davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
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: DISCOVER BANK (CA)

I called the CFPB a few times and unfortunately must file this complaint. I called Discover the night I saw on the front of my phone the outrageous charge of XXXX and went in shock. I don't do fancy stuff for myself, and went to this spa, and this woman said it would be XXXX dollars. She charged me another XXXX or so for some XXXX pads, and I tipped her cash another XXXX dollars as well. She writes a receipt on an old fashioned pad and gives me a copy. She put some papers in a bag. She rented a room out of a doctors office and canceled on me numerous of times. The invoice was all scribbled on and had a row of numbers at the top. Nevertheless, Discover reused to acknowledge this was fraud, and filed it as inaccurate. They reverse the charge back to my card, and I contact them. I upload the receipt to them and spend all day on a Saturdays trying to email the receipt, finally I get it to them by way of the XXXX store 's fax. I call to confirm on Monday, and I am told after being told on Saturday if I get them the invoice, they will happily just come to a resolution and can see this was not right. The woman re-wrote her receipt and made the transaction of it instead of being XXXX to XXXX and I proved she inflated this whole transaction. The invoice numbers were forwarded too, and she backdated the new receipt. Discover still after speaking with a new person the following Monday decides to renege on their word immediately! I then was angry and decided I can't trust this company at all, and had to close my account. This has impacted my credit. Today, I also receive a personal loan for XXXX dollars as a courtesy, but Discover decides to block me from calling them on any of their numbers because I insisted on asking for their legal department, asking for their terms and conditions in which they refused to give, asking for a supervisor to call me back in which never did, asking for a formal complaint, and they refused to give me the headquarters address as well. Discover is full of fraud themselves and is not showing any transparency themselves. I have left a message on their attorneys line and this sparked an outrage from yesterday! I have worked in superior court many years and have filed thousands of documents and know exactly how to navigate a system. Their completely out of control. The more I called the more I found out they would just leave me on hold and never come back on the line. This is brutal and I have plenty of years of credit cards to know there is something seriously wrong.
Consumer complaint received 2019-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Columbia Collection Service, Inc. (OR)

Someone used my info to check into a hospital in 2014 and racked up a huge list of bills for XXXX XXXX XXXX. I've disputed it with the hospital and debt collector but they kept racking on new fees and interest over the years and also published it on my credit report as a psychological institution debt which everyone who runs my credit can see and immediately assumes I have a mental disorder.
Consumer complaint received 2019-09-08
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. (GA)

A company called XXXX XXXX XXXX has been added to my credit report for XXXX, XXXX, and for TransUnion. I just received the notification. This is fraudulent information. This company has not sent any notices at all. Probably because they know that it isn't my debt and is someone elses. These credit bureaus are required to verify and validate any and all information before it is reported to my credit report and they have not done so. I have extended fraud alerts on here and they have allowed fraudulent information to be reported to my credit report. There is no reason why fraudulent information should be showing up on any of my credit reports.
Consumer complaint received 2019-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MI)

My wife and I opened an account through TD Bank, NA XXXX Renovate in late XXXX. I began making payments and in XXXX of XXXX made XXXX payments ; which made it so I was paying on the balance a full month before the payment was due. On XX/XX/XXXX a payment was due and I had already paid it on XX/XX/XXXX. I went online to make a payment again on XX/XX/XXXX ( for the upcoming XX/XX/XXXX bill that would be due XXXX and discovered TD Bank applied a {$25.00} late fee to my account. When I contacted the bank, I was told by a representative that as far as the company was concerned, I had just made an extra payment during one billing cycle and they didn't recognize it as paying ahead or paying prior to the upcoming due date. The representative told me if I didn't pay it exactly how they told me to, one payment per each defined billing cycle, then TD Bank would continue to assess late fees against me. The representative agreed to reverse the late fee " as a one time courtesy '' ( their words ) even though, as I pointed out to them, I had not made a late payment and was actually a month ahead on my payments. 

I believe this company is engaging in predatory practices. They are punishing me for attempting to pay off my balance ahead of time and for trying to keep ahead of due dates by paying early. Also, as part of the agreement, it is a requirement I pay the balance by a certain date and with no late payments in order to avoid accumulated deferred interest. I believe TD Bank, NA is trying to use this practice to say I made a late payment so they can then assess all of the deferred interest charges against me and raise my rate from 0 % to the extremely high interest rate the card normally carries.

I have had countless other loans in the past thirty years and have used this same method to pay them off early and to avoid missing or being late on payments ; no other company has EVER told me I couldn't make early or extra payments and they certainly have not tried to assess fees on me for doing so.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (PA)

My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. My email is XXXX, my QVC account and Synchrony account are both attached to this name and email. 

