davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc. (NV)

withholding my available balance from me stating, I need to get verified even though my account had already been fully verified and i could not verify any further, I tried but was prompted that I was already fully verified and that no further action could be taken. Skrill continued to ignore my request to release my current funds in the account and was told that if I close my account my funds would be released to a account of my choice. upon closing my account nothing took place other than Skrill taking my money and ignoring my emails or placing me on hold for hours at a time before hanging up on me.
Consumer complaint received 2019-03-02
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)

Reviewed several credit cards regarding the best sign up bonus. Reviewed on numerous sites including XXXX. based on rewards and sign up bonus I chose the citi pretige card. I have articles which show points offers of XXXX and XXXX before and after I signed up. Upon signing up I quickly spent the required amount to qualify for the sign up bonus. The points never came. I called several times to see the problem. Each time I was given different answers. First I was told I didn't qualify. I said I have a XXXX limit and XXXX credit score how don't I qualify. Next told that there was no offer. I presented the articles demonstrating the offers. Then Citi stopped responding.
Consumer complaint received 2017-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLD KEY CREDIT, INC. (FL)

A collection agency under the name " GoldKey Credit '' has reported a " past due '' debt of {$1300.00} on my credit report and is refusing to provide me with validation that I owe them this money. The account number on my report is # XXXX. I do not have any unpaid debts with this company as I have never done business with them. I mailed a request for verification on XXXX XXXX, XXXX and to this date, I have not received a detailed explanation explaining what this money is for. It is now XXXX XXXX, XXXX. I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The Better Business Bureau currently has a 80 % negative review rating and XXXX has countless stories of being involved in scam efforts. I will not give any money to a company with such a shady background that refuses to explain what they are charging this money for.
Consumer complaint received 2021-01-31
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: DISCOVER BANK (NY)

On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Opened XXXX. XXXX, 2016. Its not mine account. 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 DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have been trying since XXXX XXXX to get this wrongful XXXX XXXX problem off my credit report I have submitted 3 disputes to Experian with no results.
Consumer complaint received 2017-10-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings (CA)

Between XXXX XXXX I did not get the money what do you want me to do that deposit some money in my account and you want me to get the money out of my account to purchase some XXXX cards and then I take the numbers and put into the system I never heard that before. Heroes the two phone numbers XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (FL)

This lender continues to call my work phone number after numerous requests to remove said number. I have explained that I am unable to receive personal calls while at work, yet they continue. The last person I spoke to assured me that the number had been removed from their system. I have had difficulty paying this bill and if I lose my job because they continue to call, I will never be able to pay them. They have also been rude and intrusive when asking about the past due payments.
Consumer complaint received 2022-09-08
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. (FL)

To whom it may concern I was checking my credit monitoring app. and notice some inquiries that I did not authorized nor did I give anyone the authority to open any account in my name. I then sent letters to XXXX, XXXX and Experian asking them to please!! remove this error off of my credit report. I never got a response back, I then call XXXX and talked to a representative and she inform me that the inquiries will remain on my credit report for XXXX years I ask the lady why If I never applied for anything why would it stay on for XXXX  years she said they do not have the ability to remove this from my credit report so I ask her can I speak to someone from the fraud department she said this is the fraud department and there is nothing we can do for you. The Inquiries are as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX - XX/XX/XXXX ( XXXX ). XXXX XXXX - XX/XX/XXXX ( XXXX ). XXXX XXXX - XX/XX/XXXX ( Experian ) - ( XXXX ). XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (AL)

They are in violation of my rights i never gave them permission to release any of my information thats fraud. Second time I have disputed this item on my credit It came off the other XXXX but comes back on XXXX thats still inaccurate. All three have to do the same if it comes off XXXX it has to come off all thats the law and I been to court witch the court of law dismissed this case so that means this should have never made it to a collection.
Consumer complaint received 2021-01-31
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. (TX)

