davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION FAILED TO PROPERLY VERIFY 100 % ACCURACY OF COLLECTIONS. UNVERIFIED ALLEGED ACCOUNTS PLACED IN CREDIT FILE. 

ACCOUNT # XXXX XXXX  {$1000.00} COLLECTION ACCOUNT # XXXX XXXX XXXX {$130.00} COLLECTION
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (GA)

This complaint is about the XXXX credit card. They use SYNCHRONY BANK. 

I filed a dispute on a charge of {$730.00} on XX/XX/2021. On XX/XX/2021 I received the attached letter stating that the credit for that amount was applied to my account. As of XX/XX/2021 I still have not received the credit. I have called more than 5 times and no one can tell me why I haven't received the credit. I've been lied to multiple times saying that it'll just be a few more days. It is obvious that they have no idea what's going on. They even admitted to me that I was not the only one experiencing this issue. I'm only filing this complaint as a last ditch effort. I was willing to wait if I needed to for the credit, but I'm tired of being lied to.
Consumer complaint received 2018-12-22
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: NCC Business Services, Inc. (FL)

I have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX  and XXXX  and explained transunion removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX  and XXXX  if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you
Consumer complaint received 2018-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

Collections agency Diversified Consultants , Inc. continues to pursue me for a debt of {$100.00}, including collections fees, on behalf of creditor XXXX XXXX for cellular telephone service. 

I have repeatedly notified Diversified Consultants, Inc. and XXXX XXXX that this debt is not valid. 

No cellular telephone service was provided and no mobile/cellular device was connected to the cellular exchange provisioned by XXXX XXXX during the period for which XXXX is attempting to bill/collect. 

Furthermore, I was not in any type of long term contract with XXXX XXXX that would have obligated me to pay even if no service was provided or to pay an early termination fee. 

The attached bill from XXXX XXXX clearly demonstrates that no service was provided. 

In 2015, I lost my cellular telephone and reported this immediately to XXXX XXXX. No other party ever used the lost telephone. 

XXXX XXXX refused to provide me with another cellular telephone unless I paid an an exorbitant amount up front and then proceeded lock me out of my cellular telephone account with an erroneous " fraud alert. '' When I complained to XXXX XXXX Executive Relations about this matter, XXXX XXXX proceeded to " suspend '' my account on XX/XX/2015 and then reactivate my account on XX/XX/2015. 

XXXX XXXX is attempting to collect on a bill for a service that was never provided. My repeated complaints to XXXX XXXX Executive Relations have not resulted in XXXX XXXX making any good faith effort to resolve this matter. 

Negative comments regarding this debt have been made to consumer reporting agencies. These negative comments appear on my reports with XXXX, XXXX, XXXX and the XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (PA)

EOS CCA sent me a letter stating that I owe {$640.00} for a XXXX bill the first week of XXXX. On XX/XX/2018, EOS CCA received my letter asking them not to contact me again. The letter was sent USPS certified mail. They called me 17 times in 2 minutes on XX/XX/2018 times in 2 minutes on XX/XX/XXXX, and again 18 times within 2 minutes on XX/XX/XXXX. They have also tried to contact me with single phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2020-09-23
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

In XXXX of XXXX, I purchased an online subscription to XXXX  XXXX XXXX. At the time of my purchase, I told them that I would only purchase if they did not do auto renew. 

They sent me online magazine subscriptions, until XXXX of XXXX when I unsubscribed as nothing they sent to me was worth while. 
In XXXX of XXXX, when I received my Credit Card Statement from Capital one, I saw a charge for XXXX. 
I called Capital One, and they reversed the charges, then they called XXXX XXXX, and XXXX XXXX said that I agreed to another year which is a total lie. 
Capital One did nothing to protect me and re added the charges to my bill. I have put a " Stop all Charges '' on my Cap One Credit Card to protect myself. I won't even charge anything. I put a review on XXXX as well as a complaint to the Dept of Consumer Protection. All Capital one did, was give me your information. I am a XXXX Year old XXXX XXXX XXXX, working to put my grandaughter through college. I am so angry with Capital One.
Consumer complaint received 2021-07-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

Pentagon Federal Credit Union has failed to pay my homeowners insurance and my insurance coverage was canceled. 

