davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I walked to into a " XXXX XXXX XXXX ''. I purchased 4 shirts, and a pair of sandals. The owner, XXXX XXXX, charged my debit card using XXXX  merchant. He told me to total amount due, and I authorized the transaction. He told me the receipts would be texted and asked me to verify the number. The number that appeared when he ran my card was my husbands number, so I did not corrected. Later that day, my husband sent me the text receipt. I had been charged a total of {$1200.00}. The correct amount was {$130.00} + 9.9 % tax for a sum of {$140.00}. He keyed {$1100.00} + 9.9 % tax for a total incorrect sum of {$1200.00}. 

I called the store and the owner told me he did not know how to process a refund ( he seemed like a very humble man ), and that he would be traveling for the next two weeks. So he recommended that I processed a claim through my bank, he said he'd approve it. he checked in with me on XX/XX/XXXX to make sure that the bank issued a refund, and again on the XXXX when he received notice of the claim. He told he received notice of the error and he that he approved the refund. 

On XX/XX/XXXX, my bank reversed the transaction stating that the merchant provided strong evidence that the amount was correct. They advised me that if I wanted to re-open the claim, I'd need to send prove that the amount was an overcharge. I reached out to the owner again, because he asked me if I wanted to wait for him to return from his travels and come by to pick up the cash, so I hoped we could just do that at this point. His response was that he did not have the money, and asked that I stop bothering him. To solve the issue with my bank. 

I sent the text messages the owner sent me on XX/XX/XXXX. The claim was re-open and denied one more time. Per the bank representative, they investigate the charge with the merchant ( XXXX ), not with the owner, and since my text messages are with the owner the claim had to be denied.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: The Bureaus, Inc. (GA)

Notice to Intent to The Bureaus Inc, You stated in the previous complaint and also attached that my account was sold to you. However, my non-public personal information was sold to you unethically. During this transaction, I was an uninformed consumer. You have defamed my character and the reporting of this account is affecting my livelihood and reputation. In addition, you stated the debt is valid however, my name is not XXXX XXXX as stated on the letter you sent to me that is attached as well. Under the FDCPA and FCRA, the Entire account must ME VALID, ACCURATE, AND FAIR. AGAIN MY NAME IS NOT ( XXXX XXXX ), MY NAME IS XXXX XXXX.
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 — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX  and tin used to financially abuse my credit report by constantly putting on and taking off late payments that were made in compliance with the change of payment date from the XXXX  to the XXXX during the pandemic. Within the past 30 days they have made six changes to my credit report as my loan officer has been documenting everything like I have. They have recently blocked my account balance from being shown after they lied to the credit bureau that my balance was over {$2900.00}. I can not speak to this company because their representatives are uneducated disrespectful southern customer service representatives that are trained in collections not customer service. My Exhusband is responsible for this account, I paid two months out of my own money and instead of updating the balance they reported the balance almost twice as much to the credit bureaus. They know exactly what theyre doing it is one lady that handles this account and I would like to know her legal name. Consumer finance needs to investigate this company to the very end.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/2018 I received an email notice from XXXX  that my score had dropped drastically, so I checked the site and found that my 29+ year old credit card with JCPenney had been closed by JCPenney . I submitted an email to JC Penney 's customer service which responded that it was unavailable so my inquiry was rejected. I called JC Penney customer service at XXXX. The CS agent could not find my account ; asked my address ; phone number ; etc., telling me that none of my information matched any of their records. I asked how could I have paid their bills for the last 27 years that I have been at this address, if they had not sent my bills to this address. CS agent had no answer. I further asked how they could close the account without giving me any notice or reason. The CS said they did give me notice, but would not/could not tell me when/where the notice was sent. Instead, I was then told that I had to go to a physical store with photo ID to prove who I was before they coud talk to me. That ended the conversation.

I've always paid the credit card on time, never late. I never received any notice regarding this card being closed. I want to know why, after almost 30 years of having/using a JC Penney credit card in good standing, it was closed WITHOUT any notice. This single act of closing my oldest credit card has dropped my credit score significantly.

This is happening to my over XXXX year old friends as well. We have long standing store cards that are being closed after becoming " managed '' by XXXX XXXX Those that do receive a notice are told they do not meet the lender 's criteria any longer.

I see a pattern of age discrimination because we 1 ) pay our bills so the lender doesn't get those late charges from resposible card holders and 2 ) by closing out old, long-term accounts, it drops credit ratings on the elderly so the lender can charge higher rates.

