davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

On XX/XX/XXXX, I ordered XXXX XXXX XXXX XXXX XXXX XXXX The plan claimed download speeds between XXXX and XXXX XXXX, and has 30 days satisfied guarantee policy. However, XXXX could only provide about XXXX XXXX  download speeds to me. XXXX weeks later, since XXXX tech support team could not solved the problem, I had canceled the order on XX/XX/XXXX. XXXX charged me {$27.00}, and I was told once I had returned the XXXX device, the bill would be cleared. 

The XXXX device I returned was delivered to XXXX return center on XX/XX/XXXX. However, XXXX did not clear the charge, instead it sent me a bill of {$27.00}. I contacted XXXX by calling XXXX to correct the mistake bill. The employee who received the phone call told me that she could not fix the problem because the debt is in XXXX 's collection team. So I mailed a dispute letter to XXXX 's XXXX XXXX. On XX/XX/XXXX, a person from XXXX called me said that I did review the account and apply the credit XXXX to the account to close it out with no charges due. 

However, in XXXX, XXXX, XXXX XXXX XXXX XXXX was collecting the {$27.00} debt from me for XXXX. I had disputed the XXXX XXXX  XXXX and XXXX XXXX mail me that they will no longer collecting the debt and returned it back to XXXX XXXX. 

But this is not the end of the story. Now, on XX/XX/XXXX, more than half a year, XXXX send another debt collector, Jefferson Capital Systems, to collect that {$27.00} debt that I never owed.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK (NY)

From the beginning of this story, I met someone online, and this ( scammer ) person was willing to help with my payments, but when this ( scammer ) person gave me permission to pay my credit card bills ( Discover credit card ), those payments were returned to me, and I kept doing that every time the payment went through in the beginning and returned it. This ( scammer ) person had tried asking me to send money from my credit cards to random people that I do not even know, which makes me frustrated because on my end, I don't even have that much money in my pocket. 

DISCOVER CREDIT CARD XX/XX/2023 {$720.00} ( XXXX XXXX XXXX  ) XX/XX/2023 {$490.00} ( XXXX XXXX XXXX ) XX/XX/2023 {$540.00} ( XXXX XXXX XXXX ) XX/XX/2023 {$30.00} ( XXXX XXXX XXXX  ) XX/XX/2023 {$670.00} ( XXXX XXXX XXXX ) XX/XX/2023 {$30.00} ( XXXX XXXX XXXX ) XX/XX/2023 {$30.00} ( RETURNED CHECK CHARGE )
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: JPMORGAN CHASE & CO. (NY)

From the beginning of this story, I met someone online, and this ( scammer ) person was willing to help with my payments, but when this ( scammer ) person gave me permission to pay my credit card bills ( Chase credit card ), those payments were returned to me, and I kept doing that every time the payment went through in the beginning and returned it. This ( scammer ) person had tried asking me to send money from my credit cards to random people that I do not even know, which makes me frustrated because on my end, I don't even have that much money in my pocket. 

