davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: STERLING JEWELERS, INC. (MI)

The name of this company is called, XXXX XXXX and I received a phone call from them about 2 weeks ago where they claimed that my Kay Jewelers account has been forward to their office. They wanted to help me settle this matter outside of court. At first they told me the balance on my account was over {$1300.00} for attorney fees but I explained to them that's incorrect because my balance on my Kay Jewelers account was a little over {$750.00}. The individual who I spoke with placed me on hold to see if he could decrease the fees. He immediately return to the " line '' and said they could bring my balance to what I originally owe which was the {$750.00}. At first, they wanted me to pay the balance in full which I told them I could not do because of a financial hardship that I have. Therefore, they agreed to place me on a bi-weekly payment plan of {$62.00} until settled in full. I went along with this payment plan but at the same time, I had questions. 

I called my Kay Jewelers customer service number and the representative told me that they did not forward my Kay Jewelers account to no outside office. They warned me that it's a scam and told me to cancel my debit card immediately since the company has my information. Kay Jewelers still has my account in their office and they put me on one of their hardship programs to help bring my account current. I knew something was wrong because my account isn't charged off so why would this company call me talking about a lawsuit and asking do I want to settle my account outside of court? I believe they were honestly trying to scam me. It's a shame that there are companies out here like this.
Consumer complaint received 2020-01-22
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. (KY)

I received notifications regarding my credit report regarding the below items which are not mine and are either a result of fraud or a mistake : With XXXX  there is an inquiry from XXXX XXXX on XX/XX/XXXX. This was not me. 

With XXXX there are inquiries from the following which were not me : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX With Experain the following inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX account and a medical bill.
Consumer complaint received 2020-02-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MD)

While enrolled in college, my daughter took out two private loans from a lender to cover personal living expenses ; I am a co-signer on one of those loans. Following graduation in XX/XX/2018, she began a one year assignment as an XXXX XXXX volunteer. The lender would not grant her a deferment for that service, so her repayments were scheduled to begin in XXXX or XX/XX/2018. In late XXXX, we reached an agreement with the lender to begin automated payments ( including catch-up amounts ) in  XX/XX/2018. As she had not found full-time employment ( and still has not ), I agreed to have payments deducted from my checking account. Payments were timely made in XXXX, XXXX, XXXX and XXXX. However, the lender may have misapplied one of the XXXX payments as I began receiving notices of past due amounts on the loan for which I co-signed. After working through this with a representative from the lender 's call center and providing them with bank documentation, I received a letter stating that the payment was reapplied to the correct account. However, the lender is still claiming the account is past due, even though all payments have been made, and are demanding payment for the alleged past due amount.
Consumer complaint received 2020-01-22
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. (CA)