Punish people for being fiscally responsible.
Consumer complaint received 2021-03-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I have been trying to resolve this problem and it has been very difficult to get answer to the questions about this issue. I am definitely not hiding from anyone, but I need help, not my credit destroyed! Its everything I own, and the fact these companies dont help customers like myself when problems happen.
Consumer complaint received 2018-10-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I got an email from my payroll dept regarding a wage garnishment. The company XXXX XXXX XXXX, XXXX. located at XXXX XXXX XXXX XXXX, IL XXXX Ph : XXXX fax : XXXX. Case No XXXX XXXX   XXXX for debt collection and wage garnishment of {$8000.00} from credit acceptance from XXXX. I have never owned a car until XXXX nor did I have a Drivers license at the time. 

I do not know how this was possible but I have a suspicion it was my ex-boyfriend who is currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the girl he was cheating on me with are the ones responsible for this. I am going to file a police report but this company is trying to garnish my wages. help.
Consumer complaint received 2018-10-31
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: EQUIFAX, INC. (FL)

On XX/XX/18 I obtained my EQUIFAX credit report ( Report # XXXX ) and after reviewing it I noticed that I have 3 negative accounts and 4 inquiries that I do not recognize which is definitely fraudulent. The 3 negative account is indicated on the attached letter as well as the unauthorized inquiries. and I have no clue why it is reporting on my credit report and there is an obvious error. I have never done any business with the companies listed on my report. I have filed a police report and I have disputed this before with Equifax but to no avail it is still on my report. This is affecting my credit and I am asking for help with this matter immediately. Thanks
Consumer complaint received 2021-03-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-03-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Since XX/XX/2022, the interest rate of the line of credit has increased from 3.75 % up to 8 % in barely 4 months. I have requested a copy of the note in multiple occasions XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have never received the Note. The first two times, Specialized Loan Servicing stated that they had sent the requested information by regular mail, and if USPS never delivered the document, that situation was out of their control. However, on XX/XX/XXXX, a customer service representative named XXXX confirmed that the Note would be sent via email by XX/XX/XXXX. Today, it is XX/XX/XXXX, and I have not received the copy of the Note that I have requested 4 times. I am entitled to have a copy of this document with a clear explanation of why the interest rate has increase almost twice since XXXX. Specialize Loan Servicing has an obligation with the borrowers to provide the Note. Please investigate the questionable practices of the company, hiding information and delaying the delivery of this important document
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I was recently approved for a pen fed {$15000.00} credit card and I received the credit card terms and conditions in the mail. The terms states that at the time of fraud we will be liable for the charges and we can not make Pen fed liable for the charges, can not take them to the court and have to indemnify them from any kind of liability. 

I think this is mean and one sided agreement and goes against the laws of America. 

They also do not have arbitration agreement for their credit cards, so it is a win win situation for them and a losing situation for the customers. I am completely surprised how can this company be so greedy, self-centric and mean? 

They have also send me a letter which states that I abide by the credit card agreement if I don't cancel the credit card within 30 days, what is this? 

this is a fraud. and I tweeted this credit union, they replied me with a very unusual answer, their customer service number is not working. 

After that Penfed blocked me on Twitter ( please see the screenshot ) What does the Penfed wants? Penfen wants the customer to go crazy if a dispute happens between customer and penfed? What will the customer do if can not go to the court? ( please check the screenshot of penfed agreement )
Consumer complaint received 2017-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (OH)

I have been a XXXX in a large XXXX XXXX district since XX/XX/XXXX  and am unable to receive a clear history of my student loans in regards to the XXXX Loan Forgiveness Program. My loans were consolidated in XX/XX/XXXX ; however, my servicer ( ACS ) is unable to provide me with the type of loans that were consolidated and the date of consolidation, which can impact my eligibility for the XXXX Loan Forgiveness Program. In addition, my servicer ( ACS ) said my loan is being transferred to another lender/servicer ; however, they were unable to provide a date or time frame that this would occur. My servicer ( ACS ) referred me to the U.S. Department of Education, who also provided limited/false information. I was provided with a servicer who, when I contacted, had no records of my loans.
By not being able to access my loan history, I have not been able to receive confirmation of my eligibility for the XXXX Loan Forgiveness Program. My servicer 's practices ( ACS ' ) are unfair and deceptive as I am not able to receive consistent information regarding my loans. My loan is also being frequently transferred to different lenders and servicers making this process more complicated.
I have contacted my servicer ( ACS ) on multiple occasions, with the latest contact being XX/XX/XXXX. The servicer ( ACS ) stated they could request a copy of my Promissory Note from the loan guarantor ; however, this will take 30 days to provide and I am not sure how this will help me to understand my eligibility for the XXXX Loan Forgiveness Program. Please see my request to the servicer ( ACS ) below.
Thank you!
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PRESTIGE FINANCIAL SERVICES INC (FL)

