davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (CA)

My name is XXXX XXXX and I reside at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX # XXXX Midland Founding LLC sued me for an old credit card dept, {$3700.00}, they had on their records with California Superior court XXXX county, case # XXXX. Which they claim that they have collection rights from XXXX XXXX. 

I went to court on trial on XX/XX/XXXX in person trying to defend myself since I could not afford an attorney and lost the case and now due to my financial problems I need to file for Bankruptcy and I even can't afford an attorney to help me to file for the BK. 
The documents they used against me was only data files that they had purchased from XXXX XXXX and statements that were not exclusive to me. They did not provide anything else. I disputed the dept and they responded by a single page letter that per their internal records I owe them money and not provided any other evidence. I reference the Consent order between CFPB and Midland to the judge, he said this is just some documents from a federal department and does not apply to state court, although the doc clearly says it applies to state and federal government. Midlands attorney did not speak in the trail and  the judge soley relied on the documents and asking me questions to give his vertict per the evidence given by Midland I expressed that the documents are hearsey and they are in violation of the consent order between CFPB and Midland but the judge was not interested. 
Prior the court they put negative report on my credit and that caused me denial of credit when going through a dental procedure and I suffered for a month before I had to pull an infected tooth. Now l am broke and feel defeated. I have been working 60 hours a week none stop for 5 years and always short and now they have the judgment to go after me to probably embarence me at work and my bank. I don't know what else I can do.
Consumer complaint received 2019-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

On XXXX the XXXX I received a summons for a debt whch I had been making some monthly payments on. The amount of either {$6500.00} or {$6800.00} seems to be too high an amount. 

First, when contacted in XXXX, 2018, I had no proof that XXXX XXXX XXXX initially in 2018 was a valid creditor, and their main tactics seemed to be intimidation and threats to sue if large sums of money were not paid to them. The customer service individuals were clearly overseas and improperly trained. Eventually to avoid my own distress after encountering challenges due to domestic XXXX, I agreed to a monthly payment amount. 

This company seemed violate consumer laws in trying to threaten and intimidate individuals,, and show no respect or compassion for consumers encountering difficulties, such as lost jobs, or a move across the country. I initially endured harrassing phone calls, and minimal response to my statements and situation.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I have been locked out of my account. I tried to restore access. USAA uses a 2FA system that relies on being logged into the APP. I am locked out of the app, possibly from some travels abroad. I am not able to generate their token. The CSR have no ability to offer another way to access my account. The pin number I have been using for 20+ years is also not accepted. The CSR refused to escalate nor provide any other way to access my account in a prompt fashion, other than an offline approach requiring manual verification taking 2-3 days. This is not acceptable. When i mentioned the possibility of fraudulent activity and wanting to make sure nothing was happening the CSR refused service on 2 separate calls, saying they were completely unable to access any accounts or information for me.
Consumer complaint received 2019-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/XXXX I received a summons for a debt whch I had been making some monthly payments on. The amount of either {$6500.00} or {$6800.00} seems to be too high an amount. 

First, when contacted in XX/XX/2018, I had no proof that Midland Funding LLC initially in XX/XX/2018 was a valid creditor, and their main tactics seemed to be intimidation and threats to sue if large sums of money were not paid to them. The customer service individuals were clearly overseas and improperly trained. Eventually to avoid my own distress after encountering challenges due to domestic XXXX, I agreed to a monthly payment amount. 

This company seemed violate consumer laws in trying to threaten and intimidate individuals,, and show no respect or compassion for consumers encountering difficulties, such as lost jobs, or a move across the country. I initially endured harrassing phone calls, and minimal response to my statements and situation.
Consumer complaint received 2022-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (MD)