I pulled my credit profile for the first time in 6 years and seen many accounts that were not mine. I never applied nor seen any of these accounts. These accounts need to be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 XXXX XXXX
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-03-06
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/2018 statement. Kindly Note the page with Adjustment Purchases. XX/XX/2018 Begin temporary credits to begin a fraud investigation I never reported fraud. Note front page Merchants Credits for this period. XXXX XXXX XXXX XXXX XXXX XXXX ARE ALL TOTAL CREDITS APPLIED {$450.00} This includes my payment {$77.00} ** Note how Adjustment Purchases that begin XXXX starting with the first one {$49.00} ( - ) WITH CUTE LITTLE SUBTRATION SIGN. All amounts listed After the $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = {$320.00} ARE NEVER PART OF TOTAL CREDITS APPLIED THIS PERIOD {$450.00} AT THE BOTTOM USSA LISTS THEM FRAUDING CONSUMERS INTO BELIEVING 2 CREDITS FROM ONE PURCHASE TO REVERSING MERCHANTS CREDITS CLAIMING THEY ARE USAA CREDITS AND ***LOOKING LIKE THEY TOTAL AT THE BOTTOM AS ALL ACCOUNTING DOES XXXX ARE NOT INCLUDED IN THE TOTAL AT THE BOTTOM AS ALL ACCOUNTING DOES.?? DECEPTION PLUS USAA.??? CRIMINAL ACTIVITY AT USAA AGAIN.?? Also note the REVERSED CREDITS of {$28.00} XXXX XXXX XXXX XXXX XXXX ARE ALL THE TOTAL CREDITS for that period AND THEY WERE JUST PAID BY MERCHANTS. When were all these reported as fraud? ** Why are there beginning fraud investigations of already paid transactions???? ** Why WAS CREDIT NEVER MADE PERMANET REVERSED STEALING MERCHANTS CREDITS JUST PAID? Note the Reversed credits of {$9.00} & {$26.00} WERE PAID BY MERCHANTS THE MONTH PREVIOUS. KINDLY NOTE USAA CRIMINAL ACTIVITY places temporary credits to begin an investigation NEVER DONE to place WHAT LOOKS ** LOOKS LKE USAA CREDITS BUT WERE NEVER APPLIED they even have minus ( - ) signs MADE TO APPEAR THEY ARE INCLUDED IN THE TOTAL CREDITS FOR THIS PERIOD AT THE BOTTOM OF ALL AMOUNTS OF CREDTS ** BUT ARE NOT INCLUDED IN TOTAL CREDITS APPLIED FOR THIS PERIOD???. There are {$320.00} temp credits *** USAA USES TO PLACE PERMANET NEW CHARGES STEALING MERCHANTS CREDITS. HOW DECEPTIVE?? LOOK AT HOW LISTED CREDITS ABOVE TOTAL LINE ( ADJUSTMENT PURCHASES WITH A MINUS SIGN ) ** ARE NOT TOTALLED AT THE BOTTOM BUT ARE REVERSED?? USAA FABROCATED FRAUD to place WHAT LOOKS LIKE USAA CREDIT TO CONSUMERS SO THEY CAN STEAL MERCHANTS CREDITS. REALLY USAA? USAA ARE CRIMINALS. I STILL HAVE NOT RECIEVED ANY PERMANET USAA CREDITS AND IT IS TWO YEARS LATER. CRIMINALS NEED TO BE PUNISHED. HOW MANY OTHER CONSUMERS HAVE USAA FOOLED?
Consumer complaint received 2020-01-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc. (TX)

AMCOL Systems ( a debt collector ) reported a debt on my credit reports without notifying me of any debt owed. And previouslyy agreed already to remove it and have not. I have been fighting for many years regarding 2 amounts not owed by me that continue to be bought and sold by creditors and then reported on my credit without my knowledge. Disputes get acknowledged and the reporting removed only for the next creditor to repeat the same actions of that it acquired the fraudulent debt from. Please see that it is removed from all credit reports.
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

I purchased services with a third party dealer for XXXX XXXX and XXXX XXXX XXXX services in XX/XX/XXXX. They came to install at our apartment complex. Shortly after the services were installed, we began to have problems with reception and services. This lasted almost 2 years. We requested tech to come out and fix it but they could not climb up on our roof due to company policies. A representative told us they were not allowed to send techs on the roof to install satellites and wondered how we got one on our roof. The third party dealer did the installation but XXXX XXXX could not help us improve reception because we were not getting service most of the time. A representative agreed to waive our cancellation fee due to the severity of miscommunication, neglect and lack of customer service we received in prior to XX/XX/XXXX. I received a statement from XXXX XXXX XXXX in XX/XX/XXXX showing my balance paid in full at {$0.00}. After a year, Credence Resource Management began to harass me with calls all day and passed XXXX that I needed to pay a bill of {$220.00}. I disputed with both XXXX and XXXX but the debt collector produced a fraudulent statement that did not allow me to take the fraudulent debt off my account. I am requesting this be removed from my credit report and that XXXX XXXX XXXX, XXXX XXXX and Credence Resource Management be reprimanded for bringing false debts against me and for harassment.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLY FINANCIAL INC. (FL)

Ally Bank - I scheduled a deposit of XXXX from an external credit union to arrive at Ally bank on XXXX  The amount should have been XXXX. Due to my mistake in the withdrawal amount, the transfer failed. Ally notified me on XX/XX/. On XXXX, I immediately moved money from another Ally account into the checking account to cover the missing transferred money. I then called Ally to work through correcting this issue. 

