davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MN)

I received a notice in the mail on XX/XX/XXXX from a collection Debt company called XXXX XXXX XXXX. XXXX for a amount of {$620.00} from a company called XXXX XXXX based in XXXX, Michigan which is back dated to XX/XX/XXXX. I have never gotten a notice form XXXX XXXX for any unpaid balances nor have I ever lived in XXXX or signed up with the company XXXX XXXX. I have called XXXX XXXX as they told me I would need to fix it with the collection agency XXXX XXXX XXXX. I also filed with XXXX credit for fraud and Identity theft. They could not resolve the situation and XXXX XXXX XXXX. XXXX has said that I need to Supply more information. But when asked what is needed to supply it isn't a straight answer. I've been dealing with this for over 2 months now because everything is mail from XXXX XXXX XXXX. XXXX and it has taken a toll on my credit dropping a significant amount in point.
Consumer complaint received 2022-05-03
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. (FL)

Im accordance with the Fait Credit Reporting act XXXX account XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **** has 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 an account without my written instructions.
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

In XX/XX/2018 I opened a Citi Double Cash Card. I received an advert in the mail stating that if I signed up, I would receive a APR of 17.99 %. I applied for the card, and was approved. However, I forgot to submit the promotional code since I applied while at work, away from home. 

I called Citi about the issue, and received a letter in the mail stating that my current APR 23.24 % was the lowest I could receive. I asked for clarification, given that I had an advert stating I would receive 17.99 %. I did not receive a response to this, just a letter stating my current 23.24 % was the lowest I could receive.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : I SHOULDN'T HAVE ANY LATE PAYMENTS ON THIS ACCOUNT - NEVER LATE! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I sent a goodwill letter to XXXX/XXXX XXXX because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead XXXX/XXXX XXXX reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When XXXX/XXXX XXXX reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet XXXX has damaged my credit further. I hear about XXXX XXXX damaging many peoples credit with their practices. I repeat a goodwill letter was sent to XXXX/XXXX XXXX - not a dispute letter.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I sent a goodwill letter to XXXX/XXXX XXXX because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead XXXX/XXXX XXXX reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When XXXX/XXXX XXXX reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet XXXX has damaged my credit further. I hear about XXXX XXXX   damaging many peoples credit with their practices. I repeat a goodwill letter was sent to XXXX/XXXX XXXX - not a dispute letter.
Consumer complaint received 2020-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BC SERVICES, INC. (CO)

I DO NOT OWE THIS DEBT. IT WAS INCLUDED IN MY BANKRUPTCY WHICH WAS ALREADY DISCHARGED. ATTACHED, YOU WILL FIND A COPY OF MY BANKRUPTCY DISCHARGE LETTER. I ALSO ATTACHED PROOF OF A CERTIFIED LETTER I SENT TO BC SERVICES.
Consumer complaint received 2018-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Around XX/XX/2018, I received a letter from Portfolio Recovery Associates in regards to a debt they acquired from XXXX XXXX, accounts ending in XXXX and XXXX. Within 30 days I responded with debt validation. During the period of dispute Portfolio sent a letter on XX/XX/XXXX attempting to collect. Violation # 1 per CFPB. Letter is  attached. 

https : XXXX Portfolio can NOT deny that I sent a letter to dispute because on XX/XX/XXXX their Dispute Department sent verification documentation which asked if I would like to request additional information to VALIDATE. 

Only XX/XX/XXXX Portfolio Recovery sends out a letter stating that they have reviewed my dispute and WRONGFULLY used FCRA to consider this matter closed. 
They also state that if they receive anything else regarding a dispute they will considered the inquiry answered. Letter attached ALSO, on  XX/XX/XXXX stated in letter that they previously requested additional information so that they could complete their investigation. THIS was sent THREE days after the letter I received on XX/XX/XXXX. In this letter they state that they will not complete the investigation. Letter attached HOW CAN A CONSUMER RESPOND TO SEND ADDITIONAL INFORMATION IN A THREE DAY TIME FRAME? 

