davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
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: EQUIFAX, INC. (LA)

Greeting, In XX/XX/2018, I received verified dispute results from Equifax, XXXX, and XXXX. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.
Consumer complaint received 2023-12-18
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)

On XX/XX/2023, my daughter 's wallet was stolen and she has authorized user cards for my Chase cards. The thief used her wallet at a XXXX charging {$980.00} on a Chase XXXX XXXX XXXX and {$990.00} on a Chase XXXX XXXX card, among other cards she owns as a result of this I reported the theft to Chase that day and had the cards replaced. 

Both unauthorized charges were made on the same day, same location and at around the same time. 

On XX/XX/2023, I noticed that the charge had been restated on the XXXX Account stating that I received the benefit, which is very surprising as I reported the issues that day the cards were stolen and had cards were replaced. Every single bank that was alerted also removed those charges, including Chase for the XXXX XXXX card, so I am a bit surprised that Chase claims this XXXX Card transaction was valid without any compelling evidence or justification. I called Chase multiple times and even the first agent I spoke to was confused why I was recharged the {$980.00}. This is in contravention of the CFPB regulation. 

As of XX/XX/2023, I have supplied additional information to Chase proving that my daughters wallet was stolen and several charges were made to multiple credit card she owns. I also included the several emails between my daughter and the police investigating this theft. Using surveillance videos, the Police and XXXX were able to pinpoint the person who stole and used the cards but have been unable to identify the person. 

I would also like to note Chase banks failure here. This XXXX XXXX is not a card that is used often, as a matter of fact, this card had not been used for at least 6 months before the transaction date and only used for mainly XXXX related purchases, yet a significant charge of {$980.00} at XXXX was authorized without suspicion? The last transaction was on XX/XX/2023 on a XXXX cruise. This is a huge failure on Chase 's security systems.
Consumer complaint received 2022-02-04
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-12-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I have been paying my balance in FULL, on or before the due date for months to avoid interest.

I have statements that show where, if I paid in full I was not going to be charged any interest and then random statements in between where some months they're charging interest even if it's paid in full. It makes no sense.

I am being charged a " daily interest rate '' on top of the 30 day APR interest rate. 

I had someone call me on XX/XX/XXXX from Comentity Bank ( Victoria Secret Card Services ) stating she see what's been happening and not to worry it will all be taken care of and then today. 

Then today XX/XX/XXXX, I had some guy from there calling me harassing, me being very rude, telling me she was wrong and he was told to call me and clear the issue up. That they charge interest even if you pay your balance in full. " Wow, I mean if you can't paid your balance of just {$130.00} ... '' " NO SIR, I HAVE PAID MY BALANCE... IN FULL, SO WHY ARE YOU CHARGING A LATE FEE ON INTEREST?? '' MAKE SURE YOU ARE ALL CHEKING YOUR STATEMENTS MONTHLY!!!
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (NM)

A loan with Affirm was take out fraudulently in my name for {$4000.00} on XX/XX/2022. I immediately reported this to Affirm. It was told they would freeze my account. Was also told that I needed to submit an Affidavit for XXXX and a police report to them so that they could open up an investigation into the matter. I completed and submitted the reinsured documentation in addition to an FTC Identity Theft Report to Affirm 3 times. They have emailed me back 5 times over the past week stating that I am responsible for the loan. I don't want this to wreck my credit. I've need additional support trying to get this issue remedied. Please look at the XXXX  complaints for this company. I am not the only consumer this is happening to.
Consumer complaint received 2023-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (HI)

I believe the account is invalid. LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records. LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2017-01-10
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Republic Commercial Service, Inc. (CA)

