davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit 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: CITIBANK, N.A. (GA)

XX/XX/XXXX - Fraudulent purchase made with my Best Buy CitiBank credit card for {$970.00}. 

XX/XX/XXXX - I received a bill for the amount. I checked my account, and noticed the fraudulent charge. 

XX/XX/XXXX - I disputed the transaction online and called CitiBank and was hung up on. 

XX/XX/XXXX - 61 days after my claim, I received a response that the charges were being re-billed to my account, and that I was responsible for the charges. They said 'my card is protected with an embedded chip, and was used at a chip enabled card reader. ' My card does not have a chip, only swipe. 

XX/XX/XXXX - I filed a report with the CFPB, the Office of the Comptroller of the Currency, as well as a police report with XXXX Police Department. 

I did not make any purchases. I have not used my XXXX CitiBank card since XXXX. On the letter it notes " card is protected with an embedded chip and was used at a chip enabled card reader. '' The card in my possession does not have a chip. CitiBank 's investigation 's claims are blatantly false. 

I don't even know what the purchases on XXXX XXXX were as the item is not showing on my account history. I am unable to re-dispute the transaction on my XXXX CitiBank website.
Consumer complaint received 2019-07-01
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: DISCOVER BANK (VA)

I went through the dispute process to dispute two transactions from XXXX and I did not receive the service I paid for. For XXXX and XXXX. I was not satisfied with this service because it was not as advertised as there were no people to get matches with on the site. XXXX just sent in a copy of terms, which was not initially provided, and Discover has refused to help me in reversing this charge. This service is not what I paid for and Discover is refusing to work with me even though I have been a customer for years.
Consumer complaint received 2019-07-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AA Recovery Solutions, Inc. (MD)

On XX/XX/2019, I received a phone call on my cell from XXXX at AA Recovery ( XXXX ) who advised that he wanted to see what was going on with the payment. XXXX advised that the payment dated XX/XX/XXXX came back invalid card. When I started to ask questions, XXXX changed it to the payment dated XX/XX/XXXX coming back as an invalid card. Once XXXX realized that I was onto his scam, he hung up. He then called my work phone, asking to speak to Human Resources. I  advised him that what he was doing was illegal because it was harassing. XXXX advised he would keep calling numbers until he got to Human Resources. 

I did attempt to make a payment on the XX/XX/XXXX in which my bank informed me that the company that was processing the payment, XXXX XXXX XXXX, was a scam company and, because they did take payment on the XX/XX/XXXX, they were sending me a new debit card. I then received a call from a woman on XX/XX/XXXX from a woman and a man who tried to get me to give them my credit card information. Once both of them realized that I was not going to give them anything, they hung up on me. 

I have looked up the company ( they operate as AA Recovery ) and XXXX XXXX XXXX and both companies come up as scams.
Consumer complaint received 2019-07-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (GA)

I received a XXXX to switch XXXX XXXX on XX/XX/19. After carefully discussing with the surgeon what I wanted and getting his OK. We set that date. As soon as I wake up I noticed something was wrong, I called the surgeon and he explained a smaller size had to be put in and not to worry. Three days later when I went to the post op I explained I was not happy as I did not want that size and I specifically said what I wanted and he didnt say no. The office basically said I need to pay {$1000.00} more to get the size I want and that its basically my fault. When I opened the dispute with my bank I explained all of this letting them know what I wanted and showing proof of what I received. I sent a letter from a different doctor stating the size I wanted was perfectly fine for my body and I posed no risk. I also sent a quote from the new doctor. I never signe anything agreeing to the size I currently have so I dont understand how the bank is telling me I can not get my money back and that the doctor is right!! I am baffled it seems to me like this doctor knew I was not gon na be happy and thought I was gon na pay more! It cost me {$4800.00} of my hard earned money and now I am dissatisfied with goods I didnt want bad service and no money!! The bank I have is CHASE
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

Comenity Capital Bank has purchased XXXX Accounts. I was approached by Commenity Bank to pay a balance of {$140.00}. My XXXX  account was closed and last purchase was in 2020. I called XXXX to ask why Commenity Bank was calling me for a payment and XXXX has no answer since account was sold to Commenity. Commenity Bank tells me that I have a balance and they dont know what it is because XXXX has not details. I spent months disputing the balance and now Commenity Bank closed the account as non payment and my credit score dropped XXXX points! They have ruined my credit.
Consumer complaint received 2024-03-28
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: WELLS FARGO & COMPANY (FL)

Wells Fargo will not provide me a copy of the merchant receipt they say I authorized. They say I must accept what they decided without providing physical proof. I asked today again for proof and was hung up on it. 