Hello, I am having issues with Truist and nobody is trying to fix the issue Ive contacted the customer service department including the fraud department you guys literally took a {$1500.00} scholarship away from me due to system issues. The day I took out 10 grand from my savings account and transferred it to XXXX XXXX account it Limited my account to me no longer being able to make any transfers due to me reaching my limit. Furthermore there was 1500 deposited in my account from my university from a scholarship. 
I tried transferring that 1500 to my XXXX XXXX so I can then go ahead and close my accounts. However The app told me that I had to wait 24 hours because I reached my limit due to me recently taking out 10 grand out of my savings. So the next day I tried to do the transaction again still did not go through. But both transactions were pending on my account. 
Nothing never transferred over to my XXXX XXXX. So when I woke up the next day I seen that you guys overdrafted my account for {$1500.00} and literally took that {$1500.00} scholarship money. 
You guys owe me {$1500.00} and if I do not get my money in this overdraft taken off of my account I will be taking truist to court. 
I literally been contacting you guys back-and-forth and you keep putting me between the fraud department and customer service department and these people literally arent even able to help me and keep passing me back-and-forth between departments. 
Those two transactions states that it went through but I NEVER received my 1500 to my XXXX XXXX!! I literally gave my whole entire XXXX statements to the customer service department thinking that they will fix it but they said I have to contact the fraud department then the fraud department is saying that its nothing that you guys can do I want my {$1500.00} back and a negative balance so we removed off of my account
Consumer complaint received 2023-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC (NC)

I contacted XXXX XXXX XXXX about 2 months ago to clear a debt and pay it off in collections. The lady was nice and pulled up my account and told me that it was against the law for them to accept payment due to the being past the statue of limitations here. I respectfully asked what can we do and she said not pay it because they can't accept payment. I wan na resolve this somehow to purchase a home. This is a debt I was willing to pay but have disputed for 2 months no resolve from XXXX or nothing. The debt is {$1100.00} I was willing to negotiate but they can't accept payment please help me resolve this somehow or let 's work with the company to get this debt removed as a good will deletion.
Consumer complaint received 2023-04-06
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4, 5, and 6 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (NY)

My business " XXXX XXXX XXXX XXXX '' has had a checking account with Chase for 16 years. They illegally changed policies that I didnt agree to when I signed up for the account and now charge my checking account {$15.00} per month to keep the account. This is not legal as I never agreed to these terms.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NJ)

Got a chase bank cash advance on my XXXX credit card ( since closed ) I paid it off in full 3 days later. Teller wasn't aware of Chase Bank policy that you can't pay off a Chase Bank cash.advance until 30 days after the next statement comes out, and by mistake she accepted the payment, but posted it against my regular credit card balance. This caused my interest rate to spike to 29 % Chase is still asking my to pay the balance of {$1500.00}. They made this card 0 % interest, but never got rid of the excess interest chargesXXXX XXXXXXXX XXXX
Consumer complaint received 2019-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I called Chase Bank to refute a charge placed to a car detailer. The detailer failed to provide services for close to a year and refused to provide a refund. Every time I asked for a refund from the merchant, an excuse or delay was given for months on end to no avail. Called Chase to  refute the charge as a last resort. Charge was made XX/XX/XXXX and Chase let me open a case. Got a letter in the mail dated XX/XX/XXXX saying they have denied my claim and are going to reverse the credit of {$2800.00} they gave me. No reason given other than that the charge was correctly authorized. Call the claims department as I was never asked to submit proof or any other validation. Claims department proceeds to inform me that since it was over 120 days ago, they couldn't recover my money. I ask why they even let me make the claim, no reason given. Wouldn't escalate it to a manager or supervisor. I don't understand why a investigation wasn't done at all. The company involved flat out does not return phone calls and won't do a refund.
Consumer complaint received 2018-04-08
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: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX I submitted a Certified letter to XXXX XXXX n regards to two negative inserts that was on my Credit Report. They were both for the same company but one was from the Credit card and the other one was from a collection agency ( XXXX XXXX XXXX ) both for XXXX XXXX XXXX. 
I asked to please Validate the accounts and to provide me with copies of any documentation associated with this accounts bearing my signature. 
On XX/XX/XXXX I received a Credit Report from XXXX XXXX dated XX/XX/XXXX stating that the account was verified and updated. Not receiving any proof that this account bared my signature. By that time it had been 30 days before i rec '' d any response so on XX/XX/XXXX I sent in a .SECOND WRITTEN REQUEST. stating that the unverified items listed below remain on my credit report. 
On XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX that the account in question was Verified and updated, yet no proof was submitted bearing my signature. 
On XX/XX/XXXX I submitted my 3RD request stating that this was my final communication in regards to the inaccurate entry and yet no evidence to support their reporting was ever provided to me. 
On XX/XX/XXXX I received a letter XXXX XXXX dated XX/XX/XXXX stating that the investigation results were verified and updated. I feel i have been treated unfair from the Credit Bureau and they have not complied with my request for verification and they have also Violated the Fair Credit Reporting Act.
Consumer complaint received 2023-06-12
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. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was encashing my paycheck, as always been the case, with Bank of America branch. I have no problem before until now. An XXXX XXXX XXXX Manager 2 of Bank of America at XXXX XXXX XXXX XXXX, CA XXXX, refused to encashed my check. I showed them my paystub and the check but I was met with racism, arrogance and when I said I was going to complain for the treatment, and when I asked for his name, I was shouted of which the whole branch would hear literally. I was met with sarcasm and threat! This person is XXXX XXXX. He mocked my XXXX and belittle me.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I paid for a compressor replacement at XXXX XXXX ( XXXX XXXX ) for my XXXX. Upon receipt of the vehicle, after calling numerous times for updates on my vehicle, I was able to pick it up. I was told compressor replacement was completed correctly, I was directed to pick up my vehicle as the service department was closing and my service advisor was not available so I was left to pay for my services and leave. Upon turning on the A/C I noticed the A/C was not blowing cold, after paying {$2100.00} to get this issue fixed. I made numerous attempts to call and contact the service department, however they did not answer the phone as before when they had my vehicle and I had to call every 5 minutes to get my message to my supervisor, as they only use a phone system. where as the XXXX XXXX uses text and phone systems to keep you informed as well as a tracking system that updates you on the progress of the vehicle. I was finally able to get a hold of the receptionist and she said she would leave a message for my supervisor and the manager of the service department, but that was never done and after more calls no one still returned my call about my compressor not working. 

