davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (IN)

Discover Bank is in violation of their Arbitration Clause and Contract Agreement. XX/XX/XXXX, Discover Bank filed suit against me in Small Claims Court for an alleged debt of {$3900.00}. We agreed to arbitration XX/XX/XXXX through XXXX. XXXX refused to arbitrate and pay fees even though they had agreed to. XXXX, XXXX, XXXX, XXXX and XXXX, XXXX sent XXXX a letter requesting they pay the arbitration fees. XX/XX/XXXX, Small Claim Court Judge compelled XXXX to arbitrate. Discover refused to pay fees and arbitrate after being compelled. XX/XX/XXXX, XXXX   CLOSED arbitration case because XXXX refused to pay. XXXX breached Arbitration Clause and Contract Agreement. I received a letter dated XX/XX/XXXX from Counsel for XXXX   stating XXXX did not want to arbitrate because it was too expensive. I sent a letter to the Counsel for XXXX and made an offer of " XXXX XXXX XXXX '' but they never responded. 

XXXX defaulted for refusing to pay XXXX arbitration fees. 
XXXX XXXX failure to pay XXXX was a Material Breach of Contract. 

XX/XX/XXXX, XXXX filed Arbitration against me for the same alleged debt of {$3900.00} over 2 years after I filed Arbitration and 1 1/2 years after XXXX  closed case due to XXXX XXXX failure to pay. The alleged debt is time-barred. XXXX has filed arbitration for a debt that is time-barred, misrepresented facts, defaulted in Arbitration and breached their Contract Agreement. XXXX has violated FDCPA and continues to violate. FDCPA. 

XXXX states they will NOT arbitrate a small claim. This alleged debt is a small claim which is another breach of their contract agreement.
Consumer complaint received 2022-02-19
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Maximus Federal Services, Inc. (GA)

I attended XXXX XXXX as well as XXXX  from XXXX to about XXXX between both schools I currently owe {$90000.00} in student loans. I havent been about to land a job with neither due to the school not being considered acceptable to a lot of different companies. This has really been hard for me as well as being able to even afford to pay the loans off. Can someone please help me with this issue! XXXX XXXX has closed down and has even made things worst for me when trying to get a job!
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX Capital One ... 
Its has come to my attention that Capital one Has been party in preitory lending scams. .when I signed up for the journey of XXXX XXXX, I had no ideal ..The amount of money I have paid in fees, That are really masked payments, to get money from, unsuspecting customers.. 
I got cash advance loans and cerdit spending limits from capital one. Totaling less than XXXX XXXX, after all was said in done, after padding the debt with cerdit cards fees on every payment, and maintaince fees, on every account, i have paid my cerdit card debt twice over, if it was not do to Capital one ..I have sat down with my hard copies statements,, ,I requested a summary of the fees to prove my point.. 
But it has went to death ears,,, I will not be put in debt, due to under haned legal action .In fact the agreement is binding, unless broken, you Capital one broke the trust i have for Capital one ... Check out the information contained in my account, cerdit and personal. I have a excellent payment history ..I await a response of any kind. .. 
Other than XXXX XXXX XXXX , Financial Banking authority,, Or whomever, I will be responsible and delivering this message, I will keep my business activities to a minimum, until this matter is handle fair and just ...
Consumer complaint received 2015-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

We filed a complaint about JP Morgan Chase Bank handling of our account and foreclosing on our property when we had a written offer for a short sale for {$15000.00} more than what the property foreclosed on. They responded claiming we were not approved for a short sale which we have documentation that we were. They also stated that our offer was missing the short sale addendum which it was not
Consumer complaint received 2022-02-19
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (IL)

I closed this account but they contacted my XXXX XXXX and reopened it with him, I asked to be removed from account they will not so I insisted they close again. Now XXXX years later XXXX is not paying but discover will not allow me to pay because I dont not know mailing address, card number or security question but they can pull up account by my ss #. If they will not allow me to pay it should not be reported to my bureau dropping my score significantly. XXXX XXXX removed this account I would like all bureaus to see this as well and remove this account. I dont think I should be accountable for something I cant control. I spoke to supervisors at discover and they apologized but could do nothing for me
Consumer complaint received 2023-09-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

