davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-21
Product: Credit card or prepaid 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. (HI)

My name is XXXX XXXX and on XX/XX/XXXX, and XX/XX/XXXX I paid merchant : XXXX XXXX via XXXX {$1000.00} and {$1000.00} respectively. XXXX XXXX received a total of {$2000.00} from me via XXXX. This purchase was for two  male XXXX XXXX kittens that I to this date XX/XX/XXXX have never received. I was informed on XX/XX/XXXX by XXXX ( email : XXXX ) that one of the kittens had died in their care. I have attached the email validating the death of one of these kittens that I signed a contract for. 
I emailed and called XXXX politely requesting a {$2000.00} refund to my credit card on XXXX  Day  XX/XX/XXXX as evidenced by the attached email. I made the purchase for two cats we had agreed upon prior to the death of one of the cats named XXXX. In this email I stated I did not want the substitute cats they were trying to pawn off on me because it was not what I had paid for and they also failed to deliver these cats by XXXX XXXX   which was the entire point in the first place. 
They have refused to give me my {$2000.00} refund or send me the two cats that I paid for. They have received {$2000.00} of my money via XXXX and have not delivered the two cats that were promised to me as of XX/XX/XXXX.
Consumer complaint received 2022-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (AZ)

I did not receive notice regarding this collections balance prior to the company notifying the credit agency XXXX and XXXX of this debt. I identified it via notification from the credit agency. I reached out to collections agency central portfolio on XX/XX/XXXX via phone to obtain information regarding this collections balance. Disputed with company via email XX/XX/XXXX stating that I was a victim of identity theft and provided copy of policy and FTC report I am a victim of identity theft and this collection is not mine. This has been reported to the FTC under report number XXXX. I also filed a police report when I first noticed activity related to theft in XXXX which is also attached, number XXXX XXXX XXXX XXXX 

I also never received notice of this debt so I did not have the opportunity to submit a rebuttal. Per your customer service department there are two balances XXXX XXXX XXXX XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX.
Consumer complaint received 2020-03-21
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: Experian Information Solutions Inc. (TX)

ftc violations FTC Imposes {$5.00} XXXX Penalty and Sweeping New Privacy Restrictions on XXXX FTC settlement imposes historic penalty, and significant requirements to boost accountability and transparency hacked during XXXX encounter The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XX/XX/XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2020-03-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (PA)

I filed a complaint against EOS CCA agency with CFPB because this agency constantly calls me demanding payment for a debt that they refuse to provide documents or tell me who their client is to prove I owe this debt. In their response to the complaint they mention another agency that I have no idea who they are but again they still refuse to provide me proof of the debt in writing. Also I have asked them to stop calling me, and now that I have filed my complaint they have called me every hour on the hour. They call my cell number which I have no idea how they go my number, they are calling my mother, brother and my kids telling them that they got their numbers from skip tracing and they are trying to track me down. This has to stop. They are violating my rights and I want to file a law suit. They refuse to send documents to validate the debt. They refuse to tell me who their client is or what type of company they are, and now they are harassing me. I need help and I need it quick. My rights are being violated. They told me that no matter how many complaints I file with the CFPB they will never stop calling. They also told me that they will continue to report this on my credit and they will never send me proof of the debt because they do not have too ... I need help here. They need to be put out of business. This is beyond harassment. This is pure Torture
Consumer complaint received 2024-02-25
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: Experian Information Solutions Inc. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Hello Im filing this claim to have my credit report corrected. The company XXXX has reported false missed payments and Delinquencies to all the credit Bureaus. I have not missed any payments on this account. I paid this account balance down to XXXX in XXXX, and I have not with drawn since. The information being reported to the credit Bureaus is false and its effecting my credit score in a negative way. As of right now they are reporting a balance of XXXX and XXXX missed payment from XXXX through XXXX. I paid this account XXXX to XXXX in back XXXX and have not with-drawn since. I am not aware of any transactions that were made from XXXX through XXXX. This app is a scam. Please remove them from my credit report.
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (PA)

