davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (FL)

Received a call from a unknown company, they claimed I owe a {$14000.00} debt to Check Cash and Go from XXXX. I advised the representative I had no idea what that company was or any recollection of obtaining a loan for that amount, representative then said it was initially a loan for {$300.00}. I requested copies of the loan agreement and they refused to send and the representative stated due to my refusal to pay and officer was going to assign a warrant and serve me court paperwork to my employer and residence. 


This company has contacted my family members and have provided them with my last four of my social without even asking their relation to me.
Consumer complaint received 2024-02-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IN)

I have three accounts with synchrony bank, or had. Lowes, Amazon, and XXXX XXXX. All of my accounts with them have always been in good standing, I use the accounts frequently and I pay them down or off quickly. 

Amazon had a {$2900.00} limit XXXX XXXX had a {$1500.00} limit Lowes had a {$1000.00} limit These limits were as of mid XXXX after making my monthly payments, and the amount owed on these cards were Amazon {$1100.00} Lowes {$35.00} XXXX XXXX {$0.00} After I made payments on these cards I received letter that stated that they closed my Lowes account because I was no longer credit worthy based on information they received from XXXX. 
A few days later they cut my Amazon from {$2900.00} to {$1100.00} Today my XXXX XXXX was cut to {$100.00} from {$1500.00}. They stated it was " after a review of my account ''. 

My accounts have always been in good standing, all of them. I have never had a late payment. I have always used my account in a manor of the agreement I signed when I opened the credit cards. They quoted I had high balances on the letter I received from my Lowes card. I wont lie I did, and then I paid them off. Most of the information they obtained was not current or accurate. 
Two of the cards that had a high balance according to the the statement they used from XXXX were paid in full at the time they received the information. 
Unfortunately the only person that is damaged by this is me. I do not have a ton of revolving credit, so having my account drop from a total of {$5400.00} to {$1200.00} which is around 78 % is extremely damaging. 

All of my account have been in good standing from the time I opened them. Synchrony basically snowballed my credit into a bad place with out me every doing anything against my contract terms. 

I would rather not attach files due to personal information but I can supply them if needed. Also this is for 3 different account I only had the option of providing XXXX account number but I can provide the rest if needed.
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

I called them on Thursday the XXXX and was on the phone for 58 minutes, on hold, and then they hung up on me. They told me to go online repeatedly in the gold recording, but when I went online I was still not able to find my answer and found out that my payments were going to be higher with the SAVE plan they were pushing because it does not take into consideration the cost of living in my area
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (VA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

About ten years ago, Citizens bank and myself had an agreement that in order to avoid monthly charges on my checking account, I will have {$10.00} transferred monthly from my IRA Savings to the checking. 

Now that I closed my checking account in XX/XX/year>2024 and moved the funds elsewhere, I thought that the {$10.00} transfers would stop since there is no checking account. Alas, the transfers continued in form of a XXXX XXXX  monthly checks sent to my home address against my wishes. I asked the bank numerous times to stop these withdrawals and leave my retirement account alone, to no avail. These monthly withdrawals from my retirement account are unauthorized and need to stop. 

I of course will move my retirement account elsewhere but it takes time. Meanwhile the Citizens bank does with my funds as they wish.
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MS)

We use CashApp so that members can give their Tithes & Offerings virtually/digitally. CashApp has limits that prevents us from having total access to the funds the members have given. For example from their app is the following limits, Send {$15000.00} per Week {$45000.00} per Month Receive Unlimited Add Cash {$15000.00} per Week {$45000.00} per Month Cash Out {$25000.00} per Week As a result of these limits, we have a high balance with CashApp that we can not access.
Consumer complaint received 2024-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (GA)

I visited XXXX XXXX a total of 3 times, the XXXX time, was the initial exam XXXX XXXX XXXX and he stated that he recommended XXXXXXXX XXXX XXXX XXXX due to XXXX XXXX XXXX The second time I visited XXXX XXXX ( XXXX later XXXX XXXX XXXX stated that he could not due XXXX due to him having no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would do it. XXXX XXXX needed all of my XXXX XXXX which I emailed several times and the staff stated they did not receive it. The XXXX time I visited XXXX XXXX XXXX XXXX XXXX did not remember me at all, had no record of me ever being there and was not sure what to do when I handed him the XXXX of all of my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX notes. He sent me for a XXXX XXXX but his staff would not do it due to the XXXX and XXXX in my XXXX XXXX Upon leaving the staff told me my insurance was approved and I only owed the {$65.00} co-pay which i paid. Due XXXX XXXX XXXX confusion, i decided to go to XXXX to have the XXXX. XXXX XXXX would not send XXXX the XXXX  that I gave them or any of their notes until I paid {$850.00} which they stated that I owed for the XXXX XXXX that was not given. I paid the {$850.00} and they sent the records. Carter -Young collections knows all of this but will not remove the charge and keeps reporting it every month. I have sent Carter Young this info again and again
Consumer complaint received 2024-05-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (IL)

