davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation (AL)

The company One Main Financial at XXXX XXXX XXXX XXXX, XXXX, AL has repeatedly called for a customer named XXXX. When I received the new number back on XX/XX/XXXX, I received my first called from them a few days after. I informed them that I am the new owner of the number, and that there is no XXXX at this number anymore. The lady who called claimed she will notate the account and remove the number. The calls have not stopped. At least once a week they call for XXXX. I have repeatedly told them that the number XXXX is no longer XXXX 's. In this month of XXXX they have called on the XXXX, XXXX, and XXXX. Its is XX/XX/XXXX as I write this. I keep telling them over and over that this is no longer XXXX 's number. They apparently refused to acknowledge that statement and keep calling me.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I filed a complaint against Citibank on XX/XX/XXXX regarding my billing dispute with them. On XX/XX/XXXX I am receiving 2 emails from Citi bank stating that they have attached response from the Merchant.  Guess what they attached same blank letter and sent to me. 

I think Citi bank takes their customers as XXXX or i dont understand why a bank is sending a same XXXX blank letter to its customer stating that there is attached a response from merchant basing on which they turned down my dispute. 

I was hoping that there should be some levels of professionality when they send a second email to their customer trying to resolve the issue but it was not the policy of Citibank. Here I am writing my response to Citibank stating that I still would like to dispute the charge with merchant and I have sent requested signed document via cfpb to the bank. Neither Citibank nor the merchant provided a valid proof that they provided any services to me and I want the case resolved in my favour ASAP.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Their my.equifax report is completely different than what their actual report shows. I tried to address that, and now I cant login. It says I have to call. Trying to use the lost password way says I have no account, and trying to sign up says I have an existing account. And on it goes in a circle. I call and they have no idea whats wrong. They said Ill get an email from tech support in ten days. This is unacceptable. They cant lock you out and just not know why.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA notified me via internal messaging that my account had a security issue on XX/XX/XXXX. 
I called that night and they told me that everything was fine and that if there were other issues th ey would send another message. That week issued checks for credit card payments, children 's t uition and my rent. On XX/XX/XXXX, I was informed by my landlord that my rent check bounced, my credit card companies told me that my direct pay was not honored and my church that again my donation check bounced. I was fined {$82.00} for all of this and when I called USAA I was bounce d around to several departments and after 75 minutes I was told that my account had been froze n but that I was never notified. They froze my account because they thought the money that I se nt to my wife was suspicious but never told me. I was told that a service representative would ca ll me on XX/XX/21 by XXXX and they never did. I was told that on Monday ( XX/XX/21 ) after again on t he phone for over 90 minutes that all was okay with my account only to find out that my bill pay had been suspended. I want to be reimbursed for the {$82.00} fines and a letter drafted and faxed to me ( XXXX ) that my accounts are NOT FROZEN as none of my credit card companies will allow direct payment without it.
Consumer complaint received 2018-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (CA)

I WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX   AND THEY TOLD ME I COULD PAY A SMALL FEE AND TRAVEL BUT I DIDNT NEED TO PAY THEM ANY MONEY NOW JUST GIVE THEM A CARD # TO KEEP ON FILE TO LOCK IN MY DEAL. IT SOUNDED GOOD SO I AGREED TO GIVE HER MY DEBIT CARD # TO LOCK IN MY PRICE FOR XXXX BUT SHE PROMISED NOT TO TAKE ANY MONEY OUT OF MY ACCOUNT UNTIL I DECIDED IF I WANTED TO TRAVEL AND DOD BUSINESS WITH THEM. HOWEVER SHE TOOK THE MONEY OUT OF MY ACCOUNT ON XX/XX/17 AND I NEVER AUTHORIZED THIS ... I CONTACTED MY BANK XXXX XXXX TO LET THEM KNOW I NEVER AUTHORIZED THIS AND THEY DID NOTHING TO HELP ME. SO I AM NOW REPORTING THIS TO YOU .... PLEASE HELP ME GET MY MONEY BACK. I AM A SENIOR CITIZEN AND THIS IS ABUSE .... I LIVE ON A FIXED INCOME AND I CANT AFFORD TO THROW MONEY AWAY TO A FRAUD SCAM COMPANY ... PLEASE HELP ME GET MY MONEY BACK
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I have an Amex offer " Spend {$60.00} or more, get {$20.00} back '' on XXXX XXXX. I placed an order onXX/XX/XXXX. The initial charger was {$60.00}, then I received a confirmation email titled " Great news! You just used your Amex Offer ''. The content is " Dear XXXX We appreciate you using your Amex Offer at XXXX XXXX. Look out for a {$20.00} statement credit, which will automatically be applied to your statement if your purchase meets the offer terms. '' There were some items in my order were cancelled without notice. I only know this cancellation after the shipment, when was XX/XX/XXXX So the charge was adjusted to {$46.00}. Now AMEX refused to give me this {$20.00} credit. The cancellation was out of control at my side.
Consumer complaint received 2018-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (AL)

This is in regards to open complaint # XXXX. 

