davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

In XXXX XXXX XXXX I contacted XXXX about pricing their services. The representative offered me a XXXX week trial for a {$100.00} deposit and stated if I don't like the services I can cancel at any time and I will receive a refund before the XXXX weeks were up. I called them XXXX XXXX  after having the service to cancel it. The representative I spoke with, told me, that I don't have an account with them but I can't receive a refund for my deposit until they speak with the representative who gave me the trial. I called them for months to get my money back, and they refused to give me my money. They told me they were going to listen to the recording per my request and still refused to give me a refund. I contacted my bank XXXX to dispute the charges which they did their investigation in which I received my money back. After the dispute claim, XXXX, started calling me to offer me their services which I declined after months of agony trying rectify the issue about the trial. Now, today, I received a debt collection letter, stating I owe them {$400.00} when I never had an account with them. I don't understand how a XXXX XXXX trail turns into {$400.00} when I canceled the trail after XXXX XXXX of trying it out. I have phone records, that shows how many times I contacted this about my refund. XXXX never contacted me until after XXXX dispute the charges and refunded me my money. I have never received XXXX bill that was not addressed to me because I didn't have an account ; but now i am receiving a letter from Sequium Asset Solution which is a debt collection company.
Consumer complaint received 2023-04-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Federal Adjustment Bureau, Inc. (OH)

Recieved a copy of my XXXX Report and Noticed Inaccurate Information Regarding Fabco Reporting False Information From Original Creditor XXXX XXXX XXXX On XX/XX/2022. Under The Fair Credit Reporting Act FCRA Code XXXX Section XXXX States A Person Shall Not Furnish any Information Relating to a Consumer to any Consumer Reporting Agency if the Person Knows or Consciously avoids knowing that the Information is Inaccurate.In Which Pertaining to The Account XXXX Was Paid in Full By the Columbus Ohio Rental Assistance Program Via Application # XXXX onXX/XX/2022 and Application # XXXX onXX/XX/2022. All Association Needs to be Deleted From The Reporting Credit Bureaus and Files From Both Parties.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Your company was supposed to do a full investigation before applying anything to my consumer report. Your company never did an initial investigation. Which is a violation. I had an eviction on my consumer report for an address that I never even lived at. Due to that false eviction being in my consumer report I was denied housing from XX/XX/XXXX until XX/XX/XXXX. My family have suffered dramatically due to your companys false information on my consumer report and lack of an investigation. I disputed the address and it was removed so that furthermore shows that your company was at fault.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

15 USC 1881b Permissible Purpose of consumer report, 15 USC 1681c-2 Block of information resulting from identity theft, 15 USC 1681n civil liability for willful noncompliance. THESE XXXX COMPANIES VIOLATED MY CONSUMER RIGHTS, XXXX  XXXX XXXX WLLING GAVE AWAY MY PERSONAL INFORMATION WITHOUT MY CONSENT, XXXX, AND EARLY WARNING FURNISHED THAT INFORMATION ON THEIR PLATFORM WITHOUT MY CONSENT. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. USC 1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or may have acknowledged concerning any such items of information. XXXX never interview any of my neighbors or close friends during this investigation of my report. These corporations have violated my consumer rights.
Consumer complaint received 2018-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IN)

Company is XXXX XXXX XXXX ( XXXX ). 
I have repeatedly asked them to : 1 ) stop calling me until they provided me with proof of ownership of the debt 2 ) provide me with a document trail ( legal trail ) that they do indeed own the debt and are legally entitled to collect it ( date acquired/how acquired/verifiable proof, not just a comment in a phone call ) 3 ) provide a list of payments made since they acquired the debt 4 ) provide a document trail of other third-party companies ( law firms/private collection agencies ) that they have used to collect payment from me and provide full payment statements from those companies 5 ) complete statement of all payments made and any additional charges that were added on to debt 6 ) stop calling me repeatedly throughout the day 7 ) stop leaving empty voicemails or to leave voicemails 8 ) stop claiming that I am refusing to resolve the debt that they allegedly claim I owe to them 9 ) prove that they are not trying to collect on a statue barred debt XXXX XXXX XXXX claim in their phone calls that I am 'refusing to satisfactorily settle the debt in during ( the ) phone call ... '. This is a statement that THEY repeatedly make in the few calls I have had with them. I repeatedly deny during these calls that this is an accurate statement made by me. It is a statement that THEY are making and then claiming that I have said. 
I have not told them that I would not work with them to settle the debt, only that I want legal, verifiable proof that they are legally entitled to collect. 
They have not bothered to send me the documentation. They call from various numbers up to five times or more a day, daily. They have now called me on Sunday at XXXX ( XX/XX/XXXX, XXXX ) which is in violation of legally allowed calling hours : " It is legal for debt collection agencies to call you ... and between XXXX XXXX and XXXX XXXX ( your local time ) on Sundays. '' XXXX has sent one document that looked like someone typed it up on a computer, scrawled out some illegible signature with illegible date. Then photocopied it and mailed it. No court stamps or other identifiable, track-able information on the photocopy that could provide legal traceable verifiable proof. No court that I can contact, no cause number, nothing. 
I feel they are harassing me and trying to bully and intimidate me into making a verbal agreement with them over the phone before they fulfill my legitimate request for legal verifiable documents from them. I believe that the statement they make that I am 'refusing ' the debt is an attempt on their part to coerce me, bully me, intimidate me and indirectly cause me to feel threatened and an attempt to try to take additional illegal actions against me.
Consumer complaint received 2024-01-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I bought an {$100.00} AMEX e-gift card in XX/XX/2023. I have tried using it on numerous websites and in stores and it always is declined. I have called the number provided numerous times and I either cant get through to someone or the person cant help me figure out why it wont work. In XXXX I called to ask for a refund and the person was unable to do so. I regret purchasing this and Im beyond frustrated that their customer service is so poor and that I essentially spent {$100.00} for something I cant use anywhere.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (OH)