Portfolio has not only violated my rights under FCRA but have also violated FDCPA laws. This company is using unethical and shady tactics to deter the dispute process that I have EVERY right to as a consumer. How am I suppose to handle said alleged debt if the company is not in compliance from the start?
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I leased a vehicle in XX/XX/2016 and corresponding 3 year financing ( {$9700.00} ) through XXXX XXXX. Currently, my open balance is {$500.00}. My credit reports shows the open balance but, there is no reporting of a related Credit Limit or High Balance. The failure to report the Credit Limit negatively impacts my credit score as shown in the attached documents. I submitted disputes to both the Credit Reporting Agency ( Experian and directly with XXXX XXXX ) to no avail. The results of the most recent Experian Re-Investigation is included.
Consumer complaint received 2018-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

Navient have been charging hidden excessive fees for forbearance they issue to me. In addition, the principal of my debt is overstated. Just in a couple of years or so, my debt balance went from {$78.00} K to $ XXXX. All the explanations their agents give me on phone are evasive and not convincing. I requested all the promissory notes I have signed. They have not replied yet.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I made a request for {$300.00} to be XXXX XXXX  to myself. On XX/XX/XXXX I recieved {$300.00}. I check my account after picking up the funds to find Bank of America deducted {$400.00} out of my account plus a {$15.00} transfer fee. I immediately called Bank of America to find out why and was put on hold for 2 hours then hung up on this repeated 3 times. When I finally reached someone who seemed to want to help they informed me XXXX was sent and I should have recieved XXXX. Since I didn't make a request for XXXX I informed her it was incorrect and requested the money be returned to my account. I was once again asked to hold in which an hour later was hung up on. 

It is now XX/XX/2020 and I have still not had access to my missing XXXX dollars. XXXX XXXX has no record of the XXXX request and Bank of America repeatedly tells me they will fix this issue but has done nothing. I demanded my phone calls be listened to so they know I never requested XXXX dollars so they had no right to change the amount. I am on unemployment which is lower money than I usually have access to. Having a large powerful rich bank steal XXXX dollars from me is financially destructive to my family 's wellbeing and livelihood. I am disgusted.
Consumer complaint received 2020-01-28
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. (GA)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$410.00} on XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have never, not now nor in the past, had a credit card with either XXXX or XXXX. These accounts are being reporting in error and need to be removed from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-06-25
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: Experian Information Solutions Inc. (CA)

On ( XXXX XXXX XXXX ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Consumer complaint received 2019-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (AZ)

I have called CONNs to try to pay my bill and handle the situation twice now. The first time ( XXXX ) they sent me to XXXX XXXX XXXX. ( XXXX ) I spoke to the manager there by the name of XXXX XXXX ex. XXXX. She informed me that they have closed & canceled my account with them & sent it back to CONNs on XX/XX/2019. 
Today I tried calling CONNs again to pay my bill and they said its still in collections with XXXX XXXX and kept giving me the run around. So, I asked to speak to a manager. I spoke to a lady by the name of XXXX. I asked her if I could just pay it off, she wouldnt let me because its in a different department but even she is unsure what department that is because he records indicate that XXXX XXXX still has the account. Im not sure what to do from here. 
The lady said she would send it up to the off line department to find out where its at or who has the account. 

Conns account # XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

This letter is to inform you that i recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your file as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. 
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 2021-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (OH)

On XX/XX/2021, THE CBE GROUP INC-FORMER add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE CBE GROUP INC-FORMER has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-08-17
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Winklevoss Exchange LLC (NY)

I disputed the charges and file a complaint with the XXXX XXXX XXXX XXXX to send a complaint to the " hotel '' and their percent company provided photos of broken tiles and thorn seats explained it all left after 2 days and was charged XXXX for that. and it was not a functional hotel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX for {$650.00} submitted on XX/XX/2023. 


I am writing to appeal the decision regarding my recent billing dispute for a stay at [ Hotel Name ] in XXXX XXXX, MD from [ Dates of Stay ]. I booked this hotel specifically because they advertised having suites with kitchens, which my family requires to observe XXXXXXXX XXXX XXXX 

Upon arriving at the hotel, we discovered it was under extensive renovations with no services- contrary to what was represented during the booking. The property was unsafe and uninhabitable, with a dumpster out front and no staff besides one person who instructed us to throw our own garbage outside. 