XXXX did not have permissible permission to access my private information. XXXX XXXX said they would get the inquiry removed months ago, XXXX XXXX claims to have disputed with other companies that have hired XXXX XXXX BUT I DID NOT SIGN ANYTHING AUTHORIZING XXXX XXXX TO ACCESS MY PERSONAL INFORMATION.
Consumer complaint received 2018-03-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (FL)

I applied for a loan from Mobiloans and requested for the funds on two occasions. On XXXX {$500.00}, and XXXX {$260.00}, loan total {$760.00}. My first payment was scheduled on XX/XX/ on my payday, which was a XXXX. I called Mobiloans on a XXXX  afternoon ( XXXX ) to update my new bank account, which is the time that is required to make any changes before payments are taken out. When I called Mobiloans, the representative made a 3-way call with me and my bank, and confirmed my new account. The representative told me that the payments should be processed in the right account on the due date. Come XXXX, Mobiloans did not process the payment as a way to charge me more finance fees. On that same day, Mobiloans added another hefty finance fee in my account. Between XXXX  to XXXX I was charged {$200.00} for fees on my {$760.00} loan. I called the lender on 4 occasions for them to explain the fees to me ; 1st  as to why they did not process the payment ; 2nd why they charged extra fees on XX/XX/ whenthey never processed the payment. The explanation did not make sense and they were unwilling to solve the problem, even after I paid them {$750.00} on XX/XX/. All my attempts to get them to solve the problem have been unsuccessful.
Consumer complaint received 2018-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc. (KS)

The # XXXX robocalls my cell phone on weekdays and before XXXX. When I pick up the phone and answer, the caller does not respond and hangs up after 5 seconds.

Dates and times called : XX/XX/XXXX: XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX: XXXX   XX/XX/XXXX : I called the company and requested to not be robocalled each morning. The company stated they were unwilling to do this without have all account information verified.

I attached screenshots of the robocalls the company made prior to XXXX.
Consumer complaint received 2017-12-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MNE Services, Inc (NE)

XXXX XXXX from XXXX of XXXX called me claiming I owed a debt, which I do not, from an online loan. He began calling my work number and then continued to call the main switchboard at my work after I told I would not pay a fake debt. He called over 100 times in 20 minutes and brought down our phone lines. We are a XXXX so this can not happen. They continue to call from an unknown number which our IT dept can not block.
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (NY)

First off, we have used this card for everyday purposes as well as when we went on our cruise most recently in XXXX. We have paid off this card twice in the past 6 months and expected to get a credit card limit increase however that never happened. 

We had to utilize the cash advance option after the card was completely paid off, which is an option that is offered by the credit card company. We utilized this to pay our rent last month due to trying to utilize actual funds ( from our paycheck ) to pay for some concert tickets which resulted in costing more than we had saved up for them. Our funds from our paychecks came up short and rent had to be covered by this cash advance. 

Barclay never reviewed my credit report until i used the cash advance option in which, they decreased my credit card limit by {$1400.00} from {$2500.00} to {$1100.00}. While i understand that my overall credit utilization is high, i think that this limit decrease was quite drastic and uncalled for. This has caused me to reconsider my use of this card going forward since Barclay clearly does n't care of my usage until I make a questionable transaction utilizing one of the many options on the card, the cash advance. 

Barclay could have simply contacted me about this recent transaction and found out why it was used. Instead, they treated me like a number and just took action on the card without my prior knowledge. Barclay does n't care about its consumers. 