Prestige financial keeps showing my account as a new date over and over. 
The account is a write off as of XXXX possible the first of the year XXXX, Prestige is showing my account as of XXXX XXXX. 
This this showed back up on XXXX XXXX in XXXX. And they are adding onto the amount showing a late fee. 
lI have disputed this through XXXX XXXX. They did get this taken of in the previous attempts that Prestige went back in a placed a different date on the account. 
Please make them stop.
Consumer complaint received 2018-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Dear CFPB Team, I need your help on this matter, has been few bad days for me waiting for coinbase to resolve my issue and I have bad customer service and no support. I bought some litecoin on XX/XX/XXXX and they charged my credit card twice for the amount of {$580.00} us dollars, since my credit card was charged twice the my bank did a reversal and reject the two payments. Then I tried to login back into my coinbase account and they ask me for the payment of {$580.00}, I submitted the payment using my personal checking account and they took the money from my account so they said it is paid already few days ago, they reply me back after several calls and emails saying that they received my payment but my account should remain locked until an specialist review it, its been few days and this remain as it is, I called several times and they told me the same thing, I email then too and they replied the same, I am attaching the case history, it is not fair as coinbase treat the clients. I need your help having my account unlocked and gaining access to my funds, all my funds in coinbase are in us dollars. I just called right now and they gave me the same response, over and over, they don't unlock my account. 

Thank You!
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've had a few problems with medical collections accounts ( XXXX XXXX ) being the main culprit, where I'd try to dispute the information and they would just remove it. Wait a few months and then reinsert it into my report. This is constantly dropping my score, as they insert it as a new account rather than what the original dates were. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$710.00} Original Creditor : XXXX XXXX XXXX That is just the main collection that keep popping up. That is the hospital in Florida. I hadn't been seen there since XXXX, I moved out of Florida in XX/XX/XXXX. This is one of the few accounts that keeps popping up every few months, while I'm trying to rebuild by score and every 3- months it gets dropped 50-80 points because of this. I've tried asking for proof of the debt, and haven't received anything. I get no letters that a debt has even been placed for collections/reinserted into my report. 

Is there anything that can be done? I know collections agencies sometimes sell the debts, but I've noticed it's always been the same collection agency name, reporting it, just changing the " open date '' on the account. This has been a struggle for the past 3 years, and I've tried disputing it every chance I get.
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

It appears that a bank officer with wells fargo has assisted to strengthen the position of one person over another on a commercial account involving my LLC. I am in a 50 % ownership position with another shareholder of whom I am currently in conflict with. The other partner used her contact with an internal officer of the bank to have me removed from our commercial account. The intent appears to be to allow the other shareholder to take a stronger position and to fraudulently remove the need to have 2 signatures on the account in order to cash a large check made out to our LLC. concerning the sale of real property owned by our LLC. 

The additional intent was clearly so that I could not perform checks and balances on the commercial LLC accounting of funds being used. It has since come to my attention that there might be a co-conspiracy to assist the other partner allowing them to cash a check normally requiring 2 signatures and positioning her intentionally to avoid my signature requirement to gain 100 % access to the funds. 

Wells fargo has removed me as a Signator to insure that I can not access bank statements on my account to see what is happening with my account. I was told by one internal Wells Fargo employee that this appeared to be criminal. 

It also came to my attention that another account was created with a separate institution where transfers were being made from the Wells Fargo account to another financial institution which appears to be another hiding place for funds from the LLC This has handicapped my business role within the LLC. Wells Fargo should not be allowed to interfere with my access to an account that I hold a 50 % ownership in. Bank policies appear to be based on personal relationship more than legal access.
Consumer complaint received 2018-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (ID)

XXXX XXXX  informed me of the complaint. I do have an account with XXXX XXXX, but my account is current and is paid through auto pay. I didn't open another account as stated in the complaint. When I talked to XXXX XXXX they stated that there was no other accounts besides mine associated with my account. I've filled a complaint with XXXX XXXX also.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 a 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 2022-11-19
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. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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