davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRSTBANK PUERTO RICO (PR)

On XX/XX/XXXX I made a purchase at XXXXXXXX XXXX with my card for {$29.00}. The next day I see a second transaction in my bank account for {$50.00} from the same business and day. I went to the store to complain and they reviewed the tape of card purchases that day. And they responded to me that they only have XXXX transaction for that card for {$29.00} I proceed to call the bank to make the claim. I called for status after 10 days and they informed me that the transaction proceeded and that it was made with a PIN. I also received it in writing in a letter. He explained and asked if they went to the store to corroborate what they told me. And they submitted a reconsideration called on XX/XX/XXXX and they responded the same as the first claim. I went to the store and they told me that the bank did not call them or request information. And he gave me a copy of the card report showing XXXX transaction for {$29.00} What I want is for them to credit me with the {$50.00} they debited me that I did not do. I only made XXXX for {$29.00}
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TX)

CREDIT COLLECTIONS SERVICES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$52.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I saw a promotional offer on my American Express credit card to get cash back for XXXX subscription. I enrolled in XXXX XXXX on XX/XX/XXXX, which gave me a 7-day free trial as a new customer, so the first charge occurred on XX/XX/XXXX. Although the Amex offer expired on XX/XX/XXXX, I did not think it would be a problem because there was a line explicitly saying If you are a new customer receiving a free trial, you must be enrolled in the free trial prior to the campaign end date to qualify. This line made believe that AMEX was aware that there is a free trial period and I would be fine as long as I enrolled in XXXXXXXX XXXX before the offer expired on XX/XX/XXXX, which I did enroll and sign up for XXXXXXXX XXXX on XX/XX/XXXX. And yet, AMEX declined to honor the offer and I did not get any cash back. I contacted AMEX first via online chat on XX/XX/XXXX, and then again on XX/XX/XXXX, and then called them on XX/XX/XXXX for 1 hour and 18 minutes. Each time I had to explain the situation to the representative all over again. There was a lot of frustration that they insisted that I can not get the rewards because first charge occurred XX/XX/XXXX, when the offer expired XX/XX/XXXX. And each representative declined to recognize that I should have been qualified because I enrolled XX/XX/XXXX before the offer expired according to their own marketing material.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (MN)

There are a total of XXXX accounts reporting on my credit report from a company called XXXX XXXX XXXX. These accounts are fraudulent and they do not belong to me and I respectfully request that you remove them from my credit report expeditiously. I have filed police reports and and will be sending the original creditors these documents as well. 
The accounts are as listed below XXXX : Original Creditor : XXXX XXXX XXXX XXXX {$2700.00} Account No. ( Partial ) : XXXX Date open : XX/XX/XXXX Reported : XXXX XXXX, XXXX XXXX : Original Creditor XXXX XXXX XXXX XXXX : {$620.00} Account No. ( Partial ) : XXXX Date open : XX/XX/XXXX Reported : XXXX XXXX, XXXX XXXX. XXXX : XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX {$520.00} Account XXXX. ( Partial ) : XXXX Date open : XX/XX/XXXX Reported : XXXX XXXX, XXXX
Consumer complaint received 2024-05-27
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (FL)

I was XXXX  into a lease reneweal after undergoing XXXX XXXX  notices, for not renewing their leasing terms. Which in return I was XXXX into signing a new lease in which 30 days later I was XXXX to move and was XXXX with a XXXX debt owed when I have not stayed at the property for that long.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-05-08
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. (FL)

FCRA 605B mandates the elimination of any incorrect accounts from my credit report. Could you take a look at the documents? Certain listed accounts display inaccuracies concerning reporting, amounts, and dates.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (UT)

O I believe XX/XX/2024 around XXXX I attempted to make an online purchase via XXXXXXXX XXXX  with my Citi card. Citi bank had out a block on my card until I could verify. I called Citi bank verified my identity Citi bank said my card was good to use I attempted to use it same thing I called and verified again once again I was told my card is good to use. I attempted to use it another time the same situation as before. I attempted this a total of 5 or six times. Citi bank has locked my account and said they were closing it with no explanation. I attempt to ask questions or ask about my funds in my account and why my account was closed when I had verified several times Citi bank hangs up on me before answering any of my concerns. I did nothing wrong and this is not right all my funds direct deposit go to this acccount and now I am suffering financially I cant pay my bills cause of Citi bank they are preventing me from feeding my children.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

