davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (MN)

Despite calling Barclay card, I was told they could not do anything to offer me relief on my upcoming bill due in XXXX. The credit card company won't work with me while I'm going through financial hardship ( won't negotiate lower fees, lower interest rate, lower monthly payment, or postpone payments ). 

Due to COVID 19, I was laid off from my job. 

I am awaiting unemployment insurance processing. 

Can you please reduce my monthly payment or offer me a program or disaster relief?
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NV)

Re : Citi Double Cash Mastercard XXXX XXXX XXXX XXXX ( void number now ) Around XX/XX/20 my master card was declined. I called the next day and the computer said I was over the credit limit. I listened to the charges and heard a false {$9600.00} charge from XX/XX/20 On XX/XX/20 I called Citi card customer service XXXX and told them of the false charge. They said I needed to close the account as someone had my info and I needed a new card number. I said good, do it. After being on hold awhile they said they could not get the account closed. But it would be taken care of and I would receive a new card and new card number in about 10 days. I said ok. 
After around 10 days, I called and said I had not gotten a new card. The citi person told me they had both the {$9600.00} listed as fraud and a {$280.00} charge listed as fraud. The {$280.00} charge was not on the computer charges list of my first call. I asked what {$280.00} was about and they said a foreign transaction fee. I learned the {$9600.00} charge was about a {$14000.00} XXXX dollars charge. They said they would send me a new credit card by 2 day XXXX. I said fine. It arrived with the old account number, so I cut it up. I called citi and said I needed a new card number, they said ok and I would get it in some days. I said fine. 
Then I got a XX/XX/20 letter from citi which says we can not approve your request without ever even saying what request they were talking about. 
I then got a bill which did not have the {$9600.00} and {$280.00} removed. I called citi and talked to the fraud department on XX/XX/20, the call was claimed to be recorded. I told them the fraud needed to be removed from the bill. Then they started making strange statements. For example, the guy said : you reported {$3000.00} fraud. I said no, I reported {$9600.00} and {$280.00} fraud. So was this guy lying to me or did someone change the computer case records? He also said the records showed I requested the account not to be closed. Was this guy lying to me again or did someone change the computer records? I had requested the old account closed on every call since XX/XX/20. Citi repeatedly refused to close the account saying it needed to be open for the investigation. They said they would send a new card with a new number in 10 days and they did. I have not activated the new card number. 
I paid the credit card bill in full less the {$9600.00} and {$280.00}, prior to the XX/XX/20 deadline. Now on XX/XX/20 I got a new bill with zero new transactions and the {$9600.00} and {$280.00} still not credited. Plus there is interest now on the fraud. This statement should show a XXXX  balance and XXXX interest. I do not owe Citi anything from this old card : XXXX XXXX XXXX XXXX. ( I have not activated the new replacement card. ) I tried calling Citi on XX/XX/XXXX but so far I have not gotten through to Citi. I want a statement sent to me showing XXXX  due.
Consumer complaint received 2022-12-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report too Enclosed are the following : The fraudulent items are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ). 



Sincerely, XXXX XXXX
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022 there were XXXX unauthorized withdrawals taken from my account, {$200.00} and {$500.00} totaling {$700.00} My mom noticed the amounts withdrawn and immediately called me because I was actually out of town and NEVER withdraw that type of cash. Our accounts are connected and have been since I was in high school, I am now in graduate school. 
We alerted Chase Bank to deactivate my debit card, I transferred my remaining balance out of the account to prevent any additional theft, and I ordered a new card. 

I sent Chase bank a letter outlining my appeal to refund my stolen money along with credit card receipts showing that I was out of town during the withdrawal time from a XXXX XXXX institution. Chase informed today that I need to go the police and have them access ATM video footage and then submit to Chase. This is a ridiculous request and highly impractical. 
I am quite concerned because my debit card was not lost or stolen and was in my possession when the unauthorized withdrawals were made. 
Chase has refused to refund my stolen money and this now more than XXXX days, I find these actions irresponsible. It is their responsibility to safeguard my money when it is in their possession.
Consumer complaint received 2020-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP (MS)

