davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (OH)

Discover has charged me, multiple times, for the same purchases. I have paid for these purchases, but they continue to charge me for them. Also, I disputed a charge, based on the quality of the purchase not being as guaranteed. They denied my dispute. I have since closed my account, but they continue to charge interest on the account.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following Collections listed below were placed on my credit report without any written communication or documentation proving that I owe the debt described, I have requested that these collections produce the necessary documents to me. Otherwise Delete them from my Credit Report Immediately. 
XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) NCA - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) CCI - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXXXXXX XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX, XXXX AND XXXX- This Debt Buyer isn't even Active nor does it hold the note to collect anymore and must be Deleted from my Credit Report Immediately. 
SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC )
Consumer complaint received 2022-02-22
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. (CA)

On XX/XX/2022 I applied for the XXXX XXXX Bank credit builder credit card. Account was approved and then closed the same day. They have now reported this account to my credit bureau reports as a closed account and that it was closed at the credit grantors request. The account should have never been reported to the bureaus as it was closed the same day it was opened. In addition to that, it caused my credit score to drop as a result because it shows an account opened then closed. I asked them to remove it and all they could tell me was to have the credit bureaus remove it.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I applied for the XXXX XXXX Bank credit builder credit card. Account was approved and then closed the same day. They have now reported this account to my credit bureau reports as a closed account and that it was closed at the credit grantors request. The account should have never been reported to the bureaus as it was closed the same day it was opened. In addition to that, it caused my credit score to drop as a result because it shows an account opened then closed. I asked them to remove it and all they could tell me was to have the credit bureaus remove it.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

XXXX XXXX charged {$59.00} and sent to debt collection Amsher for not returning the modem equipment. I returned the equipment and I have a receipt to prove it. 
I am complaining and asking compensation from XXXX XXXX for damaging my credit. 
My phone number is XXXX Service address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

After numerous attempts to rectify this fraudulent situation, Chex System, simply ignored and never tended to my matter. Every time ( 4 times ) I have written and mailed in my discrepancy, I was denied information because I didn't have a PIN number, which was never given to me. I have had this fraudulent report on my account for months without any help or investigation for months. THEY HAVE BEEN IRRESPONSIBLE AND NEGLIGENT WHEN HANDLING MY CASE. i have submitted all documentation and proof that this is fraud ( police reports, affidavits, etc ) but to no avail. The police even have a suspect and this still want enough for Chex Systems. This is disheartening.
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (MD)

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Equifax and discovered multiple unauthorized inquiries that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXXXXXX XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; XXXX  XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; and XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an COMPETENT LEGAL BINDING verifiable AND PROVIDE THE NAME OF EACH PERSON YOU SPOKE TO PROVIDE THE DATES TIME OR ANYTHING PERTAINING TO THIS MULTIPLE UNAUTHORIZED INQUIRERS into XXXX XXXX to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report effective immediately and provide and updated report to my only mailing address that should be listed as XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, Delete any other addresses listed that should not be on my report effectively immediatley. But if XXXX XXXX BANK XXXX ; XXXX XXXXXXXX XXXX ; XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX, is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted e-oscar verification or any automatic verification is not warranted. 

Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO. (FL)

I a resident of Florida and has been a Chase credit card member since XX/XX/XXXX. I opened a Chase credit card account in or about XX/XX/XXXX. I made regular purchases of cryptos on XXXX using his Chase-issued credit card beginning in early XX/XX/XXXX. Up until and including XX/XX/XXXX, Chase treated all of my purchases on XXXX  as ordinary credit card Purchases under his cardholder agreement.

When I made additional crypto purchases from XXXX, using the same Chase credit card, on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, Chase suddenly treated all of these purchases as Cash Advances, and assessed at least {$90.00} in cash advance fees and over {$160.00} in cash advance interest charges ( as of XX/XX/XXXX ). Despite calling Chases customer service line to complain about the surprise charges on his account, Chase declined to remove them. I was forced to pay and did pay these surprise cash advance charges in full.

At no point did Chase attempt to notify me neither before nor immediately after I executed my latest crypto purchases that such purchases would be treated as Cash Advances rather than Purchases under his card member agreement.

Had I known that Chase was going to begin treating my customary Purchases as Cash Advances, then I would not have used my Chase credit card to buy cryptos on or after XX/XX/XXXX, and would not have incurred or been forced to pay the cash advance fees and interest charges that Chase levied against me.

Chase Bank USA, N.A. is domiciled in New York and is one of the largest national banks and credit card issuers in the United States. In late XX/XX/XXXX, Chase abruptly altered its customers credit card terms without notice such that any crypto purchases made by card members would be treated as Cash Advances rather than Purchases.

