davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: United Group Inc. (OR)

I was struggling to make my payments in full as my wages had been reduced drastically. I offered to pay my monthly loan amount in two installments and I was denied by the assistant manager. I was told they would only accept a one time payment in full and nothing else. 
A month later I received a letter that they were suing me in small claims court. 

They refused partial payments and then sued me. 

They would also call every single day when I was late on my payments some times multiple times a day. Always when I was at work. I have voicemails for proof.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance to the fair credit reporting act, XXXX  ACCOUNT NUMBER # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 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 2019-04-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In XXXX  2019, I disputed several inaccurate entries that were reflected on my XXXX  and Equifax reports ( see attached ). Previous addresses as well as previous employment that is incorrect and several other accounts that are reporting inaccurately are currently being reflected on my reports. Please see attached copies of disputes that were sent to both bureaus and as of today, XXXX/2019, neither XXXX  nor Equifax have responded to my dispute. I have not received any correspondence from either bureau requesting any additional time to investigate nor have I received any initial correspondence from them responding to my initial dispute. My tracking via USPS for XXXX  reflects they were in receipt of my dispute on XXXX/19 ( USPS tracking number XXXX ) ; see attached copy of return receipt. My tracking for Equifax reflects they were in receipt of my dispute on XXXX/19 ( USPS tracking number XXXX ) ; see attached copy of return receipt. 

Consumer law mandates credit reporting agencies respond within 30 days to disputes from consumers. XXXX  has had 58 days and have yet to respond. Equifax has 54 days and have yet to respond. As previously stated, neither bureaus has not responded ; therefore, each item reflected on my disputes to each bureau must be deleted. Additionally, I would like a full, updated copy of my credit reports reflecting the changes be sent to my address.
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Future Judgement Solutions (VA)

FJS Global in XXXX, Wy has contacted several time about a debt they say was turned over to their company from XXXX card services. I contacted XXXX card services myself. They stated that theyve never had or have now an account ( charged off or active ) in my name. Theres nothing on my credit report showing that debt. Ive spoke with FJS Global and requested information on the debt but they continue to harass me to pay the debt which is over {$3000.00}. Ive also written a letter and mailed it to the address on the website and have yet to receive a response. I have never received any written notification by mail for the debt. The phone numbers theyve contacted me from are as follows : XXXX, XXXX, XXXX and XXXX. How do get the information on the debt and how to I get them to stop harassing me? Thank you for your time.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (NH)

I received 2 different cards that state they are debit cards from US Bank Reliacard.

The papers with one references Ohio Unemployment. The papers with the other card references Colorado Unemployment. 

I have never been a resident of either state and I have never worked in either state. 
I did not request unemployment or any bank cards. 

I believe that both may have been issued fraudulently. 

I contacted the card issuer and they told me that they are cancelling the cards. 
They did confirm that they are both cards for collecting unemployment benefits. 

I told the representative that I believe that both were issued fraudulently, but they said that all they can do is just cancel them.
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp. (OH)

I Have Received several calls from True Accord ( Collection Agency ) Not Stating Who They was Collecting For. They stated they wanted a Debt Paid in My Name i Stated do not call me again and ENDED the Call This has happened Several Times This past week I received a email stating the Same And that they Updated my Payment History I do not have a checking nor a savings Acct I Replied Back about ID Theft and the FRCA laws and Stated to not CONTACT ME AGAIN This Company Violated ME A Consumer and My Rights with 15 USC CODE 1681 15USC Code 1692b .1692c 1692e 1692f 15 USC Code 1681 MY CONSUMER RIGHTS WAS VIOLATED BY THIS DEBT COLLECTING COMPANY I SUBMITTED THE EMAIL TO THIS COMPANY THAT I RECEIVED FROM TRUE ACCORD
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was contacted about a debt from XXXX XXXX. I request they send a validation of said debt in writing to the address on file which appeared to be mine. I also requested verbally that they cease phone collection attempts. I was told if I do that they will mark it as temporary hold and that I rub the risk of being sued. They said I wont be called for 4 weeks unless I send a letter. I sent the letter immediately. They have continued to attempt to collect a debt they have failed to validate, and have threatened me that I will be sued if I dont cooperate.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AFNI INC. (FL)

