davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery llc told me i owed XXXX i told them that amount was not correct i asked for a copy of the orignal credit card statements showing what i owed i was then told if i didnt start a payment plan they would have no choice but to refer my case to the XXXX County DAs office in Texas and i would be charged with ( Theft of service ) and a warrant would be placed for my arrest! i refused to pay them i told them the broke fedral and state law they hung up on me and six weeks later i received a civil lawsuit
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I am so disappointed with the customer service that I have received from Citibank, the card issuer for Shell Fuel rewards card. I recently opened a Shell Fuel Rewards credit card. I did this so that I could use it on the Shell mobile pay app but it has been nothing but problematic and frustrating, to say the least.

My first issue was trying to get the mobile app to recognize the card. I called customer service and had to jump through rings in order to get help. I was told that they ( Citibank - Shell ) did not recognize my card. How can that be? I understand the need to properly identify your customer but after several attempts they could not even identify the actual card and or cardholder, me. Talk about fraud prevention, wow. Why even give out a credit card then. Should I submit my blood type and DNA? Will that help? 
Then after finally getting it loaded into the mobile app, I go to gas up and guess what, I get an error message that I need to contact Citibank. And the process starts all over again. 
I called the other day on XX/XX/19, two times in fact, and was told that I cant be properly identified and that someone will call me back. This is unbelievable. All because I signed up for a card in the hopes of being able to use on the Shell mobile app, in the hope of reducing fraud so that I do not have to swipe my card at the pump. Again, I call and after giving my card number 2 or 3 times, they cant locate me or the card. Then after holding for a few minutes, I am told, sorry but we can not verify you. Again, wow. 
So now I have card that I can not use and they have not contacted me. I attempted to swipe it at the gas pump the other and was told it is declined. Citibank ran my credit and issued me the card and I registered the card online as instructed. So as a consumer/customer, what do I do now.
Consumer complaint received 2019-11-03
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BQ & Associates, P.C., L.L.O. (MO)

BQ & Associates, P.C., LLO called me repeatedly regarding debt owed to them. Throughout the process there were several reps who would be disrespectful, aggressive and use bullying antics as a means to collect on debt. For example, being told if I did not come up with a lump some payment and refusing to take my payment arrangements. A rep from the company, XXXX ext. XXXX, during a call was cutting me off as I spoke and threatening me that I could not ask questions regarding the settlement that was agreed upon or get the agreement in writing. I was told that I was not in a position to ask questions or negotiate anything. If I asked about payments he would cut me off and sigh. As I continued to ask questions he used condescending tone and made statements that caused me to have a break down on the call which included me sobbing, yelling and asking him to stop. I was treated like trash. My concerns were reported to his supervisor, XXXX, who indicated he would look into the call. However, XXXX continues to contact me after I indicated that I did not want him contacting me. Because my aim was to resolve the debt, but through another rep I asked to speak with a manager or an attorney and was not allowed to do so. I called repeatedly and then an operator finally patched me in to XXXX who took my concern, but never reached back out to me. Instead, XXXX called me again. This is not the first time that I have had concerns with the reps who contacted me. I have saved voice mails from them as well as dates when I have asked them to discontinue contacting me and to use mail as correspondence.
Consumer complaint received 2019-11-03
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. (VA)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-09-26
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX is reporting a collection of {$650.00} from XXXX XXXXXXXX at XXXX. This is a XXXX bill and it has been paid in full. I have disputed with all XXXX bureaus a couple of times and supplied the proof of payment. It has not been removed from my credit report. When I call XXXX I am transferred to a very rude man ( I forgot his name ) that provides no information and doesn't seem knowledgeable. The original creditor has told me a few times that it should be removed.
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (PA)

YOU VIOLATED THE LAW!!! 

As a reporting agency that assume the role of assembling and reporting information on me, the FCRA requires that it is done so in a manner that is fair and equitable to me. I did not grant any permissible purpose to obtain any information of me and report it. A consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report ; any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; You are reporting information on my consumer report that is to be excluded from a consumer report as well as reporting information about me without permissible purpose and reporting information that is not fair and equitable to the consumer ( me ). Furthermore, YOU ARE REPORTING INFORMATION THAT IS INACCURATE WITH THE CORRESPONDENCE I RECEIVED FROM XXXX XXXX YOU ARE REPORTING AN AMOUNT THAT IS NOT EXACTLY THE SAME AS THE AMOUNT THAT XXXX XXXX XXXX STATED. BY LAW YOU SHALL REPORT INFORMATION OF MAXIMUM ACCURACY! 

Attached with this complaint the is the correspondence I received from XXXX XXXX XXXX and return receipt ( s ) as confirmation that you received my correspondence.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MI)

PNC Bank, my mother passed away on XX/XX/2023. It is a checking account for which I am a joint owner. I took the death certificate into PNC as they requested. 
I have contacted them several times, put on hold, transferred ... .. with no results.
Consumer complaint received 2022-09-26
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. (NY)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As of todays date, XXXX / TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of I believe it was reporting in error. XXXXL XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Consumer complaint received 2022-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Western-Shamrock Corporation (OK)

Western finance recently started charging a fee for paying by debit card. The other companies dont do that. Also I have made contact and tried to work it out the guy was very rude and wouldnt let me speak. I told them I would be in when they dropped the charge to use the debit card. He called my references without even calling my number. After I already had spoken to him. I called this morning first thing and he wouldnt let me speak. I told him I work on the road and they never charged a fee before. Then again he called multiple references without even calling my number back to get ahold of me. Why the XXXX call references when I just spoke to you. And not even call my number back.
Consumer complaint received 2019-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I went to the mall XX/XX/XXXX when I lost my wallet. I got alerted to the fact it was missing when Capital One messaged me about a charge for over 600 dollars trying to be made with my card. I went right to mall security and actually managed to talk to a cop that tried to help us with it. The thief had used several of my cards at a bunch of different stores. 

