davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (ID)

Back in XX/XX/2017 I opened an account with Speedy Cash. The credit limit I was given was {$700.00}. The amount of fees they charged made it impossible to pay it off. The monthly payment was extreme and only a very small percentage of it went towards the principal balance. I could not keep up with it. 

They continued to tack on fees upon fees. Somehow it ballooned into {$1400.00}. More than twice what my credit limit even was. They are trying to collect this amount through a collection agency named XXXX XXXX. 

XXXX XXXX is referring to Speedy Cash as their client in every letter I have from them. But XXXX XXXX is reporting to the credit bureaus as the collection agency owed the money. 

I see no reason for a {$700.00} line of credit to balloon to more than twice the amount owed. It is impossible for people to pay it off even when they try. It's impossible to know who I am actually paying when I get confusing collection letters and conflicting information on my credit report.
Consumer complaint received 2023-04-04
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has been holding my payments and posting them late. 
I send all my payments certified and check to see when they were received, Although they received my payments in time they have been holding them and posting them after the due date. 
They also have been charging me a extremely high late fee, The fee jumped from {$35.00} to {$150.00}. with no notification. 
My Account number is # XXXX. 
I have all my Certified copies and the dates that BOA received them.
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

PHOENIX FINANCIAL continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted PHOENIX FINANCIAL is failing to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform PHEONIX FINANCIAL that these accounts do not belong to me and are a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2018-09-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

The problem is a common one. It is with COINBASE. 
They state that deposited fund may be held for 3-5 days until they clear but mine are on hold for 30 days. 
I have made 4 different deposits for modest amounts of {$100.00} and while the first one was available in a few days. Every subsequent deposit is being held for 30.

Their reply at first was that it was for security reasons. Then it was because it was a bank transfer ( so was the first one ) and then it was a big from the roll out of new features. Then I was told that it was not a bug on their end and now it is because there may have been suspicious activity but that is now possible since they have held all the funds the whole time. 
The only activity was an initial {$25.00} transfer to XXXX to purchase some XRP. 
XXXX is replete with stories even worse than mine. All I wanted to know from them was why the hold was so long? I was told that it was exceptionally long and they were looking into it. 
My funds are still on hold but the 30 days are not up. 
Hardly the 3-5 days they promised.

Thay sounds like fraudulent advertising to take advantage of new clients to pilfer interest money to me. 
Please look into this company for the American public? 
Thank you!
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Citibank has consistently removed funds from my associated checking account to pay down my credit card balance without my authorization. They have closed their phone lines making it impossible to speak with a representative on the phone and have advised clients to use the chat feature on their app. I've used the feature and the representatives are unable to resolve the issue, advising to call a managers line which is also closed indefinitely. Citibank representatives refuse to schedule a call or provide a manager via the chat meaning there is no way to resolve this issue. This issue has occurred twice, once on XX/XX/XXXX through XX/XX/XXXX and now on XX/XX/XXXX.
Consumer complaint received 2021-04-05
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. (CA)

On XX/XX/XXXX I submitted a dispute to Equifax. It has been well over 56 days and I have not received a response. On XX/XX/XXXX, I submitted a complaint to the CFPB ( ID XXXX ). On XX/XX/XXXX, I received correspondence stating that Equifax did not believe I was the one filing the complaint. I was advised by the CFPB to call Equifax and let them know I am the one submitting the complaint. I contacted the Equifax dispute department to inform them. Subsequently, I am refiling this complaint. Best Regards
Consumer complaint received 2018-09-28
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX IN THE AMOUNT OF {$1600.00} XXXX XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX XXXX IN THE AMOUNT OF {$410.00} XXXX XXXX IN THE AMOUNT OF {$830.00} XXXX XXXX IN THE AMOUNT OF {$270.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (UT)

On XX/XX/18, we purchases a musical instrument from XXXX XXXX. At the time, they were offering a promotion through XXXX XXXX for {$150.00} off through two rebates -- one for {$100.00} and the other for {$50.00}. I submitted both rebates and received the {$100.00} gift card after one additional follow up, but still haven't received the {$50.00} gift card. My rebate was submitted XX/XX/18. I followed the directions on the form and mailed it to the address. After 8 weeks, I hadn't received the card. I e-mailed Synchrony on XX/XX/18 ( see attached ) and received no response. I then called them on XX/XX/18 and was told they had received my rebate, but didn't process it because the XXXX receipt was missing information. I was never notified of this nor had they reached out to XXXX. They said they would call XXXX. I asked them to then call me back. They said they would not do that. I needed to call. I feel they are being deceptive as their form says if I don't call and inquire no later than XX/XX/18 about my rebate, I will lose my rights ( see attached form ). They are just trying to get me to lose my rebate. It is extremely dishonest and I would like you to investigate.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2020 about XXXX eastern time i called Transunion XXXXXX/XX/XXXX andXX/XX/XXXX to kindly remove incorrect personal information as far as my name and address that are on credit report which is affecting my credit score but they were being rude, had we on wait for about 15mins and they just wouldn't comply.
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc. (NC)

Identity theft I fax police report and all I can fax! My USA passport this is not my first case about lost my adentity I Lear how to deal with it till they can arrest the guy.. right now Im asking you to verified everything and return it to the original creditor! Is XXXX and delete it from my credit thank you!
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (UT)