On XX/XX/XXXX, I ordered a XXXX XXXX  XXXX  priced at {$1200.00}, agreeing to XXXX  easypay installments of {$250.00}, through the seller : QVC, using my Synchrony QVC card ( ending XXXX ). I paid for express, overnight shipping, hoping that they would provide signature confirmation and an accurate delivery date for such an expensive product. I was provided the wrong estimated delivery date of XX/XX/XXXX, it was delivered to my house when I was not home on XX/XX/XXXX, no signature was requested, and the package was nowhere to be found when I came home and so I consequently requested a refund. A refund was provided to me by QVC, and curiously a few days later, on XX/XX/XXXX, I received an email from QVC stating that they would no longer honor the refund. 

" Dear Valued Customer, Upon further research the refund for your claim of non-receipt on your XXXX is unable to be processed. Tracking confirms your order was delivered. If you feel this is still an issue you must dispute this charge with your credit card company. '' This was for Order # XXXX with QVC. 

On XXXX I went forward to submit a claim with Synchrony as QVC provided and then pulled back a refund despite my not receiving the merchandise, and provided proof to Synchrony in the form of a chat I had with the QVC representative . Synchrony denied my claim. My card is still being charged for this purchase, and I am now being told that Synchrony is closing my other accounts due to this unpaid transaction that I never received in the first place. I received notice on XX/XX/XXXX through XXXX of all people that my claim was denied, despite hearing nothing from QVC OR Synchrony on the matter. 

When I placed the initial chat to QVC to request a refund, at the end of the chat- I asked how I can save the transcript. I was LIED to by the QVC associate who told me to INCORRECTLY press the wrong button, and subsequently the chat I attempted to save as proof of the refund was deleted, and when I requested an email copy, or to be mailed proof of this transcript with QVC support, I was DENIED by QVC. Very, very shady business practices.
Consumer complaint received 2023-03-24
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. (FL)

I am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.
Consumer complaint received 2022-02-17
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. (NY)

XXXX XXXX XXXX XXXX reporting the following accounts removed which clearly is not true. XXXX XXXX is reporting accounts removed but the accounts are still listed on my XXXX XXXX Transunion and XXXX profile : XXXX XXXX and XXXX XXXXt XXXX XXXX XXXX is fraudulently reporting XXXX XXXX with remarks updated and added. There are no remarks and no updates
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MO)

FIRSTMARK/XX/XX/XXXXXX/XX/XXXXaddedremarksas"affectedbynaturaldisaster''onmyaccountthoughI'mnotaffectedandI'mmakingon-timepaymentstilldate.Idisputedthisremarkwiththebankthroughbureausbuttheyreturnedbackthisremarksasaccurate.
Consumer complaint received 2024-06-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (CA)

Ok I have and email that I'm getting about and acount that is name was change to the company I called PayPal holding to give me more information about the account but the only information that I could provide was the omb number becused that all I had omb numbers XXXX with PayPal holding and the only recent y I called I all so have a learning XXXX and I don't really comprehend everything i read so if I neglected any thing like and legal documented its becused off my XXXX but it don't mean to i ignore it but I don't know about the name change on the forms and now will give me no information all I know that pay pal change the document to there name so I would like to know more in ok I appreciate this very much
Consumer complaint received 2023-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (CA)

On approximately XX/XX/2023, I conducted successful deposit and withdrawal transactions to and from my Kraken account. However, on approximately XX/XX/2023, when I transferred all my crypto assets of {$230.00} XXXX into my Kraken account with the intention to sell and transfer the funds to my bank account, and after successfully selling my crypto assets, I discovered that I am unable to withdraw any amount of my money, even within the permissible limits. 

Promptly, I opened a support ticket and provided all the requested documents. Despite my continued efforts, the Kraken support team 's responses have been limited to acknowledging that my account is under review, with no indication of an estimated completion date or requests for additional information. 

The Kraken legal team did not respond to my email. The support team over the phone can not do anything about it. There is absolutely no communication from Kraken about when this issue will be resolved or what additional documents I need to provide. 

I fully committed to cooperating and promptly addressing any legitimate concerns that may have arisen. I am also willing to provide any additional documentation required to expedite this process.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish
Consumer complaint received 2019-03-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Braviant Holdings, LLC (WI)

XX/XX/2019 I filed for Chapter XXXX bankruptcy protection XX/XX/2019 341 Meeting of the Creditors with the Trustee ; the record will show there were no creditors represented in the Court. Specifically, no representation from XXXX or the presumed original creditor, XXXX XXXX. 

XX/XX/2019 Received voicemail from XXXX This message is intended for " you '' this is XXXX XXXX compliance officer contacting you in regards to your pending case being filed that is attached to your name, birth date and social security number. By law, I have to make you aware that once a case number " x '' is filed it will become a matter of public record and there is an order of location issued for you. Since I wasn't able to reach you by phone I was instructed to contact your employer and speak with your supervisor as it looks like this will now be a possible place of location due to the negligence on your end regarding this case. XXXX `` X '' you do have a legal right to contact the office that is processing your case if you will want to speak with them before its filed. Once your case is discharged from their office all rights are to be forfeited. The number provided on the paperwork for you to contact them immediately is XXXX. You are being legally notified by telephone and you will be located unless I'm told otherwise. 