in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 states I have a right to privacy .15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. under 15 USC 1666B a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose.
Consumer complaint received 2024-01-27
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: Experian Information Solutions Inc. (MO)

Monday through Sunday all experian does is lie ONCE AGAIN EXPERIAN LIED, dispute can not be seen, lie lie lie lie lie lie lie lie lie lie lie lie lie
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

Citibank has blocked my account since XX/XX/XXXX for no apparent reason. I made a complaint earlier with CFPB and CitiBank responded saying the fraud department sent me a letter in the mail to confirm my account on XX/XX/XXXX and again on XX/XX/XXXX, neither of which I have received. I called the fraud department multiple times to confirm the letter was sent to my address on file and they refused to confirm whether or not this is the address they sent the letters to. My records show that my address was changed on XX/XX/XXXX, the same day I opened the account, but this is only because the banker who opened my account made an error with my address and had to be changed. So Im guessing the letters are being sent to whatever address the banker initially mistakenly put on my account. OR maybe they sent letters to one of my older addresses on my credit report. Ive filed a complaint with Citibank executive response unit and they basically told me they dont have any control over the fraud department and have no rapport with them and cant even call them. I have my life savings of {$55000.00} in this account which I can not access and this is jeopardizing my familys living situation as I am unable to pay rent without these funds. 

Citibank Account number : XXXX Account type : personal checking account Citibank Fraud department : ( XXXX ) XXXX I have filed complaint with Citibank Executive Response Unit at : XXXX extension : XXXX Reference number : XXXX
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out to formally contest the accuracy of the late payment details currently listed on my credit report. Upon thorough examination of my credit report, I have identified discrepancies concerning late payments that I believe have been inaccurately recorded. I kindly request your immediate attention to address these discrepancies and rectify the inaccuracies present on my credit report. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CA)

Barclays Bank closed my credit card account with no prior notice. 
I believe Barclays is deceptive with their business practices in promoting a credit card with rewards and then shutting down my account with no prior notice and not allowing me to redeem my rewards.
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (NJ)

I was at a bar and my Wells Fargo debit card stopped working. It order to pay my bill I asked one of the person at the bar if he could pay the tab and I would XXXX the money to him. The amount was {$150.00}. After I sent the money the person kept on insisting that the money has not been transferred and since then received it two more times. 

I sent him {$450.00} instead of {$150.00}. And the {$300.00} ( $ XXXX ) by the person was extra and I was tricked into paying it to him. I tried to find the person by reaching out to the bar but they did not know him too. Form the XXXX I can not find the number but I have the screen shot of the persons name. 

The {$450.00} taken out of my account were because of a result of the same payment happening 3 times. Out of which only {$150.00} was taken by me. The rest I still havent recovered. 

Wells Fargo have rejected my claim for the transaction when I clearly explained to them I have been tricked into making the same payment 3 times.
Consumer complaint received 2024-01-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (TX)

In XXXX XXXX student loans were opened with Sallie Mae, through the guidance of the XXXX XXXX XXXX XXXX of the loans was in the amount of {$6400.00} ( loan ending in XXXX ) and opened on XXXX XXXX XXXX XXXX, meanwhile the other was for {$5600.00} ( loan ending in XXXX  ) and opened on XXXX XXXX XXXX XXXX. The total originating balance was {$12000.00}. * Coming out of school, I started work making less than the national median, and had difficulty beginning the payback process, to which Sallie Mae provided hardship assistance for the first year of the required payback period. through the loan modification they provided, my initial principal balance increased, however, once the hardship lifted and credit reporting became a valid reason to begin payback, I started to repay my balance. To date, I calculated the amount paid back to Sallie Mae is approximately {$10000.00}, meanwhile as of XXXX XXXX XXXX, the current balance for loan XXXX  is {$8200.00} and for XXXX  is {$6500.00} making the total current balance {$14000.00}. * To summarize, the loan balance started at {$12000.00}, I've already paid XXXX, and it's currently {$14000.00}. On top of this, the harassing collections calls over the past XXXX years have made a poor situation even worse, and I encourage you to listen to any and all recordings attached to my file, as many of them will display my grievances towards this whole situation. I need help in fighting this balance, as there is no way I can defend myself against an unfair contract, in the general benefit of the business against my finances. This might look like a valid model on paper, but in reality, it has completely crippled my financial life, and there is no end in sight. To think how many other people have contracts like this, and how much money these companies are making off of students, explains much of the financial problems that this country as a whole is facing. Please help.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

Client visited Chase Bank of NJ to resolve problem with accessing online account due to problems with cell/text and having no access to telephone or transact business online due to bank requesting a verification code to access account via mobile and/or computer devices. 

