davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-26
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (WI)

Rushcard had a technical glitch that has not allowed many users access to their accounts for weeks. Money is still being held and access to accounts is still unavailable for some. I personally have the wrong account number listed. There has been updates however does not explain in details the issues.
Consumer complaint received 2015-10-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Broward Adjustment Services (FL)

BROWARD ADJUSTMENT SERVICEXXXX XXXX XXXX XXXX FLXXXX ( XXXX ) XXXX found out about this collection by checking my credit report on XXXX XXXX, 2015. 
This company never communicated with me by mail or a phone call. 
I have asked 2 times over the phone. First on XXXX XXXX, 2015 and then on XXXX XXXX, 2015 to send me their information and the information of the company that they are collecting for and they keeping playing with me and telling me : " Yes we are going to send you the information '', but today XXXX XXXX, 2015, I have not received the information and they have my correct address and phone number. 
Because of this, Broward Adjustment Service is " refusing '' send me their information. 
They claimed that they have been trying to collect this account since XXXX 2015 when I have never been contacted by this collection agency ( all of my phone bills are available upon request ). 
They never gave me the chance to pay this collection before it was reported to the credit bureau agencies. 
They claim that I have made a {$30.00} payment to them when I never have done this.
Consumer complaint received 2015-10-25
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (MA)

I am a ( pending ) customer to RushCard for a few years. Over 2 weeks I have n't been able to access my XXXX accounts/funds ... My XXXX & payroll checks both gets deposited into my accounts ... Have n't been able to pay my bills, ex : made a budget payment plan with my daughters cellphone company, since Rushcard declined to process the transaction ( which I have available in my account ) now her total bill is due & service has been interrupted ... XXXX How fair is this to her & I? Running low on food & toiletries ... .. Rent is about due, but the most importance overall is putting a smile on my daughter 's face for her XXXX birthday this Friday ( XXXX XXXX ) ... .. I 'm having XXXX as I know & feel I still wo n't be able to access my funds yet another week : ' ( XXXXPlease help me!!!!!!!!
Consumer complaint received 2015-05-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

On XX/XX/XXXX hours finance a XX/XX/XXXX Ford Focus from Car Hop XXXX acceptance court right off the bat I noticed some we 're grinding noises and vehicle ran rough I ask the dealer about this and he told me that I could just take it down to XXXX of their specified shop then they would fix anything wrong with the vehicle for no cost me for the first visit but also stated that after the initial visit to the repair shop all repairs would have to be approved by the warranty department so being a little naive to the whole car buying leasing financing situation and being totally stoked I even got approved I drove away in the car on XX/XX/XXXX I took the car to XXXX XXXX XXXX XXXX in missing work that day if the car was in the shop until the XXXX of XXXX when I was finally contacted by Car Hop after several attempts to contact them they told me that the warranty company would not approve the problems that the car had and asked me to come down to the shop on XXXX XXXX I called into work and XXXX ride down there to the shop long story short they wanted to trade me out cars because they did n't want to fix before they gave me XXXX options to pick from none of which were anything special I chose to go with the Pontiac Grand Am GT after test driving it and having a friend briefly look it over the car seems like it was in good condition within a few days of having the car I started to notice it ran a little hot and when it would get hot it would shift into and out of gear with a hard kick I also noticed there was some weird slushy stuff in the coolant so I took it again to XXXX XXXX XXXX XXXX where they did a full diagnostic on the vehicle and sent the results to the warranty company once again to be denied I tried numerous times to get a hold of somebody at Car Hop and at the warranty place only to be given the runaround for two days and having to pay 78 dollars to get my car out of XXXX XXXX XXXX. the warranty company denied the work that needed to be done claiming they no longer do business with XXXX and told me they wanted me to take it to their shop by Car Hop called XXXX & XXXX auto. When I took it to XXXX & XXXX Auto on XX/XX/XXXX with the same problems but even worse then before the man called me the next day and told mgr he did n't find anything wrong with the car so I argued with him a little and got him to agree with letting the car heat up got a little bit and then test drive it he says he did that and he going some spark plugs misfiring he sent that work to warranty company and again it was denied and again I had to pay 78 $ to get the car out of the shop. It 's a hole lit to explain even more than what I 've explained here but these people are really doing some shady business and I really need some help cause I have no idea what I 'm doing
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: On-Site Manager, Inc. (OR)

I found that my criminal record that has been EXPUNGED is showing up on my report. You can contact XXXX XXXX XXXX at XXXX ext XXXX and talk to XXXX and verify this information. I want it off my public record on your site immediately! It is preventing me from obtaining housing.
Consumer complaint received 2015-04-02
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (IL)