I have been with this company for years and every time I call to get information, the information differs. I never get communication at all, email or mail, even though they say they send the information, including billing statements and loan details. When I called XX/XX/24 to discuss lowering my monthly payment, they told me to go refinance with another company because they won't/ca n't do anything else. I can't refinance because the balance is too high and the interest rate I have with them is lower than anyone else, yet the payments are still too high. They don't seem to care about me as a person. They inherited me from XXXX XXXX and it has been a pain in the rear ever since day XXXX.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Frontline Asset Strategies, LLC (GA)

i moved out my place XXXX XXXX tried multiple times to break lease due to abuse. they wouldnt let me because new management and charged me for the months on top of XXXX XXXX eviction. i also have a lot of charge off cars in XXXX a XXXX XXXX  $ XXXX with XXXX XXXX  and XXXXXXXX XXXX XXXX  XXXX with XXXX. also a XXXX bill {$3000.00} 2phones and a wife box that was given back and 1 phone was paid off
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Neon Newco Corporation (IA)

Netspend, XXXX XXXX XXXX, XXXX, TX XXXX Bank Name XXXX, XXXX. Has sent me 7 XXXX  Debit cards with my address and someone elses name. This card states it has no cost to activate, no credit check and no minimum balance required and earn cash back offers with Payback Rewards. I did not request these cards and have contacted Netspend to ask where they received this request with my address. They advised they didnt receive it through a credit check and got it from another source, but could not be specific as to why its my address but not in my name. Each card had a different name, this is fraud. Ive requested the company tag, identify or indicate in their system any requests for my address are a fraud request. These started about a year ago. Ive also completed a fraud request through my states attorney generals office. They sent a letter to Netspend and received no response from them. They advised me to come to you. Within the last 6 weeks, Ive received another 4 cards. The company keeps advising me to disregard these cards. If I dont activate its just junk mail. I dont believe this, Ive requested my address be removed, this continues to not happen. Each request, I reject the card on the toll free number provided in the letter. Each time a new debit card number is different and I have to reject the card through their system. This company needs to stop. This type of marketing is fraud. Please help.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-07
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (NY)

As a resident of XXXX I attended a conference in XXXX XXXX XX/XX/year>. Some agents in front the XXXX XXXX  were giving away free tickets to a XXXX XXXX XXXX XXXX in order to receive the tickets they advised not much but a XXXX tour which turned into XXXX hours with video presentations & was in fact ( XXXX XXXX XXXX XXXX  ) a timeshare company selling vacation travel. 
After presentation ( XXXX XXXX agent ) advised me that opening a new rewards credit card with American Express Hilton honors points card I will receive XXXX points with discounted rates on travel, flights hotel and other expenses. I only agreed to open the credit card to receive rewards. 

Furthermore paid {$190.00}. with my debit card for local 3 day trips only. met with ( XXXX XXXX manager ) I was curious about the cancellation process I asked what is the policy? He stated 14 days from today. When i arrived back to XXXX i review the agreement & see it says within 7 days to cancel, ive tried numerous times to contact anyone 's number or email with attempts to cancel they were also giving me the run around saying I can not cancel. I spoke to one woman who stated I have 3 days before I can cancel she gave me a number to call. I left a voice message and multiple emails about canceling and did not receive a response until days later stating it is too late to cancel they will investigate.

The last email response was you can not cancel it is too late there is nothing we can do for you even while I'm explaining about ( American Express hilton honors ) credit card was processed without my knowledge or consent. For {$4400.00} which is Not at an {$4700.00} I tried reaching out to American Express fraud department numerous times agent ( XXXX & XXXX ext XXXX ) explaining what happened they insisted I go back to XXXX and file a police report which I was not able to do. Where they left me with no assistance whatsoever. now I am stuck in the process of going the court with American Express suing me for an unpaid balance I never authorized with consent or had knowledge about.
Consumer complaint received 2024-02-23
Product: Credit 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. (TX)

In XXXX XXXX XXXX purchases were made on my credit card from an individual in Missouri. I was alerted by Chase of possible fraud and confirmed with them that I did not make those purchases. Shortly after, the person who stole my account information called into Chase to impersonate me and tell them that I was in Missouri and did make the purchases. They gave this person my personal information. I have filed several fraud alerts to Chase and they have done nothing since, insisting the fraudulent person is me. The charges remain on my account and are severely impacting my credit score. Chase has made no serious attempt to resolve the issue.
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Between XX/XX/XXXX, and XX/XX/XXXX, several unauthorized transactions were processed through my PayPal account, totaling {$670.00}. All of these transactions were made to XXXX, a service I have not used since XXXX. To support this, I provided PayPal with a screenshot of my XXXX account showing no activity since that time. 