Wells Fargo Claims Assistance Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$240.00}
Consumer complaint received 2019-07-01
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. (CA)

Equifax and XXXX are reporting incorrectly a collection on XXXX in the amount of {$22.00} partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account is over 7 years old and continuing to report this item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score. Please delete this line item from my credit report.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlas Credit Company, Inc. (TX)

I filed for Chapter 13 in XX/XX/XXXX. I am trying to buy a home & I have discovered that Atlas Credit Company is reporting my account as charged off instead of Chapter 13. When I tried to dispute this in XX/XX/XXXX, I was told that Per Atlas, the reporting is correct. I have reached out via email to corporate but I have not had a response.
Consumer complaint received 2022-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

on XX/XX/2022 a letter was sent stating that I were disputing the validity of the alleged debt by certified mail. Also, a notice to cease and desist letter was sent on XX/XX/2022. Re : Notice to Cease and Desist Account Number : XXXX XXXX Dear GLA COLLECTIONS, To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (AZ)

My mortgage servicing company has changed. New American Funding is my original loan servicing company. My account has been transferred to XXXX XXXX XXXX  effective XX/XX/2019. New American Funding ( NAF ) sent me a letter dated XX/XX/2019. The letter explained my loan transfer and supplied a new account number. The new account number does not work. I have called XXXX XXXX  XXXX ( XXXX ) and waited 1 hour on hold with no answer. I visited XXXX website and the account number supplied by New American Funding does not work. I called NAF and they advised that I reach out to XXXX for my concerns. I have no way to get in contact with XXXX. I have searched online for XXXX XXXX XXXX reviews and everything I found is negative. I am very worried because all reviews included issues with ; finding an account number after a service transfer, improper late payments per credit bureaus, improper payment of taxes per escrow, improper application of escrow payments, and improper handling of account payments when applied to principle vs upcoming payments.
Consumer complaint received 2019-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CA)

Took Car Loan from Wilshire Consumer Credit. XX/XX/XXXX. I was sometimes late but all loan payments made up to XX/XX/XXXX. Due the travel to abroad XXXX Check has been NSF. 
Without any letter or call Car has been Seized on XX/XX/XXXX at XXXX. 
Received letter on XX/XX/XXXX but letter wrote on XX/XX/XXXX and Mailed on XX/XX/XXXX received on XX/XX/XXXX. 
Try to spoke with them on XX/XX/XXXX and explain the letter date, mailing date and receiving date and request Seizure fee back and not received. 
As XX/XX/XXXX loan has been paid in Full.
Consumer complaint received 2021-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

Collection Service of Athens reported collections on my credit report. This debt was paid to the medical provider and should not have been sent to collections. I never received notice that the medical bill was going to be sent to a collections agency. 

I am requesting this be removed from my credit report.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian is reporting incorrectly a medical collection on the XXXX XXXX XXXX in the amount of {$1700.00} - account number XXXX. ( Please see page 3 of the attached credit report. ) This account does not belong to me and is falsely being reported on my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the bureau to fix this error. This collection item needs to be removed from my credit report.
Consumer complaint received 2023-03-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (MO)

National Credit Adjust, XXXX XXXX XXXX XXXX, XXXX KS XXXX has no original creditor available. I do not know who they are and can not contact the original creditor and therefore believe this debt to be fraudulent, erroneous, inaccurate and should be part of my XXXX credit report! 
According to 15USC 1681 ( a ) ( i ) I can challenge this account and have it deleted because it is obviously incoirrect and fraudulent.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc. (IA)

Im writing because I noticed that in my credit report contains 1 late payment reported on XX/XX/2017 for my XXXX XXXX store credit card account. 
I want you to know that I understand how important my financial obligations are, now that I know more about credit and life, and if it werent for the miss confusion on your autopay, postdate payment, and paperless features on your website, Id have an excellent payment record with you. I understand that it is my responsibility to always keep an eye on my finance, but since then, I havent missed any payment and also paid off the balance if you look at your records. Thats because I decided to make my payments manually every month to make sure I dont miss one anymore.
Consumer complaint received 2019-07-01
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. (GA)

XXXX is placing extra accounts on my credit report and reporting a accounts that are not validated with notarized documents. I have requested notarized copy of information and these accounts are no legit. However, they refuse to do so and the credit agencies are reporting this information, so both will be suited. By the attorney that sued Equifax for XXXX XXXX dollars. This case was win in Oregon! Since the credit agencies want to support information that is not true and even when you have shared documentation with them. 

I have retain a attorney at this point and would like the all documents support this debt, so they name can be introduced into the LAW SUIT. Credit Act states I have the right to know the following : 1. Who was involved in this investigation names, telephones numbers, of each person involved in the procedure.

