davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (SC)

I opened an acc ount   XXXX   XXXX    BrandSource card and Citibank took over. With   XXXX   XXXX   I had credit protection on the card. When Citibank took over the account, I was never notified that my credit protection would be discontinued. As a result, I have been hospitalized and had  XXXX  and have absolutely no credit protection. I have always paid my account on time before becoming   ill    in  XX/2016   and being hospitalized. I elected to have the credit protection insurance just in case something happened and to think you 're covered and find out you 're not has jeopardized my credit rating.
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

Pro collect called me numerous times for no reason. They left no information on why they are calling repeatedly. I can not afford to repay my student loans or anything else because I have been adversely affected by the COVID-19 pandemic, I am unemployed, and have been homeless twice within the past 2 years. Proof of homelessness and financial hardship can be seen on my prior collection company complaints.
Consumer complaint received 2017-05-30
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. (CO)

I contacted the  CBR  to notify them that they were reporting some incorrect information to my report. I requested that they validate this information and as of today they have not responded to my request.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OK)

I have sent a  total of three letters each to  XXXX , Equifax, and  XXXX  that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One eve n goes so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it.   XXXX    removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

Hi, Pursuant to m y original complaint  XXXX , and follow-up to the response listed by Chase, I am filing a new complaint regarding the placement of unauthorized charges in dispute.     As part of my request for resolution, I have asked on many occasions the documentation Chase received from  XXXX , however this is never provided. In addition Chase is using in their decision determination, my preliminary order request which I submitted for documentation of my purchase with  XXXX , however, subsequent to this, I have provided to Chase the FINAL & ACTUAL online receipts and confirmation of purchase from  XXXX .     In addition if Chase had researched this matter fully per my original statements, Chase would see my  XXXX   XXXX  purchase on my  Chase Marriott VISA   XXXX   XXXX  billing statement. Chase would also see from their records and database that at no time from date of purchase to account closing ( or since ), has this charge ever been credited, voided, reversed or refunded.     I have also attempted to contact  XXXX   XXXX  at  Chase Executive office s and left him voicemails on several occasions this his initial notice to me on  XX/XX/XXXX  that he was in receipt of my complaint, however, he has not responded or returned my calls.
Consumer complaint received 2017-05-25
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. (FL)

Dear CFPB, I have been trying fo r 4 1/2 years  To get Experian to removed   XXXX   XXXX   off of my credit report because of FRAUD.I was very successful in disputing and getting  XXXX   XXXX , and  XXXX  to remove that bank off my reports. I feel I am being treated Extremely unfair by Experian.Because of my Extended fraud alert for 7 years, it already takes weeks to get even  1 of my credi t reports, I received my Experian report on  XXXX   XXXX , I tried again to dispute  XXXX    XXXX   on  XXXX   XXXX @ XXXX  for 36 minutes. I talk to  XXXX  in the ( FRAUD DEPARTMENT ) and she said what  XXXX    XXXX   reported on my credit report was accurate I explain and explain my side of the story first she said she would place and state that  XXXX  reported inaccurate information then she changed her mind and said it was accurate and she could n't do anything at  all.Now I do n't know what to do I am very frustrated and upset I do n't understand why I ca n't get an y help with this issue from Experian, The bottom line is Experian has refused to help.
Consumer complaint received 2017-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I recently pulled my credit reports and found a collection account with Convergent with a balance of {$400.00}. I am not responsible for this debt. I have n't signed a contract with this company and I have no record of any such debt prior to receiving my credit report.
Consumer complaint received 2017-05-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

HSBC is the worst, do n't deal with them. Opening account, giving their info, they told you something is wrong, and then hold tax, using your account without your agreement. HSBC did not do bank duty, also violating the US law. How dare they are, g ot to get an to attorney to work on the case.
Consumer complaint received 2017-05-25
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: BARCLAYS BANK DELAWARE (NY)

