davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (GA)

On, XXXX/XXXX/2015, I used the internet to get my XXXX score from Experian. I had to give them my debit card number so they could take a XXXX or whatever the cost maybe. On the weekend I tried to cancel my membership so I call the number on the internet just to find out they were closed. XXXX XXXX, 2015, I finally got in touch with a person who stated that she would discontinue my membership. I have a letter by email stating such. After that I noticed that my checking account was overdrawn. So once again I called Experian just to find out that they had stated that on the seventh day my account would be charged. I do n't remember reading anything pertaining to this. 
On, my bank statement you can see how it was after I made my call to cancel my membership. If I am not mistaken I do n't think they were closed on the weekend I tried. 
If I am not mistaken I believe that they already have your cell number so if or when you call before the 7 days are up they take the money out of your checking account.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

A bank of America credit card was opened XX/XX/2022 in my name. The address the card was sent to was in TX ( I live in CO ), but luckily I caught the fraud before the perpetrator received the card.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (CA)

On XX/XX/2024 my tax refund of {$560.00} arrived in my Current Bank account, on XX/XX/XXXX, I deposited {$530.00} to my account, On XX/XX/XXXX, I tried to access my account on my mobile app but wasn't able to log in, it says my account doesn't exist, I was finally able to recover my account through personal email and I logged in finally and that is when I realized all my fundings were gone, XXXX unauthorized charges of around {$100.00} each were made from this virtual card issued on XX/XX/XXXX to a merchant by the name of XXXX XXXX XXXX, who I have no idea is and nor have I done any business with, so i filed a disputer with the bank on XX/XX/XXXX and was told the matter will be resolved in XXXX days, today is XXXX and I was told I can't dispute these fraudulent charges because I had no money in my bank when it happened, I have the bank statements showing all transactions and I've had this account for XXXX years very satisfied with their service but right now I am late on my car payment, i am not happy.
Consumer complaint received 2017-12-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST HERITAGE CREDIT LLC (LA)

The loan is with 1st heritage of XXXX la. It was made back in XXXX before I lost my job. After getting a new job the consumer started to contact my office as well as management. A cease and desist letter were faxed over to them in XXXX. The consumer continues to contact my place of employment as well as myself.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (DE)

I am writing to file a formal complaint against Jefferson Capital System regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$630.00}. However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus.

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. 

Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. 

In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me. Additionally, I request that you provide me with detailed information about the alleged debt, including the name of the original creditor, the date of default, and the specific charges being claimed.
Consumer complaint received 2016-08-26
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CASH AMERICA INTERNATIONAL, INC. (OH)

I took out an installment loan with cashland a subsidiary of cash america. I took out the loan for {$600.00} and by the time you add in their fees I will end up paying {$1500.00} because the finance charge was {$940.00} so close to triple the amount they gave me. They also did not give me any of the paperwork for the loan including the ach withdrawal authorization form. Only paper they gave me was payment schedule and amount they had financed. I think that is outrageous and shady business practices.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

XXXX is reporting incorrect negative information to Experian. There was XXXX semester where I was out of school due to a military ordered relocation. I contacted XXXX months before the move to inform them of my upcoming semester absence from school. I was told that I would not have any required payments unless I took more than XXXX consecutive semester off from school. I promptly registered and attended the next semester of school, and I did not think there was any issue. Upon checking my credit report, I noticed that XXXX was reporting late payments for that period. I disputed the item and it came back as " valid ''. I contacted XXXX directly and was told to write a handwritten statement and mail it via USPS, which I did. XXXX sent a letter back that the negative credit information was valid and they would not remove it from the credit report. I again attempted to dispute the item with Experian and it was again found " valid. I do not feel this is in any way fair, I was told that I was not required to make payments for that period and did not receive any notification indicating otherwise. The representative I spoke with apparently had no idea what she was talking about, and should have placed me in a " deferment '' status, rather than telling me that I wouldnt owe any payments.
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (OH)

Barclaycard refused to address my XXXX XXXX hotel dispute. They rebilled me for a XXXX XXXX charge in error. They failed to respond to my letter disputing the rebill based on events that occurred after the rebill. They also billed me an additional XXXX more than my balance for no reason at all.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

