davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (OH)

I recently reviewed my credit report to find I had 1 account in collections for an old hospital visit. The collection agency is First Federal Credit Control and the amount owed was {$700.00}. I never received any statement or invoice in the mail or email from them. 

I immediately called this company to see how I could take care of this bill to remove it from my credit report. I spoke with XXXX XXXX on XX/XX/2020. He proceeded to tell me that I could not pay less than the {$700.00} because the hospital could not take less than that. He also told me there were several other accounts in collections with them that had smaller amounts that were also affecting my credit score.

After researching, the accounts that I paid off that day ( for a total amount of {$450.00} ) were not on my credit report, and the only outstanding balance in collections is still the {$700.00}. 

I called again today ( XX/XX/2020 ) to ask if I could pay off the account. I spoke with XXXX XXXX. I first let her know that XXXX had lied to me on my call with him about the accounts and how he gave me incorrect advise. She immediately began speaking over me, berating anything I tried to say, and would not let me get a word in. 

This company is is very abusive to callers, lying to consumers, and are rude to the point of me having to hang up because I could not finish a sentence. This company has extremely unfair practices of getting consumers to believe they are in deep trouble because off too many accounts impacting credit scores.
Consumer complaint received 2018-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened a Citizen 's Platinum checking account on XX/XX/2018 for a promotion of {$400.00}. I completed the requirements and was suppose to receive the bonus after 60 days. It has been more than 90 days and Citizen 's bank claimed the offer was not attached to the account and refusing to award the bonus. I clicked through the advertisement attached. I should not be punished because the website didn't include the promotion correctly. 
They are withholding the bonus until and charging me monthly fees in the meantime.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (NY)

I found a fraudulent charge on my Barclays Elite Black Card and I have been a loyal customer of theirs for many years. However, when I attempted to report the charge to them, I was told that I needed to file a police report. I faxed them this report many times and keep being told that it is not received, despite the confirmation I have for the faxes I have sent. Now it has been nearly three months since I initially reported the charge in XXXX of XXXX. On XXXX/XXXX/XXXX I attempted to speak with Barclays about resolving the matter, they finally confirmed receipt of the police report and then attempted to tell me the fraud dispute has been closed since XXXX of XXXX which is impossible since I did not notice and report the charge until XXXX of XXXX. Once I said this was incorrect the investigations representative became very rude and hung up on me when I asked to speak with a manager that could investigate the faulty information. When I called back, twice, I was hung up on again by the investigations representatives each time.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX  XXXX, XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$2600.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX, TX XXXX
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2018, I sent a Certified Debt validation letter to XXXX, XXXX, and Transunion requesting the stated companies provide me with validation of debt for the five accounts listed on my credit report as negative/closed. These accounts are listed incorrectly on my credit report. I have yet to receive any proof of verification of the debts saying that I am obligated to pay them. I have sent in a total of three letters dated, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have proof of the letters sent and reciepts for the certified mail. These five accounts are seriously impacting my credit score and is keeping me from obtaining new credit.
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Also, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations.

Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system.

Furthermore, if you claim that proper notification was provided, I demand conclusive evidence to support this assertion. Please furnish me with the certified mail receipt, along with my signature acknowledging receipt of such notification. I challenge your agency to produce any document bearing my signature confirming receipt of the alleged debt notification. Failure to provide such evidence will only reinforce my belief that your attempts to collect this debt are baseless and unfounded.

Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above.

In conclusion, I demand that SPRING OAKS CAPITAL LLC cease all collection activities until such time as you can provide adequate validation and verification of this alleged debt. I expect a prompt response to this dispute within legal time frame. Failure to comply will leave me with no choice but to pursue all available legal remedies to rectify this matter.

Sincerely,
Consumer complaint received 2020-07-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CFW Holdings LLC (TX)