XXXX XXXX has been calling my place of employment and releasing very sensitive/private information [ regarding wage garnishments ] to coworkers of mine when they should ONLY be speaking to my superiors [ i.e. HR manager, Payroll Department manager, etc. ]. 

I now have coworkers approaching me that are now fully aware of my wages being garnished and it is very embarrasing and quite frankly a breach of my privacy as a consumer. 

I am at risk of losing my job because of the careless actions/practices of XXXX XXXX and their affiliated 3rd parties [ i.e. Careless phone calls from XXXX to my employers office ; Process server whom recently left sensitive documents/information EXPOSED on the floor of my front porch without first placing it in an envelope. Made absolutely no efforts to see if anyone was home before leaving these documents on the ground ]. 

XXXX XXXX is literally ruining my life as I know it with their careless malpractices.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Credit Control (CA)

Continental Credit Control is illegally re-aging a debt to make it appear more recent that in it is. The original delinquency date was XX/XX/XXXX ( see attachment ). They are reporting the collection open date as XX/XX/XXXX and updating the date of last activity every month to make it appear more recent than it is. This is a clear violation of the FCRA and is illegal.
Consumer complaint received 2018-12-06
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. (CT)

XXXX, XXXX, TransUnion XXXX XXXX XXXX XX/XX/2016 XXXX $ - account closed in XX/XX/2016 for XXXX but it shows open not closed and it keeps showin late. 
XXXX XXXX ( fraud asked for signed documents plus proof its me. Never received any proof and its still on my credit
Consumer complaint received 2018-05-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

i sent money through moneygram to be sent to my brother in XXXX ( XXXX XXXX ) When my brother went to pick up the money the bank told him the pin is invalid. i called moneygram customer service for my refund and they don't want to refund me my money. i am disappointed with their service.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WIT
HOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-28
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc. (MS)

There was a fraudulent purchase made on my account with Seventh Avenue and when I became aware of of it thru an email alert, I called them the same day and told them I did not authorize or purchase the item for order # XXXX and to cancel the order before it ships the representative said they would catch the order before it shipped and that I would not be responsible for the fraudulent purchase on my account, I also ask the rep to close my account " AND '' ( the other accounts associated with the account number listed herein ), as there are other accounts that use that same account number listed herein which as of this morning it is still open as I was able to get into the account with the account number after I told the rep 7 days ago to close the account # XXXX. As of this morning it shows shipped yesterday XX/XX/year> and it was suppose to be cancelled as I did " not '' order a " XXXX XXXX XXXX XXXX XXXXXXXX. I filed a Identity Theft/fraudulent activity report as requested and faxed it to the business ( XXXX, ATTN : Credit Dept ), to no avail as of present date, XX/XX/year>, account still open and shows fraudulent order shipped yesterday by XXXX  ( See attachments ) ... XXXX.The account as of XX/XX/year> is still open and Consumers in America have " THE RIGHT '' to close an account if fraudulent activity has been reported, ( or they no longer wish to do business with the company ), which it has XX/XX/year>. If the account isn't closed within a reasonable time frame ( 14 days from time they receive this report ), I will file a cause of action in the appropriate court for relief. CC. XXXX XXXX XXXX XXXX Attorney at Law/ ESQ
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (TX)

I recently submitted a request for an investigation of the disputed accounts, which CREDIT BUREAUS claimed was verified. Since I believed they didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Experian, XXXX and XXXX records show that it was incorrect. Since their investigation was done improperly, I need CORRECTION of the following accounts from my file in line Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) of FCRA XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$14000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$4900.00}
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc. (PA)