I called Pentagon Federal Credit Union on XX/XX/2021 at XXXX and spoke to XXXX XXXX He said he submitted a " research '' on this but I never heard back about any results. I called back that same day at XXXX and spoke to XXXX who transferred me to XXXX XXXX XXXX She confirmed that XXXX sent the insurance payment to the wrong address. XXXX said that Pentagon Federal would pay the insurance bill and would be reimbursed by XXXX XXXX. 

XX/XX/2021 I received a cancellation notice from my homeowners insurance company, XXXX, because Pentagon Federal still didn't pay them. I called into XXXX to reinstate the insurance and paid the {$1100.00} bill myself. 

XX/XX/2021 at XXXX I called into Pentagon Federal Credit Union and notified them that the insurance bill had not been paid and my insurance had been canceled. I also notified them that they have the date for my property taxes wrong and that payment will be a month late as well. I told them I paid the insurance bill and expect reimbursement. 

The property tax bill is due XX/XX/2021 - in approximately 2 weeks and they don't have it scheduled to be paid until XX/XX/2021. 

I called in again at XXXX and spoke to XXXX XXXX She said no supervisor is available and that I should be getting a call back within 24 hours.
Consumer complaint received 2020-09-23
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: BARCLAYS BANK DELAWARE (NC)

My credit card company has closed my merchant non-performance dispute as they explain that too much time has elapse to collect from the merchant. Our purchase was for a XXXX XXXX membership that included " points '' awarded yearly to purchase travel related products such as airline tickets and timeshare stays. We purchased the {$19000.00} 25 years contract using 4 credit cards transactions. Three transactions with Barclays and one with XXXX. I will attach recent correspondence with Barclays that will detail the history starting with Barclays rejection of two f the dispute. One dispute was refunded after the Barclays investigation but the other two were not due to their agents failure to properly process the complaint that was filed by phone. The three transactions were disputed at the same time but the agent used a single case number which caused the other two to be dropped or ignored. The fourth dispute filed with  XXXX was refunded after their investigation. Again these details are in the attachment along with copies of the letters and evidence that my letters were faxed and expressed mailed to Barclays. I have tried to reach out to Barclays, twice, to avoid escalating resolution to a third party but they have not responded to my disappointment.
Consumer complaint received 2023-04-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (LA)

I have a washer and dryer through Conn 's home plus. I am trying to find out if it is legal for them to continue to call me 8 times a day. I am not even one month behind. I am behind on my payment but not even a month behind. I talked to someone yesterday XX/XX/2023 at Conn 's and told them I will make a payment. This coming Friday XX/XX/2023. The man proceeded to tell me I owed two months. I asked how much my payment was a month and when it was due. He told me it was due on the XXXX of the month, and it was XXXX $ I said Well then how come I owe two months if I am only behind on it for XXXX and the payment for XXXX is not even due yet, but I owe it? He told me I didn't need to pay XXXX, but I have to pay XXXX. Thats when I set up the arrangement to pay it. They still feel the need to call me 8 times a day from different phone numbers. All because I wont give them permission to take the money out of my bank account. If they do not get there money on the XXXX, they are calling my husband and I 8 times a day starting the XXXX. and by husband and I mean they call his phone then call my phone. and His name isnt even on the loan for the washer and dryer. Please help with this. I have even asked about how to turn the washer and dryer back over to them. They told me I had to go to the store to even see if they will take it back.they called me 6 times on XX/XX/2023, 8 times on XX/XX/2023, 8 times on XX/XX/2023 and 8 times on XX/XX/2023. XXXX just lost and tired. please help if possible.
Consumer complaint received 2022-07-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (OH)

CREDIT ACCEPTANCE provided a misleading contract, including advertising. It was without knowledge to transfer actual cash value from me, the alleged borrower, to the bank and return it to the alleged borrower as a loan. The banks intent was to receive cash value and return cash value as a loan. They also include interest charges on the transaction all funded by my signature. It was not my intent to fund my own bank loan. This was misleading and is a breach of contract. 