XX/XX/2019 Received a text from a colleague that the " compliance officer '' had reached out to them regarding me. 

Please investigate why XXXX XXXX would sell loan that was known to be in Ch XXXX proceedings. Further investigate why XXXX is allowed to intentionally use illegal tactics within days of the 341 meeting to harass, further embarrass and scare an individual into some type of payment arrangement. Hit them with fines.
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (OH)

i leased an automobile from kia of XXXX in ohio, at the use of my credit extension with seller. there where several mechanical issues, i returned the car to the dealership, after 18days of not having a vehicle once returned, i was informed that " under my powertrain limited-lifetime warranty '' my engine had been replaced with a used engine this was all done without owners consent, which violates my constitutional rights as well as my privacy rights, and the sellers obligations of non-performance and responsibility.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, 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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (GA)

I tried to dispute {$470.00XXXX XXXX  I put my dispute in on XX/XX/22 I gave them a copy of my police report 2 weeks ago I call today and was told know one did the work to reopening it so we can do it now I told him it have been 2 weeks I need my money now he told it will be up to 90 days I told him I never had XXXX  they are not to give my money back I hope you can help me my card from chime no one will not give me the corporate phone number
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

My account was charged fraudulently for the following transactions that I did not authorize : * {$100.00} from XXXX XXXX on XXXX XXXX UTC * {$200.00} from XXXX XXXX on XXXX XXXX UTC * {$100.00} from XXXX XXXX on XXXX XXXX UTC * {$110.00} from XXXX XXXX XXXX XXXX  on XXXX XXXX UTC Upon noticing these transactions on my account, I made a claim with my financial institution on XX/XX/2020 and at their request, submitted a written claim on XX/XX/2020. 

I was informed by a representative of the financial institution on XX/XX/2020 that the matter would go under investigation and if the claim was not resolved within 10 business days, I would be extended provisional credit no later than XX/XX/2020. 

On XX/XX/2020, I received a notification that my claim had been rejected, but was not given a specific reason as to why. 

On XX/XX/2020, I requested to know the specific reason for my claim being rejected as is my right under Regulation E and did not receive a response until XX/XX/XXXX when the financial institution informed me that my claim was still being investigated as it had never been denied, but that theyd have 90 days to reach a decision. 

As such, as the matter was open the entire time, I am entitled to provisional credit under regulation E in the amount of {$530.00} which to this point, I have been unjustly denied.
Consumer complaint received 2019-09-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Certegy Holdings, LLC (MS)

I went to cash a check at XXXX on XX/XX/XXXX. Certegy advised that I cashed a check from XXXX XXXX on XX/XX/XXXX for the amount of {$660.00} and owed this money. I told them they must be mistaken and it's not me. I have no knowledge of this company. I have no knowledge of this check and to send me a copy of this they advise that they do not have a copy of the check but yet they are holding me responsible for {$660.00}. I have never gotten a call from Certegy nor a bill. Nor have I ever gotten a bill from the so called company XXXX XXXX. I do not know where they are or who they are and to please send me all documents they have on this transaction. I told them I am disputing this information you have on file and send me all information you are claiming that is causing a problem for me to cash check I am disputing any and all negative information in their system. reference number XXXX at XXXX for the amount of {$570.00} when they refused ti casg my check due to this.
Consumer complaint received 2023-08-06
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: Resurgent Capital Services L.P. (TX)

I am requesting that you take immediate action to remove this account from my credit report. I have previously asked for the information that I am legally entitled to according to FCRA on several occasions and you have refused to investigate my request. If the inaccurate account is not removed from my credit report, I am prepared to file a complaint with the Federal Trade Commission ( FTC ). This is a serious matter and I urge you to take decisive action to rectify the situation. 

You have already violated the Fair Credit Reporting Act ( FCRA ) by not marking my file as disputed, not providing me with a signature to validate the debt, and refusing to investigate my dispute. I expect you to do what is necessary to ensure that the inaccurate information is removed from my credit report. 

I want this item removed from my credit report, I'm also seeking a settlement of {$4000.00} for violating the FCRA. I have maintained careful notes and correspondence since the beginning of my disputing process.
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (TX)

XXXX XXXX XXXX is a scam that we unfortunately fell for. 

We contacted U.S. Consumer Attorneys, P.A. to help in this matter. They managed to get the matter settled however the Club had already sent to Monterey Collection Sv. The club apparently does not intend to inform Monterey Collection Sv that the matter has been settled.

The Club has been dragging their feet on this but this is not a legitimate company.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This Debt was on ALL 3 credit bureaus. I am a victim of ID Theft and this debt does not belong to me. I provided credit bureau and the correct documentation to prove this is not my debt.