davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Collection Connection (CA)

A man named XXXX called me from this number XXXX ( XXXX XXXX XXXX saying he was a part of a collection agency and I owed a debt of {$580.00} + interest from my gynecologists office. I was confused because my insurance should have paid that, they were routine checkups. I have a lab fee which I am aware of from a different company that has not been transferred to my insurance yet and thought this was the amount he was referring to ( {$100.00} ). He asked for my credit card to pay the {$100.00} and that he would look through again to see if something was mistaken but I need to pay something now. He said if I didnt pay it would affect my credit score and that it would permanently be on credit history. I hung up the phone and called my gynecologists office and they assured me there was no debt and they had not sent me to collections. I called him again and he continued to say there was a debt and it will immediately affect my credit score and that he was going to put it through to make sure it went on my permanent record.
Consumer complaint received 2017-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/XXXX I sent Portfolio Recovery Associates ( PRA ) a request for validation letter, pursuant to Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with corresponding state laws. The request for validation response must be competent evidence bearing my signature showing that I have, ( or ever had ) some contractual obligation to pay them. In response, I received a letter that account number XXXX XXXX XXXX XXXX was verified, as it was sold to PRA and that I owe {$2200.00}. 
On XX/XX/XXXX, I sent a second letter further requesting valid documentation, as they failed to provide a copy of viable evidence and per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill does not constitute verification. In response to this, PRA stated they have answered to my dispute and not further replies will be forthcoming. I continually receive phone calls from numerous phone numbers connected to XXXX at all hours of the day. I have been turned down for credit and request for a home equity loan as a result of disparaging reporting from XXXX. I have suffered financial harm from their derogatory tactics. 
I dispute the validity of the purported debt I owe. I request that XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection activities and provide the verification of the purported debt.
Consumer complaint received 2024-02-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the recent reporting of a late payment on my account # XXXX, XXXX. Upon reviewing my credit report, I discovered that XXXX and XXXX XXXX XXXX incorrectly marked my accounts as 30 days late. This discrepancy is unwarranted and inaccurate.
Consumer complaint received 2015-06-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PATRICK A. CAREY, P.A. (FL)

A debt collector is trying to collect that bill again. Pay for XXXX years and 25 % out of my salary ( Garnishment ) almost XXXX, for a debt of less than XXXX. I call and spend hours and be transferred to other people and departments. Nobody can explain why? I think is a fraud and I need help to clear the matter.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
* Account name : XXXX XXXX XXXX XXXX XXXX XXXX * Account number : XXXX, all have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-10
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: WELLS FARGO & COMPANY (AZ)

I have repeatedly disputed the following charges : XX/XX/19 XX/XX/19 " XXXX XXXX XXXX XXXX   XXXX XXXX AZ # XXXX '' {$60.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA # XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA # XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX XXXX XXXX  # XXXX '' {$19.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$35.00} XX/XX/19 XX/XX/19 " XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$220.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$5.00} XX/XX/19 XX/XX/19 " XXXX XXXX  XXXX XXXX  XXXX XXXX AZ XXXX XXXX '' {$60.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$220.00} Any person that actually looks at these charges can see they are fraudulent. I did not make these charges and their most recent response is they are valid simply because I continued to meet my financial obligation of making my minimum credit card payment. This is laughable. They have not investigated these charges. I contacted XXXX XXXX to notify their corporate that they are fraudulent and they stated they had not been contacted by anyone about these charges. I demand these charges be removed from my account permanently.
Consumer complaint received 2018-06-10
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. (MO)

After pulling my credit report it was discovered that there's accounts on my report inwhich I have no knowledge of nor has anyone reach me about the change in my report. I'm respectfully requesting physical documentation for the following accounts or by all accounts these accounts shall be removed in accordance with the FCRA rule of law. The following accounts are, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

I opened a Citi Priority package with a {$500.00} promotional credit on XX/XX/2017. The promotion offer is a {$500.00} bonus as long as we satisfy some terms and conditions. However, Citibank refused to honor this offer even if I can prove that we have fulfilled all conditions. 

The terms of the promotional offer is : 1 ) Within thirty ( 30 ) days, 1 qualifying Direct Deposit must post to the new checking Account each month for 2 consecutive calendar months after opening the new checking account. 2 ) Maintain {$50000.00} in saving account more than 60 days.

According to my correspondence with Citibank customer service, the offer is not honor even I have fulfilled the requirements for the following reasons : 1. My previous account was closed within less than 60 days of the opening date of the current one.

2. This account was not enrolled in this promotional offer as it was opened.

However, we have documents/correspondence to prove the above two reasons are false.

1. My previous account was closed on XX/XX/2017, which is NOT within 60 days of the opening of the new account. 
2. When I opened the account at the XXXX ( CA ) branch, the banker clearly went through all the details about the promotion with me and signed me up. Also, one of the customer service did located the promotion ( XXXX ) when this account was opened. 
I believe the inconsistent information provided by the Citibank customer service has shown that they are dishonest during the whole process. 
1. In XX/XX/XXXX, I contacted customer service and they told me that my account satisfied the conditions and the bonus is expected in the following month or XX/XX/XXXX. 
2. Later in XX/XX/XXXX, another customer service said that, although theyve located the promotion, my previous closing account was less than 60 days ( reason # 1 ). 
3. Then I contacted them again to prove that the reason # 1 is incorrect. Yet another customer service told me that this account didnt enroll this promotion offer at the first place ( reason # 2 ). 
4. Now, I believe that they block our access to contact via customer service regarding this issue. 
As our correspondence reveals, Citibank keeps providing contradictory informations and refuses to address this issue by coming up new excuses. I shall attach our correspondences with Citibank with this complaint.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX  SENT XXXX XXXX XXXX XXXX CARD XXXX {$240.00} MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX {$200.00} MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX {$2000.00} MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX  XXXX CA XXXX CARD XXXX {$1800.00} MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX {$500.00} I did not make these transfers I believed my phone was hacked I reached out to Wells Fargo claims department they took long time to investigate and came back with findings that I gave some permission to use and I absolutely did not someone was able to take my money out this bank and Im just out of all my tax money I put in the bank please help me recover my money
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CT)