I received a bill for XXXX from linebarger hogan blair and Sampson for unpaid XXXX XXXX XXXX. It was XXXX bill received. Why did XXXX not send notice? When I called, they said- basically send a letter pleading your case. I sent XXXX dollar check for the toll and said I never got the toll bill. When I got second notice- I paid- too much trouble to keep fighting this scam. But you need to look and see how often this is happening-! especially vacationers. A nice little scam.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Acceptance Corporation (OK)

My charge off account from 2013, has been listed on my credit report multiple times, the company World Acceptance, Wfc, World Accep, is the same company but they report they transferred it only to add a charge off again and lower my score. 
I have disputed this account with the credit bureaus and World acceptance has Responded with it's correct information, which means they lied and I can file a lawsuit I want this off my credit report, they need to be investigated, they did this to my wife also.
Consumer complaint received 2020-03-23
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: Resurgent Capital Services L.P. (CA)

On XX/XX/2020 at XXXX XXXX  I sent written communication to LVNV Funding LLC dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account numbers XXXX, and XXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from LVNV Funding LLC dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, LVNV Funding LLC sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing LVNV Funding LLC communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires LVNV Funding LLC to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 )  Proof of any other information contained in the credit report regarding the account. LVNV Funding LLC provided none of the above. LVNV Funding LLC continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. LVNV Funding LLC has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. The above illegalities were committed via USPS mail.
Consumer complaint received 2020-04-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Complaint regarding USAA FSB unfair acts and practices. The USAA did not conduct a reasonable investigation of my credit card dispute v. XXXX regarding a charge of {$110.00}. 
I was notified that I did not provide the requested supporting documentation. 
No specifics were given. I disagree. I attempted to upload and uploaded the supporting documentation through the USAA website and App. Based on that documentation the USAA should have concluded that XXXX unfairly cancelled my tickets without my consent. I contacted USAAs Director and CEO XXXX XXXX but have not received a response. 
The USAA continues to engage in unfair acts and practices in my case. They should provide full, clear and unambiguous description of their investigative efforts. In early XXXX the USAA was ordered by CFPB to pay {$15.00} XXXX in fines and restitution for unfair acts and practices.The CFPB determined that USAA FSB failed to stop preauthorized electronic fund transfers and denied customers a reasonable error resolution investigation. 
The USAA is poorly run. The quality of its services has precipitously deteriorated. 
My dispute regarding XXXX should have been resolved in my favor based on the documentation I provided. 
I request the Board of Directors investigation of unfair acts and practices in this case. No response was received. 
It is also no longer possible to communicate with USAA via messaging regarding banking matters. The messages are limited to Investments, Insurance and comments about its website. The USAA customer care is in severe decline. It is no longer possible to file grievances and communicate with the Board Members via  messages. 
These practices are unacceptable. 
I no longer have my auto insurance with USAA because the USAA rates are unreasonably outrageously high. 
I am a XXXX  member of the XXXX XXXX XXXX. 
I should receive the best treatment possible from the USAA. 
Thank you for your anticipated help. 
Very respectfully, XXXX XXXX, XXXX, XXXX ( XXXX. 
XX/XX/XXXX.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX is reporting inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion is reporting inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