Despite my prompt report of these unauthorized transactions to PayPal, my claims were denied within less than XXXX minutes, and these decisions were made outside of XXXX typical operating hours ( XXXX XXXX ). This rapid dismissal of my claims raises serious concerns about the thoroughness and legitimacy of PayPal 's investigation process. 

Here are the steps I have taken so far : -Reported the unauthorized transactions to PayPal and provided supporting evidence ( screenshot of XXXX account activity ). 
-Requested a thorough investigation and re-evaluation of my claims from PayPal XXXX 
-Received a response from PayPal stating that I had signed up for a billing agreement and that there was no unauthorized access to my account. PayPal canceled the billing agreement but did not refund the unauthorized charges. 

Despite my efforts to resolve this issue directly with PayPal, they have refused to conduct a proper investigation or provide a refund for the unauthorized transactions. 

Dates, amounts, and actions taken : Date Range of Unauthorized Transactions : XX/XX/XXXX - XX/XX/XXXX Total Amount : {$670.00} Merchant : XXXX Date of Initial Report to PayPal : XXXX XXXX  XX/XX/XXXX, XXXX Date of PayPals Response : XXXX XXXXXX/XX/XXXX, XXXX Actions taken by PayPal : -Denied my claims in less than 20 minutes. ( leading me to believe the response was automated ) -Canceled the billing agreement but did not refund the unauthorized charges. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (OH)

I challenged this account in the past with the CRAs and the direct furnisher to get this account removed off my consumer profile due to all the inaccurate information that was being reported with this account. This company has violated a lot of U.S. Codes and Regulations Laws, Federal Laws, State Laws, committed perjury and Tax Fraud with what they have reported and furnished to the CRAs. I reached out to Self Financial Institution on XX/XX/24 in regards to this erroneous account still being in their system and notified them that this account is being challenged due to the status of the account. Self Financial Bank defined the status of this debt as a charge off account, which indicates this account as income. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate.

if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. failure to be compliant with my request and remove this account goes completely against the laws of Regulation B and the state and federal Laws that 've been set in place for the protection of consumers. I need this to be resolved expeditiously.
Consumer complaint received 2023-09-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Optio Solutions, LLC (FL)

This is XXXX XXXX XXXX, I filed for Bankruptcy on XX/XX/2023. 
Im receiving harassment telephone calls from Optio Solutions.

Im requesting this company to cease & stop contacting me about a debt I dont owe. 

Im in pre litigation with XXXX. 

In the court case or arbitration meeting all matters will be resolved and addressed by my attorney. 

An automatic stay has been ordered by the petition filing of my bankruptcy. 

If Optio Solutions continues to contact me I will file harassment charges and a lawsuit against this company.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

This is a phone bill me and my sister shared. 
My sister stop making her portions of the payments and I could no longer continue with the installments by myself. I notified XXXX  of this and sent both phones back as per their request. This {$1300.00} was reported to my credit report 7 YEARS AGO. Ive called numerous times to ask and to be given proof on how and why my balance is {$1300.00} and I didnt have an answer then and still dont have an answer now. That amount is not correct. Im a new single mother and the sole provider of child. I can not afford to pay {$1300.00} out of my pocket. This debt is from XXXX. It was taken off recently than all of a sudden a different collection agency picked it up and reported it to my credit report again. By law if something is XXXX XXXX XXXX it must be taken off your report which is why it was taken off recently. This Jefferson collection agency has been calling and sending me mail about a {$1300.00} debt that I still have no clue on why its {$1300.00}. XXXX cant even give me an answer because they cant pull up the account from it being too old. I need help with this. This is affecting me.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (CA)

XXXX I started with XXXX XXXX XXXX ( XXXX ) to help with credit card debt. One of the requirements was that I had to go past due on my credit card debt. Which I did, but didn't feel comfortable with. Discover tried to sue me then, but it was not completed because I had legal counsel through XXXX. 

On XXXX I retired and my income was substantially reduced and I couldn't afford my payments to XXXX so I dropped out of the program. 

Then on XX/XX/XXXX out if the blue I received a packet from XXXX XXXX XXXX with judgement papers. I have no recall of receiving any prior communication from them. This debt is old and I should not be sued
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.