I went to an outside service department to get an inspection and 2nd opinion on this issue and they told me the compressor replacement was not performed correctly, and i would have to come out of pocket for another compressor. Furthermore, I was left to dispute the charge on my card for reason of : SERVICES RENDERED AND PART PAID FOR NOT AS DESCRIBED ( MEANING IT WAS NOT FUNCTIONAL AND SERVICE PAID FOR WAS NOT PERFORMED CORRECTLY ). The minute I was able to get into the shop, have the inspection and repair done. The service provider provided detailed notes on the invoice of what occurred with the compressor as well as a letter detailing the issues with the compressor XXXX XXXX placed in the vehicle. I initiated a dispute and provided all documentation that Apple Card Support investigators requested in relation to this issue, and they have taken months to " investigate '' and ignore the evidence given. 

I have had to re-initiate this dispute as well as raise a XXXX complaint against the car service company to get anywhere
Consumer complaint received 2023-04-07
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. (CA)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance {$84.00} ; XXXX XXXX XXXX XXXX XXXX -.
Consumer complaint received 2019-10-03
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: DISCOVER BANK (CA)

I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2017 for my Discover account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had was unable to pay at the time due to flooding in my household which caused me to have to pay for a place to live temporarily.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for a home loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.
Consumer complaint received 2019-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I took out four XXXX XXXX XXXX  at the same time to finance my graduate school education. I have been paying on those loans consecutively since XXXX, first through XXXX XXXX and now through XXXX  XXXX ( U.S. gov. ). Since I am a XXXX   at a XXXX XXXX, I always planned on applying for the Public Service Loan Forgiveness program. I have now applied for that program, but XXXX XXXX says many payments for the first two loans were under a standard payment plan for 2 years and those payments are not qualified for PSLF. So, I now have two loans eligible for forgiveness in XXXX and the two ( larger loans ) not eligible until XXXX. This means I can not take advantage of the XXXX XXXX XXXX XXXX at my university. I will be well into my XXXX when my loans are forgiven. I do not believe I should be punished for making LARGER payments, under a standard repayment plan for two years. Nobody at XXXX XXXX offered any counseling saying that type of repayment plan would be disqualifying for PSLF. This whole program is very misleading.
Consumer complaint received 2023-04-07
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$20000.00}. Please remove this account as soon as feasible.