A debt collector called me about two weeks ago saying that I owed some debt from a medical procedure. I had never received a bill from the doctor or from anyone for that matter so I was shocked to get the call. They asked me to pay on the phone, I declined to do so because I thought it was a scam call. I did some brief research online and saw that they needed to send me written validation of the debt before I needed to dispute the debt or do anything ( see 15 U.S.C.A. 1692g, requiring written validation ). I got another call tonight and the person was very rude and demanded that I pay the debt right then on the phone. I informed the lady that I had not been sent a validation. She insisted that I had ( quoting my street address, but not giving my city or zip code - perhaps they sent it to the wrong address? ). I have not received any written notice as required by law, and this debt collector lied to me about having sent the mail required by law. This is unacceptable and illegal intimidation.
Consumer complaint received 2015-07-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Platinum Holdings Group, LLC (KS)

I was contacted by Premium Asset Services LLC, and by a woman named XXXX XXXX. She left a message to verify employment at my office. I contacted the number back and refused to verify my identity over the phone. I asked them not to contact my office again. I have repeatedly asked them not to contact me by phone. I have asked for written documentation of the alleged debt and have not received any other communications regarding this matter. I called the number back to request a mailing address so I could mail a " cease and desist '' letter. The manager I was connected to gave me false information and verbally harassed me on the phone. I have refuse to verify any information via phone.
Consumer complaint received 2021-04-05
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: CITIBANK, N.A. (AZ)

I went to Home Depot to purchase items where I was told I could sign up for a rewards card. They proceeded to get my personal information. I was sent a Home Depot credit card I NEVER asked for or was informed of. I immediately called and cancelled the card. I went to Home Depot a few more times and used either cash or my personal credit card from credit union. Somehow with my information they charged bills to the Home Depot card through Citibank. Apparently the card I had cancelled and NEVER used. I feel lied to, duped and very foolish. I just wanted a simple rewards card and they swindled me. I don't want to pay this fraudulent feeling bill! I want them to release my info, absolve the bill and all contacts with me. They straight up lied to get my personal information and I'm horrified with them.
Consumer complaint received 2023-03-22
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)

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

They have committed countless violations and has blatantly shown total disregard for the law.
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MJ Altman Companies, Inc. (MS)

on XX/XX/2021, i check my credit report and notice a collection from MJ ALTMAN COMPANIES , INC about a debt that is not mine. I have never owed XXXX XXXX anything and if not removed from my credit report i will consult a attorney.i attached a copy below of the letter to them.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC. (VA)

I had a 5 YR CD with XXXX Axos Bank ( based out of XXXX XXXX, CA ) for {$55000.00}, which expired on XXXX XXXX. I requested on the phone to have the funds deposited in my checking account and was told 1 ) That I could not request this transaction until the CD 's expiration date ; 2 ) On the date the CD expired I called was told that it could only be done by me, online. After I told them I did not see the option to do it, I was told that it was a technical issue and that someone will call me about it ; 3 ) 24 hrs. later no one call me. On XXXX XXXX, I was told that I had to fill out a form to request the transfer. It could only be done by check or by wire transfer ( fee : {$35.00} ). I chose the wire transfer and submitted the form via their secure message center. I received acknowledgement that it was received. 
4 ) On XXXX XXXX I was left a message saying that the bank needed to verify my request. I called the bank numerous times. The call center told me that they did not do veryfication of requests. So I sent another message, through their secure message center, veryfing my request. 
5 ) Today XXXX XXXX I logged in to my XXXX Axos Bank accounts and it shows no money. I have another CD for XXXX with them that expires on XX/XX/2021. However, my account now show {$0.00} and their customer call center can not help either. 
It makes me think that someone is running away with my money. Could you please help me.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

I am trying to get my auto loan reported to the credit agencies so it appears on my credit file but am being told that the bureau won't accept the data because the auto dealership does not have enough records to report. What are people supposed to do who live in small communities if the credit bureaus only service large entities? This affects my ability to build a credit profile which ultimately affects my ability to access credit. It's discriminatory and should not be allowed.
Consumer complaint received 2019-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX XXXX XXXX XXXX contacted me indicted that had discovered that a mortgage check we had made out to XXXX XXXX XXXX had been intercepted in the mail, was altered to from {$2400.00} to {$4900.00} and was deposited in a XXXX XXXX account. We contacted our bank, Chase Bank, immediately to inform them of this issue. Chase informed us that they funds had already been distributed and that we would need to file a claim. On XX/XX/XXXX we went to a branch of Chase Bank at XXXX XXXX and XXXX XXXX in XXXX XXXX XXXX and filled out the necessary paper work for a claim. On XX/XX/XXXX XXXX XXXX ( XXXX - XXXX ) contacted us again and informed us they were waiting on the paper work from Chase to process the claim. We contacted Chase again by phone and spoke to one of there agents on that day and they said they did not have our paper work for the claim even though we had done at at one of  there branches, after a bit of time they did find the missing information. We received a letter from the the USPS Inspection Service ( XXXX XXXX - XXXX ) dated XX/XX/XXXX informing us they we may have been a victim of Mail/Wire Fraud. On XXXX we called Chase to follow up on our claim and after speaking ti a custumor serve manager they informed us that they had done nothing to date, and were waiting to hear from XXXX XXXX even though we had given then XXXX 's number on XX/XX/XXXX. It is our understanding that Chase has 90 days to resolve the claim but is running out the clock on this so not to have to resolve this issue.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I took a look at my credit and notice there is a bankruptcy reporting to my credit that is not mine. I have never filed for bankruptcy and ask that you have this incorrect information removed from my credit report.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I took a look at my credit and notice there is a bankruptcy reporting to my credit that is not mine. I have never filed for bankruptcy and ask that you have this incorrect information removed from my credit report.
Consumer complaint received 2017-09-26
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. (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at thXXXX XXXX Experian and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. )  XXXX XXXX, account number XXXX ; 3. )  XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX, account number XXXX ; 8. ) XXXX XXXX account number XXXX ; 9. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.