davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GreenSky, LLC (VA)

On XX/XX/2018, I called and made a complaint to GreenSky about the late posting of my payment, sent on time ( I have proof ). I received a form letter dated XX/XX/2018. To date the issue has never been resolved, I have called consistently every month, and most recently spoke with a manager named XXXX. Who in turn did not solve the issue. By GreenSky posting my payment late each month they debit a late charge, I call, they remove. Recently I sent a check # XXXX in the amount of {$100.00} mailed on XX/XX/2018. At the end of XX/XX/2018, I called a total of 4 times. Because my credit is important I then mailed a check in the same amount Certified Mail, Return Receipt on XX/XX/2018. Today the RR has not been returned. So I have 2 payments sitting in AXXXX XXXX and not posted to my account. I just received another invoice. They refuse to find out where the checks are and the manager said, " they go to a lockbox and we have a lot of customers. '' Well, most businesses ; payments go to a lockbox and all of my creditors ' cash within 5 days of receiving. I spent {$6.00} just to send Certified Mail, so it is costing me more. The other issue is the billing increasing payment interest contrary to our signed agreement. I really need assistance. I wish to have my payments posted in a timely manner, Customer Service responses other than giving me the run-around. I sent an email to corporate to the attention of XXXX XXXX, CEO no response.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I had lost access to my checking, savings, mortgage accounts as well having lost my ability to write checks and use my bank card. Now after XXXX weeks I still do not have full access to my accounts. Webster has out sourced it help desk to some foreign nation with people who have very heavy accents and their only response is to change my password which I have done 16 times to no avail. When I go to the local bank branch they tell me the the main office has to fix the problem. Webster says it has upgraded its security but in the process they have screwed up virtually everything. Some one needs to be fired or the bank should be fined for this debacle.
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

On or around XX/XX/XXXX I recieved a letter from an Attorney ( whom I do not know ) telling me that he, upon reviewing a hearing docket for Magisterial District XXXX ( XXXX XXXX, Pa. ), discovered that LVNV Funding ( a debt buyer ) had filed a debt collection action against me XXXX. There was no direct communication from the debt buyer,. Had it not been for this attorney I would not have known about this action. I sent the debt Buyer a " Letter of Discovery '' asking for the origin of the debt, original date, last payment etc. It was sent certified mail XX/XX/XXXX ( and recieved by the company ) .There has been no reply. The hearing was set before a XXXX in XXXX XXXX on XX/XX/2021. This is over 300 miles from where I live and could not make it to such a hearing. I also have reason to believe this debt ( which I have no record of and could not find on any website or Credit Report ) is an old debt and now covered by the Statute of Limitations. The Credit Buyer has seemed to have been acting in a completely underhanded manner about the entire affair.
Consumer complaint received 2020-08-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

EQUIFAX IS BREAKING THE LAW. ITS BEEN WAY OVER 60 DAYS AND THEY REFISED TO FOLLOW THE FCRA AND REFUSE TO REMOVE THESE UNVERIFIABLE INFORMATION FROM MY CREDIT REPORT. THEY ALSO REFUSE TO UPDATE INFORMATION AND MISS PAYMENT THAT SHOULS BE REPORTED AS ON TIME
Consumer complaint received 2019-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (GA)

XXXX XXXX XXXX issued me a loan of {$2500.00} XXXX in XXXX had me sign an electronic signature and went through everything fast and in the middle of the store for everyone to see. I did not notice the 152 % interest when I signed and was not told that was the rate. This is a violation of heart laws and should be stopped. I will pay {$8000.00} for a {$2500.00} loan. This is ridiculous. They also were suppose to debit the first 3 payments and have yet to do the first one which was due on XX/XX/19 this is the XXXX. I cant reach anyone when I call the number. Please investigate this company.
Consumer complaint received 2019-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (SC)

Around XX/XX/2018 I discovered some medical debts on my credit report when I was purchasing a car. I called the XXXX XXXX XXXX Georgia who in turn stated they had not sent any debt to collections in my name. So I contacted the collection agency and informed them I had no knowledge of the debt and provided them with the information that I had received from the hospital. The collection agency 's name was XXXX XXXX who concluded that the debts were fraudulent. All three debts were removed from my credit reports due to fraud. The amounts were XXXX, XXXX, and XXXX. The collections were all removed XX/XX/2018. 