XXXX XXXXXXXX thru XXXX activity and XXXX to transfer chime I have no active chime account or transfer activity and we see transfer activity via XXXX XXXX  checking transfer without my permission Absolutely fraudulent activity. And enclosed pic shot and actual transaction report to XXXX XXXXXXXX bank he denied due transaction Is not my authorized transfer chime Is fake and fraud action required by XXXX XXXX and chime play me fraud active transfer XXXX chime
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I received a letter dated XX/XX/year> from Portfolio Recovery Associates , LLC. In this letter, the said company stated that they were the creditor of this alleged debt that I allegedly owed for the amount of {$350.00}. 

I have never done business with XXXX, XXXX and their claim of being a creditor of an alleged debt that I allegedly owe is considered false representation. I challenge PRA, LLC to produce an agreement that I have with them that expressly authorizes them the right to collect any amount and showcases that they are the creditor the alleged debt under the penalty of perjury. I have attachments to support my claims. 

PRA, LLC has also reported to XXXX, XXXX, & XXXX that I allegedly owed them {$350.00}. PRA 's failure to produce proof that I owe them under the penalty perjury and/or court order while reporting to the consumer reporting agencies is a defamation of character and it's oppressing my reputation financially. 

I am demanding the removal of this item from all consumer reports or I will take legal action according to Fair Debt Collection Practices Act for violations and defamation of character.
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: ENOVA INTERNATIONAL, INC. (GA)

On XX/XX/XXXX I received an email stating I was denied credit for some type consumer credit application from Net Credit. I do not know this company and I have not provided them any information. Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Applicant 's Name : XXXX XXXX Account # : XXXX Application # : XXXX Applicant 's Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Dear Applicant : Thank you for your recent application. We regret that we are unable to approve your request for consumer credit. 

Your application was processed by a credit scoring system that assigns a numerical value to the various items of information we consider in evaluating an application. These numerical values are based upon the results of analyses of repayment histories of large numbers of customers.
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (CA)

Chime company has not protected my money whatsoever. I trusted them with my hard earned money but they have no care whatsoever. I have been a customer for a long time but will close all my accounts with them. Thousands worth of charges were made on my credit builder card from XXXX which is from offshore somewhere. I received multiple Fraud Alert messages from Chime if I did the transaction in which I replied no but they still let all the transactions go through. There were about more than 20 transactions of {$99.00} made on the same day. I tried reaching out to them but through multiple avenues and it was only last night I was able to reach a person in which I voiced out all my problems, they opened a dispute for the transaction it was only a few hours later of investigation they denied and charged me for all those 20+ transaction. How can they ping a fraud alert but still let those transaction go through, how can they investigate for only a few hours, they did not even reach out to the merchant about this whatsoever. They failed to protect my money.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact, a victim of this data breach, and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

There are unknown unauthorized addresses and inquiries I did not authorize coming from Experian consumer report. Please block and delete the following information : XXXX XXXX XXXX XXXX  Resident Verify XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NC)

Identified an incorrect balance being reported on my credit report. My loan is consolidated and they are reporting two. They are also reporting double the balance that is owed. I have submitted a request through the credit bureaus and it is still in pending status waiting on Mohela. 