The account number is XXXX The finance charge is {$9900.00}
Consumer complaint received 2019-01-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EXCEL FINANCE COMPANY (LA)

The end of XX/XX/XXXX not sure of exact date the manager of Excel finance in XXXX XXXX Louisiana called my job every five minutes harassing me about payment.my manager got mad and told me the personal calls needed to stop.one hour later I'm working and the manager of Excel came into my job and began to talk about my account in front of everyone walking around customers and other employees.she began to tell me if I didn't pay her today she would have to go forth with suit and if I was embarrassed by her showing up on my job just wait until the XXXX 's serve me on my job.i was so humiliated and embarrassed people were looking at me and hearing all of my business my manager later came to me after she left and told me had he not felt so bad about my situation I would have been fired because my personal business should not be conflicting with my job.she almost cost me my job.they are still calling me on my job after repeated requests to not call anymore.i do not want to be contacted by them anymore.they have harassed me and violated my rights.i called the corporate office to report the issue and the lady said she would send the information to the supervisor and I asked will I get a call back and she said for what.what are you trying to achieve. I said my rights were violated do you not understand the severity of this your company violated my rights and you can be sued so no one 's going to call me back to deal with this issue or talk to me about this issue she began to say for what I told her okay well I'm going to go ahead and file my complaint she said it's your right do what you need to do I will give you the number and everything you need to file your complaint.
Consumer complaint received 2024-06-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klima, Peters & Daly, P.A. (VA)

I am filing a complaint against XXXX XXXX XXXX XXXX for their failure to provide proper validation of an alleged debt and for attempting to collect a debt beyond the statute of limitations. Despite my repeated requests, XXXX XXXX XXXX XXXX has not provided adequate documentation to substantiate the debt, including the original contract and proof of ownership. They also incorrectly claim that I made a payment on XX/XX/XXXX, which I categorically deny. 

Additionally, the debt in question originated on XX/XX/XXXX, and under Texas law, the statute of limitations for debt collection is XXXX years. As of XX/XX/XXXX, more than XXXX years have passed, making this debt time-barred. 

I request that XXXXXXXX XXXX XXXXXXXX XXXX cease all collection activities and correct any misinformation on my credit report. I also request that regulatory authorities investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX for their unfair and deceptive practices.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, Several months ago, I checked my credit to find that XXXX and Experian ( henceforth known as defendants ) : were reporting inaccurate information on my credit report, which puts them in violation of federal law FCRA 609. 611 and 15 U, S, C, 1692-1692p I'm requesting the CFPB office to investigate this matter to bring charges against the defendants for there violations of the Law based on the following facts : On XX/XX/2022 I sent a notarized, certified letter with a return receipt ) to defendants requesting to verify the incorrect information that is being reported by doing the following according to FCRA 609 : I. send me the copy of the originals contracts bearing my signature for each account listed ( see letter One ) 2.send me any and all other information or evidence you have on files pertaining to the accounts listed ( see letter one in attachments ) 3. Name, address. phone number and mailing address for each person involved in this investigation, The defendants had 30 day to provide this information by law On XX/XX/2022 I sent my second letter asking for the same information certified with return receipt ( see second letter attached ) defendants had 15 days to respond and provide me with my requested information by law On XXXX I sent my third letter certified with return receipt to defendants ( see attachment ) as of this letter defendants have failed to comply with the law In conclusion the defendants must provide me with everything i requested above or at least an explanation as to why they can not send or show you the evidence, As a result of defendant 's inaccurate reporting, I have been denied credit opportunities Relief sought : that defendants remove all information that they have not sent me the information i requested and all other inaccurate reported accounts and that that the attorney General office file charges on defendants for them being in violation of the FCRA XXXX 

If you need the return receipts I will send them upon request Thanking you in advance XXXX XXXX XXXX
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I was advised you guys can help me with a bankruptcy thats on my experian credit. I dont know where that came from because I have never filed bankruptcy and never had a need to. Can someone please help me with this.
Consumer complaint received 2019-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