Good afternoon, the company is called XXXX XXXX with the phone # XXXX that is a debt collector for XXXX XXXX XXXX ( XXXX ) have violated my rights as a consumer. This company XXXX called my nephew XXXX, on XX/XX/2020 and told him the case #, phone # to contact them and they were filing the case in XXXX XXXX Texas, that I needed to call asap. I do not know how they were able to know that XXXX was my nephew. Then on XX/XX/XXXX, the company contact my place employment and gave the front person all the information. The case #, phone # and they were trying to locate me to file against me in XXXX XXXX. I called the number, these people will not give the name of the company except " XXXX XXXX '', one lady name XXXX, they could not give information to the safety of their employees. Then she ask me if I wanted to talk to one of their attorneys, then I gave her the case # and she said they were collecting for XXXX XXXX XXXX, payday online loan. Then she gave me the amount of {$2600.00}, and they were going to file in XXXX XXXX and that the judge would side with them. I hung up the phone and call the local authorities to see if they papers to serve and the dispatcher XXXX said no. I talk to 3 people at this XXXX XXXX, XXXX, XXXX and XXXX. They did not leave a name with the front person who answers the phone. I filed it with the Texas XXXX XXXX XXXX XXXX XXXX and XXXX  of South Carolina, both offices said to file it with the Federal Trade Commission. I called XXXX XXXX XXXX and talked to a Supervisor by the name of XXXX XXXX and told him what this collector was doing and that my next step was to get legal and report to the Federal Trade Commission. He said he would call back and to give them 48 hours and no one called. The debt collector is XXXX XXXX XXXX with the number of XXXX that a represent of XXXX XXXX XXXX  gave me. She said that they probably contract the company XXXX XXXX. They have violated a third party disclosure and tell both persons, XXXX and Receptionist the case #, phone # and telling them both they would file on me in XXXX XXXX. Mr. XXXX never called and I called him from XXXX XXXX   XXXX and he did not return my call. So I am assuming the know about the collecting ethics these people use. I will not have no one talk my business to a third party. The receptionist was very discreet, but it did embarrassed me. I did not know what to say.
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc (ME)

Friend sent money using chime It said free transfer to debit card Got oops sorry something wrong Returned to main menu and created account to transfer money Went to transfer or cash out the XXXX dollars now says have to activate card to cash out Called customer service and I have to wait 7-10 days for a bank card I do not want and a bank I do not want Free instant transaction I think not
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (PA)

USDIRECTEXPRESS XXXX XXXX am XXXX XXXX, i called usdirectexpress to dispute fraud use on my card. i disputed them. they said, they would send me out dispute forms. they did not send dispute letters and said i had until Tuesday XX/XX/2022 to return it. tomorrow is XX/XX/2022. if it's not back in time XX/XX/2022 i get no relief from FRAUDENTLY ACTIVITY ON MY CARD. PRETTY MUCH I'M JUST SCREWED BECAUSE IT'S NOT BACK IN TIME, more than XXXX dollars i'm going to lose because they refuse to send me my dispute letters. is that criminal, allowing a federal recipient to be fraudulently taken advantage of, when they were told to have them bill me, no more because i don't go on dating sites and plus other non-authorized charges. I'm calling about fraud and the first thing i am asked is, what's your ss #. refuse to let me speak to a supervisor. XXXX and XXXX in disputes, XXXX XXXX, they say it's no other way to access my account ( DISPUTES ) and i know that not to be true. now I'm being lied to. As the police said, he never has to give his ss # to his bank when he calls. then they leave me on hold for over an hour AND A HALF, when they know time is of the essence, straight b.s'n. if they don't want to do their jobs correctly then why are they even employed, I'm confused. then they want to get upset because i'm upset due to their incompetence. never waited over an hour AND A HALF to speak to someone, so i see it as deliberate and malicious. and want to press a formal complaint against the dispute dept. namely, XXXX XXXX XXXX? ) AND XXXX AND XXXX, refuse to give last name but it's required i give them mine. YOU'RE NOT GON NA BE UPSET AT ME BECAUSE YOU FAILED TO DO YOUR JOB. I INCLUDED A PIUCTURE OF THE DELIBERATE WAIT TIME I HAD TO ENDURE AT INCOMPETENT PPL HANDS. 

XXXX XXXX -WANTS HIS MONEY BACK FROM BEING FRAUDED! THE LACK OF HELP MAKES THINK, NOT GOOD OF THEM MAYBE GET PPL THAT ACTUALLY WANT TO RESOLVE YOUR ISSUES AND THAT GIVE 2 XXXX  AS... WHILE PERFORMING THEIR JOB CORRECTLY. PICTURE OF DELIBERATE WAIT TIME ATTACHED : RELIEF SOUGHT : 6 MONTH PROBATIONARY PERIOD, NO-ONE SHOULD BE SUBJAGATED TO THIS FOOLISHNESS. I TOLD THEM THE BANKING TREASURER NEEDS TO KNOW HOW THEY TREAT, THE ALREADY SCAMMED. LAST DIGITS XXXX OF CARD ; TEL # XXXX ; I GUESS THEY CALL THEMSELVES BEING A SMART AS- 90 DAY PROBATION FOR THE CRIMINAL NEGLIGENCE UPDATE : AFTER WAITING AN XXXX HOUR AND XXXX MINUTES DAYSHAWN ANSWERS THE PHONE, I TALK TO HER ABOUT XXXX MINUTE AND SHE HANGS UP, WASN'T YELLING IN MY UPSET, I JUST GOT ROBBED VOICE. FIGURE THAT OUT XXXX TIME TALKING TO HER. XXXX MENTALITY... EASY TO COLLUDE AGAINST THE LESS FORTUNATE. NOW THEY NEED TO BE FIRED, FOR CAUSING DELIBERATE AND MALICIOUS FUDICIARY INJURY AGAINST A MEMBER OF A PROTECTED GROUP. OF COURSE, DONE WITH THE SUPERVISORS BLESSINGS, THEM TOO! 