2. Provide dates and times for the investigation 3. A description of the procedure used to determine this accuracy. 

XXXX is already in deep legal issues when it come to this account as XXXX and XXXX have created acts of forgery.
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: SOFI TECHNOLOGIES, INC. (NV)

My personal XXXX with XXXX XXXX was transferred over to SoFi bank on XX/XX/24. I was able to establish online access to the XXXX in the SOFi portal and have an option to pay down the principal but I do not have the option to withdraw funds. I have tried to contact SoFi Bank multiple times in the past 10 days to resolve this issue. Their current hold time for the XXXX department is over XXXX hours. I have submitted multiple requests for a callback and the only time I was contacted, the line dropped and I was never called again. At this point, I have no access to my available funds and no way to have this issue resolved.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (MI)

On XXXX XXXX, 2016, I requested a credit line increase and I was approved for a {$1000.00} increase bringing my card limit to {$1500.00}. Nonetheless, I do not feel like this is a fair credit line increase since all of my other credits have limits in excess of {$1500.00} in addition to my good account standing with Discover. Moreover, I have a 100 % on-time payment history with Discover ( as I do with all my credit cards ), and have not had a credit line increase since I have had the account for over 2 years despite my current credit score of XXXX. I reached out on XXXX XXXX, 2016 to see if the credit card limit could be reevaluated and I was told that I would need to call their Card Portfolio service. I called them and they indicated that since the request was yesterday, they could not do anything. Nonetheless, the representative indicated that I could apply anytime for a credit line increase. After getting off the phone, I requested another increase via the online system. I was told that it would take 2 days to review my request. I initiated an online chat with Discover and had asked if there was any credit line increase time limits, such as a certain amount of days after receiving a request. The online agent indicated that Discover does not have any such limits. That agent recommended I call back the Credit Portfolio department. I called them back and the representative indicated that the application for a credit card increase was denied because of the short credit line history ( the same credit line increase that I wanted to be reevaluated ). She also said that a credit line increase request would be granted within 30 days of a prior increase, which was contradictory to what the online agent had indicated. I asked to speak with a supervisor. I was transferred to XXXX who was very condescending and indicated that the regulations of the industry ensured fair treatment. Consequently, he argued that an exception to the day of the request for a reevaluation could not be granted because it would not be fair for other customers. I then indicated that it did not seem fair that I had about only a half-hour before the customer service department closed when other people that applied that day would had more time to ask for a reevaluation. He then indicated that I could define fairly however I wanted, even though minutes prior his definition fair was the reason why I could not be granted a credit line increase. As mention before, I have several credit cards with other companies and I have never heard that a credit card regulation prevented a credit card increase reevaluation regardless of the time of the request. I believe XXXX was incorrectly state federal regulations and possibly even fabricating them to explain away an issue. At the end of our conversation, I asked for an employee ID number and XXXX refused to give it to me.
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (KY)

I received a letter in the mail yesterday addressed to my misspelled maiden name from Credence Resource Management , LLC regarding a XXXX XXXX  bill in the amount of {$560.00}. I called XXXX at XXXX on XX/XX/2019 lasting 16 minutes. I advised the female representative the account number on the letter and address and that my name is not correct and I do not have this account and would like a copy of the contract or proof that this is my account. I did not provide any additional information to verify this is my account and she gave me all of the account information and said I needed to pay this and that it was in fact my account. She gave me an email address that was different than the one I provided. I asked to speak to a supervisor. XXXX was the name of the supervisor that I advised I would not give my last 4 of social security number to and only provided the spelling of my correct maiden name and requested the contracted proof of ownership. I advised that I am disputing the debt and they did not follow the FDCPA guidelines.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX and XXXX have incorrect addresses and names on my Credit Reports that need to be deleted. I spoke to a representative at XXXX and XXXX on XX/XX/20. They refused to remove the inaccurate and incorrect information.
Consumer complaint received 2019-07-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Services requested documentation of my dispute. I have requested and received documents from XXXX XXXX which are opposite of the documents that Portfolio Recovery Services have provided. 

The debt amount owed is not valid and not factual. XXXX has provided documents that has put in to question the accuracy and integrity of the account Portfolio Recovery continues to report on my credit report accurately. On XXXX that shows the account had a XXXX balance, Portfolio Recovery sent a document XXXX that shows a balance of XXXX. Which one is correct? 

XXXX also provided me with a letter that says that the account balance was {$540.00} on XXXX with a charge off date of XXXX and the last payment {$0.00} was made on XXXX but Portfolio continues to report a last payment of {$45.00}. How can this be? It's not 100 % factual as required by FCRA XXXX   mailed all its to XXXX XXXX XXXX XXXX Ohio XXXX but surprisingly Portfolio Recovery used an address of XXXX XXXX XXXX XXXX  XXXX GA XXXX on XX/XX/XXXX? Where did Portfolio Recovery get this address? This was not my address. I believe this document was altered becuase it does not shoe the same addresses but were sent in the same month- If Portfolio Recovery used electronic files purchased from XXXX why did they send this legal form to a different address? 

Neither XXXX or Portfolio Recovery has provided me with 100 percent actual and factual information as required by the FCRA and the discrepencies show that this account is not valid and should be removed from my credit file and sent back to XXXX XXXX. If these two companies do not have the same documentation then this information is not verifiable and should be removed