I originally applied for the Chase Sapphire Reserve ( CSR ) in XXXX of XXXX. I tried applying Military Lending Act ( MLA ) fee waiver after I applied. It was denied since Chase did follow MLA at the time. I paid for the annual fee for the first time. In XX/XX/XXXX, Chase approved a new policy stating that all new account holders would get MLA applied. I tried getting it applied but since my account was too old, I did not get it. I was told to close my account and retry in XX/XX/XXXX when I could apply for a new account and get the benefit applied ( I also paid for the second annual fee ). In XX/XX/XXXX, I product shifted my old account and applied for a new account. It was denied since Chase changed the rules. Now I have to wait for 4 years to get a new account. I talked with the military chase representatives and application representatives, but they said they could not do anything. So I switched my account back since that was all they could do for me. So I had to pay a XXXX annual fee for the 3rd time since they keep changing the rules. I feel like they are changing them to avoid waiving my fee. With MLA, I should not have been charged the annual fee for the second and third time. This totals XXXX dollars and I will probably have to pay the fee again in XXXX for the fourth time ( XXXX per year ).
Consumer complaint received 2021-07-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Spring Equity LLC (OR)

On XX/XX/XXXX, my wife and I closed on a HELOC offered through Spring EQ. While there were a few service hiccups during the course of closing and booking the line, the substance of my complaint relate to my understanding of terms and conditions, as well as process, related to that booking, and an outcome with the servicer that now leaves me feeling deceived. 

Spring EQ required that I advance 75 % of the line in order to book it and establishing servicing. I was told that, in order to avoid unwanted interest, I would be able to pay off the amount advanced within several days of the line being booked. However, this proved impossible as Spring EQ was not able to take payment for a loan they had transferred servicing on, and I did not know who my new servicer was or receive a communication from them until XX/XX/XXXX, at which point I received a letter that had been date XX/XX/XXXX. 

Since setting up servicing with XXXX XXXX XXXX  ( XXXX  ), I have learned : -My line was sent to XXXX  in a frozen status and I will not be able to access it for 90 days. This was not disclosed to me verbally during the application, booking, or closing process. 
-I only learned my line had been booked in a frozen status AFTER it was reported ( inaccurately XXXX as closed to the CRAs. In calling to follow up on that TODAY XXXX XX/XX/XXXX XXXX, I learned the line was frozen. 
-I am not able to easily pay off the advanced balance as advertised as XXXX  has no mechanism for accepting payments over the phone or online greater than {$25000.00}. My available options are to pay a portion each day until the balance is brought to zero, or to send a wire ( would incur cost on my part ) or to send mail ( would add time to the amount that my line is open, thus resulting in additional interest ). This was not the straightforward and easily executed process I was told would be available to help avoid paying unwanted interest. 

All in all, I feel strongly that a failure to be transparent on the part of Spring EQ, as well as a failure to ensure they transfer servicing to a third party who can be relied on to deliver on their commitments, has left me paying more in interest than I in principal agreed to, with incorrectly reported information on my credit bureau, and that has required a substantial investment of follow up time on my part to get basic information about the status and servicing of my equity line.
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK (NC)

On XX/XX/XXXX, I opened a new checking account with XXXX XXXX, and entered the promotional code XXXX when submitting the application, in order to receive {$200.00} bonus as advertised ( the ad will be attached below ). 

The requirements to receive the {$200.00} bonus are, as quoted, " You must have an opening deposit of at least {$300.00}, and at least one direct deposit must post to your account within 60 days of account opening. Opening deposit can not be transferred from existing XXXX XXXX accounts. If you meet the stated requirements of this promotional offer, the {$200.00} bonus will be credited to your account within 6 weeks of the first direct deposit ''. 

When opening this new account, I did make an initial deposit of {$300.00} from a non- XXXX XXXX source ; and starting XX/XX/XXXX, I have {$100.00} of my paycheck directly deposited into this account on a biweekly basis. I believe I have met all the requirements, but as of XX/XX/XXXX, which is over 6 weeks after my first direct deposit, I still did not see the bonus credit posted. 

So I sent the bank a message for inquiry, and received their reply on XX/XX/XXXX. They denied that I have had a valid promotional code entered upon creation of the account. This is unacceptable so I decide to file this complaint.
Consumer complaint received 2023-03-28
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. (TX)

This is the several time 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. 
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