XXXX BANKING XXXX XXXX : XXXX XXXX SEE ATTACHMENT
Consumer complaint received 2018-04-16
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: Experian Information Solutions Inc. (MS)

I have been sending disputes to Experian every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either. This is have been ongoing for almost a year, if this doesn't get resolved so I will have no choice but to pursue legal action against them.
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (WA)

I recently filed a complaint against Robinhood XX/XX/2024, stating my concerns on Robinhood not allowing me to withdraw my fund. On XXXX XXXX, my issue has got worse. After my bank cleared and process all my deposit into my Robinhood spending account, which was {$3000.00} on XX/XX/2024, I got an email from Robinhood support stating that my deposit have all cleared and process and my account was still restricted and soon to be closed as soon and my funds were going to be transferred back to my account, but that did not happen. I reach back to Robinhood support through email stating I need my fund transferred but since my account has been restricted I am not able to move my {$3000.00} out and into my bank account. I told Robinhood the only account I have link is XXXX XXXX debit account and I would like to transfer my funds into that account and I have no other account linked to my Robinhood account. Robinhood support emailed me stating that I can not transfer my {$3000.00} and that my account will be close with my {$3000.00} remaining in the closed account and there is nothing they, nor I can do about. Additionally, they are able to transfer my brokerage and spending account to my individual value account but cant transfer my fund into my link debit account, when they told me that they are unable to do anything.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MT)

Around XX/XX/2020 I had a friend transfer money to a Paypal account I have. It was around {$600.00} dollars. I have not been able to withdraw this money since. I just want a check with my funds to be mailed to me but when tryingbto request my money paypal website leads you around in a circle. They want to redirect you to give more personal info and use their new banking sevices but I have a credit union that treats me fairly and has never held my money hostage before, so I want to stay with them. This is predatory banking and wrong. 

I was not able to get them on the phone ever. Nothing has been resolved yet. 

Also, since paypal is a bank of sorts they should offer a statement. It would be nice to request a statement for the life of my account to see the fees they are charging me.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have made a purchase on XX/XX/XXXX online from a seller that is outside the country in XXXX and paid XXXX dollars with my capital one card ending in XXXX The item did Not arrive so I submitted a dispute to the charge. Capital one gave me a Credit on XX/XX/XXXX. Then I received the watch which turned out to defective and a piece of junk. So capital one rebilled me XXXX dollars which was XXXX dollars more than what they credited me. I called capital one and sent them what documents they asked and told them that what I received is NOT as described and its a piece of junk not worth XXXX dollar and a defective watch. So then they gave me a credit for XXXX and that is XXXX dollars less than the charge. Then they rebilled me again in XXXX of XXXX and I called them back and gave them more documents so they credited me the rebilled amount on XX/XX/XXXX and the case was closed since its been more than 90 days since I disputed the charge .. case was CLOSED back in XXXX of XXXX and the dispute was over 4 months old. Now after 7 months of opening the dispute capital one card decides to rebill my account for XXXX dollars for NO reason. Its been 7 months that passed since I opened the dispute and the case was closed in XXXX after I was given a credit since the watch I received was NOT as described and I was scammed by the seller and the watch was defective and had NO value. Capital one should have NOT charged my account on XX/XX/XXXX for an old dispute that was 7 months old and closed a long time ago. This is Fraud by capital one and very shady business practice. I want my money back and I want capital one card to credit and refund my account for the XXXX dollars and the XXXX dollars that they overcharged me
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I was scamed out of money for a person a thought was a person turned out not be for XXXX XXXX dollars around XXXX of last year it was inter net dating  on line Im having a rough time paying things because of it at times
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Several companies ran my credit without authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX I XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SC XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2018, I sent a Certified Debt validation letter to Experian, XXXX, and XXXX  requesting the stated companies provide me with validation of debt for the five accounts listed on my credit report as negative/closed. These accounts are listed incorrectly on my credit report. I have yet to receive any proof of verification of the debts saying that I am obligated to pay them. I have sent in a total of three letters dated, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have proof of the letters sent and reciepts for the certified mail. These five accounts are seriously impacting my credit score and is keeping me from obtaining new credit.
Consumer complaint received 2022-02-18
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 am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these bankruptcy without permission and that is fraud.