A little bit later after I was done with the cop I called Capital One and they told me I would not be responsible for any of the fraud. They canceled the card and refunded the payments. 

Early last month the payments came back. 

There were two different charges to XXXX for {$210.00} and {$400.00}, and three different charges to XXXX XXXX XXXX, {$230.00}, {$160.00}, and {$150.00}. 

This time when I called they said since the chip was used there was nothing they could do. I did not make these purchases. I have never shopped at these stores. According to their " {$0.00} fraud liability '' they shouldn't make me pay for it.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I am, XXXX XXXX is the co-owner of this account # XXXX along with her my grandson, XXXX XXXX XXXX. This is a XXXX XXXX account that was created for him to learn about personal finance. He is in an out of town XXXX XXXX and he rarely accessed his account. In XXXX of this year we noticed significant and frequent withdrawals from his account in the total amount around {$1100.00}. None of this belongs to him. When we contacted Chase about the fraudulent activity on the account, they opened a claim and on XX/XX/2022 refunded all of the money stolen. However on XX/XX/2022 they deducted & XXXX that they had previously refunded. When we contacted their Customer Service about this deduction, they claimed we contacted them more then 60 days after the fraud activity.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized.
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (SC)

accordance wit the fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights tO privacy and confidentiality under 15 USC 1681 Account Number XXXX Name XXXX XXXX XXXX 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 _astrucions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information An other adverse item of information, other than records of convictions of crimes wnich antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date Opened XX/XX/2020 Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$290.00} Original Amount {$290.00} Original Creditor Past Due XXXX XXXX XXXX XXXX ) {$290.00}
Consumer complaint received 2022-07-07
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. (NJ)

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 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 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAS HINDER MY REPORT AND I WOULD LIKE THIS OFF MY FILE.
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (NJ)

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 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 2019-08-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (KY)

I never received an initial bill, and it was sent to collections for {$18.00}. Absolutely ridiculous. I also never received any phone calls or voicemails to ensure I received my bill before it was sent to collections. For such a low amount one would believe the company would call to ensure I got it.
Consumer complaint received 2019-11-03
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: AMERICAN EXPRESS COMPANY (TN)

American Express allowed a unidentified individual to open a credit card account up in my name Im just now seeing the results from this because I recently reviewed my credit score and it appeared out of nowhere and its very unfair to me as a young consumer and American whos making his ends meet the legal way I wont this account removed from my credit ASAP and the account was opened XX/XX/XXXX and closed XX/XX/XXXX the amount is XXXX from a account I never opened and never applied for my identity was compromised
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Prosper Marketplace, Inc. (MD)

On XX/XX/2023 I paid my prosper card statmentment balance of {$840.00} and it was paid by my bank on the XXXX. Prosper card generated a stastement reflecting that they received the payment which was in fact a {$55.00} overpayment on XX/XX/2023, yet they are attempting to charge me {$19.00} as a merchandise finance fee even though I have not used the card. Last month Prosper indicated that they were reducing my credit limit because of several delinquent accounts, even though none of the credit bureaus reflect this incorrect information.
Consumer complaint received 2022-03-22
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. (OH)

I tried to communicate with the company twice and they have ignored my request. I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2024-04-05
Product: Credit 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 (TX)

On XX/XX/XXXX my credit card was physically stolen by an individual and was used in multiple purchases that were not approved by myself. purchases were made in in the following transactions 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 I reported the above fraudulent transactions under code for unauthorized use / stolen credit card to Discover in XX/XX/XXXX. Discover Services noted that they would look into it and to call back when a Police Report was filed. I filed a Police Report with both XXXX Police Department ( XXXX ) and XXXX Police Department ( XXXX ) as well as with the FBI IC3 ( XXXX ) and reported the police report numbers to Discover Services as well as the information provided by the respective detectives involved in XXXX XXXX. At no point did Discover Services investigate the complaint properly, contact any of the respective police department or make any additional efforts to contact me other than ( 1 ) call to clarify information. They made zero effort to properly investigate the fraudulent purchases and noted that they had closed the complaint in the favor of the merchants involved with no further requests for any copy of information to include police reports as to support a claim of fraud or theft. The other credit card agencies involved DID contact the police departments involved and confirmed a racketeering/international scam being committed by the individuals involved and refunded me for other fraudulent purchases. Discover Services was the only provider who did the absolute minimal amount of work- had no contact for over 60 days and only once they reached the last 30 days of their timeline, hastily closed the investigation with no effort on their part to investigate the claim made between XXXX and XX/XX/XXXX.
Consumer complaint received 2019-11-03
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. (MI)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SECURITY FINANCE CORP (SC)

I obtained a personal loan from security finance in XX/XX/2018 with all intent to pay. I paid on my account twice and contacted them to let them know I lost my then job. The guy had an attitude so I decided not to go back. He then did 11 hard inquiries on my credit. I contacted him to let him know that his actions was illegal and it needs to stop.he stated that he didnt know a better way to reach me. He didnt call me once before I contacted him. He has since charged the account off and left a derogatory remark on my report