I contacted Metro Republic Communication Services regarding a medical bill. I spoke to XXXX XXXX and inquired about receiving a generic letter stating that upon full payment they will report and remove it from my credit. I informed him that I am capable of making the payment in full right now. XXXX XXXX and his manager stated that they are willing to give me the letter only after they receive the payment. So, basically I do n't have any guarantee that they will keep their word. Over the next couple of weeks I spoke to XXXX XXXX numerous times. I initiated the majority of the calls. I finally came up with a solution for both of us. I spoke to XXXX XXXX and explained that I was willing to drive to their office and pay with a certified check. At that time I am willing to " trade off '' for the letter and a receipt. XXXX XXXX mentioned that I should bring cash at that time. I expressed to him that I am not comfortable paying with cash and I would bring a certified check from my bank. Both of us were satisfied and ended our conversation on a good note. Five minutes after we hung up XXXX XXXX called me back and stated that after speaking with his manager XXXX XXXX that there was a problem with what he told me. He stated that his manager said I have XXXX medical accounts with their office. Even though I am willing to pay off the account we discussed in full they will not report or remove the account until I pay off a different account I did n't even know I had with their office. I asked to speak with his manager and his manager XXXX XXXX stated the same thing. I found it very strange and unprofessional that I have spoken to him numerous times and XXXX XXXX never mentioned a second account with their office. Also, these are XXXX totally different bills, service dates and amounts. If I pay off one account in full that should be reported to the credit bureau and removed just as we agreed five minutes ago. I do n't understand why they would think that it is okay to attempt to be unprofessional, deceive and bully customers. They should not be able to make up their own rules and guidelines because they feel like it. In my opinion it does n't sound legal either. Most people do n't consistently call bill collectors trying to pay their debt in full. So, at this time I am at a stand still because I do n't trust them at all.
Consumer complaint received 2023-12-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (MI)

purchased a pair of XXXX boots from XXXX in a size XXXX in mens on XX/XX/2023. Upon trying on the boot after being delivered on XX/XX/2023, it was discovered to be too big. 

On XX/XX/XXXX, I went to the XXXX XXXX store to return them. Because I used Klarna as the original payment method I used. I went into the Klarna app and entered in my receipt ID number as proof of the return so my payment plan can be updated to reflect the return. The return ID number on the receipt that I provided was XXXX. 

After XXXX weeks had passed, today, I received an e-mail from the " Klarna Dispute Team '' requesting a copy of the return receipt within 7 days for the the refund to continue with their " investigation ''. I called and informed them that the receipt has since faded and I provided the information that the app asked for on the exact date I made the return. They informed me their was nothing they could do. 

I then contacted The Timberland Outlet to request a copy of the receipt since I had the date and receipt ID number and they informed me that they could not provide a duplicate receipt. I then called back a second time to inform Klarna of this and they advised me that there was nothing that can be done. I then posed the question, " why doesn't the app allow us to upload a picture to prevent things of this nature from happening? The young lady stated that there was no additional information she could provide me with. 

Per their app, they have to wait for the business to respond to confirm the return. I should not be paying for a shoe that I returned. 

Today, Klarna communicated through the XXXX XXXX XXXX complaint I initiated : Hello XXXX, Klarna is in receipt of your complaint XXXX. We appreciate your inquiry regarding the order with Timberland ( XXXX ). 

After reviewing your order we can see the order was placed under a dispute, and the Resolution team sent a request to the store, requesting that the statement be adjusted to reflect the returned item. The store responded to the inquiry on XX/XX/2023 stating that their stores are unable to refund Klarna accounts and so you would need to provide a card to receive the refund or you will be provided with a gift card, however, they are not able to process the refund back to Klarna and you would need to work with the store directly to get your refund. 

How can I get a refund for an item I already returned? AGAIN, I provided Klarna with the transaction ID. They know that they item was returned as they have admitted such. I explained to them that the receipt that I was given had faded. This is nearly from a month ago. 

That is unfair and not ethical. I provided Klarna with the information that they requested via the app timely and my refund should be honored immediately.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2018-06-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Mr Cooper letter dated XX/XX/XXXX says does not do balance reduction but letter before was transferred to Mr Cooper from XXXX XXXX XXXX DATED XX/XX/XXXX STATES OTHER WISE honor what was offered! Will post on social media until done!
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IA)

I saw a transaction on my USAA checking account this morning that I did not send or authorize via my debit card. The bank asked if I had possession of the card and I said yes, the agent told me that they had to disable the card and send me a new on and I should receive it in 2 -4 business days which leaves me without access to any of the funds that are in the account and more that are on the way to the account. I told them I run a business and I have employees to pay and I pay them out of my one and only account with them as well as my personal expenses and they want to leave me without access to money for 2 - 4 business days. I told them that is not acceptable and I need access to my money the next day and they said they couldn't help me, their expediated cards take 2 - 4 business days. I again said that is not acceptable, you need to send me a debit card overnight. Again, 2 - 4 business days was there response, no attempt to help me access my money, and it could be Christmas week before I receive a new card. I don't have money to purchase anything including food. 2 - 4 days is unacceptable. I can go put money into a credit union up XXXX XXXX from me and they give me a debit card the day I can open an account but not USAA. I need 24 hour access to the money available in my account.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

