davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (GA)

I received a call on XXXX/XXXX/XXXX at approximately XXXX XXXX  on my work phone from XXXX ( XXXX XXXX XXXX ). The man stated I had an outstanding debt to XXXX XXXX XXXX XXXX in the amount of {$200.00}, and did I want to settle the debt by phone. I attempted to explain to the caller my credit card with Sears was more than 25 years old and I knew my mother had paid the debt in full. The call turned hostile when I asked the caller to provide details on the amount owed by letter or fax. He told me he did not have to provide details, I knew what I owed. He told me he knew where I lived, specifically providing my home address, he knew what kind of car I drove, ( XXXX ) and he would be calling my employer regarding this outstanding debt. I hung up without giving additional details. I called back at XXXX XXXX, after reading the specifics on the Federal Trade Commissioners website about the Fair Credit Act. A man who identified himself as the General Manager got on the call and proceeded in a more abrasive confrontation manner stating if I paid the debt by phone the calls would stop. I attempted to read the statute of limitations, the right to request details on the debt and the right not to receive threatening calls on my job or my personal phone. He stated a collections notice was mailed to me two weeks ago. I attempted to explain I had not received the notice and could he fax it to my attention. He said no he was not required to provide me with details, my debt did not go away no matter how old and I needed to pay or he would proceed with taking action by calling my employer, filing charges and suing me. I told him without proof of debt I would not continue the call and would proceed with the law, as regulated by the Fair Credit Act.  He was belligerent, unnecessarily hostile and would not allow me to speak. I hung up on the call again. I was no longer going to me insulted by his hostile voice, threatening tactics of calling my employer or coming to my home.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} 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 Balance : {$9400.00} XXXX XXXX Balance XXXX {$910.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

During initial contact with Equifax, I disputed this account. I was sent a check from XXXX XXXX XXXX in the amount of {$240.00} issued XX/XX/XXXX which states the date of loss is XX/XX/XXXX which prove this account was paid. I have yet to receive a response from XXXX XXXX. I contacted XXXX on the morning of XXXX XXXX. I asked for the contract to be sent to me I was told that I would receive a call back. I never received a call. I contacted XXXX Certified Mail Receipt on XX/XX/XXXX for validation and a notification of disposition, waited 14 days, no response. I contacted XXXX again on XX/XX/XXXX certified mail as well regarding the same accounts. According to 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT there should be a response within 14 days regarding information referring to " collateral. '' This account is paid and has been paid, this company is reporting two separate accounts regarding these experiences. Please remove these late payment or " experiences '' from my credit report in failure to respond in the allotted time and report accurate credit information.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Company refuses to fix factual disputes, Charge off account showing currently showing past due, Collection accounts with a credit limit, Accounts that are incorrectly reported as late or delinquent, Open charge off accounts,
Consumer complaint received 2019-08-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (OR)

Ability Recovery Services contacted me on XX/XX/19. the representative did not disclose her name, company name, the recording of the call, or mini-miranda. She asked if I could make a payment and I stated no. She then hung up. I called back and requested to speak to a supervisor. I was hung up on. I called again and made the same request. I was told I needed to find something better to do and was hung up. I called back and repeated my request a 3rd time. I was told that just because i was a collector ( untrue ) I didn't know all the laws and was hung up on. I called again and the same request for a 4th time. I was told supervisors and managers were unavailable and was asked why I needed to speak to one. I informed the rep that I had been called earlier and not mini-mirandized and the rep had not identified herself or her company. The rep stated a supervisor or manager would call back within 48 hours. Ten days later, I have still not received that call. Ability Recovery Services violated the FDCPA. 

A complaint with XXXX  was filed. 

Re : Complaint ID XXXX ; Ability Recovery Services LLC Dear XXXX : The company responded to your submission and we are passing it along to you. The contents of this message are below or attached. Please respond to this message in written form within 10 days. 