CHASE CREDIT CARD XX/XX/2023 {$1000.00} ( SENT AND RETURNED ) XX/XX/2023 {$750.00} ( SENT AND RETURNED ) XX/XX/2023 {$1000.00} ( SENT AND RETURNED )
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am an USAA member and have checking accounts and insurance services with them. 
Since XX/XX/2024 I am having problems when I call their XXXX number to speak directly to a live representative. 
When I enter my member number or social security number, the system says : " Sorry, that is not a recognized member number or social security number ''. 
My USAA membership is active and up-to-date and there might be a system glitch that is not being resolved despite the number of calls I have made since then. 
Since XX/XX/2024 I have called USAA numerous times about the same problem and have been treated by some representatives with little or no respect, or proper interest on my issue, and there is still no resolution on my case. 
On XX/XX/2024 a representative named XXXX from the XXXX XXXX XXXX XXXX called me stating that the USAA voice recognition issue was related to my phone number being attached to another member 's number ( my deceased mother ) and transferred me to the XXXX XXXX 
Based on my conversation with representatives from that department, that is not the issue. 
Yesterday I called USAA again and spent almost ten hours on and off the phone and spoke to several member representatives, which included XXXX in XXXX XXXX who told me that she was going to put a ticket request to the support team to resolve this issue. 
By the end of the day I was transferred to XXXX back on the XXXX XXXX XXXX, which again, that department had nothing to do with my phone log in issue, and she told me that looking on my member profile, she didn't see any ticket request put by XXXX yesterday and the only ticket she saw was dated XX/XX/2024 that was still showing as an open ticket ( by XXXX/XXXX/XXXX ). 
During all the phone call transfers, I was also connected to XXXX in XXXX XXXX and as she became frustrated with my call, she simply blocked my member online access, which created a new problem and I had to call USAA again to have my member access unblocked. I was connected to another representative named XXXX, and that process took over one hour. 
Today I am still having problems with my phone access and getting the same voice error message. 
I also had a new problem with a XXXX transfers, and when I tried to process a transfer from my USAA to my XXXX  account, the system immediately not completed my transaction and requested me to contact USAA. 
I made a transfer test in the amount of {$1.00} through XXXX from my XXXX to USAA and didn't experience any problems making the XXXX transfer from my XXXX account to USAA, so the issue was with USAA and not XXXX. 
This is a new problem that I am having with USAA. 
I have been trying unsuccessfully to resolve directly with USAA but have unable to resolve all these issues with them, so now I and requesting CFPB to assist me to request resolutions from USAA.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fig Tech Inc. (CA)

I had an installment loan with Fig Tech ( aka Fig Loans ). Due to XXXX and several other health and family personal emergencies, I was delinquent on paying my monthly payments. In XXXX of XXXX I paid the entire balance owing on the account. I requested that the company provide accurate account information to all three credit bureaus reflecting the current account status. I also requested that they remove any derogatory remarks in good faith as I was dealing with a great deal of stress during the time of this loan as I had several members of my family die of XXXX and had other personal and financial difficulties I was dealing with. 
When things improved, I contacted the company and Paid In Full my entire balance, despite the fact that they had written/charged off the entire amount of the loan roughly {$760.00}.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXXXXXX  I received an alert in my credit monitoring account where a utility accounts that is not mine, is reported in collection under my name and I noticed that i have two accounts that were opened under my name without my consent or authorization. I immediately took action on this issue because i have never had a bad credit history and also, noticed an incorrect name and incorrect address that does not correspond to me. I already reported my suspicions at the police department. Know in XX/XX/XXXX, i receive a new notice about other account reporting under my name that i have never used from BRCLYS BANK and they reporting lateness. This account and the other two from XXXX XXXX and BRCLYS BANK also reporting the same thing. Please helping me with this issue because i have many time trying to resolve this mare with the credit bureaus and nothing happens.
Consumer complaint received 2024-05-16
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: CITIBANK, N.A. (NJ)

On XX/XX/XXXX, I paid {$2400.00} to XXXX for a XXXX XXXX XXXX XXXX  and scheduled an appointment for XX/XX/XXXX. I was made aware of the cancellation policy, which provided for a full refund if the XXXX was cancelled at least 3 business days in advance. I attempted to cancel my appointment on XX/XX/XXXX and XX/XX/XXXX by calling XXXX 's customer service number. XXXX did not cancel my reservation. When I initiated a dispute through my credit card company, Citibank, they did not dispute my attempts to cancel the appointment and offered to reschedule or refund 50 % of my money. Citibank asked me to provide a response to XXXX 's communication, which I did, on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Citibank falsely indicating that I did not provide the requested information and they were closing the investigation. I called Citibank and requested the investigation be reopened and for them to actually read the information I provided. Citibank then changed what information the requested from me in a letter on XX/XX/XXXX, by indicating that I needed provide documentation that XXXX agreed to credit my account. Obviously, that was not possible as XXXX was not offering to credit my account. I explained this in a letter to Citibank and their response on XX/XX/XXXX was that they " no longer have any available means to assist you in this matter since the timeframe in which to resolve a dispute has passed. '' Citibank was clearly not interested in protecting me in this matter. At the very least, they did not act with competence, or at worst were dishonest with me. Ultimately, they use their own delays in the matter as justification for closing the investigation. The end result is that XXXX has {$2400.00} from me and has not provided me with a single good or service.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (GA)