The problem is Ally froze XXXX across 5 accounts making my available balance negative even though I had positive ledger balances in the accounts since I transferred funds immediately to cover the missed deposit. They froze my funds and refused to release the hold until XXXX. I begged, I requested escalation to management and every person refused 100 % to release the holds despite of the fact I had plenty of money in the accounts. I maintain approximately {$20000.00} average across 8 accounts with Ally and Ally shut my account off for 5 days despite having a positive ledger balance.
Consumer complaint received 2020-01-22
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. (FL)

XXXX XXXX is showing that I owe them {$620.00} on my credit reports. I talked to them and they say I was a authorized user on this account i have never used or gave anyone permission to put me as a authorized user this is not my debt
Consumer complaint received 2020-02-12
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: CITIBANK, N.A. (KS)

This is regarding billing dispute number XXXX. 

On XX/XX/2019, our XXXX XXXX tech support package renewed for {$100.00}. 
Previously, we had been to Best Buy and were told all protection plans were converted to the Total Protection Plan. This covers all electronics in the house and a {$49.00} service fee for in-home visits. 

On XXXX, we called to make a service appointment for our XXXX  XXXX. We were told at this point the package had not converted and we owed another {$210.00}. They stated they would refund the {$100.00} to the account. As soon as the purchase came through the account, I disputed the prior charge on XXXX. 

I filed a prior XXXX  against Best Buy complaining about the price difference being snuck up on us at the last minute and asked Best Buy to stand behind what was told at the store level, giving a refund difference for this year. XXXX with the XXXX  's office refused. You can reference the XXXX  if you go to Best Buy 's headquarters. 

It appears Best Buy 's credit came through on the same day of my dispute, presumably after I filed it. Best Buy ran the refunds as two separate amounts : {$32.00} and {$76.00}. Best Buy finally stated it was refunded this way due to breaking it into XXXX and Tech support renewal. I confirmed this when looking at my Citibank letter as well. 

On XXXX, Best Buy issued a response to Citibank that stated they had no record of my cancellation even though the account was clearly refunded on XXXX. Citibank probably caught the way it was broken up by the breakdown amounts. Then, there is a note further down that doesnt display a date next to it where Best Buy acknowledges the refund. 

On XXXX, Citibank issued a letter to me stating the dispute was resolved. 

I have filed another XXXX  report against Best Buy for numerous reasons, including recent problems with their XXXX XXXX as well as listing that I never asked approached them for a refund. Clearly, they should have investigated this on their end properly. 

My concern is if Citibank has flagged this dispute as mispresented. In the dispute summary online, it still reflects the dispute as open and pending investigation. I e-mailed this problem to billing disputes on XXXX ( only that it still shows open ). I also attached a copy of the dispute summary. I still have not heard back on the problem.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (OH)

Monterey financial is claiming I owe a debt to XXXX XXXX. I never received original communication from this company and was not notified I had thirty days to dispute as they are claiming I did. I received a response back from them after I requested debt validation and was told I had thirty days to dispute but again I never received the original notice. I sent a certified letter on XX/XX/2020 and at this time I received some documents. I requested verification a few months ago also. My main complaint is not receiving the original documentation within thirty days to dispute the debt. The company and this collection agency have the same address and work hand and hand so this is bogus and I want it removed from my credit! The original amount of debt they claim was owed is XXXX but the amount now owed is XXXX. The document that was sent does not have my signature. 