This is my 2nd attempt to rectify a serious error on the part of TransUnion Consumer Relations. I have been disputing an entry on my credit report listing a Bankruptcy Chapter XXXX- discharged on XX/XX/XXXX for over a year. 
As proven in the documents I am attaching, there is no way the bankruptcy is validated as the Bankruptcy Courts do not verify them ( see attached letter ), it is not listed on my XXXX XXXX XXXX ( XXXX ) report ( see attached report ), nor is there a bankruptcy reported on my XXXX report ( see attached report ). To quote the reply from my 1st complaint ( see attached response to my 1st complaint ) TransUnion has verified that the bankruptcy information reported in Ms. XXXX credit report accurately reflects the public record of the United States Federal Bankruptcy Court, and is currently reported on their credit report as permitted by federal law. The only other way it could possibly be reported is through PACER. I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, TransUnion provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- " PERSONAL IDENTIFICATION DEFINED AS INDIVIDUALS SOCIAL SECURITY & TAXPAYER IDENTIFICATION NUMBERS, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF FINANCIAL ACCOUNT NUMBERS, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER or any other agency is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires " you to notify the party who furnished the disputed information '', TransUnion would also be in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits " unfair or deceptive acts or practices '' by purposely reporting information that they have " assumed '' is verifiable based off circumstance.

TransUnion has failed numerous times to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. This is my last attempt for them to rectify this serious and inaccurate reporting error. My next step will be small claims court where I will be seeking {$1000.00} per violation of 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act.

Finally, TransUnion claims to not have my current address. That is a false statement as they have sent numerous documents to me over the past 9 months.
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MN)

I ordered some things from XXXX previously. They had the option of getting {$50.00} off for opening a Chase Credit Card. I opened the Chase Credit card. Later I ordered some items and put it on my debit card. I never heard anything until about 6 mos later stating I owed an amount of {$220.00}. They could not tell me what items had been purchased. Chase said I would have to call XXXX and they could not tell me what the items were either. I knew I had not charged anything on the Chase card. So I asked them to report it as fraud. 

A few mos later I got another bill stating they associated it with my email. They named off items I had ordered but I never put anything on a chase card. I always ordered things with my debit checking account. 

Supposedly, according to them I put three amounts on the Chase card on XX/XX/XXXX. {$28.00}, {$82.00}, and {$110.00}. 

Now they are sending me to a collections agency. I am upset that they are being dishonest and trying to say that I put things on the Chase card when I never did. And why didn't they bill me immediately after the order. I feel they are being dishonest.
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I have been locked out of my virtual currency account. Coinbase has my money trapped inside there system. I went to use my account one day and coinbase had logged me out, I went through the 2 step verification process and for no fault of my own the verification failed. As a result my account is locked with roughly XXXX inside which can not be accessed. I have emailed, rang, posted to XXXX and XXXX and although I have received a reply telling me they are processing my request it has now been locked since the XXXX of XXXX. My case number is XXXX. I simply want the account unlocked as there is nothing wrong with it and I have reset the password as coinbase requested. 

Kind regards, XXXX.
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

Synchrony secures multiple cards that I use and their website consistently will not allow access to your account. Lowes, Macy 's and others typically put you in a loop asking for password when entered say it is incorrect. if you attempt to change when done it brings you to a blank screen, XXXX.do, always. If you call, as they offer no online services at all, you are either put on hold for over 20 minutes or given someone who speaks very little Englsih. Of course if you do not do that they just keep tacking on late fees. This is EVERY MONTH. All I want to do is pay my bill, not too much to ask. Tired of their intentional mishandling to secure additional fees. Tried filing with the XXXX but they chose to ignore the complaint and refused to respond.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

In XXXX Jefferson Capital had a debt on my report that was not mine. I disputed it and it was removed from my reports. As of XX/XX/2022 it appeared again, I asked them numerous times to correct their mistakes. And because of their errors my credit score has went down. Please remove it.
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

I had a collection account with Portfolio Recovery for the original creditor being XXXX XXXX. I contacted Portfolio Recovery by phone on XX/XX/19 and asked them if I paid the collection would they delete the tradeline on my credit report. They said that they do that for all there collections. It even goes as far to state that on their website. So I paid the amount they requested and here it is over a month later and when I went to check my XXXX  credit report and it is still there. It has not been deleted and all they did was update that it was paid. This is not what they stated they would do with their tactics to get my money. I was even told by the person I talked to, to make a recording of him saying they would delete it. I tried to dispute this with XXXX directly but they did not delete the tradeline.
Consumer complaint received 2017-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have filed XXXX to Transunion, XXXX & XXXX XXXX have XXXX XXXX XXXX off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which XXXX XXXX, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all XXXX credit bureaus.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I found inquiries in my account that i have no idea of, nor did i ever allow to be there. I asked the bureaus to removed them a couple of times but thay just so stern and kept them there. Now my scores are hurting because of this. Please help me remove them.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. 

