davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (DC)

I have a Chase Sapphire Reserve credit card, and booked a flight using reward points through Chase 's travel portal ( the flight was a flight from XXXX-XXXX, booked on XX/XX/2019 and scheduled to depart on XX/XX/2019 XXXX. 

On XX/XX/2019, I received a notification by email from Chase notifying me the XXXX-XXXX flight had been cancelled by the airline. On XX/XX/XXXX, I received an email from Chase notifying me my options were to accept a schedule change for a flight that left several hours earlier, or take a refund. 

I called Chase on XX/XX/XXXX to request a refund, and received a confirmation email that same day telling me that I would receive a refund for XXXX points to my account. The agent I spoke to on the phone told me to expect the points to be deposited back into my account within 2-3 days. This phone call took 14 minutes. 

On XX/XX/2019, I had not received the refund, so I placed a phone call to Chase that lasted for 29 minutes as I was transferred between departments. I was told that the refund was going to be processed manually, and to expect the points to be deposited into my accounts within 72 hours. 

On XX/XX/2019, I had not received the refund. I placed a phone call to Chase that lasted for 57 minutes. A supervisor from within the travel department told me she wasn't sure why the refund didn't go through, but that she was processing a refund, and to expect the points to be deposited into my account within 72 hours. 

As of XX/XX/2019, I have still not received the points refunded into my account. 

By not getting the points refunded, I am unable to make new travel plans, which is causing me considerable inconvenience. I have now spent 100 minutes of phone time and 19 days trying to get the refund for a flight that was cancelled by the airline.
Consumer complaint received 2019-05-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Prizm Financial Company, LLC (TN)

Every month I try to actively communicate with my Prizm Financial. Every month I am threaten with the automobile being reposed. I would love to continue communication with out the threats of repossession. I am 1 month behind I a received a threating email over the week that if I don't respond to the email by the of the day on Monday my car will go to the final stages of taking the car back. I have rights. I have a right not to be stressed monthly. I understand what I have signed up for. The last 2 years have been very hard however, when I can pay I will pay. I will communicate and do communicate but this form of harassment is very uncomfortable and I wish it would stop. I get emails from many, many, many people in the company and I would like to only communicate with one.
Consumer complaint received 2019-10-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings (CA)

SPEEDY CASH CASE NO XXXX AMOUNT XXXX RECEIVED EMAIL STATING THEY WILL TAKE ME TO COURT AND GARNISH MY WAGES FOR THE AMOUNT OF XXXX EXCLUDING ATTORNEY CHARGES. 

" THE XXXX LAW FIRM '' THEY KEEP CALLING ME AND I DON'T REMEMBER THIS DEBT AND I HAVE NEVER RECEIVED A WRITTEN NOTICE OF ANY KIND
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GB Collects, LLC (MI)

GB collections sent us a letter in regards to their client, XXXX XXXX XXXX. This is insurance paid through our payroll through XXXX. After I received this letter I contacted XXXX and they said I have nothing to worry about. I explained to GB what was going on but they did not listen. They have continued to call and send letters every three days. I did our due diligence and gathered all the information from XXXX and faxed it into the office of GB and they continue to still call and send letters. 

I called the morning of XX/XX/19 to after receiving a final demand threatening letter to find out why they were still contacting us. I explained that we had faxed into the office the documents XXXX old us to send into them. We are still paying for this service through our biweekly payroll. I tried to ask why the office was contacting me as we did their job and gathered their documents they were requesting. Before this office hung up on us and now is avoiding our phone calls they said our documents were incomplete. They never called or sent a letter to let us know the documents were incomplete. XXXX sells this insurance and told us we sent GB the correct information. 

As the FINAL DEMAND threatening letter was sent us today and we called within XXXX minutes to make sure this was resolved and now they are avoiding our phone calls. This is very unprofessional and this office should not have the license to collect debts if this is the office 's behavior. We have tried to address the issue and gathered the documents they needed to resolve this issues.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified erroneous accounts that are negatively impacting my credit score. I am asking for your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report. I need the following accounts removed from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}. I am requesting that you investigate the matter and take the necessary steps to remove the charge off accounts from my credit file. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law. I would greatly appreciate your assistance in resolving this matter as soon as possible.
Consumer complaint received 2023-04-06
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. (NM)

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX NEW MEXIC ) XXXX Balance XXXX {$740.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : NEW MEXICO XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-06
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. (FL)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX 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 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 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 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

Fay Servicing is charging me forced place homeowners insurance even though I have provided proof of insurance. They refuse to credit my account and now I have to pay over {$4000.00}. I am not able to make these payments. Can you please help me? The mortgage company did not have my correct mailing address on file and this was confirmed by the customer service rep I have been in contact with. I never received any letters requesting proof of insurance since they were mailing to the wrong address.
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CENTERSTATE BANK CORPORATION (FL)

I was a member of XXXX XXXX in XXXX fl and they converted to centerstate bank on a Thursday night mid month and they had some errors in converting over to their new system and my direct deposit did not go through as well my automatic bill payments didn't process. To try and remedy the situation the XXXX office set it up so that customers could acess money the atms couldn't connect with their actual balance it constantly read that their was XXXX dollars available even after you would withdrawal so no atm or debit machine could connect with your actual funds and purchases never reflected until weeks later resulting in customers overstating major amounts and the online banking app never fully catching up to the transactions over that weekend and following week. I never signed up for overdraft and always relied on my banking app to be reliable source to reflect my balance. As a result it Caued me major financial problems and XXXX dollars in dept on my checking account. I had never been negative or overdrawn in the two plus years as a member with XXXX XXXX and now Im having to rebound from centerstate banks mishap and poor judgement and timing
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (OR)