I disputed the charges for the unused portion of our reservation, but you sided with the hotel 's version of events without conducting a proper investigation. I have provided photographic evidence clearly showing the hotel 's unacceptable condition. 

It is unjust for you to reimburse the hotel when they misled us and failed to provide habitable accommodations. As a loyal customer for [ XXXX years ], I kindly request that you reconsider your decision in light of the supporting documents provided. Please refund the charges for the [ 2 ] nights we did not stay at the property. I am reasonable in my willingness to pay for the nights used, although the stay was extremely unsatisfactory. 

I look forward to your prompt response and handling of this appeal, as the disputed amount of [ Charge amount ] is a financial burden. Please contact me at [ phone ] or [ email ] with any questions. I hope we can swiftly resolve this issue to our mutual satisfaction. 

Thank you for your attention to this matter.
Consumer complaint received 2020-01-28
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: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Cash central has put this debt on my credit multiple times. I found the last complaint with the CFPB involving XXXX XXXX that resulted in the removal. Complaint ending in XXXX. At that time Cash Central did not supply XXXX XXXX with documentation confirming the debt and it was removed due to the debt being erroneously put on my report. You can find this compliant that was submitted to the CFPB on XX/XX/2018. Cash central has a history of putting incorrect information on peoples credit reports which can be found at this link XXXX XXXX XXXX 


At this point, Nothing further should be needed from me. This debt has been proven countless times to not be mine. Again, when a debt is found to be erroneous, it is illegal to re report that same debt to the credit bureaus. I received a letter from XXXX XXXX that they did not see the account reported any longer. Cash Central, if you have re reported again, please comply with the law and remove effective immediately.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (AZ)

Citi credit card approved me with a {$1000.00} credit limit. I received letters and emails congratulating me on being approved and welcoming me to the Citi thank you card.

When I received the cards in the mail ( one for me and one authorized user ) I called the number on card to activate as instructed.

Citi employees said they could not activate my cards. Said they needed to send me a text with a code to verify, then said that their system would not allow them to send text???

I called 5 different times and got the same ridiculous answers. I did try to activate online but Citi website did not function properly but I was able to set up online account access with Citi mobile app!!!

I am frustrated with Citi. I instructed their representatives to close my account since they could not activate. They said that they could not close my account as I requested???

So, I have a credit card issued by Citi with {$1000.00} credit limit, can not use card because they say that they can not activate it, and they refuse to close my account as I requested!?!?!?

Citi is not a reputable company and I believe has committed fraud.
Consumer complaint received 2020-10-22
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: JPMORGAN CHASE & CO. (NY)

Request for an Appeal I disagree with an outcome of the billing dispute for the amount of {$1600.00} with XXXX, charge been posted on XX/XX/2020 on my XXXX XXXX XXXX account. 

On XX/XX/2020 Ive filed a billing dispute with XXXX for the amount of {$1600.00}, reason for the dispute was Ive returned the merchandise back to the merchant within return policy, yet wasnt refunded. The reason for the return was that the product Ive purchased ( XXXX XXXX  XXXX XXXX XXXX ) had defective matrix. 

The item had been shipped via XXXX Tracking XXXX and delivered as of XX/XX/2020. When I was filing a dispute via the Chase app the only thing the system requested is the tracking information and the date when the item was returned, which had been disclosed. 

Since XX/XX/2020 I havent received any other request for an additional information which clearly shows on my account in Notices and letters sections. On XX/XX/2020 Ive received a letter stating, that the dispute was closed into merchants favor due to the lack of the supporting information. 

Im asking Chase to reopen a billing dispute and consider the documents attached such as but not limited to : ( 1 ) Copy of the Return request form indicating XXXX Return address ( 2 ) Copy of the shipping label indicating XXXX as a recipient ( 3 ) Copy of the tracking information associated with XXXX tracking XXXX Kindly acknowledge the supporting documents attached below and credit back {$1600.00} to my XXXX account. 


Kind regards, XXXX XXXX