The text of your complaint may be publicly posted on XXXXs Web site ( XXXX reserves the right to not post in accordance with XXXX  policy ). Please do not include any personally identifiable information when you tell us about your problem or in your desired outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. XXXX may edit your complaint to protect privacy rights and to remove inappropriate language. 

Sincerely, XXXX XXXX XXXX MESSAGE FROM BUSINESS : This matter has been placed in a properly disputed status, along with credit reporting bureaus. The Compliance Department has been advised to pull all recordings for this matter and address the collector for reprimand and retraining. Our office will have a Supervisor contact to assist Consumer in resolving this matter. Thank you
Consumer complaint received 2019-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (HI)

This debt was originally sold by XXXX to a company called XXXX   XXXX XXXX. I set up a dispute via XXXX and this debt was deleted in February of 2019. The original dispute report number via XXXX  is XXXX for $XXXX. This same debt was then given to a new collections company called Online Collections. I set up a new dispute via XXXX and lost that dispute. This collections account is only showing up via XXXX at this time.
Consumer complaint received 2019-08-17
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: EQUIFAX, INC. (NC)

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX, XXXX, XXXX, DEPT OF ED, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, DEPT OF ED, XXXX, XXXXXXXX XXXX XXXX If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NE)

On XX/XX/XXXX I clicked on the banner add on my Chime account offering a limited time {$170.00} referral bonus for me and a {$100.00} bonus for the person I referred. The banner provided a link which my husband who I referred used to open his account. 
XX/XX/XXXX - my husband called Chime and was told we had to wait 2 days for the referral bonus to go in and all was good with the deposit. 

As of XX/XX/XXXX, neither of us had received any referral bonus. After calling in multiple times on XX/XX/XXXX, agents were able to confirm that we met all the requirements and manually credited us each {$100.00} because the system failed to recognize my husband 's Direct Deposit transfer from his employer but he refused to honor the additional {$75.00} to my account. 

I was advised to call back and did so immediately to address my account and ticket number XXXX was opened and reviewed by an agent identifying herself only as XXXX claiming they did not have any employee identification numbers. She stated that the {$75.00} would have to appear automatically understanding that the system failed to recognize the {$100.00} deposit and had to be done manually. She stated clearly adn directly that Chime as an organization had no way to manually honor that agreement and further escalation to any other department would result in the same information. If it didn't happen automatically there was no way to do it. 

I want the {$75.00} owed to my account as Chime has confirmed that we met all the requirements, used the correct link and met the timeline and amount necessary.
Consumer complaint received 2021-03-29
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: EQUIFAX, INC. (NY)

Theres unauthorized inquiries on my credit report and I would like to have them removed XXXX  removed these disputed inquiries but Equifax and XXXX  hasnt all three credit bureaus are reporting different inquiries
Consumer complaint received 2019-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (CA)

XXXX XXXX Hospital sent a bill that was paid by insurance to collections. I reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 

I contacted Equifax twice providing them the correspondence and documents stating their was no amount owed for the medical bill because it had been paid in full by insurance. However, Equifax negligently kept this report on my credit record causing reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 






XXXX XXXX Hospital sent a bill that was paid by insurance to collections. I reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and  found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 

I contacted Equifax twice providing them the correspondence and documents stating their was no amount owed for the medical bill because it had been paid in full by insurance. However, Equifax negligently kept this report on my credit record causing great damage to my credit record and costing me hundreds of dollars more on an auto loan because of this false report.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The address, birth date and employer name on my equifax credit report seems wrong. I am in the process of changing my apartment and when they tried to pull up my information from equifax, it showed the wrong birthdate, address and employment information.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CT)

On XX/XX/2019 I called Santander bank to have my monthly car payments withdrawn on theXX/XX/XXXX of every month starting XX/XX/XXXX until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at Santander that I was all set up and my automatic payments would startXX/XX/XXXX. I received my XX/XX/2019 bank statement from my personal bank and saw my car payment did not come out. I immediately called Santander and was told they have been having computer issues and will fix my account. I paid them Santander XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from experian that o was two payments late. I called Santander to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.
Consumer complaint received 2017-12-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