I received an offer in the mail for a special offer on a credit card. The offer was mailed to my home with a web site link to apply as well as a telephone number. Upon logging into the website and also upon calling into the call center on XX/XX/2020 at XXXX XXXX, I spoke to XXXX XXXX ( XXXX XXXX Illinois ) and XXXX in Credit Card underwriting ( would not provide any additional information, employee number, or geographic location ) and they advised me that they are not able to let me apply jointly with my husband. We both have excellent credit, qualifying income, and maintain all of our accounts jointly, however, they told me that I would have to apply individually under the offer ( XXXX ) at XXXX. They said I could add my husband as an authorized user but not as a joint applicant. I believe I am entitled per regulations to apply jointly if that is the way that I prefer to submit my application so that all income and dual obligation is submitted initially. If I am not correct, I do apologize, however, my husband does work for a XXXX  and believes this may be a violation of regs.
Consumer complaint received 2020-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, I went to the Bank of America branch at XXXX XXXX XXXX. XXXX, GA to open a consumer checking account and was immediately told that it would not be possible. When I asked why?, I was told that they could not disclose the answer. They gave a number to call ( XXXX ) XXXX, which I did from the branch lobby speaking with XXXX for almost an hour. XXXX initially said that my opening of an account was prohibited due to XXXX  reporting two unpaid checks from XXXX each in the amount of {$270.00}. Finally, XXXX was supposedly able to remove the restriction. When I then reinitiated efforts to open an account, the branch manager asked me to leave because I was coughing, which I may have been but certainly no more than anyone else present. Unsuccessful, I went to the Bank of America branch at XXXX XXXX XXXX. XXXX where miraculously my coughing went unnoticed and began the process of opening an account there with XXXX XXXX only to be denied early in the process but given no an explanation for the reasons behind their decision, especially since I had been a Bank customer for at least 10-years through XXXX.
Consumer complaint received 2020-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Collection Management LLC (FL)

Received letter dated : XX/XX/2020 From CCM Capital Collection Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Stated : PAST DUE NOTICE w/prior notification clause also that alters any of your rights as previously described ... 

Amount requested ; {$13000.00} ( full balance ) or {$350.00} Signed, XXXX XXXX Telephone call with Creditor XXXX / XXXX XXXX Just now XX/XX/2020 @ XXXX XXXX Verified that the account is in good standing and that there exists no past due notice. She will annotate the account to reflect fraud potential but would not verify if this CCM has an agency relationship with XXXX.
Consumer complaint received 2020-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-03-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (FL)

As of XX/XX/2020 i noticed 2 auto loans on my credit report which does not belong to me. The accounts are as follows : I HAVE CONTACTED THE COMPANY BUT THE ISSUE IS UNRESOLVED.
Consumer complaint received 2020-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

I have attempted for two years to get details of addition fees and charges they continue to charge me, I have never received any explanation of these fees and when I relented and paid for them, they charged me for a new set of fees and added them to my monthly total again.
Consumer complaint received 2020-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC (AZ)

I had spoken with XXXX about this debt that was included on my bankruptcy discharge on XX/XX/XXXX. Then I recently got a hit on my credit for the same amount from XXXX. I disputed with XXXX  and they claim is valid even though I submit the proof of my bankruptcy. This was a bill from XX/XX/XXXX
Consumer complaint received 2022-10-07
Product: Credit card or prepaid 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. (FL)

Back in XX/XX/2022, I traveled to XXXX to visit family. I used my Chase card to purchase my mom trip back with me to Florida. Well we decided to travel back to Florida earlier then our tickets we booked. So I called XXXX and they referred my backing to the online travel company XXXX for any ticket changes. They advised me that my ticket fare code allows me to change my ticket with a change fee plus any difference in cost. So I went to XXXX and sent request for pricing and ticket change. We'll XXXX decided to book me a other full fare ticket disregarding the ticket thay I already purchased. I sent them countless emails because you can't call them and they didn't respond. I filed a complaint with XXXX and they have not responded. So within my 60 day window I filed a complaint with Chase Bank. The said they investigated and that the merchant has proof you purchased the ticket. I tried to tell Chase. The purchase was not authorized. I originally paid over {$9.00} ] ] for the first ticket why would I pay an additional $ XXXX when XXXX told me it should have {$150.00} euro fee plus an additional $ XXXX euro in cost. Chase did not care and place rhe charge back on my account.
Consumer complaint received 2020-04-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TD BANK US HOLDING COMPANY (NM)

During this COVID-19 virus crisis, I have been trying desperately to get in contact wit TD Auto Finance to ask about my options while the Stay at home orders have been issued and work time has been reduced. I sent emails asking about this and received two responses stating to call the hotline for a resolution. At first when I called I would sit on the phone for hours only to be disconnected. Now as of XX/XX/20 when you call the customer service line XXXX it continues to tell you to contact them via their secure message center for a resolution and then disconnects. Messaging them again I receive the same response to call in or just receive no response at all. Now I may have a buyer for my vehicle and I have no way of getting in contact with TD Auto Finance because it seems they have just forgotten about their customers during this crisis. I need a resolution to this problem so I may sell my vehicle before this opportunity to self relieve from the burden passes.
Consumer complaint received 2020-04-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arnold Scott Harris, P.C. (IL)