XXXX  of the benefits with the  XXXX   XXXX  card is earning  XXXX  status after spending {$50000.00}. Under the benefits document and everywhere this benefit is explained, it says : " You 'll qualify for  XXXX  after you make {$50000.00} in net purchases that post to your  XXXX  billing statements. '' Sending multiple messages to customer service and calling in, all agents I spoke to said the spend is based on purchases posted to a calendar year,  XXXX   XXXX  through  XXXX   XXXX . This is contrary to the advertised benefit, which states purchases that post to the  XXXX  billing statements. My  XXXX  statement closed on  XXXX / XXXX / XXXX  which means all purchases made in  XXXX  after that date posted to the  XXXX   XXXX  statement. Thus, all purchases made between  XXXX  and  XXXX  count towards  XXXX  status for  XXXX . I have been denied the status after many attempts in explaining the wording and how I am indeed eligible for  XXXX  based upon my spending between  XXXX / XXXX / XXXX  and today.     Purchases posted to following statements :  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX .     If calendar year spending is what is truly intended, then the wording needs to be changed. I made several large purchases at the end of  XXXX  which I could have held off on if I knew they did n't count towards  XXXX . In any case, based on the wording and my interpretation of the benefits explained, I have met the {$50000.00} spending requirements.
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I hit debris in my car on a n Interstate highw ay on  XXXX   XXXX ,  XXXX  because another driver did not tie down materials on a trailer being towed behind a pickup truck, my understanding  is 6 cars  were disabled from the trailer debris. My insurer  XXXX   XXXX  had me tow the car to a nearby repair shop and I had to make accommodations to stay overnight and proceed home in the morning, I was  2 h ours from my house after  XXXX  on  XXXX   XXXX ,  XXXX . I incurred expenses and when I contacted  XXXX   XXXX  about expenses, they told me to pursue reimbursement from the insurance company of the driver of the truck and trailer who was responsible for the accident.  XXXX  was the insurance company of the driver responsible for the accident,  XXXX  stated they had  XXXX  claims from this accident and a limit on pay out so they would divide the payment to all claimants.  XXXX  mailed me a check for {$1600.00} on  XXXX   XXXX   XXXX . I picked up my car from the repair sho p 2 ho urs from my house on  XXXX / XXXX / XXXX  after paying a {$500.00} deductible.  XXXX   XXXX  billed me for cost of repairs of my car on  XXXX / XXXX / XXXX , I sent  XXXX   XXXX  a letter on  XXXX   XXXX ,  XXXX  stating that  XXXX  sent to me a reimbursement check for expenses.  XXXX   XXXX  never responded to my letter and turned it over to the  AFNI Inc coll ection agency in  XXXX  of  XXXX . The collection Agen cy ( AFNI Inc. ) s ent an invoice to me which I responded to with a letter on  XXXX   XXXX ,  XXXX  stating that I dispute the validity of the debt and aske d AFNI Inc. not  to contact me until they provide documentation that supports their belief that I owe this deb t. AFNI Inc  has not responded to my letter and have been leaving messages on my phone and sending threatening letters affecting my credit rating.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  ) I was never late on these accounts and should not have any late paymetns.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid 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: STATE FARM BANK, FSB (MD)

On XX/XX/XXXX I paid XXXX XXXX XXXX ( XXXX, Fl. ) {$7000.00} for a Patent Application for my invention. I found out in XX/XX/XXXX ( 1 month after they were charged ) that XXXX has been closed down and assets frozen because of " Fraud '' ( by the FTC & FBI ). They were supposed to market my invention for patent and have everything completed in 300 days from the initial transaction and they did not do this, failed entirely. {$7000.00} was paid to XXXX on my State Farm XXXX Credit Card and the remaining {$17000.00} was paid through my checking account via XXXX XXXX XXXX XXXX ( total : {$24000.00} ). I first contacted State Farm XXXX in an attempt to get my {$7000.00} refunded on XX/XX/XXXX. This was less than 60 days after I found out about XXXX being charged with fraud. State Farm Bank will not honor my protest yet I belong to a XXXX Website titled : XXXX XXXX XXXX Class Action Lawsuit and many members of this site ( who were also scammed by XXXX & CEO XXXX XXXX ) have already received refunds from their credit card companies, including XXXX card holders. All information about XXXX can be confirmed online by just XXXX  " XXXX XXXX XXXX ''.
Consumer complaint received 2017-05-29
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. (CO)

Back in  XXXX  o f 2016    XXXX   XXXX   posted negative information on my credit history. I disputed with  XXXX  and the other  XXXX  credit reporting agency on  XXXX   XXXX ,   XXXX  , and the negative information was removed from my account on  XXXX   XXXX ,   XXXX  .  XXXX  gave me a confirmation #  XXXX  after deleting the negative information.   Aft er one ye ar the same negative information reappeared under different collection agen cy (   XXXX   XXXX   XXXX   ).   XXXX  did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never lived at  1  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX  2 )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