Three years ago, I went into XXXX ( XXXX, GA ) for a title loan. I submitted my vehicle title in exchange for approximately {$7000.00}. XXXX failed to properly explain the process and they NEVER, EVER mentioned that the entire amount would need to be paid in 30 days. I never would have accepted the load had the process been clearly explained. Month after month, year after year, I 've paid on a loan that is like a bottomless pit. To date, I have paid over {$20000.00} on a {$7000.00} loan. ( I will upload the documents verifying this amount ). The balance I now owe is more than the {$7.00}, XXXX I originally received. I have applied numerous times for a settlement and each time I was told, " No. '' The management has changed at least 6 times since XXXX. At least XXXX managers have told me that they do n't understand " why my case is being treated differently and that other customers in the past have paid $ XXXX {$3000.00} and their titles have been returned ''. Why? How? How is it acceptable and legal? My husband recently lost his job due to medical issues and I am the sole provider for my family. I simply can not afford to this loan ( $ XXXX ) any longer. Please help my family CFPB.
Consumer complaint received 2024-02-03
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. (GA)

I see that the same account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the incorrect account that needs to be reinvestigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical-Commercial Audit Inc (IL)

I never signed any note with this company stating that I would pay them for services. I never gave permission to this company or any other company to report my personal information to another company or consumer. I called to rectify with company and was put on call block list and was told that they would cease and desist communication with myself and credit bureau but I am still seeing mca management listed on my credit report I would like all information from mca removed from my credit report
Consumer complaint received 2021-05-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Vance & Huffman LLC.. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2019-08-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp. (TN)

On XX/XX/2019a charge was attempted on my debit card for $XXXX from 'WORLDREMIT', a money transfer company. The charge was attempted at approximately XXXX CST. After calling my bank, it was found that WorldRemit had the billing address wrong for the card, so the charge did not go through. Because this was an unauthorized transaction, my debit card was cancelled. On XX/XX/2019a charge was attempted on my mother's debit card for approximately $XXXX from 'WORLDREMIT'. The charge was attempted at approximately XXXX CST. The charge on her account went through, and the money was withdrawn. As of this moment, a hold has been put on her account and she is reporting the fraudulent charged to the bank. Both my mother and I use the same bank, the XXXX XXXX XXXX XXXX XXXX, neither of us have ever used the money transfer service WorldRemit before.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

The credit bureaus insist on reporting a dismissed bankruptcy on my credit report, as a matter of law, anything that's have been dismissed or adjudicated should not be on your credit report. Furthermore, the credit bureaus keep saying they have verified the account but the court saying they don't report to the credit bureaus so how can that be? And if they are using a third party to report information then it's hearsay because there's no way to verify its accurate.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NY)

In 3Q 2018, I closed my Amazon Synchrony store credit card with two sets of balances : credit balance ( around {$70.00} ) and reward points ( around {$90.00} ). I called Synchrony to check the status of my refunds and was told that reward points are forfeit if I don't specifically request the points prior to closing the account. 

In XX/XX/2018, I submitted a complaint demanding a refund or a written explanation. Synchrony responded with a form letter thanking me for my " inquiry '' and gave me an 1-800 number to call back. 

1026.11 ( a ) defines credit balance as amounts held for the benefit of the consumer. Reward points are beneficial quantifies of amounts redeemable for statement credits. Therefore, reward points hold certain convertible and explicit dollar value at the time of redemption or account termination. However, Synchrony short circuits Reg. Z by claiming that reward points have no dollar value : 1 ) until redeemed, or 2 ) if the account is closed prior to account termination. Synchrony should not be allowed to yank balances from consumers prior to or after an account termination.