my credit account because of security concerns they said. They said they told me to verify the charges which I did through app before I stopped using their app and was paying of my debt through my debit account. They cancelled it by saying they asked me to verify the charges in 15 days but I never received a e-mail or mail stating I need to take action. My history has badly been affected and I am not in the position to pay off my whole debt Without using credit card at sometimes. I am a student and I really want XXXX to reactivate my account. thank you
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY (FL)

I received documentation from XXXX XXXX offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I Called and made a dispute on the account about some transactions I did not authorize by me or anyone. so I called the XXXX- number and filed the dispute like its have to be filed and I got a response back saying my account is being close for no reason I asked to speak to a manager and they did not give me the correct answer saying WHY they are closing my account. I had open the account up and had the account open for 6-months and on the 7 month they close my account for some disputed I filed. also my account number was stolen and someone was using my ACH to take money out my account.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received documentation from XXXX XXXX offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.
Consumer complaint received 2017-11-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (FL)

I purchased a dog for {$2500.00} from XXXX XXXX XXXX in XXXX XXXX. I applied for financing through EasyPay Finance, which was approved. However, they charged me an annual interest rate of 130 %. I recently paid off the loan, because of the egregious interest rate. I ultimately paid {$4000.00} total, {$2500.00} for the original purchase amount and {$1500.00} in interest.
Consumer complaint received 2017-11-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (WI)

OnXX/XX/XXXX the Navy Federal Credit Union made an unauthorized withdrawal by check from my savings account in the amount of {$4600.00}. I first noticed that this transaction ( which I had not authorized ) had taken place on XX/XX/XXXX When I questioned the credit union by telephone I was told that the money had been sent to my ex-wife at her request. I have never authorized my ex-wife to withdraw money from my savings account.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (NC)

Robin Hood said I owed money on my account because a couple of transfers didnt go through the way it shouldve. Within a day I transferred funds to my account so that way wasnt at a negative balance anymore. If you currently look at my account today at {$55.00}. Theyve restricted my account from any trading. Ive emailed them countless numbers of times and allThey seem to do is look past it except for one time. I finally got a hold of someone on XXXX and they told me why my account was restricted. I instantly sent them a message back saying that the funds were direct deposited to my account and the direct deposit went through because my account shows that I have money in it. They never responded back. And My account is still Restricted. Its been 3 days. They still have my money and wont respond to me. Unacceptable. They know how important it is to miss a day or not pay attention to your stocks. Ive been sitting and watching my stocks for the last three days make a good return but I couldnt get the return because these XXXX wouldnt let me make an order.Because theyre too lazy to hit a button to unrestricted account that already has money in it. You guys lost me a lot of money and I seriously hope I can get those stocks at the same price that I saw it for the last couple of days. To be quite honest I should file a lawsuit but you guys already have too much on your plate with that. Unacceptable company as soon as my account gets unrestricted Im selling all my stock and Im going to a different app. You guys are disgusting and horrible. I only use you because you have a nice interface but other than that youre complete XXXX.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 at XXXX XXXX, I deposited a check at a Chase bank at XXXX XXXX, XXXX, NY. The sequence # XXXX and the Term ID : XXXX. AID # is XXXX. The amount that was supposed to be deposited was {$290.00} and the bank had an error which resulted in taking the check but not showing the amount.
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems (MN)

A company named XXXX XXXX XXXX called my sister saying that I am involved in a civil lawsuit and that I need to call them immediately. They told her that I owe money that I am going to court and get sued if I do not call back. They said to give them a call at XXXX and tell them case number. I call them back and they say I owe them XXXX $ and if I do not pay it right this second they will increase the amount send me to court and I would pay thousands in litigation and court fees. They claim this amount is owed from XXXX XXXX which closed years ago and I have never ever received a notification from them, this is the first time I had ever heard about this. We call them back and tell them it is illegal to inform a third party of any legal troubles a person might have and that it is illegal to sue or threaten to sue. They keep transferring us to different people and everyone acts dumb saying that they contract other companies to make those phone calls and they ca n't control that. They hung up on us 4 times. They are a debt collector, claiming to be a law firm.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

There was information on these credit bureaus that related to me. A lot of this information can't be validated because there is no original creditor to validate the information and since I am the only alleged consumer of these accounts then I am the only one that can validate the information on these accounts. Then there's the issue of these so-called investigations that all come back as " accurate '' but pursuant to 15 U.S.C. 1681a ( e ) who did this credit bureaus interview to get these accurate facts? So if I am the only original consumer then I am the only person that can verify if any of the information can be factual information. And pursuant to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

And there are a lot of discrepancies in their reporting. 
I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. 
Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have never given any credit bureau or consumer reporting agency my written permission to report to them. 
I sent out letters back in XXXX to Equifax, XXXX, and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have hired XXXX XXXX to dispute inaccurate information, however XXXX, XXXX and Experian are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.
Consumer complaint received 2018-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

COLLECTION SERVICE OF ATHENS NEVER SENT ME A BILL OR INFORMED ME OF AN ACCOUNT WITH THEM I DID NOT GIVE OR MY CONSENT TO OPEN AN ACCOUNT OR USE MY SOCIAL SECURITY TO EXTEND FOR CREDIT WITH THEM, THEY ALSO VIOLATED MAY HIPPA RIGHTS BY MAILING SENSITIVE MEDICAL INFORMATION WITHOUT MY CONSENT
Consumer complaint received 2018-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aswad & Ingraham, LLP (NY)

On Thursday, XX/XX/XXXX I was served at home with a subpoena titled from the XXXX County Court commanding me to appear at XXXX XXXX XXXX on XX/XX/XXXX and signed by XXXX XXXX XXXX XXXX, XXXX. of XXXX and XXXX regarding a XXXX judgment. I am too ill to travel and had explained this to XXXX XXXX XXXX XXXX and XXXX in writing in back in XX/XX/XXXX after he had me served with a subpoena on XX/XX/XXXX. I sent a motion to the XXXX County Courthouse on XX/XX/XXXX to quash. The XXXX County judge called me at home and in a three way conference call with XXXX XXXX XXXX XXXX and XXXX granted my motion to quash and stated that I did not have to appear regarding this matter. XXXX XXXX agreed. 

I called both the XXXX County Courthouse and the XXXX County Clerk on Friday, XX/XX/XXXX. Neither of them had any record of this XXXX subpoena and stated that the XXXX subpoena had been withdrawn on XX/XX/XXXX. I faxed the XXXX County Courthouse a letter and the XX/XX/XXXX subpoena on Friday, XX/XX/XXXX for their records. 

Because of being served the XXXX subpoena on Thursday after the XXXX subpoena had been quashed by the XXXX County Judge and withdrawn and previous asking multiple times for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX to cease and desist all contact with me, I filed complaints with your Attorney Grievance Committee, the New York State Attorney General 's Office and now with CFPB.