The collection company put a collection on my account. I had canceled my former ( XXXX  ) insurance.I had purchased car insurance with another company XXXX XXXX and Now I currently have XXXX XXXX. I emailed copies of my XXXX  cards. And my policy. XXXX emailed me saying I owe a {$0.00} balance .But the collection company is trying to charge me and they put it on my credit. {$750.00}
Consumer complaint received 2024-01-24
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (OR)

Comenity Bank both Lane Bryant Cards and Ulta Cards. This issue has happen several times. I have listed the transactions below. When you make payments there are four options available. Minimum Payment, Statement Balance, Current Balance, and Other Amount. I selected the Current Balance and made the payment of {$84.00}. I would assume that is the payoff amount. After my balance shows {$0.00}. Payment due date is the XXXX of the month by XXXX EST. I made the current balance payment on XX/XX/XXXX. On XX/XX/XXXX I received a bill for {$2.00}, when I called they told me the same thing they always tell me which is the {$2.00} is interest from the previous month. However I payed of the debt the month prior. so why interest. The first time this happened to me in was my Ulta card carried by the same card company. I didn't catch the fact that I owed {$2.00} and they charged me a late fee of {$35.00} on top of the {$2.00}. I explained to the company that I have been using cards for quite sometime and if I select current balance and make the payment before the date, I haven't/should n't be charged interest. 

Purchase on XX/XX/XXXX {$210.00} Purchase on XX/XX/XXXX {$39.00} Purchase on XX/XX/XXXX {$26.00} Payment made XX/XX/XXXX {$100.00} Interest charged XX/XX/XXXX {$4.00} Payment on XX/XX/XXXX {$100.00} Interest Charged XX/XX/XXXX {$3.00} Payment on XX/XX/XXXX {$84.00} for payoff Interest charged on XX/XX/XXXX {$2.00}
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (KY)

In XXXX XXXX XXXX I couldnt make my payment by the due date and I incurred a late charge of {$29.00}. They showed my balance for XXXX at {$610.00} on XX/XX/XXXX, and I paid {$620.00}. Then I paid another {$30.00} on XX/XX/XXXX to cover the late charge. The late charged was still showing as of XX/XX/XXXX. I wrote several chat messages and called Santander about the issue and was informed that I was still late. That cant be possible when I paid {$61.00} over the {$580.00} due for the month. Santander is possibly doing this as retaliation for a complaint I filed against them with the XXXX  and corporate. They also refused to honor moving a payment to the end of the loan because they knew I lost my job and the vehicle had over {$7000.00} worth of damage that needed to be paid. I asked them to move one payment to the end of the loan and they said no, even though I qualified for the move. They said they didnt feel they should do it. I asked them to moved my payment date to the XXXX of the month and they said no. So I had no choice but to be late paying the bill for XXXX. A comment was made that I probably needed the money for XXXX, which was XXXX since I never celebrate holidays. These people are so horrible. They mistreat customers and then intentionally try to set customers up to fail. There is no way I should still owe money on a late fee when I paid over by {$61.00}.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (KY)