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 2019-09-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CO)

I do not have dates currently but wanted a record of a formal complaint. I have since consolidated but loans but previously had them with navient. I was a student that they offered forbearance to and they did not speak about income driven payment until it was in the news. The cost of the forbearance was that it just about doubled my loans. The final number ended up being {$160000.00} and should have been around {$80000.00}. 

I would also send in payments weekly and noticed they were not allocating my payments correctly. They would claim it was a glitch in the system. Due to the way interest is added I will never know if all my payments were ever accurately fixed. It just felt wrong they were able to claim a glitch a move on. I am happy to provide any details in the event you need further information.
Consumer complaint received 2017-08-18
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (VA)

ON XX/XX/2017 THEY REPEATEDLY CALLED. AT XXXX XXXX WAS FIRST THEN XXXX, XXXX, XXXX & XXXX XXXX. I 'VE TOLD THEM I WORK THE HOURS OF XXXX-XXXX AND CAN NOT TAKE THE CALLS BUT THEY CONTINUE TO CALL. THEY ALSO CALL MY MOTHER, SISTER AND FRIEND THAT I USED AS REFERENCES ON LOAN 16 YRS AGO. MY MOTHER IS XXXX YRS OLD AND THEY CALL HER BACK TO BACK AND SHE 'S TOLD THEM TO STOP AND THEY STILL CALL. THEY 'VE SHARED MY DEBT INFO WITH ALL THE PEOPLE THAT THEY CALL AS WELL. THIS IS N'T JUST TODAY. ITS EVERYDAY
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conns appliances is repeatedly calling my home. They call atleast 8 times a day. Sometimes they just hold the phone because my husband answers the phone. It is ok for them to call and remind me, however constant calls are a form of harassment. I have informed them that they should not call after XXXX. I get calls up to XXXX. They have disclosed my information to my husband without my permission. I have asked to remove my number from the automatic dialer with no result.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Well i got capital one card never used it then it was used fraud and all charges on it were not made by me at all then i was fraudly paid off then i told them i did not make any of the charges and they cleared it so told them to cancel it i cut card up now on XX/XX/XXXX i got phone call and ssyed i owed it and the store is saying to them i did it but i never did and about to scream i found the person who did it her name is XXXX XXXX on XXXX and XXXX and her number is XXXX ( XXXX ) XXXX get her in trouble for fraud me
Consumer complaint received 2017-10-03
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: CITIBANK, N.A. (FL)

On XXXX XXXX, XXXX I went on XXXX to book a hotel on XXXX XXXX. Like on most of the websites you search for the place you want to stay and dates. After I got the confirmation Email I noticed that the hotel they booked me was in a completely different XXXX Island that I didnt search for. I called XXXX to get this resolved and they answer was simply that they cant refund anything. Causing me for that reason to book my XXXX trip with XXXX for pretty much the same amount using the same credit card so i can prove lateer on to citibank what XXXX did. So I went ahead and file a complain with Citi bank on the credit card they charge me to get this fraudulent transaction reported. After a month I received a letter from Citi saying that they reverse the transactions because XXXX simple response and said that my transaction was not refundable. This is stealing consumers money, plain and simple. I feel betrayed by Citibank which i been with them for many years. 
Date XXXX/XXXX/XXXX Ammount {$1400.00}
Consumer complaint received 2017-01-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

XXXX did not bill our insurance as we requested, then turned us over to CMRE collection agency. We paid CMRE because we were in the process of applying for a mortgage loan. Since then, our insurance was billed and they have paid. We have been unable to obtain reimbursement for the {$1200.00} that we paid.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (NV)

I filed my Taxes with XXXX XXXX. They gave me a temporary card where my taxes will be deposited to. I was giving a {$500.00} early tax money deposit as I wait a few weeks for the remaining of my taxes and a personalized card so as weeks went on checked for my card and never received a personalized card, so out of curiosity I checked the XXXX  app on XX/XX/2024 to see what was going on, to notice my {$2400.00} was deposited on XX/XX/2024 and my account missing all my money for that tax deposit I have never received a card till this day I filed a dispute with the company and just got a email saying Im at fault and there was no error and Im not getting my hard working text money back I have attached the fraud dispute forms they asked me to send to them with all the amounts XXXX {$400.00} XXXX {$300.00} XXXX {$300.00} XXXX {$500.00} XXXX {$400.00} XXXX {$340.00} XXXX {$4.00} XXXX {$78.00} XXXX {$6.00}