Due to my 0 % Transfers I made and 0 % APR on Purchases, this XXXX Transactions and Cash Advance Interest can not be paid in full till the other Balance is fully paid.

The Truth in Lending Act, at 15 U.S.C. 1637 ( i ) ( 2 ), requires credit card issuers to provide a written notice of any significant change, as determined by rule of the [ U.S. Consumer Financial Protection ] Bureau, in the terms... of the cardholder agreement between the creditor and obligor, not later than 45 days prior to effective date of the change.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

XXXX at XXXX XXXX an unauthorized charge of {$270.00} to my debit card account of Citi Bank from the XXXX XXXX XXXX located in XXXX XXXX, XXXX. location. 
Citi Bank never resolved this issue refunding me the money my Bank Citi Group, rejected the dispute and I never received the documentation or information related to the disputed amount that they used in the investigation.
Consumer complaint received 2018-08-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX NAVIENT Acc # XXXX I have not time to be on the phone all the times answering collector questions, or reading every-day collector letters. I paid once, half of my student loan debt before gets unemployed years ago. Recently I paid, completely, an Amount Agreement after my 2016 Annual Tax Benefits gets freezed-and-collected by Collector Company.  ONCE AGAIN : I paid recently in full {$53.00} in 9 months : {$470.00} total amount, and that Collector Company Sold my debt to NAVIENT!!! Do I have to understand that my debt can be share-sale from one Collector to other Collectors FOR EVER?
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NV)

I enrolled in a Debt settlement Program Called XXXX XXXX XXXX located in XXXX California and they Transfer all the Obligation to Global Client Solution LLC located in Oklahoma the Global Client solution are the one who process the payments and charges fee. the Global Client solution has contracted the XXXX XXXX XXXX to settle the debt. but they failed to settle 8 Credit card they only settle 4 of it. out of 36 months contract which I paid {$350.00} monthly started to be withdrawn from my bank since XXXX XXXX, I completed the payment of 36 months which I fulfilled the obligation on XXXX XXXX because of their upfront fees and excessive fee my funds was shorted so they can't settle my 4 other debts I paid a total amount of {$12000.00} which came from my husband 's XXXX payment from His Military service now they want me to continue to pay so they can settle the 4 other debt which is out of the agreed contract they took almost {$6000.00} just a fee now I don't know what to do I don't have Job to pay them which they demand an extension they are the one who failed to settle the debt in timely manner my job is to fulfill a contract to pay them I can't give them any more money out of my pocket so they can settle the rest of my debt.
Consumer complaint received 2018-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (CA)

I wanted to send money to my mom and the WesternUnion app has an option that if someone completed the process in the app, it will charge them {$5.00} but despite I completed the process and received a confirmation email to go to the agent at this point and went to the agent at XXXX XXXX XXXX XXXX CA, the agent at first tried to send it but she couldnt because it was asking her the identification number which we didnt know neither the agent. Then i called the western union customer service and waited for the commercial for 40 minuets after that a lady answered and when I explained the situation to her she said she was sorry for the inconvenience and then again the computer started the commercial for more than one hour and then the call dropped. Then I asked the agent to help me but she was rude and refused any help. Then I did not have any other choices except to send the money to a higher price which was {$11.00}. And it looks like western union wants to one up people by giving them false promises. I want my {$6.00} back because they were dishonest to me and If not I will sue them as they wasted my valuable 4 hours. And finally no help. They have the wrost customer service.
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

mr cooper agreed on a conversation in XXXX to push the amount owed to the end of the morgage and restore regular payment. 
it has been a month and it hasnt even updated to the system. 
called on XX/XX/21 and they are trying to deny the agreement. 
in the last 6 months mr cooper has done a lots of illegal moves, refusing government regulations on forbearance, reporting false info on credit bureau and more.
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (VA)

This is an UPDATE with new information. Pursuant to 15 USC 1692g, I requested a reinvestigation of my consumer report for accurate and fair reporting. I still have not been furnished with ORIGNIAL copies of my contract signed with my SIGNATURE on it. Instead, I have received statements, which does not indicated that those are my accounts. The company is in violation of 15 USC 1692g, as I, as the consumer, did not verify the accuracies. The " statements '' showed that the accounts are accurate. Who confirmed it? Only I as the consumer have the right to verify if an account is mine. I also requested no E-OSCAR verifications. The company is also in direct violation of 15 USC 1681 because it states that FAIR AND ACCURATE reporting. Also according to 15 USC 1681i ( 5 ) ( A ), the information on my consumer report is supposed to be REMOVED if it is not verified. And only I as the consumer can verify the information, as I am the one who " signed '' the alleged contracts. Also pursuant to 15 USC 1681n, I am entitled to monetary compensation PER VIOLATION due to willful negligence of the company not properly responding to my request as a consumer. I WILL exercise my rights as a consumer and pursue the matter in court if need be.
Consumer complaint received 2018-08-18
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 (CA)