And due to limit decrease, it also made my credit report look worse for my other credit card issuers which could cause any one of them to do the same and tank my credit just because i used the cash advance option, which is an available option as part of the credit card.
Consumer complaint received 2017-09-03
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. (GA)

I have attempted Equifax Consumer Services multiple times ( 8 ) in an attempt to remove XXXX un authorized inquires off of my credit report. During each attempt to have these inquires removed Equifax representatives have told me that they disputed them and I should have my results within 30 days. When my results came back 30 days later they say they are factual records. I have asked for proof of how they are factual records, but have never received anything from them to support there investigation.
Consumer complaint received 2021-01-31
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. (FL)

These items have already been removed for the credit bureaus but have came back on my report. I have submitted the things are not mines and they have already been deleted from your reports last year. Please remove these items listed on my attached documents
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

My student loans are serviced by Mohela and I am enrolled in Public Student Loan Forgiveness ( PSLF ). When signing up for and XXXX plan prior to student loan repayment in XX/XX/2023, I was confused on Adjusted Gross Income ( XXXX ) and submitted Gross Income. Because of this my payments since XXXX of 2023 were {$430.00} per month. When I became aware of my mistake through conversations with friends also enrolled in XXXX and the XXXX plan, I submitted my application for the XXXX plan. My new amount due is {$210.00}. After submitting this in the early half of XXXX, Mohela put my account in forbearance and still withdrew the {$430.00} from my account. I was then informed that payment does not count toward PSLF since I was in forbearance. Similarly, Mohela put many loan holders in forbearance in XXXX, among which I was one. They then informed me those payments, auto-withdrawn from my account, even though my account was in forbearance, would not be eligible for XXXX due to the forbearance period. If those payments are not eligible, then I would like to be refunded. Similarly, if there is anyway to recoup the nearly double payments from XXXX through XXXX, that would be beneficial Also, I submitted a PSLF form on XX/XX/2023. It was not reviewed until XX/XX/XXXX, which is included. While it was taken care of with Mohela, all communications via their support option were sent after the form was processed. Overall, Mohela 's communication has been weak and inconsistent. I doubt I am the only one having this issue, which is why I submitted the complaint. I have overspent nearly {$1000.00} since repayments began and don't want others to run into this same problem.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My identity was stolen and was used to open two separate bank accounts with Bank of America one personal and one business the one business is under XXXX XXXX XXXX XXXX which is not mine which I've never heard of, the other one was under my personal name but spelled wrong, it was resolved, the XXXX XXXX XXXX XXXX is not resolved they have Black flag me and I can't even cash a check nonetheless anything else I have spoken with them several times sent in their paperwork twice on top of that I've had a mortgage with Bank of America since 2008 and never missed a payment and they have black flagged me across the board it needs to stop and they have cost me money they have cost me time and they have drug my name through the mud
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NC)

There was fraud charges on my XXXX XXXX XXXX XXXXXXXX card that was reported to the company a few years ago. I received a letter from the company that the charges are valid because I have been paying on my card. I requested a re-investigation and Comenity Bank is stating the same thing. This bank has failed to do a proper investigation. They are presenting inaccuracies which clearly shows no real investigation was done. The company refuses to outline in writing how their determination was made.
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Asset Recovery Inc (NY)

the asset recovery company is not the original debtor and some of the debts are very old as well. the medical place that takes care of my bills pays my bills and i pay the deductible. they have threatened to take actions against me n repeatedly call me. the original debtor XXXX no longer exist even. they sign paper work with XXXX and always try collecting more. a form of double billing. these debts asset recovery keeps reporting has hurt my credit like they said they would do. again the original debtor is out of buseness n asset recovery bought the debt and are doing all they can to hurt me financially.
Consumer complaint received 2022-09-08
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. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that need to delete in my personal file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-27
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. (FL)

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I applied for a XXXX plan via my plan provider, MOHELA, on XX/XX/. I have called MOHELA XXXX times since then, and each time, they assure me my submission will be processed within XXXX weeks and then once again place me on forbearance. I have been placed on forbearance XXXX times. I have uploaded the most recent forbearance documentation. 

I need to have my XXXX plan processed to begin making payments via my current employer. My life is on hold in the meantime because I am looking to buy a house for myself and my mom, and I can not while my loan is still in foreberance.
Consumer complaint received 2022-09-08
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. XXXX OF XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 2. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 6. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 7. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report.