Monterey collections XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing USAA services.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (CA)

I have communicated with Discover Card via certified letters explaining my hardship and the financial condition I'm in due to unexpected XXXX XXXX and subsequent health problems. Due to health problems I am no longer able to work and provide the income that I had prior to my health problems. I have appealed to Discover Card Office of the  President on four different occasions explaining to them what terms would be feasible for me to sustain. Discover Card has not attempted in good faith to assist in resolving my dilemma. There has been no flexibility by Discover card a reasonable fixed lower interest rate, a reasonable monthly payment, and under a 60 month plan to pay off the balance. Discover card has merely offered the same standard plans of two options with exorbitant terms that in essence doesn't segway into the opportunity to pay off the debt in a reasonable time. The only response Discover Card has made is the standard option they offer to every customer as a one option fits all.
Consumer complaint received 2020-01-22
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. (IL)

On XX/XX/XXXX, I reached out to XXXX XXXX and several other medical supply companies in-network for my insurance at the time attempting to purchase a XXXX pump. I told XXXX that I only wanted a XXXX pump if it would be fully covered by my insurance. On XX/XX/XXXX, XXXX XXXX from XXXX told me that my insurance had denied my claim. I was due to give birth in just two weeks, so I purchased a XXXX pump from another company. XXXX later sent me a XXXX pump without my approval or knowledge. They sent it along with a bill for {$40.00}, which was my co-insurance. I paid the {$40.00} and my insurance paid the rest of the bill. I already had a XXXX pump from the other company, but I figured I would keep this one and have one for work and one for  home, and {$40.00} co-insurance would be reasonable. However, XXXX kept sending me a bill for {$40.00} per month, totaling {$240.00} over the course of 6 months for co-insurance. The total bill including the insurance amount was {$590.00}, a totally unreasonable amount for a device that should have been free with insurance. You can buy a XXXX pump on XXXX for around {$150.00} or even less with no insurance. When I realized this was a shady " rent to own '' scheme I had never agreed to, I asked to return the pump. However, XXXX refused and transferred a debt of " {$310.00}, '' which I never authorized, over to the XXXX XXXX XXXX. XXXX has now incorrectly reported me as " past due '' for this item. I disputed this item on my credit report with Experian on XX/XX/XXXX, and included the email thread I had with XXXX. However, on XX/XX/XXXX, Experian closed my dispute in favor of XXXX. 

I called Experian on XX/XX/XXXX and asked them to reopen the dispute, which they did. However the agent on the phone said it would likely be closed again, and she suggested that I file a complaint with a government agency such as the FTC or CFPB because then Experian could really take action. So that is what I am doing.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FMS Inc. (FL)

FMS IncXXXX is reporting incorrect information on credit report in that they are reporting accounts that are being paid through an official agreement ( payment plan ) with XXXX XXXX XXXX Hospital, accounts that are not being handled/overseen by FMS but directly with XXXX XXXX XXXX.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Bank of America is in clear violation of Reg Z 1026.5 General disclosure requirements. On at least 5 occasions, BAC has failed to produce an accurate monthly statement which clearly reflects the balances subject to finance charges due to the fact that for each rate the balance is either XXXX or the field is blank when in fact I do have a balance subject to a specific interest rate. Furthermore, they are assessing interest charges on said balances. I have tried multiple times to raise this with the bank and the reps do not understand Reg Z requirement nor are the at aware of the disclosure on the bank of the statement which clearly outlines what each section of the statement means and it is required to reflect the details of the loan. 

If requested, I would be happy to provide a copy of a statement.
Consumer complaint received 2020-01-22
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Freedom Mortgage Company (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

Nelnet has been continuously negligent by providing false information on numerous occasions. IN CFPB Case XXXX Response they failed to answer FCRA legal request and provided incorrect loan payment amounts. Payment amount in case was stated as a higher amount than due on website. This is illegal under FDCPA by trying to collect more than is due at any given time. Nelnet has continually breached it's Federal Contract, provided misinterpreted, misleading, and incorrect information. It has reported incorrect information to CRAs repeatedly. The CFPB and Department of Education continue to ignore this gross misconduct even when provided with information from solved disputes from CRAs where Nelnet was at fault of giving incorrect information, evidence of negligence and collusion, evidence of slight and intentional negligence.