A checking account was opened in my name during XXXXXXXX XXXX XXXX in the state of Colorado at XXXX XXXX XXXX. I did not open this account and was done in person using a false ID. After opening this account this individual used the account and overdrafted into a negative balance. On Saturday XX/XX/2023 I received a notice in my XXXX report that indicated a new collections account regarding this fraudulent acccount gone defunct into a negative balance. The collections notice is for {$320.00}. I check my credit score frequently and was thrown back by this update in events. I have contacted XXXX, XXXX, XXXX XXXX XXXX, as well as the collections company ( Financial Assistance Inc. ) in charge of collections account. Financial Assistance Inc told me to open a dispute through the XXXX website to further this dispute and give the collections agency the authority and information to close and finalize removing the collections from my credit score.
Consumer complaint received 2023-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

The companies advertised online no credit check then the following day there are hard inquiries on my credit report. I am in the process of trying to get financing for a vehicle. These hard inquiries will have a negative impact on my scoring when I apply for the car. I am not really familiar with this process ( I have never leased or financed a vehicle before ). To lure people to their websites advertising we can help no effect to your credit and then its a hard pull ( not a soft ) is ridiculous. FYI : only the XXXX XXXX XXXX had my permission.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion on XX/XX/19 complaint # XXXX XXXX was filed for promotional and any other kind of offers as credit or/loans after I was OPT out back and updated back in XX/XX/XXXX. Transunion acts as I just started OPT OUT in past 2 years I update OPT OUT every 6 months. Transunion with holds who there selling the information to for profit. I OPT OUT Transunion has some very deceptive practices. I have also filed a complaint with the US Attorney office regarding the complaint On XX/XX/19 Transunion responded that I OPT out just recently in which is a lie. Stop selling and me getting credit offers threw companies I did not request or want.
Consumer complaint received 2023-04-06
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. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

I have had student loans with XXXX  XXXX XXXX somehow attached with Navient. Years back ( approx 15 years ) I went into default during a period of time that I lost my job and there was a mix up within the auto pay and application of deferred payments. At this time I was placed into default of my loan. Since that time until today I have been 100 % up to date with my loans but have tried with the company to have me removed, because of the negative impact to my credit score, from default. I have been up to date and current for well over a decade and they said it is completely out of their hands to remove me from default until 100 % of the loan is paid in full. On top of that last year ( XX/XX/2018) an additional approx {$5000.00} charge/loan was added to my defaulted loans that had nothing to do with interest charges and all attempts to find out where this came from have lead to receiving zero answers from the XXXX XXXX XXXX. I feel like I am being withheld information or given wrong information.
Consumer complaint received 2022-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TO WHOM IT MAY CONCERN : I am writing to delete the following 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 charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is still reporting on my Transunion and XXXX but not my XXXX.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX & XXXX Account number 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 instructions
Consumer complaint received 2019-04-02
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. (IL)

I live in Illinois. On XXXX, XXXX i called XXXX XXXX in XXXX Wy . to purchase a remote starter, for my brother, who lives in WY. XXXX, took my credit card info {$410.00}, and said my brother will need to make a appointment. XXXX charged my credit card, that day. My brothers appointment was at XXXX on XX/XX/XXXX. He arrived at XXXX, the owner was not there. My brother was told they did not have the remote starter, and could not get equipment, due to nonpayment to suppliers. Brother told the office girl, to refund the charge. Brother called me, and advised me of the situation. I immediately called my credit card company, CitiBank ( mastercard ) and disputed the charge of {$410.00}. I then called another business in XXXX, XXXX XXXX, phone number XXXX, and purchased the remote start from them for {$360.00}, which they installed that day. 
On XXXX XXXX, citi card send me a letter to sign, stating that i had not received merchandise or service. Which i did. and they received it XX/XX/XXXX. I also included a complaint number from the XXXX XXXX XXXX for a complaint i filed on XXXX. ID XXXX. 
i also filed a complaint with the XXXX Wy. Police Department XXXX, XXXX XXXX. My Case # D XXXX. Officer XXXX, advised me XXXX XXXX is under Criminal investigation for their business practices. XXXX XXXX is Closed for Business. 
My complaint is against MasterCard and CitiBank. I had sent everything they requested and more. Citi bank informed me that MasterCard investigator had reviewed the case and as of XX/XX/XXXX is complete, '' since they have not received a documentation regarding the merchant 's inability to provide the service. " I have called CitiCard s, requesting to speak to the investigator, i provided all info. that i was requested to. I have called Citi card and requested the investigation be reopened. I called MasterCard, trying to speak to someone about this. I have got no where. I gave CitiCard, my brothers phone number, the complaint number of XXXX, the name, case number, officer name in XXXX. MasterCard investigator is unwilling to review the FACTS.
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (SC)

Approximately {$13000.00} was removed from my coinbase account on XXXX XX/XX/XXXX by hackers whe seem to have accessed my telephone number through a coinbase breach. This was not authorized by me and I have been trying for hours and hours and hours over the last three days to file a complaint with the Coinbase fraud department... unsuccessfully .... I have no access to my account which is no longer critically important as agents have told mt that I now have a XXXX XXXX  balance. I need to be contacted by the fraud department and for them to care about this. Sadly they dont.
Consumer complaint received 2019-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

This account was placed for collection on XX/XX/17 by midland funding llc. I've never been in business with this company so therefore I don't owe them anything. this company as reported on my credit that I owe them money which is incorrect and have ask for verification and all they return was a letter stating that the account was verified. sending a letter stating account is verified is not in anyway verifying an account according to the FAIR XXXX