The bank : World Finance Corporation Personal Loan XXXX XXXX XXXX XXXX, SC XXXX United States XXXX This pertains to identity theft. I am contacting you to inform you that this bank opened a fraudulent personal loan under my name. Despite the individual who opened the account spelling my name incorrectly and having the incorrect address, they opened the loan. It affected my credit score and it also caused me great emotional distress at home and at work. I submitted all of the paperwork they requested and created an account with identitytheft.gov. The bank initially did not respond to my emails or phone calls. I had to continuously email and call. Despite it being almost the 30 allotted days since they obtained my required forms and information ( XXXX ), they did not have their compliance team investigate until XXXX on XXXXXXXX After continuously contacting and sending extra paperwork, I am just now finding out that they did approve my dispute. My concern is the length of time it took ( I do not care if there was a holiday during that time, it was a mistake on their part ). They did not issue an apology. Additionally I am seeing based of review online both at XXXX XXXX XXXX and elsewhere that this is not uncommon. My understanding based off the information on their website is that personal loans require much documentation from the customer. They took fraudulent documentation, did not investigate it, and allowed someone to use my identity to open a line of credit. This bank 's business practices and their practices regarding how they approve their customers needs to be investigated. It is unacceptable to open a fraudulent account with a fake address and name spelled incorrectly. 

I want an apology for the amount of trouble I went through to correct THEIR ERROR and I want their business practices to be investigated.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (IL)

This is a XXXX dispute and they owe me {$3000.00} that I finally gave up on collecting and switched carriers, this all happened during them trying to migrate me from XXXX to XXXX. It took a year for them to do that then they mis billed me several times and by the time my accountant caught up to it it was to late and I fought XXXX XXXX many times aboiut this. I will not pay this so please remove me to be collected.
Consumer complaint received 2024-01-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Tribal Lending Enterprise, Inc. (AL)

Description of complaint : On XX/XX/year> Ascend Loans correctly charged me for my bi-weekly payment, then a few days charged me AGAIN for the same amount. When I spoke with XXXX, she said I was only charged on XX/XX/year>. Please the attached the another payment was charged. Please return that extra payment IMMEDIATELY. Thank you. 

Desired settlement : Refund Money paid to business : {$120.00}
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have previously disputed XXXX XXXX XXXX XXXX XXXX  with a {$0.00} balance. 
Account is factually stating incorrectly Account is paid off yet stating as payment status of collection charge off. Both Transunion and XXXX are reporting account paid off with {$0.00} balance with a payment status of charge off. Previously, XXXX reported perfect payments OK as agreed on payment history. after dispute, XXXX removed, partial ok as agree from payment history and replaced it with consecutive charge off. delete last payment with XXXX reports at XX/XX/2016 where payment history is reporting date last payment as XX/XX/XXXX. There is no way that account can be paid off and yet you continue to report the payment status as collection charge off and to delete payment history and replacing with charge off.
Consumer complaint received 2023-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

XX/XX/XXXX XXXX hospitalized after cardiac arrest. XXXX XXXX  operating at the time was called XXXX XXXX, under XXXX XXXX XXXX XXXX. In XXXX of XXXX, the company ( GS ) was dissolved and we enrolled in a new XXXX called Alignment also under XXXX. We began getting billing for unpaid physician services at the hospital, {$1000.00}. We called multiple times and were assured that the entire bill for all services was paid, both by XXXX and XXXX. 

In XXXX of XXXX, XXXX XXXX XXXX consulting Services claimed we owed this bill and had failed to collect from XXXX XXXX as we are not insured by them in XX/XX/XXXX. We wrote several letter saying the bill was paid in full. They then turned it over to a collection agency, CMRE Financial Services in Texas. We wrote to them explaining there was no debt but still got another letter XX/XX/XXXX demanding payment.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALL WESTERN MORTGAGE (NM)

My name is XXXX XXXX XXXX, and my XXXX XXXX  name is XXXX XXXX. We had applied for a mortgage loan but later decided that we were not financially capable of going through with it at this time. However, we have been receiving calls stating that we have applied for car loans and house loans, which we have not. We suspect that our information may have been leaked without our consent, as we had applied through All Western Mortgage.