PayPal suspended my business account without explanation on XX/XX/XXXX. They originally asked for some information to verify a few transactions which I immediately provided a thorough and evidenced response to each query. None of the transactions were against the terms of service and we have never had a single complaint or chargeback or warning from PayPal. I was told providing this information would unlock my PayPal account however they responded my permanently closing my account with no explanation for no reason I can figure out. They are now holding {$660.00} of my money and refusing to let me withdraw it out of the closed account. They claim this will be for a period of 180 days, but that date keeps getting continually pushed back to be 180 days from each and every query I make as to why the account was closed or attempt to have it unlocked, restored, or my funds released. I cant afford to have this money held from me another day. 

In addition they took away my rights to purchase protection, retroactively removing it from purchases made before they suspended my account. I recently made a {$400.00} purchase using my PayPal account, and I used PayPal specifically for the purchase protection. The seller did not uphold their end of the transaction and I need to dispute the payment to have my money returned, but PayPal is now preventing me from doing that. It seems odd to me that the seller who scammed me is allowed to continue operating on the platform but my account has been closed without a single violation or chargeback, ever. 

I want my money released to me immediately, I want a dispute filed against the seller who did not provide the agreed upon goods and that money immediately returned, I want an explanation for why they ever closed my account, and I want my account restored to be fully operational again.
Consumer complaint received 2024-04-02
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. (CA)

I am writing this letter to inform you of the fraudulent accounts on my report which are causing me stress and I want to dispute this fraudulent information. I informed the company about this matter, talked to them via phone call and they said they have already removed the accounts from the other bureaus after I submitted the required FTC report I filed. Also both XXXX and XXXX have removed the accounts from their records indicating an inconsistency in your reporting. Im not sure why are the accounts still reporting under your bureau? The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (AZ)

I checked my credit and saw they stated them money in the amount of {$240.00} for a XXXX  account. I have never used XXXX  and I never got a debt validation letter from them nor from XXXX. I have never heard anything from this company until I checked my credit and saw it was on there. Due to not being informed within the XXXX  day time frame to dispute this fraudulent account, I would like this removed.
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (GA)

Last year they didnt pay my taxes and a lien was placed and I had to pay the tax from my personal savings. Again this year my taxes are due and there is plenty money in escrow and taxes arent paid. Last year I also had to pay penalty
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IN)

I mobile deposited a check that was signed over to me by my roommate and CHASE flagged the check as fraudulent and said they needed to verify the identity of the person who signed the check. So he gave then his phone number and they said they were unable to verify through the verification service that they use. This person has give to several branches in person with his ID and his phone to prove his identity only to be told that is not their policy anymore and they can only verify through their system.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00XXXX XXXX XXXX  XXXX Balance Owed : {$110.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

After complaint XXXX where Mohela charged my account twice and refused to refund me UNTIL CFBP intervened, the loan services has been withdrawing from my bank account insufficient funds to meet the monthly minimum required under the XXXX Plan. In XXXX they withdrew {$1.00} less than what was needed which created threats to put my account on default, which can have lasting and extremely damaging consequences to my finances. In doing so it also nulls the benefit of the XXXX plan of waiving interest since the minimum is not being met. 
I performed an additional payment to meet that amount. However, During the XXXX auto-debit they charge {$0.00} less than what was required, creating the same problem. 

In both cases I have called and they start by telling me that I MUST pay my amount due immediately. They also provide no valid reason for this continuing issue. At this point I have spent XXXX hours, more than a days ' worth of hours on hold trying to solve these issues. Mohela has shown incapable to manage these loans or XXXX be doing this on purpose to prevent the interest waive.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I have tried for years to get my credit report or to be more exact, my full file disclosure per 15 USC 1681g via annualcreditreport.com and it never works. I have tried calling XXXX, XXXX, and Equifax directly on a multitude of occasions and the agents have been unable to help me. Moreover, the agents ( and presumably their supervisors ) have been completely ineffective despite my requests to escalate the issue.