I got a letter from this agency regarding hospital bills from XX/XX/XXXX. When I called the agency they informed me that I would have to contact the XXXX Fire Department for any billing information as well as to make sure that both my insurances were billed for this matters. When I contacted the XXXX and got the run around eventually I was informed that the agency lied to me and gave me misinformation and that they were the ones who were supposed to have all the billing information including insurance. So they are attempting to collect a debt which is covered by my insurance due to the hospital or ambulance company not putting the correct address on the mail. I only received this bill the end of XXXX of XXXX that was forwarded from my old home. 

When I called the XXXX finance department some rude unprofessional lady by the name of " XXXX '' refused to transfer me to her supervisor claiming no supervisors were available due to the pandemic. When I asked for the name of her supervisor she told me it was a XXXX XXXX. I asked for the ladies name and she just told me XXXX and that she doesn't give out her last name. She wanted to sit there and argue with me over an account number and telling me its my fault that the account went into collections and that I should have provided them with all my information when they picked me up. Just a XXXX  low class lady that obviously has no accountability for her rude minimum wage behavior. 

When I called XXXX the operator she then went mind blank claiming she had no idea what finance department she transferred me to nor anyone by the name of XXXX.
Consumer complaint received 2020-04-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$1800.00} XXXX   XXXX XXXX {$650.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX {$1300.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$6300.00} XXXX XXXX {$0.00} US DEP ED XXXX {$1300.00} XXXX XXXX   XXXX {$110.00} XXXX XXXX {$1400.00} XXXX XXXX {$0.00} XXXX  XXXX {$270.00}
Consumer complaint received 2020-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this report because I was at the XXXX dealership today XX/XX/2020 and when they ran my credit to see if I qualified for the car loan I wanted, I was told that I did not get approved because there are two accounts in negative standing as well as several inquiries. I looked through my credit report and those two accounts as well as the inquires do not belong to me and I did not allow anyone to open them in my name. The accounts are from XXXX XXXX and XXXX. I do not have any written/verbal contracts with those companies nor have I ever opened an account with those companies. I did not benefit anything from those accounts and inquiries that were made in my name without my permission such as money, goods, services or any other benefit nor have I ever made any purchases or payments towards any of those accounts. I have already filed a police report as well as a complaint with the consumer financial protection bureau regarding these unauthorized accounts and inquiries.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (OH)

I have been sending echecks to XXXX for years, on time. I was contacted on XX/XX/18 by phone stating my XXXX payment wasn't received. Even though at the time, and still am recovering from XXXX, I called the number for their customer service. I spoke with someone and told them about my XXXX and was baffled why this was happening. Nothing had changed and I had writing and verbal confirmation from the paying bank that the payment was received. I also just sent a photo shot of confirmation of payment received directly from XXXX. They continued to harass me even after I sent them proof from my bank that payment was received. They told me my credit score was going to change. Also, on my first call, the customer service representative wanted all my banking information?? When I called my bank they told me that the representative should never have asked for that information. I believe since my payments were always on time and this was a zero percent interest account, they are trying to get late fees and raise my interest to get the interest they getting get because my payments were always on time. I have it set up as echecks from my bank. 
At this point in time, they continue to harass me saying my next payment wasn't received again! I have proof that it was. 
I would like this situation immediately remedied so I can transfer my balance to a reputable company! 

Thank you
Consumer complaint received 2020-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (VT)

PREMIER STUDENT LOANS CENTER ABOUT TWO YEARS AGO SAID THEY PAID OFF MY LOANS I HAVE NOT HEARD FROM XXXX XXXX  UNTIL THIS MONTH AND THEY SAY I HAVE A PASS DUE PAYMENT WHY HAS THIS HAPPENED AND WHERE DO I GO NEXT ... I PAID FOR THEIR SERVICE TO HAVE THIS TAKEN CARE OF I AM XXXX AND ONLY GET {$900.00} A MONTH NO WAY I CAN AFFORD STUDENT LOAN PAYMENTS MY DR EVEN SENT THEM PAPER WORK TO GET THIS TAKEN CARE OF PLEASE LET ME KNOW WHAT IA NEED TO DO NEXT ... I AM SO CONFUSED
Consumer complaint received 2020-03-21
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: EQUIFAX, INC. (VA)

Remove the hard inquiry from my account from XXXX XXXX. I have never shared my SSN details to XXXXXXXX XXXX in any way. 

Also please freeze my credit details.