For a medical service my wife made an advance payment/booking on XXXX XXXX XX/XX/2014 using my credit card ( since they offered XXXX time yearly discount during that period ). The payment was done via phone. The transaction was not a signed transaction. 
My wife was supposed to receive the service by XXXX but she re-scheduled the appointment to XXXX due to her medical condition. She called that clinic by XXXX and the number did not go through. So she waited for a week more and did not get any response either. When we personally went to the place to our surprise the place was locked and no attendees to address our concern. 
This is a huge amount for us and we did not except the company will not render the service they have paid for. 
Later when we researched on internet and found that the servicing company has filed bankruptcy. 
We raised a dispute with the bank and a temporary credit was provided for the amount. Now after investigation the bank had denied the dispute mentioning no sufficient documentation. 
Kindly let me know what can be done at this stage?
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (WI)

Experian refuses to investigate or correct reporting on my report for dell financial. they will not allow me to dispute it when I try and it is showing a balance when it should notit was discharged in a ch XXXX bankruptcythey also have XXXX other accounts showing a balance that I could dispute that were also included in the ch XXXX they have not replied with answers to these alsothey are XXXXI have attached the credit XXXX showing they were listed and the copy of dicharge
Consumer complaint received 2024-08-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

In XX/XX/XXXX, I purchases a suite of appliances directly from XXXX and took advantage of XXXX XXXX, which was through TD Retail Card Services. 

The appliances arrived broken and the replacement was also broken. Other equipment was not even shipped initially because it, too, was broken. After a number of missed and incorrect deliveries... I had enough and told XXXX and their delivery company, XXXX, to take everything back, which they did. However, this created a prolonged saga because XXXX was not able to take the equipment back in their system, even though XXXX had it, due to either a software bug or human error. 

By XX/XX/XXXX, the glitch was fixed and XXXX issued a number of credits to my account at TD Retail Card Services. In XX/XX/XXXX, XXXX informed me that I would be receiving an additional refund ( after the credits ) of {$450.00}, which was issued by TD Retail Card Services on XX/XX/XXXX. 

As soon as I received the {$450.00} check from TD Retail Card Services... I cashed it and was happy to finally be done with XXXXTD -- or so I thought. 

Unbeknownst to me, someone at TD and/or XXXX decided for unknown reasons to " VOID '' the cashed check after-the-fact, according to an agent I spoke to at TD Retail Card Services. The agent ( XXXX -- Agent # XXXX ) could not find who actually voided the check. 

TD then charged the {$450.00} back to me and started adding late fees and interest to my account. Since my account was paperless and XXXX told me in writing to expect the check... I had no reason to go online to my account. 

By XXXX, TD drew my credit line down and reported me to the credit agencies resulting in a XXXX point drop in my XXXX XXXX  score. My score had been in the XXXX range for decades. 

I'm in the middle of purchasing a home with a $ XXXX deposit down, as well as needing to purchase a new car and obstain a new credit card for purchases I need for my farm. 

Now that I'm in the XXXX XXXX range, my credit reputation and ability to get financing has been destroyed by a bureaucratic mistake by TD and/or XXXX. 

TD Bank has been difficult to reach and relatively unsympathetic to my situation. I've filed a dispute, but it can take up to 90 days and they say they can't expedite it. 

This is horrible and TD should not be able to issue credit if they can't promptly resolve disputes when it is their own internal system at fault.
Consumer complaint received 2015-10-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (IN)

I applied for a credit card at Sams Club. It goes thru Synchrony Bank, Creditor, XXXX. XXXX XXXX, XXXX FL XXXX. 

On the application it stated that the credit rate would be either 14.90 or 22.90 based on credit worthiness and other factors. I have explicitly good credit and have very little debt. I only owe on a car loan for myself and a co-sign on a car loan for my daughter. Balances for both around {$9000.00}. My home is paid for. I was given the 22.90 interest rate. I received the notice that said the credit rating was used. The credit score in XXXX with no detrimental items listed ( I have never been late on a payment ). Upon placing a call to the company, I was told that you had to have a XXXX credit score to get the 14.90 rate and had to have an ability to repay due to the 2012 Dodds Frank act. With an adjust gross income of over {$80000.00}, this indicates an ability to repay and my credit score is much well above the normal credit score. I would like to keep this card as it benefits my use in my business practices. However, I truly feel that this company has an unfair lending practice by not giving me the 14.90 rate on this card. This has never happened on any credit card that I have gotten for a personal credit card. Also, several months ago, I did get a small business credit card with my same information from a different company and the rate was 12.90. Again, this company has a fair lending issue. 
Thanks
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Transunion placed a judgement on my credit report unlawfully, they removed it from collections and then placed it as a public record when I have never been notfied of a court hearing or date. The state they say I owe do n't even have it listed that I owe them on their very own website ( XXXX ), I have asked them numerous times to remove this inaccurate information.
Consumer complaint received 2015-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

I have sent all documents to Experian ( XXXX, letter from XXXX, etc ) on XXXX different occasions. They have failed to correct the balance to XXXX. 
This has been corrected and cleared from my husband 's account due to consumer finance efforts his case number is XXXX. And for this we thank you. Now, your help in this matter is greatly appreciated.
Consumer complaint received 2015-10-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: U.S. Collections West, Inc. (AZ)