- XX/XX/XXXX : Move Out agreement and early termination of lease was granted by lessor XXXX XXXX XXXX XXXX in XXXX Al. ) XXXX XX/XX/XXXX -- Letter to request " Validation '' of debt that has fallen under my name. 
- On XX/XX/XXXX -- A letter was received from Rent Recovery Solutions using an expired lease from XXXX XXXX XXXX, which was terminated prematurely by finding a Subleasor to take over remaining lease term from XX/XX/XXXX -- XX/XX/XXXX ; Move out agreement was signed on XX/XX/XXXX and given to XXXX XXXX XXXX in XXXX, AL.
Consumer complaint received 2020-05-28
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. (MS)

I Have of submitted my Identity theft paperwork from The FTC as Im am a victim, and the credit reporting Bureau refuse to remove accounts that are affecting my credit, and this act is greatly affecting my ability to get credit, I'm looking to do a refi on my house.
Consumer complaint received 2022-09-07
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. (GA)

I Pulled an Updated copy of my consumer Report and I found that Experian has information reporting that I didn't consent to nor did I understand/ comprehend that they were furnishing information from XXXX XXXX XXXX didn't give either one of them express permission to report my nonpublic personal information or given the option to Opt-out. they are directly violating 15 USC 1681b permissible purpose of my consumer report. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued by section 5318 of title 31 or section 3486 of title 18.

( 2 ) By the written instructions of the consumer to whom it relates.

I never gave them Written instructions so any reporting isn't authorized not once did they reach out and ask if the information was accurate they aren't doing their job and assuming a vital role in the inaccurate information that's being reported to fix the issue now I hate that the banks have the upper hand because if this inaccurate information.
Consumer complaint received 2022-02-19
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. (AR)

I HAVE SUBMITTED SEVERAL DISPUTES TO THE BUREAUS ABOUT INCOMPLETE AND INCORRECT INFORMATION ON MY CREDIT REPORT. THE ERRORS ARE OBVIOUS AND BLATANT AND THEY FAIL TO INVESTIGATE AND REMOVE THESE ACCOUNTS. THERE ARE ACCOUNTS REPORTED ON ALL XXXX BUREAUS WITH DIFFERENT BALANCES BETWEEN THE XXXX BUREAUS. THIS ACCOUNT SHOULD BE REMOVED. INCOMPLETE INFORMATION ON ACCOUNTS. THEY HAVE INCORRECT PERSONAL INFORMATION, INCORRECT ADDRESSES, MISSPELLED NAMES.
Consumer complaint received 2018-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (IA)

Reporting to my XXXX credit report as XXXX XXXX I called XXXX  the address this was owed for I have never lived there. The balance is XXXX I have disputed this account and it remains unchanged.
Consumer complaint received 2015-11-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arnold Scott Harris, P.C. (IL)

On XXXX XXXX I received a letter in the mail from Arnold Scott Harris, P.C in an attempt to collect a debt I allegedly owe to the Illinois Tollway ( I do not owe this debt ) On XXXX XXXX, my credit card was charged in the amount of {$170.00} by XXXX XXXX, I did not authorize this transaction, I 've never had a conversation with this firm, I did not give them my credit card information, which is alarming because I do not know how they got this information. I called to inquire and she told me to fax my credit card statement to show the transaction and make sure the credit card number is on it so she can investigate ( I of course did not do that )
Consumer complaint received 2020-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (TX)

None of the options fit my complaint. I contacted Medical Data Systems regarding a medical debt with XXXX XXXX XXXX Hospital. I arranged payment in full with the understanding that this would be removed off my credit. The account is still showing on my credit report with a XXXX  balance. When I called back and spoke with my representative, XXXX, she told me she is not able to remove the debt since they do not buy the debt but work for the hospital. I called the hospital and was informed they sold the debt and Medical Data Systems would need to submit the deletion letter. 