For the past month, I have been receiving calls from a number identified as, " CMI Group. '' I have answered this call repeatedly and asked them to reference what it is about as they constantly call when working. They refuse to state their business, and repeatedly ask me personal and identifying questions, which I refuse to answer. I have repeatedly asked for a debt validation letter, as I receive no information about the purpose of this call. As soon as I ask, they hang up. If this would have just stopped there, I would rack it up as a misdial. Instead, they call 2-4 times a day, repeating the same process. Today was the last straw. They called around XXXX. I AGAIN told them a ) I'm working and b ) I would not now, nor ever, provide them with personal or identifying information. If they were legit, they could tell me WHY they were calling as they'd have the information they were asking for. Yet again, they promised not to call during business hours. That lasted less than 3 hours until they called yet again. This is harassment, plain and simple. As far as I'm aware, I owe them nothing and will hold that stance until they identify why they are calling. This hasn't happened in the approximately 100 calls I've had over the last month. Make it stop, please. This is disruptive to my business and personal life and an absurd amount of times to call when the company won't even answer questions about the supposed " debt. ''
Consumer complaint received 2022-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XXXX XX/XX/2022 I woke up to an email from PayPal stating that I can no longer do business with them and that they decided to permanently limit my account because my account was found to have a potential risk associated with it. The email I was sent has been given the following reference ID : Ref ID - XXXX and was sent on XXXX XX/XX/2022, XXXX. The email sender was XXXX. I have been an active user on PayPal for the last 8 months, having my account on permanent limit deeply cuts into every aspect of my life. The night before XXXX XX/XX/2022, I had attempted to withdraw an amount from my PayPal account I did not end up to complete the transaction. I am confused, would this be the reason why my account had to be put on permanent limit or what? I feel like I deserve a succinct clarification because I really do not understand this at all. I also realized that earlier on, PayPal had demanded that I was to confirm my identity, You've exceeded a regulatory limit on payments you can send in a year. To comply with regulations, we need to confirm your identity as the account owner. This will help you avoid account limitations. For some reason, I did not see the notification early enough ; just in case this was the reason I deserved a temporary limit until I confirmed my identity. I went ahead to confirm my identity and it was approved as of XXXX XXXX but still the account is on limitation. I've tried to contact PayPal about the same but the only response I got back was an automated message that didnt help to resolve my issue.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My problem consist in that the two credit operators equifax and XXXX, report data that is incorrect about me. This happens because I share the same name with my oldest son, I am tired of telling them by phone that this is not me, that they are reporting my son 's credit data, that my son 's birth date is XX/XX/XXXX and I was born on XX/XX/XXXX and we also have different social security number. But they tell me that in order to correct their mistake, I must send them all my personal documentation that confirms my identity ... and then I asked them : how is it possible that you report wrong information about me, but you tell me that you dont have my information? This is a contradiction and a paradox. I am not willing to give any private information to these credit agencies, I have no relationship with them and I will not correct anything that I have not created, those errors in my credit report are NOT attributable to me, they are the ones that have to be well documented before destroy my credit records and my reputation, all this has affected me in the request for an increase in my credit cards limits, in the cost of my insurance policy of my car and in my driving record also. They have damaged my public image and my credit reputation, having reported unverified and incorrect data about me.
Consumer complaint received 2018-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NE)

I had called into customer service in XX/XX/XXXX because my grace period was over and applied for the income based repayment plan. I was told that I should consolidate my loans together so that I would have better option of paying off. This customer service agent did NOT educate me on what that meant and had me consolidate. When I called in again to apply for public service loan forgiveness a different represantative told me that had I NOT consolidated that my loans could've been forgiven as I had worked in a qualifying employer since XXXX. I wasn't told that once I consolidated none of that was possible. I have called in numerous times since then and customer service agents all tell me something different. I am very frustrated and just want to know why I can't get my loans forgiven when I qualified for them, instead they want me to start all over from XX/XX/XXXX on.
Consumer complaint received 2018-05-09
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 (KS)

I made a purchase from a company back in XX/XX/XXXXand put it on our Discover card. The company 's name was XXXX. I purchased two supplements for my dog : XXXX XXXX and XXXX XXXX. My dog has taken these supplements in the past. The supplements purchased from XXXX made her sick twice within one hour of taking them. I immediately took her off of the supplements and notified my vet. I have filed complaints against XXXX with my state attorney general in Kansas, the Iowa Board of Pharmacy, and the FDA. I disputed the purchase with Discover around the beginning of XX/XX/XXXX. 
I am not returning the products because the FDA will need them for inspection when requested, specifically because XXXX did not purchase these supplements directly from XXXX XXXX. Instead, they purchased them through a third party. XXXX XXXX states because they were purchased through a third party that they can not guarantee the product is not tainted, counterfeit, or expired. I am including a copy of my reports for your records. Initially, XXXX tried to make me believe this product was purchased directly from XXXX XXXX when I inquired, but due to their vague answer, I continued to press. They then refused to say where they bought it from citing they can not disclose business relationships. 
Discover initially removed the charge from the credit card. The only formal notification they sent me was on XX/XX/XXXX. It stated they were removing the charge from my credit card but would reapply it if XXXX gave them supporting documentation of the validity of the charge within 60 days of the letter. As stated before, this charge was disputed around the first of XX/XX/XXXX, so clearly this letter should have been sent out earlier. 
A couple of days ago, Discover reapplied it recently without notifying me. I only found out about it when I logged into the account to make a payment on another purchase. Prior to filing the dispute with Discover, I repeatedly requested XXXX remove the charge from my credit card. I did this in writing by e-mail at least three times, and they never once responded to the request to remove the charge. In addition, Discover asked for no supporting documentation from myself to support my claim for the dispute. The way Discover has handled this dispute does not leave a good impression on me. This account has been open only a few months.
Consumer complaint received 2018-05-09
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: Penn Credit Corporation (OH)

I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX and Penn Credit Corp with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist bank has illegally processed a draft from my personal checking account at an external institution for the full statement balance. This draft was unauthorized and I called multiple truist representatives over several weeks prior to the payment date and was assured the draft would not occur. This unauthorized draft will result in an overdraft of my account at the external institution. Truist is liable for any damages or fees that have or may be incurred by their unauthorized activity. Truist has acted at best with incompetence and at worst to illegally defraud myself and my other financial institution. Immediate investigation and restitution is expected. Further, I've have several times attempted to redeem my cash rewards from this same personal truist credit card. The order has been canceled every time and truist representatives either could not offer an explanation, or suggested that I could not redeem the rewards into my savings or checking account because I was a former SunTrust customer. If true, this was never disclosed and again should be investigated to determine if Truist is actively defrauding customers like myself.