On XX/XX/2020, we received a call from a man identifying himself as working with the district attorney 's office in XXXX, Arkansas. He stated that our grandson had been arrested and needed bail money. He asked us to wire {$2800.00} to Western Union in XXXX, Arkansas. 
We went to the Western Union office within our bank and wired the money. Within two hours we realized it was a scam. We called Western Union and told them to stop the money and send it back to us in California. We waited two hours, called them back, and they stated that the file had been marked scammed and were returning the money. We called numerous times with the same explanation. 
We went to our back with a police officer and they said the money was not there. We again contacted Western Union and were told the money was being returned. No results that day. We called Western Union the following morning and they stated the money had been picked up in New York, the previous afternoon at approximately XXXX. We questioned this as to how this was possible when the money should have come back to the California office. 
At this point, we filed with the fraud department within Western Union requesting our money back from them. They filed a claim - or so they said - this was the beginning of at least 4 different claims being filed., with every excuse in the world why we were not getting the money back. I stated to them numerous times that I felt there was fraud going on within Western Union or somebody had tapped into their system. This was like talking to a wall. 
As far as I am concerned all the employees that I have talked to in the Western Union fraud department - and there have been many - could care less and they are reading strictly from a scripted message. The simple problem I tried to explain to them, at least a half a dozen times, was the money should have been returned directly to the office where we had wired it from - California. I feel the money was never going to XXXX, it was being diverted to New York within the Western Union system. This whole process was a scam from the beginning. 
If you would like all the case numbers, and notes, I can supply that information ; however, I feel they need to fix the problem and clean up their act. You stated not to include any numbers but if you contact us directly, I will give you the original wiring instructions so that you can follow up on this. I am sure this has happened to many people and they have no recourse with Western Union because they don't care and so people give up. I am not one of them. At this point, I just want my money back.
Consumer complaint received 2020-04-02
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)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX  XXXX {$1500.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX {$660.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$16000.00} XXXX XXXX {$210.00} XXXX XXXX XXXXXXXX {$460.00} AR CHILD SUPPORT ENF  XXXX {$97.00} XXXX   XXXX {$180.00}
Consumer complaint received 2020-04-02
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. (TX)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX {$660.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$16000.00} XXXX XXXX {$210.00} XXXX XXXX XXXXXXXX {$460.00} AR CHILD SUPPORT ENF  XXXX {$97.00} XXXX   XXXX {$180.00}
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had been paying, on time, my Capitalone auto loan account on time from XX/XX/19 to XX/XX/19. 
in an effort to improve my credit, which I had improved to 700-750 [  ALL MY BILLS HAVE BEEN ON TIME FOR THE PAST 2 YEARS OR LONGER ] .On XX/XX/2019 the auto loan MATURED with a remaining balance of late fees totaling {$1100.00} ( + ). Prior to the XXXX maturation of the loan, I contacted Capitalone on to occasions to satisfy the late fees to prevent it from being reported to the credit bureaus or turned over to an outside collection agency within 90 days. They stated it would not be a problem and it WOULD NOT be reported to the credit bureau as long as the balance was paid within the 90 days. I continued to pay the original loan amount in XX/XX/2019 of {$630.00}, In XX/XX/2019, Capitalone reported my account 30days delinquent because the entire balance of {$1100.00} was not all paid. Although I was paying the balance down, they continued to report the remaining balance as 60 days late and finally 90 days late. I cleared the balance in full on XX/XX/2019. As I'm satisfying the balance, I'm also in constant contact with Capitalone to remove the incorrect data on my credit report.To this day, this was not corrected to my satisfaction, with the erroneous information remaining on my credit reports and continuing to destroy my credit
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

1. ) Account XXXX Date Opened XX/XX/XXXX /Original Balance {$14000.00} and 2. ) Account XXXX Date opened XXXX XXXX/Status closed charged off/Balance XXXX are being reported falsely and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them. Negligence from their part. I need this help from you guys please.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

15 U.S Code 1681c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2020-03-23
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: Financial Assistance Inc (NV)

The following information appears on my credit file as a result of identity theft. I believe my ex husband, XXXX XXXX, has been using my identity to fraudulently obtain goods in my name. I have not had these credit cards or loans and I in no way benefitted from any of this money or credit accounts and they must be removed from my credit file as soon as possible as they are causing me harm. The following information is inaccurate and fraudulent and must be removed. 

Accounts : XXXX XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$4900.00} XXXX XXXX   Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$18000.00} XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$16000.00} Financial Assistance Account : XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$12000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX/XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX   Date : XX/XX/XXXX Please remove this offending information as it is inaccurate and causing myself and my family harm.
Consumer complaint received 2020-03-23
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: Lending Club Corp (NV)

The following information appears on my credit file as a result of identity theft. I believe my ex husband, XXXX XXXX, has been using my identity to fraudulently obtain goods in my name. I have not had these credit cards or loans and I in no way benefitted from any of this money or credit accounts and they must be removed from my credit file as soon as possible as they are causing me harm. The following information is inaccurate and fraudulent and must be removed. 

Accounts : XXXX XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$4900.00} XXXX XXXX   Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$18000.00} Lending Club CORP Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$16000.00} XXXX XXXX XXXX : XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$12000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX/XXXX   Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date : XX/XX/XXXX Please remove this offending information as it is inaccurate and causing myself and my family harm.