XXXX   XXXX , 2017 - - *   Rec eived letters from  XXXX  2nd/NEW Attorney (  *** ) -   Re  nt i s due on th e  XX/XX/XXXX  y et Attorney 's for the  XXXX  sent  3-day not ice with a debt collection notice attached as well. Attorney -   XXXX   XXXX   (  KTS )   XXXX   XXXX    2017-  - We sent certified letters to  XXXX  and  its at torney ( KTS ) to validate the debt and that we are disputing ALL portions of the alleged debt.       XXXX   XXXX    2017 -  - KTS filed unlawful detainer ( unbeknownst to tenants )   XXXX   XXXX    2017  - - Tenants received unlawful detainer    XXXX   XXXX  2017     - - Interrogatories personally delivered to Plaintiff Attorney of Record ( KTS ) .. Inspection demand personally delivered to Plaintiff Attorney of record ( KTS ) .. Notice of Motion-to-Quash, Judicial Notice  ,  personally delivered to Plaintiff Attorney of record ( KTS ) by server.       XXXX   XXXX   2017     - -   XXXX    XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   (  " Plaintiff '' ) authorized agents falsified documents and KTS is heavily relying on this information, which constitutes Civil Conspiracy.       XXXX   XXXX   XXXX     - - Counsel for KTS attempted to collect a debt without providing validation of the debt in violation of FDPCA, at court and in open court he attempted " Personal Delivery '' of the Summons and Complaint, even though we have disputed this alleged debt.     SUMMARY : The company is in violation of FDCPA, violations include but not limited to : - unlawful communication tactics -False statements and/or representation - Taking legal action on a fraudulent alleged debt.   - Malicious prosecution  - Harassment & Discrimination & Retaliation - I would l ike for this company and their process server to be investigated by this bureau, the California Attorney General, DOJ or FBI. Because if they are trying to pull this stuff on my wife and I am sure they have attempted this on other consumers and caused irreparable harm to individuals.     Law offices of Kimball , Tirey & St. John LLP  XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX , California  XXXX   Re  :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-29
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (PA)

I made a request for an income driven repayment, around the beginning of  XXXX ,  201 7. I submitted it to Navient, as requested by the Department of Education. I was by    letter it had been approved by Navient, even with the dollar amount of repayment. Yesterday (   XXXX   XXXX  ) I got a phone call, supposedly from  Navient  demanding monthly payments that are huge, far more than i can afford or than the approved amount in the repayment plan.
Consumer complaint received 2017-05-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (CA)

I submitted an international transfer of funds in the amount of {$96000.00}  XXXX  received b y Wells Fargo  on  XXXX   XXXX ,    2017. The  market exchange rate that day was  XXXX , which would have resulted in a conversion to {$12000.00}. I expected somewhere near the amount of  XXXX  afte r the exchange.      Instead , Wells Fargo  performed the conversion with its own rate of  XXXX . The amount I received at the end was {$11000.00}, which is about about a {$450.00} loss due t o Wells Fargo 's pre ferential rate.      Wells Fargo  abuses a preferential exchange rate and applies predatory practices. It charged me an unexpected and hidden exchange fee of 4 %. Furthermore, the information available o n Wells Fargo 's   website abou t the exchange rate f or that day by the bank is misleading and is not the amount the bank charged me. (   XXXX   XXXX  ,  a Wells Fargo operated  forex service. ) Furthermore, information on w hat Wells Fargo i s charging is not available online -- I was told I should 've called the bank prior to making the transaction.     Other consumers should be aware and never us e Wells Fargo 's fo reign exchange service.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2017-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (AL)

I asked for information regarding how when I originally borrowed {$25000.00}  in 2007 an d my payments were $  XXXX  month  is my balance 10 years later over {$24000.00}?! I have never missed a payment during that time, and have a contract to sell the house and was shocked to learn what my balance was on this loan! Is this predatory lending? Whatever it is, it ca n't be right.
Consumer complaint received 2017-05-26
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: PRESTIGE FINANCIAL SERVICES INC (TX)

I contacted  Prestige Financial  and  XXXX   XXXX   XXXX   XXXX  about several inquiries that are on each one of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in  XXXX   XXXX  getting ready to move the following month I had no need to be shopping for a car in Missouri, I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate of TEXAS I have the RIGHT to request VERIFICATION of how they received information.  Prestige Financial  sent a letter back dated  XX/XX/17    stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in  XXXX   XXXX , Missouri. I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract Prestige to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing my  credit score t o decrease and I want these inquires removed from all there reporting agencies immediately.
Consumer complaint received 2017-05-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Oracle Financial Group LLC. (TX)

The name of the company is  Oracle  rep calling  XXXX   XXXX   XXXX . She was told to stop calling my job and that I could n't accept personal calls. My employer at that time hung up and  XXXX   XXXX  called back to speak with my supervisor and asked to speak with her directly. My supervisor then contacted me and told me that she had spoken with  XXXX   XXXX . My job is in jeopardy because of the harassment this person is doing. She was told to stop calling on numerous occasions and yet she continues. She called on  X/XX/2017    once,  XXXX  once,  XXXX  twice,   XXXX   twice and the  XXXX  three times and that was when she spoke with my supervisor.