I have now discovered after purchasing a credit monitoring service that another collection agency called Commonwealth Financial has placed the same collections back on my credit reports. I contacted the XXXX XXXX XXXX Georgia who stated they did not send any collections to this agency and another rep advised me this time to file a complaint and seek legal advice. I have never heard of this collection agency nor did they contact me regarding the debt, if they had they would have know that the debts are fraudulent. I am so tired of these collection agencies just placing collection on consumer reports and violating the XXXX. XXXX XXXX is clearly trying to collect on debts they do not own and clearly can not properly validate, damaging my credit as well. 
I am looking into legal advise for defamation and violation of the XXXX.
Consumer complaint received 2019-03-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Total Card, Inc. (TX)

On XXXX XXXX XXXX Total Card Inc. XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX mailed me a collection notice, stating if I pay {$360.00} my debt would be resolved with XXXX XXXX XXXX. On XXXX XXXX XXXX I mailed in a payment for {$360.00} with the payment envelope provided. On XXXX XXXX XXXX instead of processing the payment per the written contract they provided and submitted payment for they reported this card that I haven't had since XX/XX/XXXX with a balance of {$300.00} as 180 days late to all 3 credit bureaus with a balance of {$900.00}.
Consumer complaint received 2019-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (NJ)

On XX/XX/XXXX, I applied for a loan online from MoneyLion. The loan amount is XXXX which they were able to deposit into my XXXX checking account using my debit card information. On XX/XX/XXXX they were supposed to make a payment of XXXX using my same card. This should not have been a problem. In fact, this payment should have posted within seconds. I had more than enough to cover this transaction and I pay attention to everything in regards to my account. 

This morning, I woke up to check the status of the payment that should have been posted to my account several days ago. Well here is the result! The payment was never processed because they claim they had the wrong account information! I know my routing number and checking account number and I had this account from when I was an employee at XXXX. I also worked with reconciliation so I do pay very close attention to number especially what is due, what checks or direct deposit are being deposited for services I provide with various vendors. Now, they are claiming this loan is past due. I was livid this morning because I feel that MoneyLion is taking advantage of my situation by making the assumption that I do not pay loans on time. I'm saying this because my credit score was at XXXX based on the derogatory information reported by yours truly XXXX XXXX and XXXX. I will be filing a complaint about those two in a minute. Also, MoneyLion claimed that the loan that I borrowed from them would not affect my credit score. Guess what! When I accepted the loan, my credit score dropped down to XXXX. Also, they tend to inflate the amount of your expenses on their app. I thought MoneyLion was there to help consumer but I see they take advantage of people situation by not being honest!
Consumer complaint received 2023-08-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA ()

My online-only Marcus savings account has been frozen for more than XXXX months ( since XXXX or XX/XX/2023 ) for unspecified reasons. I have been on XXXX lengthy telephone calls with customer service and another unidentified " department '' to try to address their concerns without success. I have answered all of their KYC questions ( name, password, XXXX, XXXX, " secret word, '' drivers license, etc. ). In early XXXX, Marcus requested and received a hard copy, notarized Affidavit of Identification. Still, my account remains frozen and I remain unable to access my funds. Whenever I call customer service, I'm told the unidentified department with whom I must speak is either closed or has a lengthy wait time. Last time, I requested a call-back, which was never received. 

I am a XXXX XXXX XXXX. During my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As such, I appreciate and understand the importance of KYC procedures and OFAC requirements. 

Having satisfied each and every one of Marcus ' requirements, however, I am at a complete loss as to why I remain unable to access my online account. If I depended on these funds to pay bills, I would be destitute by this time. Marcus has acted unreasonably, ostensibly in the name of investor protection. I should be granted immediate access to my funds and compensated for the inconvenience and delay they have caused. Thank you in advance for your assistance.
Consumer complaint received 2021-03-08
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. (PA)

I have spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MA)

I need your help, my identity was stolen after I open an account with XXXX XXXX. I have put in a dispute for charges that I did not make. I am not disputing that I open an account. I received the card in the mail and when I called to active it, I was told that it had already been used. It was in a different state from where I live. 
I did not make these charges and on your web site it states that you take fraud very seriously. All my credit cards were stolen along with my checking account, my XXXX investment account. They had turned off my cell phone and turned off my email account. So I was not getting any alerts on my phone or in any emails. I quickly realized what was happening and took action. 
I have gone to the police and put in an identity thief report at the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX  XXXX phone number is XXXX. The case number is XXXX.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$630.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX
Consumer complaint received 2019-01-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

I traded my XXXX XXXX XXXX lease in back in XX/XX/XXXX. My lease was traded in early, XXXX bought my lease out in the amount of XXXX which was the buy out amount. Im now a customer with XXXX and now leasing a XXXX XXXX XXXX. 

I received a bill from Toyota for the XXXX XXXX that I no longer have as of XX/XX/XXXX. I called Toyota Financial speaking to a rep who confirmed the reason I was sent a bill is because an odometer statement was not received. In addition they could not process the check until this item had been received. I was told to contact the dealer to send this info via fax. 

I call my dealer speaking to my salesman I told him about the situation and said that Toyota is calling for the odometer statement. He said he never sent one of these before and couldnt believe that Toyota was asking for this. He said that he would discuss with his boss and get back to me. This was fine I later received a text of the invoice that said the car was bought out by XXXX. My salesman called me to let me know he text me the invoice I confirmed receiving it. 

I then called Toyota the second time speaking to a new rep, I explained the entire conversation from the beginning and was told that I needed an odometer statement. I said that XXXX never sent a odometer statement in the past. The rep said in order to close the account that the statement was needed. 