Medical Data Systems XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I have been charged by Experian {$29.00} for months ( beginning XX/XX/XXXX thru XX/XX/XXXX ) for reporting services never requested. When I called, we were told that someone else had charged this monthly reporting service to our card and because we do not know the person who charged the service ( XXXX XXXX. ), these are fraudulent charges. Per Experian policy they are unable to reverse any fraudulent charges. They asked us to call our credit card company instead to contest the charges and stop payment. 

We attempted to escalate to a supervisor ( XXXX on XX/XX/XXXX ) who only confirmed that the charges could not be reversed. According to XXXX, there was no one with " higher experience '' to escalate beyond her and she was only able to give us a XXXX. XXXX number as the quickest way to attempt resolution ( though she also explained they will repeat what she is saying ). In other words, they will not resolve it. Our bank has agreed to block the merchant " Experian '' as we never have authorized charges with Experian. 

XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XXXX ( < -- XXXX said this email will only slow the process as it will simply provide you with above XXXX. XXXX address ) There are similar issues noted on other website : XXXX XXXX XXXX and here is a class action info on unauthorized Experian charges : XXXX XXXX XXXX
Consumer complaint received 2017-05-30
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: Onity Group Inc. (FL)

Originally I had asked them to remove the charge off wording on my credit report and they say they ca n't but what I do n't understand is why they submitted the same charge-off again on my credit report when I paid them off now they have it being charged off again on  XXXX   XXXX ,  XXXX  originally they charged it off on  XXXX   XXXX ,  XXXX . I do n't understand why they submitted it again preventing me not to be able to get a refinance of my mortgage.
Consumer complaint received 2022-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I the consumer made application for {$75000.00} consumer loan in good faith and credit was denied. USAA Federal Savings Bank is in violation of 15 U.S. Code 1642, USC 1681m and cfr 1002 because I, the consumer made an application in good faith, but funds was not issued. Furthermore, because my social security number ( Credit card ) was used and I received NO benefit this is proof of fraudulent activity ( unauthorized use of my credit card ssn ) on behalf of USAA Federal Savings Bank violated 15 USC 1643.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

ON XX/XX//18 A DISPUTE WAS SENT IN TO THE CREDIT BUREAU ASKING THEM TO VERIFY THAT XXXX XXXX XXXX  IS REPORTING 100 % ACCURATELY. I ALSO ASK FOR COPIES OF HOW, WHAT AND WHEN WAS THIS INFORMATION VERFIED ACCURATELY. I STILL HAVE YET TO RECIEVE THE INFORMATION ON THIS INACCURATE ACCOUNT. I HAVE ATTACHED CREDIT REPORTS THAT SHOWS THAT THE ACCOUNT WAS SETTLED THEN IT WAS REPORTED INACCURATELY ON MY ACCOUNT AGAIN CAUSING MY CREDIT SCORE TO DROP.
Consumer complaint received 2016-06-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

Citi performed what I can only describe as a bait-and-switch. I signed up for a CitiGold checking account at the end of XXXX XXXX using a promotion ( code : XXXX ) that offered XXXX AAdvantage Miles within 90 days of completing the following requirements : perform a bill payment in 2 consecutive months and make {$1000.00} in debit card purchases. I finished meeting those requirements on XXXX XXXX, XXXX and verified with a Citi representative over the phone that I met all of the requirements and would be receiving my miles. Not only did I not receive the miles by XXXX XXXX, XXXX ( 90 days after meeting the requirements ), but now Citi has told me that I was never eligible for the promotion and is ignoring the fact that one of their representatives told me I was eligible and had met the requirements. 