So, after speaking with banks manager, I had to say that I wanted without being provided with any viable alternatives than to request removal of verification code as banks supposed only option to access online account via mobile or computer access. However, the problem was not resolve although attempted by branch manager except while at the local bank location late morning Saturday, XX/XX/year>. After the code was removed while at the bank, the computer stated device not recognizable. If the code was to have been removed while at the bank, what difference does the recognition of the device matter, except for further restriction by the bank to limit customer access to transact business with or without a code? Contrary to what I was told while at the bank, the problem persisted one I arrived home. 

The same problem occurred upon returning home to use my personal device, i.e., a verification code needed to be sent again, and even when I tried to file a Chase bank complaint online, the chase bank website, again, requested for a verification code to be sent to phone via text or receiving a call, or calling the bank. Problem : The problem is that the phone is not functioning so there is no way to resolve problem to access count and transact online or mobile services. Its a MAJOR problem. 

My Personal SOLUTION to Banks Restrictive Service : Why does not the bank allow for a customer to have a perennial code or an alternate verification option via the email address associated with the account to avoid inconveniencing the customer and restricting clients access to online transactions that are not usurped by means of a mobile service, cell/text or telephone service, especially, when telephone and/or cell/texting options are not viable or available? 

Clients online transactions should not be held XXXX to having a mobile device for verification purpose. The bank needs to provide other online means for customer or client to proceed and to access account, with or without a verification code or having a mobile device or needing to call the bank when mobile cell/text or telephone services are are neither feasible nor available options to customer to transact needed banking services online, or in person. 

Thank you for your help.
Consumer complaint received 2024-01-27
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. (IN)

To whom it may concern, I spoke with a representative name XXXX from Equifax Reporting Agency on XX/XX/XXXX at XXXX XXXX. After XXXX verified my Identity, she asked me what the problem I was having? I told her that I could not access my credit report due to the international block that Equifax placed on my credit file. XXXX said that I did not send in the proper documentation to get it removed. I said yes I did, four different times since XXXX of XXXX. XXXX called me a liar.I said I don't have to lie. I'm trying to correct what is wrong on my credit report. She didn't want to hear it because she muted me. She unmuted me after 3 minutes and I said " the reason I have a international block on my credit report is because I am correcting what is wrong on my credit report. I can not get housing for my family due to Equifax has a block on my credit report. XXXX said that Equifax sent me a paper copy of my credit report to me, which I never received. I told her I am trying to access the online portal to monitor my credit report myself. This is a violation of my consumer rights under the FCRA law. Federal and State laws overrides company rules. Equifax is not adhering to the FCRA laws. The representative XXXX of Equifax apologized to me back in XX/XX/XXXX for the internal block on my credit report because I couldn't access their portal, he said Equifax has the proper documentation from me and it should remove within 5days. Still on my credit report. XXXX was very unprofessional. Equifax refuses to allow me access to my credit report.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Information on my credit report is different on all XXXX of my credit reports. I have disputed most of the the negative closed accounts and most of them were removed.but some of them keep coming back with inaccurate dates from third party debt collectors.
Consumer complaint received 2024-01-27
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: M&T BANK CORPORATION (RI)

Dear XXXX XXXX and M & T Employees, Please send a Subpoena to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX They represented themselves as someone with authority to look at my Transcripts and Banking, which is not true. 

They have been coercing me since Day 1, being short and disrespectful about men surviving XXXX XXXXXXXX, have yelled at me and lost forms regularly. 

Their Offices are in XXXX, Rhode Island as well as XXXX, Rhode Island and XXXX, Connecticut. Report them for FTC Fraud.
Consumer complaint received 2024-01-28
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (CA)

I received a letter in the mail from XXXX XXXX  advising a recent application for XXXX XXXX XXXX XXXX XXXX card was unable to be approved. This was surprising as I did not apply for any credit with XXXX XXXX XXXX XXXX XXXX. I also received another letter in the mail from Concora Credit - XXXX. This letter confirms an account with XXXX was approved. There is a card attached that list my name as well as the card number. It also has an expiration date and CVV code. I called XXXX XXXX  to alert them to this fraud and spoke with a Supervisor named XXXX at : XXXX. She advised the credit application was done online. XXXX advised she will update my information noting that the application was fraudulent and also states she would be notifying the bureaus that the inquiry was also fraudulent. I will be contacting the bureau 's to request a freeze on my accounts and request for a copy of my credit report from all bureaus. I did not apply for credit with XXXX XXXX XXXX XXXX XXXX and this incident I'm reporting is fraudulent.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible 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