Problem is that, I 'm trying to get a loan with my bank. But cause there was a bad comment, though the account is close, with AFNI. ( a debt collector fo r  XXXX   XXXX  ) I 've been declined. I try calling  XXXX  to resloved, they claim my account is no longer in the system. I try with AFNI but they cut me o ff n sa y they done everything in their book to clear it, despite that I was willing to help Fix 's this matter. I even try to dispute. But  AFNI w as able to alter my dispute on removing the comment place in my credit report. I want the whole account deleted and removed
Consumer complaint received 2023-04-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-09
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC (MO)

reliant capital solutions repeatly calls my spouse about my debt. I have a debt with XXXX XXXX and my husband is listed as my emergency contact on file at the university. I did not opt into sharing my information with another person. I contacted reliant capital solutions and expressed to them that they are not to contact my husband about my debt and I was told tht because he is my spouse they can discuss my debt with him. The told me it is legal to discuss my debt with my spouse. My bill with XXXX  is not a joint debt it is my debt. I asked the person that answered the phone to point me in the direction of the law that says she can talk to my husband or contact my husband without my permission and she refused to share that info with me. she kept saying she can call him because he is my spouse. I eventually informed her that they need to contact me and only me about my debt and I hung up
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV INC. (NY)

My original EIP card had a remaining balance of {$120.00}. I tried to use it and was told my account was told there was a fraud alert on my account. After several phone calls they sent me a new card, I tried to use it and was told there was a fraud alert on the account. I requested a check for the remaining balance, The check was sent on XX/XX/2023,. I never received the check. I have called over 8 times and after being on hold for over 90 minutes each time I still have not gotten a resolution to this problem. The card was issued by Money Network. Their customer service is non-existent. I really just want the balance left on the card,
Consumer complaint received 2019-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

student loan amount of {$700.00} was taken out from my bank account but doesn't show on navient account because navient account shows that i only made a payment of {$240.00}. They couldn't figure out where the money went, including the manager. I had to waste 30mins of holding and figuring out with them over the phone.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I received a notice on my XXXX credit report on XX/XX/XXXX that there was a new item that was unfamiliar to me. I called Genesis ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS ), the debt collector and on XX/XX/XXXX received an email detailing the amount owed, the creditor, and an address for where the transaction took place. I tried to get more information to aid me in filing this report and a police report, but following ( with personal information struck out ) was all that was received. The amount is allegedly for an apartment application in XXXX XXXX, where I have never lived. 

[ MY NAME ] [ Address for apartment application ] Original Balance : {$55.00} Current Principal : {$55.00} Interest Due : {$0.00} Total Due : {$55.00} ORIGINAL CREDITOR : XXXX PLACED FOR COLLECTIONS ON : XX/XX/23
Consumer complaint received 2020-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/2020 I went to check my transactions for the last 3 months and seen XXXX was debited from my account on XX/XX/2020. The name of the store was listed as XXXX XXXX XXXX. I immediately notified Chase Bank and informed them of the transaction that was not done by me, or authorized to do so by anyone else. I was told my funds would be in the account within 12 to 24 hours a new car would be issued the old card needed to be cancelled. I explained that I was out of town and needed to not cancel my card until I was back home and would cancel the card the following Monday upon returning. Cancelled the card on Monday did a follow up on the XXXX of XXXX, no funds were placed into my account by Chase, I called back two more times to Chase no information and again was told funds would be in the account within 24 hours. Called back XX/XX/XXXX to Chase a representative name XXXX stated my complaint was denied, informed me to notify the police and there is nothing Chase Bank could do and no information was available to support the reason of the denial. Called Chase XX/XX/XXXX spoke with XXXX a rep for Chase and was told a letter was sent of the XXXX of XXXX and again I was told I would have to get my money from the person who stole it. I was told I have Fraud Alert and Fraud Protection that notifies me when a transaction is done but did not get a notification for this large amount. Again the representatives had no explanation as to why.
Consumer complaint received 2020-11-09
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: Smith, Cohen & Rosenberg LLC (NC)

As of today being XX/XX/2020, a collection account is showing up once more on my personal credit bureau again on XXXX that was just disputed and removed. The collection being XXXX XXXX and the orginal credit being XXXX XXXX XXXX. I have never personally borrowed anything from these two enitites which is why when is showed up over 60 days ago on my XXXX cedit bureau, it was disputed and removed immediately becuase i have never personally put my personal credit bureau up with these two entities.
Consumer complaint received 2023-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

Coinbase sent a very intimidating email regarding trades being suspended on coins that I had inside my wallet. It stated that Coinbase would no longer be supporting these coins because of regular monitoring and said that suspension would be eminent on all their platforms. 

This email is attached and wants to read you can see how scary it is, however, an agent said that funds will still be accessible to trade in transfer, which makes it completely misleading and confusing. 