To elaborate, I waited until XXXX XXXX, 2 weeks after the latest date I was supposed to receive the miles, to send a secure message about the issue. At which point an investigation was opened and I was promised a response within 3-5 business days. I contacted Citi through their online chat after 5 days had passed without a response and a second request was placed, this time I was promised a response within 2 business days. After another 5 business days with no response, I contacted Citi over chat again and was this time basically told that I 'd hear back from the investigation when I hear back from the investigation. When I expressed my dissatisfaction I was given a phone number and told it was for the promotional department. The next day I called that number only to discover that it was Citi 's normal customer service number. After going through the prompts I was able to talk to a general customer service representative about the issue and was told she would personally contact the person assigned to my investigation and call me the next day. She did in fact call me the next day, making it the first time Citi ever followed up on their word, and that is when I found out the investigation team in the promotional department denied my claim while citing that I was never targeted for the promotion. 

So, in short, Citi baited me into signing up for a CitiGold account with a promotion, charged me {$30.00} a month in fees for the pleasure of dealing with their abysmal service, and then made up an excuse to deny me the bonus I earned through the promotion. After some research it is clear that Citi regularly defrauds their customers with these account bonuses. This is completely unacceptable and will not be tolerated.
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MO)

This account was settled and paid with XXXX XXXX  on XX/XX/16 in the amount of {$230.00} with a XXXX Representative by phone. Not only has the debt been paid, it also is reporting inaccurate on my credit report showing a balance of {$160.00} with an incorrect Credit Limit Amount {$230.00}. I have asked the Collection Agency to show validity of the debt as well as asking the original creditor to show me proof that this account is reporting 100 % accurately. I have sent these request into the Credit Bureaus, Creditor and Collection Agency and still no response or the items requested returned back to me.
Consumer complaint received 2023-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/22, I contracted with XXXX XXXX ( DBA Home Fix Experts ) to build a retaining wall in front of our house. As part of this agreement, I sent, on or about XX/XX/22, a {$3000.00} payment to XXXX XXXX via my Venmo account ( under email address XXXX ). Venmo withdrew the payment from our XXXX checking account and transferred it to XXXX XXXX 's account. Because we had only limited experience with XXXX XXXX, I also elected to use Venmo 's purchase protection feature, which charged a small fee to allegedly protect us from fraud or failure to provide services. Full terms can be found at https : //venmo.com/legal/us-user-agreement/ # venmo-purchase-program. The site specifically says that it applies to sales of both goods and services. 

Halfway through construction, XXXX XXXX stopped performing work with the wall half finished, and instead provided one excuse after another for the delays. He claimed to have ordered another pallet of stones on our behalf, which never arrived. He repeatedly claimed that a truck would come by to take away the trash in front of our house, which never happened. His employee ( XXXX XXXX ) showed up at our house and stated that XXXX XXXX never paid him. Finally, my husband called the place that provided the first shipment of stones ( XXXX XXXX ) and they said that XXXX XXXX 's credit card didn't work and that they'd been trying to track him down for payment for XXXX weeks. 

After all that, I contacted Virginia 's Department of Professional and XXXX XXXX, and found out that he was unlicensed and what he was doing was illegal. My husband texted him about all this, and he did admit to me via text that he is not licensed. 

When I contacted Venmo and attempted to get back our {$3000.00} via the purchase protection plan, Venmo opened an investigation, but closed it multiple times without informing me, gave me the runaround, and at one point even closed my account, preventing me from following up. After admitting that they closed the account in error, Venmo reviewed the available evidence again and concluded that we did not qualify for purchase protection because I was merely suffering from " XXXX 's Remorse ''. Since XXXX XXXX failed to provide the completed retaining wall that I contracted for, I don't believe that " Buyer 's Remorse '' is an accurate reflection of the issue. " Buyer 's Remorse '' describes a condition where the buyer is simply regretful after the full completion of a transaction. In this case, the service provider did not provide a completed service. 

I am happy to provide additional evidence if needed. We have a full SMS transcript of all my husbands interactions with XXXX XXXX, but the full file is XXXX.
Consumer complaint received 2017-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

On XXXX XXXX XXXX, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was an XXXX store card issued by Synchrony Bank. I contacted Synchrony Bank and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case, a notarized Affidavit of Fraud, a copy of the police report, and a request for information..This was mailed on XXXX/XXXX/XXXX. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.