I have tried numerous times to have this matter resolve from the credit bureaus Experian and from the creditor XXXX and XXXX to no avail Ive spoken to many credit bureaus representatives and they have did an investigation to my concerns and the results are the same
Consumer complaint received 2017-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (VA)

Ive been with citibank since XX/XX/XXXX and renew the account because citi was not able to fix my issue from XX/XX/XXXX to XX/XX/XXXX for the files of their server being corrupted. In XX/XX/XXXX i kept getting these checking fees {$30.00} and other random fees just to have standard checking account. I was qualify for the citigold. And they state i qoute {$50000.00} was the minimum requirement to keep this checking account free of charge in one year span. If the minimum has not met before the year to date, they will cancel the gold and put me back to priority stage. My experience in citi gold is that why would you change the minimum {$100000.00} with out consulting with me when they know i dont even make that amount in a yearly salary during applacation process. The minimum was changed during the middle of the program without notice. Thats not even in their contract mentioned that the minimum may vary or anything about changing the minimum without notice. I thinks thats unfair for people whos trying to save money and have life and family.
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NE)

Signed up for a business account the account was not approved but went under review then they approved my account with limits which was fine I used my account accepted a payment for a job I did and everything was fine. Then I received a bigger payment for XXXX that I worked all week for a job and they put my money on hold and froze my account which is totally unacceptable my account should of never been approved int he first place if they weren't going to offer me to use PayPal for business services so at bare minimum I want that money refunded to my customer or let me withdrawal my money and close my account I won't ever use your service again
Consumer complaint received 2021-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted Transunion and XXXX on numerous occasions in regards to the duplicate Bankruptcy that is on my credit for XXXX please see below as this doesn't belong to me. I provided the document to confirm that the one for XXXX is the only BK I submitted. See the attachment jts not for this below. 

Type Chapter XXXX bankruptcy dismissed Case number XXXX Date filed XX/XX/XXXX Status date XX/XX/XXXX Date reported XX/XX/XXXX Date paid XX/XX/XXXX Account Designator Co-maker
Consumer complaint received 2015-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC. (LA)

I need someone to address this issue expeditiously : Two years ago the XXXX turn our account account over to a unethical, unlawful collection agency that harass you and tell lies to get money out of Americans who has loans with the XXXX XXXX XXXX. Something needs to be done about the company ASAP there name is Pioneer Credit Recovery they are a collection agency out of New York that does bad business practices. In 2014 they took my tax refund because they lied and told the XXXX that my XXXX XXXX XXXX XXXX was a Student Loan Something needs to be done about this Company ASAP. Send out a Stop and Decease Letter ASAP these people are misrepresenting the XXXX XXXX XXXX which is a Federal Agency. Pioneer Credit Recovery Needs to Be Stopped By the Government for Misrepresentation of Government Loan Accounts. 

On last Friday ( XXXX ) my job gave me some papers that will be giving a XXXX Collections XXXX the right to garnish my wages after I sent them in supporting documents explaining my financial condition. In the letter Pioneer Credit Recovery sent to your oXXXXfice they lie, and said that I did n't send in my XXXX. I can send the information that I sent them. Plus I have always told them that I could afford only {$300.00} dollars a month this Company XXXX XXXX Wants to receive {$550.00} a Month which I ca n't Afford. This company has lie on me I 've been advised to Sue them by an Attorney for wrongful and unethical business practices, because have harassed me by continuing to call and not except my financial agreement that I was willing to pay. Now they want to garnish wages at there amount which will greatly affect my bill agreements that I currently have. I 've never missed a payment with Pioneer Credit Recovery XXXX agency they are just unfit to represent the Federal Government. Feel free to call me at : XXXX
Consumer complaint received 2017-01-18
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There was fraudulent activity on my account where I had money ACH transferred out of my Capital One savings account into some prepaid debit card account. I made the calm to Capital One, I never head from the investigator even though I left multiple voicemails and a few months later I got a letter saying my claim was denied.
Consumer complaint received 2021-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MN)

I thank you XXXX XXXX for the XXXX dollar check but the truth be told XXXX isnt close to the amount of money I am out in this ordeal. I have waited a long time for this refund of losses. And I thought this wasnt going to prove this difficult. I waited until the date you all asked for in court and 10 months more and have a fraction of the money I feel is rightly owed to me and I would still ask you to please look at this again and please be fair with the refund. I thank you for what you have sent already but I would still want outside mitigation at this time even with the XXXX extra. I understand the economy is poor right know but I have been waiting 15 years for this. 
Please Thank You XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

Under 25 U.S.C. 1666b this is a billing error, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. - XXXX XXXX # XXXX - XXXX XXXXXXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  # XXXX