I have tried countless times throughout the week to withdraw my funds have them transferred or even put on a gift card so that I'm able to use them everyday this week I have used a different excuse as to why they're unable to give me my money I spoken to countless managers who have given me empty promises and the do not follow through on anything they say they're going to do and each manager says that they have no idea why the prior manager would say that because that's not even a real thing that they do it has been every day for the past 6 days I have called trying to figure out why there is an error message everytime I try and transfer funds and I get a different excuse from each manager not just a customer service rep
Consumer complaint received 2022-02-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This is an UPDATE with new information. Pursuant to 15 USC 1692g, I requested a reinvestigation of my consumer report for accurate and fair reporting. I still have not been furnished with ORIGNIAL copies of my contract signed with my SIGNATURE on it. Instead, I have received statements, which does not indicated that those are my accounts. The company is in violation of 15 USC 1692g, as I, as the consumer, did not verify the accuracies. The " statements '' showed that the accounts are accurate. Who confirmed it? Only I as the consumer have the right to verify if an account is mine. I also requested no XXXX verifications. The company is also in direct violation of 15 USC 1681 because it states that FAIR AND ACCURATE reporting. Also according to 15 USC 1681i ( 5 ) ( A ), the information on my consumer report is supposed to be REMOVED if it is not verified. And only I as the consumer can verify the information, as I am the one who " signed '' the alleged contracts. Also pursuant to 15 USC 1681n, I am entitled to monetary compensation PER VIOLATION due to willful negligence of the company not properly responding to my request as a consumer. I WILL exercise my rights as a consumer and pursue the matter in court if need be.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Synovus Bank (AL)

I was contacted by a fake number using my bank, Synovuses phone number. The scammer told me someone was making unauthorized transactions from my account. They asked for my username and password to my online banking and got in. After, the scammer sent themselves a total of {$7500.00} through XXXX. I called to make a fraud report and the bank neglected to shut down my XXXX account, so the day after they stole {$5000.00} they were able to get the other {$2500.00}. Filed a fraud report and it was denied by my bank and XXXX. Synovus says theres nothing they can do. I did NOT authorize these transactions or willingly send anyone money. I need to file through Regulation E to get my money back from this bank.
Consumer complaint received 2022-12-30
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MI)

For several months now, my mortgage holder, Chase, holds my payment checks drawing up the interest. There's no reason they should do this as I always send the mortgage payments via check a week or longer in advance. I feel they are doing this intentionally as I draw closer to paying off the mortgage to prevent me from paying it off sooner than later. 

I have had other issues with Chase like when I tried to refinance with them and they became uncooperative and almost impossible to contact during the process. This is for obvious reasons as my mortgage is at 6 % and they don't want to refinance it at a lower rate. 

I started noticing the delays in cashing my check several months ago and have written to them on a couple of occasions about the issue. They don't do anything and yet I'm seeing a charge for interest on my mortgage account.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UMB FINANCIAL CORPORATION (MA)

I have been attempting to transfer the funds of my XXXX to another firm. UMB Bank has had the necessary forms since XX/XX/2021 and still has not processes the transfer request. I call on XX/XX/XXXX and and agent assured me that the check had been sent and to wait. 

I continue to wait as the agent instructed and call the new financial institution which states that nothing has been received. I call UMB back on XX/XX/XXXX and the agent tells me that no check has been sent but that they confirmed that the transfer request was received.

UMB then informs me the following day that I need to find account closure forms on my participant portal, however my account is administered by XXXX  so I don't have a portal with UMB.

It would appear that UMB is intentionally obstructing my ability to close/transfer my account despite official documentation of the requests.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank and Verizon wireless induced me to apply for a card that was immediately rejected causeing harm to my credit rating.

This is any of a Synchrony Bank or Verizon or combination of the two mess up that encouraged me to apply for Verizon/Synchrony credit in lieu of my existing options.

The application was rejected and I used my existing option anyway to effect the transaction.

However, my credit rating was unnecessarily harmed.

When I called Synchrony Bank representative to erase the application, he refuse, washed his hands and said complain to the relevant authorities.

The Verizon/Synchrony Bank application number is XXXX
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (VA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either