US Collections West is attempting to collect more money than what they are lawfully entitled to collect. The owner of the debt agreed to accept {$1500.00} to settle the debt in full and US Collections West Owner XXXX XXXX refuses to honor the agreement and refuses to communicate with legal counsel for the defendant. He hangs up on consumers, yells at them, and tells them he will take them to court though he is not an attorney. XXXX implies he is a lawyer in every communication because he has been in debt collection for years but he is not abiding by the law and violates ethics rules by acting as an attorney - he even refuses to abide by his own client 's wishes.
Consumer complaint received 2015-06-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

Chase bank placed a hold on XXXX checks that were deposited to my personal checking account on XXXX/XXXX/15. The hold information posted on my chase banking website stated the money will be released on XXXX/XXXX/15. However, this morning I received email from Chase XXXX protection Department that the money from the XXXX checks will not be released until the XXXX/XXXX/15 and even then they will still continue a " review. '' The deposited checks are XXXX bank checks and I know for a fact the accounts at XXXX bank from which this money will be drawn have the required sums available. I called the chase XXXX Protection Department today, but they stated this is a " procedure '' they have to follow. I told them I know the source from which these XXXX checks come and I do not understand why my money is being held without a definite day of release causing me financial hardship and overdraft fees. I do not have any history of bad checks or any other account related problems with Chase or any other bank. I just want my money released and do not feel Chase has the right to withhold my own funds from me.
Consumer complaint received 2015-11-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

An overdraft activity was happened because of the death of my family relative and his burial help. I called Bank of America ( BOA ) branch as well as internal recovery services, XXXX XXXX XXXX, TX XXXX about the issue and financial difficulty and request for corporation and help and after I paid full and my balance was {$0.00}. So, I received a letter for {$0.00} from BOA. Instead to receive money full they put negative remarks and comments in the XXXX. I requested them that they need to remove false/wrong/unjustified statement after they received full payment and the balance is {$0.00}. They need to fix the XXXX and make a correction in the account system that they already receive full payment. It is indicating that complete fraud and harassment attitude from the Bank od America. Please take a necessary action to safe my credit which is damaging form BOA blackmailing and poor services.
Consumer complaint received 2018-01-16
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. (MS)

Equifax has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX XXXX reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2015-04-02
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (IL)

In 2010 I was giving an forgiveness loan from Citi Bank then the loan file went to XXXX XXXX, from there XXXX then from there XXXX XXXX Of XXXX XXXX, and then XXXX XXXX went into my account and took out 170 dollars, I send them proof and had not heard from them at all but still 170 dollars is still being taken, they told me I can talk to a man call XXXX XXXX, I have call him, fax him XXXX and still no call back, I want to sued them cause they had no right going into my account, if you want me to fax or send the proof to you please call
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (DE)

I have been working with Wells Fargo for loan modification of {$1500.00} a month made XXXX paymennt still my account has not been brought back up to date & I am still. Showing behind I have called XXXX times to try to resolve no one has called me back at all modification was to have happened XXXX XXXX 2015 they lied to me my account number XXXX I was told the rep for restoration or that reps managet would call me never had happened I requested a new package for the modification because was never recieved by my attorney or the courts of Delaware that was never done so this must mean that was a lie also my name is XXXX XXXX call back is XXXX XXXX
Consumer complaint received 2015-10-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc. (FL)

In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me.
Consumer complaint received 2015-06-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Citi Management Group, LLC (KY)

I have been receiving numerous calls to my work place from a man name XXXX who says he is with City Management Group. He says I owe a debt of XXXX dollars for " XXXX XXXX ''. There is no such thin as XXXX XXXX it is known as XXXX XXXX. I found it to be very " shady '' I asked him numerous times to send me a paper bill to my address which they said they did but sent it to an older address of which i have not lived for almost 10 years. They kept asking me to " Take care of it '' over the phone using a credit card and i said i was not going to give any personal information over the phone unless I have verification of the debt via paperwork. They would not oblige, and kept harassing my place of work and I am a police and medical dispatcher. They called today while I was dealing with a call and i told them to politely call when I 'm not on duty to which he says " I never answer '' but they never call after XXXX which is when I 'm still at work. I hung up after telling him i was busy at work dealing with a call and i hung up. He proceeded to then call me back requesting to speak to my supervisor which is me. I told him that over and over how this debt would be handled and he has not obliged and instead harassed me for the last month or XXXX. And keeps threatening me with " further action '' Yet no " further action '' has been taken. 
The number they are calling me from is XXXX which is in XXXX XXXX. I 'm in XXXX XXXX. Ive researched the number and most websites have listed it as spam and harassing. I do not mind paying a debt if it is real, but i have reasons to believe this is not a real debt especially after I refuse to give them my credit card which i do not have XXXX and he tells me to go buy a prepaid card and put X amount of money on it. 
If this is a debt that i owe I gladly would pay it, but there are easier ways of going about trying to collect a debt and this guy XXXX has not done so and has been very unprofessional, rude, and threatening. I have recorded lines proving so.