Submitted on XX/XX/year>. Complaint was supposed to be reviewed and resolved by XX/XX/year>. Still no response and it is XXXX.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX {$0.00} XXXX XXXX Balance {$2400.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX Balance {$1500.00}
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I applied for assistance with my servi cer Nationstar to save my home. Nationstar made an error and mis valued my home by  an enormous amount. They valued my home at {$400000.00} and the actual value is closer to {$260000.00}. This caused me to get denied. I had hired an attorney to assist me with the paperwork and they appealed the denial for me within the timeline to appeal on   XX/XX/16    .  Nationstar ignored this appeal advising there was a mistake in their review. Per their reply  since I did not actually do the work they were su pposed to do ( Giv e them an actual appraisal ), they say there is nothing they can do and the program that I qualify for no longer exists. I think this is terrible and maybe illegal. How can a servicer ignore something that is so drastically wrong. Not only is Nationstar negligent in denying my modification request with a false grossly inaccurate valuation, but they are also doing their investor ( owner of the loan ) a great dis service.I am willing to pay my entire loan. The owner of the loan is about to take a massive loss based on their false valuation. My attorney be lieves Nationstar is d oing this to evade actually reviewing me ( with the correct information ) for assistance because they simply want to foreclose.
Consumer complaint received 2024-05-27
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: SYNCHRONY FINANCIAL (PA)

I bought XXXX worth of items from a fender. Wing steering wheel, fender and bumper for my XXXXXXXX XXXX XXXX I have given them all the conversation with the party. He told me first he would send. Me the shipping money to send the stuff back he never did. Then I opened a dispute he then said if I close the dispute I can get the XXXX but I then found out the wing was poorly cheap and wanted XXXX no help nothing and then blocked me and wont do anything the bank showed me screenshots that he sent me addresses which Im aware but he never gave me a label as Im not paying for it. Then he later said if I close the dispute he will refund me. Venmo keeps siding with him knowing the agents I talk to read the conversation
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

XXXX, XXXX, and experience are reporting incorrect, erroneous, and misleading information on my credit report. They are each in clear violation of the fcra. I move for complete deletion of late payments and any account missing information which merits incorrect and unverifiable information.
Consumer complaint received 2024-05-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (NC)

Attention : XXXX XXXX XXXX XXXX XXXX RENT RECOVERY SOLUTIONS LLC XXXX XXXX XXXX  As gathering evidence : : : :I am writing to formally file a complaint against Rent Recovery Solutions for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my numerous attempts to resolve these issues directly, the company has continued to engage in deceptive, misleading, and oppressive practices. Below, I outline the specific FDCPA violations and the actions I intend to take : XXXX. Failure to Provide Validation Notice ( XXXX5 U.S.C. 1692g ) : Rent Recovery Solutions failed to send me a validation notice within XXXX days of their initial communication, as required by the FDCPA. This notice should have informed me of my right to dispute the debt within 30 days. Despite XXXX attempts to obtain this information, Rent Recovery Solutions has not complied. 
XXXX. False or Misleading Representations ( 15 U.S.C. 1692e ) : The company has falsely claimed that they are not a debt collector, despite engaging in debt collection activities. This misrepresentation is deceptive and misleading.

3. Harassment or Abuse ( 15 U.S.C. 1692d ) : By failing to follow the law and provide the required validation notice, Rent Recovery Solutions has engaged in behavior that I feel is oppressive, abusive, and has caused me harm. 

Additional Actions : I will be filing a complaint with the Attorney General of North Carolina and the Attorney General in the state where Rent Recovery Solutions is registered. 
I have already filed disputes with the major credit bureaus regarding the inaccurate and unvalidated debt information reported by Rent Recovery Solutions. 

Final Notice : This is my final notice to Rent Recovery Solutions to comply with the FDCPA. Ignorance of the law is not an excuse for non-compliance. I demand immediate proof that they sent me my rights to dispute the debt within XXXX days of the first communication, as mandated by law. 

Failure to address these violations promptly will result in further legal action, including but not limited to filing a lawsuit for statutory and actual damages, as well as attorney fees and costs. 

Thank you for your attention to this serious matter. I look forward to your prompt and thorough investigation into these violations
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (TX)

Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 92 A. STATES I HAVE THE RIGHT TO FRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio recovery is the name, they call at all times of the day before legal operating hours, before XXXX, late at night. Its completely harassment for almost there years now. Ive disputed this debt with them. My next step is to file a complaint with the XXXX  This needs to be taken care of immediately. Its illegal what they are doing. Stay away from portfolio recovery and there harassment tactics.