I did my part by turning in my plates and going to the dmv etc Ive got all my receipts. So now Im caught in the middle and frustrated because XXXX will not send the odometer statement I guess to protect me or them from fees? I dont want this on my credit as Im trying to clean up my credit now. I really need help in this matter as you can see its really ridiculous Id be stuck in the middle of something that should have been taken care of from the beginning. Im not the owner of the car XXXX is I feel like any invoice concerning the XXXX should go to them not me!
Consumer complaint received 2018-09-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc. (CA)

repeated robo calls telling me I have an outstanding debt and threatening to take legal action. several calls a day from Meridian stating for me to call an XXXX number or they will take legal action. To my knowledge I have not debts which have been turned over for collections.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (VA)

I opened a US Bank Smartly Checking account online on XX/XX/2023, with an opening bonus of {$600.00}, which I should make more than {$10000.00} direct deposit within 90 days after the account opened. I actually made more than XXXX direct deposit by XX/XX/XXXX but did not get any bonus. 
I called US Bank on XX/XX/XXXX and was told I should receive the bonus by XX/XX/XXXX. However, nothing happened, and I called back on XX/XX/XXXX and was told to receive it by the end of XXXX. However, nothing again. On XX/XX/XXXX, I spent another 1 hour speaking with them and was told I should receive it no later than XX/XX/XXXX. I called another two times after that, and every time I heard a different story and was kicking around like a ball, I was kept transferred around but everybody told me a different story sometimes they told me someone will call me back the next day. However, I never receive the call back nor receive the bonus which I should receive. 
It's really frustrating and to me a huge mental health burn.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as well. No notice was given which is a further violation. I am requesting that the listed inquiries be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

This debt is considered to be statute of limitation last payment made in 2014 limitation for this is 5 years for state of nebraska they switch companies and report it to credit bureau as new debt.
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (DE)

I contacted lexisnexis about inaccurate information on my lexisnexis report. I disputed all the inaccurate unverified information on XX/XX/2018, I asked them to verify all of the items on my report by providing original documentation from the data furnisher, along with any representative they spoke to. On XX/XX/2018 they sent a letter claiming to have verified all of the information but failed to provide the information on how all of the items were verified.I will include the letter I sent to Lexisnexis along with the letter they sent to me claimg to have verified the information. I want all disputed items deleted immediately.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

The company Discover It has inaccurately reported information on my consumer credit report. Despite my efforts in reaching out to all three credit bureaus and the creditor directly, a satisfactory resolution has yet to be achieved. This misinformation is impacting my credit profile significantly, and I urge the XXXX XXXX Credit Bureau to take immediate action to rectify this matter. Your prompt attention to this serious issue is greatly appreciated. ( Last report Date XXXX XXXX, Balance : {$8900.00} ) - This inaccurate information is reporting on my XXXX XXXX Credit Report and needs to be corrected and removed permanently.
Consumer complaint received 2023-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

I filed a dispute after finding my money had been stolen, they denied my claim and have refused to help me or provide me hat information they based their decision. I got a manager via email and she told me they would not help me would not tell me anything more and then refused to assist and when I called 3 more times the supervisors hung up on me all three times. I believe they have something to do with my stolen funds and Im reaching out to the cob before contacting the NYS attorney general and my lawyer.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MN)

Sent money to XXXX, transferred said deposit to Huntington Bank checking acct. Huntington debited my acct. TWICE for the same amount and 1 week later finally put the deposit into my acct. They have yet to cancel the 2 debits from my acct. leaving me with no money to purchase my medications and have charged me for 2 overdraft fees. I have explained this to them four times to no avail. I have not had my medications for 5 days now and am going to go to the hospital. The two debits were NOT done by me. Sincerely, XXXX XXXX
Consumer complaint received 2023-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Dear Sir/Madam, My name is XXXX XXXX XXXX I am writing to address an alleged credit card debt collection associated with my name and account number mentioned above. I believe it's crucial to clarify the legality of this collection process. 

Credit card debts are not negotiable instruments and can not be sold or transferred as such. The sale of this debt as pursued by Portfolio Recovery Associates , LLC raises legal concerns about its validity. 

I kindly request that you provide sufficient documentary evidence demonstrating my legal obligation to pay this debt. If such evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I want to make it clear that I will not hesitate to initiate litigation for the actual damages caused. Furthermore, Portfolio Recovery Associates , LLC may be held liable for violations of the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Act ( CFPA ), the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, Federal Trade Commission Act ( FTC Act ), and the Racketeer Influenced and Corrupt Organizations ( RICO ) Act. 

I request the following information within 14 days : 1. A detailed breakdown of the alleged debt, including its origin and supporting documents.

2. Proof of the legal transfer of this debt and ownership for collection.

3. A copy of the agreement or contract related to this debt.

Failure to provide this information within the specified timeframe of 14 days will lead me to escalate the matter to regulatory authorities and seek legal counsel. 

Account Number : # XXXX & # XXXX Sincerely, XXXX XXXX