Within 25 minutes of receiving the email I got very scared and sold all the assets I had. And within the next 48 hours that same coin had risen 70 %, its completely unfair that Coinbase scares their customers with these tactics to manipulate the market in their favor.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I went to a BBVA XX/XX/XXXX in XXXX, TX and made an ATM cash deposit of {$300.00}. After I inserted the bills, the ATM started making a noise as if it was continuously trying to accept the bills. The screen then showed a message stating something regarding the bills being unrecognized and that they'd be returned. However, the slot where you inserted the bills did not return anything, you could just see something spinning continuously in there and the bills were not moving either in or out. After waiting 10+ minutes, the ATM said the transaction was cancelled and displayed an error message stating that it was offline. 

I checked my account and did not see a deposit for the {$300.00}. I immediately went to the drive-thru teller window and told the teller that the ATM accepted my money, went offline, and did not deposit it to my account. The teller told me the machine would need to be repaired before it could be used again. She also gave me a number to call and file a missing deposit dispute. I called the number and filed a dispute, dispute number XXXX, ticket number XXXX. I received a letter dated XX/XX/XXXX that said they were investigating and had issued a provisional credit for {$300.00}. Last month, I received a letter dated XX/XX/XXXX that said the investigation was complete and the disputed transaction was authorized/correct, and the credit was removed. 

I do not understand how the dispute is complete and the money was not credited to my account. I believe that once somebody went to repair the broken machine, the ATM would have been {$300.00} over what it should have been, and the overage could have been linked to my dispute. The ATMs also have cameras, so I'm sure there is video of me inserting the money, waiting there for an extended amount of time and then the machine went offline. If you put all of that together, I'd think the deposit could be linked to my dispute/checking account.
Consumer complaint received 2019-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (FL)

I refinanced my auto loan in XX/XX/2018 from XXXX XXXX XXXX to XXXX XXXX. I called for 2 months asking when will I start to pay my auto loan through the new provider XXXX XXXX. I was notified the end of XXXX that my bill was due on XX/XX/XXXX by the time I was made aware of the due date it was already 30 days late. I have been trying to work with the company for a year to have this late payment removed but they refused to take responsibility for they lack of communication with the consumer. This late payment have destroyed my credit and is preventing me from being approved for a home loan. Please assist with this matter
Consumer complaint received 2020-11-09
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. (MO)

I sent a letter to all three bureaus XX/XX/XXXX, XX/XX/XXXX and Experian XX/XX/20 regarding incorrect personal information my name, address and place of employment was wrong I provided them a copy of the drivers license, social security card, and a utility bill for my current address. Nothing changed on my report. I followed up with a second letter XX/XX/20 providing the same information along with a notarized statement I received an updated copy of my bureau 's all of which still reflect incorrect names, addresses, as well as old employers that I have not worked for in over 8 years.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a letter to all three bureaus Transunion, XX/XX/XXXX and XX/XX/XXXX XX/XX/20 regarding incorrect personal information my name, address and place of employment was wrong I provided them a copy of the drivers license, social security card, and a utility bill for my current address. Nothing changed on my report. I followed up with a second letter XX/XX/20 providing the same information along with a notarized statement I received an updated copy of my bureau 's all of which still reflect incorrect names, addresses, as well as old employers that I have not worked for in over 8 years.
Consumer complaint received 2020-09-24
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. (AZ)

Negative reporting from XXXX XXXX We have account info data that the mobile phone was paid in full in XXXX and the insurance premium care of XXXX was canceled and we have documentation from XXXX to confirm. Unable to reach out to company or talk with anyone in the credit Dept but yet we can log into my account and it shows it's paid in full and cancelled. Please help we have perfect credit and this is incorrect and a big inconvenience Thank You
Consumer complaint received 2018-04-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ray Klein, Inc. (OR)

The company called me at work asking for resolution. Obviously I am not in a position to do so or I would not be in collections. I explained my circumstances and today see they had attached additional fees. I cant help anyone in my debt situation unless they are willing to work with me. My husband passed unexpectedly and I am inundated, Im doing my best, would they rather I filed bankruptcy and no one gets anything?
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NY)

I took out a credit card with Zale under a promotional offer. no one ever stated at the end of the promotion if you have a balance left when the promotion is over. the company will add the six interests to your bill.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WA)

I have provided XX/XX/XXXXwith all required documents, ( FTC Identity Theft Report, Police Report, and Proof of Identity ), the company continues to report this information to Credit Reporting Agencies. This has impacted my ability to receive appropriate credit ratings and has tarnished my reputation as a consumer.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Numerous calls have been hung up on. Last person I spoke to was XXXX UV XXXX Mazda Credit through JP Morgan refuses to verify that this has been paid off. Calls and emails and they still will not do this and this is impacting my credit.
Consumer complaint received 2023-04-10
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. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.