davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-08
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Admin Recovery, LLC (PA)

There are several concerns that I have about the communication tactics from a representative of Admin Recovery. 

1. On XXXX/XXXX/15, a person by the name of XXXX from Admin Recovery ' made initial contact about a XXXX Bank debt using my spouse 's cell phone number instead of mine. No other contact was made directly to me prior to this phone call on XXXX/XXXX/15. I never released my spouse 's phone number to XXXX Bank nor did I ever give permission to be contacted on my spouse 's cell phone number. I have no idea how my spouse 's phone number was obtained by Admin Recovery. 
2. I briefly spoke with XXXX XXXX on the evening of XXXX/XXXX/15 when he called my husband. He repeatedly asked me to verify my DOB, last four digits of SSN, and/or my address. I refused to verify personal information over the phone because I did not know him nor anything about Admin Recovery. I requested that he send a letter to me instead. In a rude tone, he refused to send a letter and just ended the call with me. 
3. On XXXX/XXXX/15, XXXX XXXX called MY cell phone number this time and left me a voicemail message about said XXXX Bank debt. I returned his phone call on XXXX/XXXX/15. I informed XXXX XXXX of the times when it is convenient for him to reach me by phone. His rude reply was that he does n't work during the times that are convenient for me to be reached. I then requested that a co-worker contact me during those times. He said that was not possible because no one works on Wednesday or Friday nights from XXXX - XXXX XXXX. Then he proceeded to tell me that at this point, I lost my rights to be contacted at a time that 's convenient for me. So basically, I must discuss this matter with him during HIS working hours. 
4. I, again, requested that he send me a letter verifying this debt so that I can be fully informed to respond. 
5. As of today, 10 days after his initial contact with me via my spouse 's phone number instead of mine, I have not received any written communication from Admin Recovery about said XXXX Bank debt.
Consumer complaint received 2022-09-06
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. (WI)

My student loans are affecting my Credit score on two credit reporting websites including Equifax and XXXX. On XXXX XXXX I was pre approved for a credit card by XXXX XXXXXXXX and denied due to my scores reflecting my school student loans that should be removed
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (WI)

My student loans are affecting my Credit score on two credit reporting websites including XXXX and XXXX. On credit karma I was pre approved for a credit card by XXXX XXXXXXXX and denied due to my scores reflecting my school student loans that should be removed
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (DE)

I applied for a Credit Card with Barclays Financial Institution and was promised a Balance Transfer within 7 to 10 business day. Barclays did not complete the balance transfer and I made the payment. I called Barclays to request that they cancel the transaction because it would be more paid on the account then owed. They refused to cancel the transaction since it was in process. The Manager XXXX explained it was out of his control to cancel. The department manager XXXX XXXX will be informed but is not able to make any changes.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

Coinbase has restricted my account, meaning I have no ability to buy, sell, transfer, deposit, or withdraw and funds or crypto asssets.

I have been given no reason for the restriction and have tried and failed for 2 weeks to receive a reason, have the restriction removed, or get in touch with a human being.

Their customer service is entirely automated and ineffectual and it is impossible to reach a human being. 

Their text chat starts as an AI and then disconnects you after 2 hours of waiting for a human being.

Their phone line does the same thing.

After paying for Coinbase One, their advanced feature subscription that offers 24/7 priority human phone support, I learned it is literally just a script to get the normal phone line to CALL YOU, and then dumps you into the same automated phone line that disconnect after a few hours of reaching no one. It is not a 24/7 human support service and it is not priority.

Coinbase One is blatantly false advertising of a paid service. It blatantly lies about what it gives you. 

I have no ability to do anything with XXXX XXXX XXXX of dollars of my own money, received no reason for it, and can not resolve it because of false advertising and customer service that very clearly is negligent.
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I created an account with Synchrony Financial services through XXXX retailer. I purchased a furniture in XX/XX/2018 and given equal payment promo for 24 months. I called the customer service of Synchrony and was told to pay only the minimum payment due so that by the end of promotional period i would have paid the entire balance with no interest. After that i made 2 other purchases with XXXX through Synchrony card. I was not told anything about the promo. I completely relied on the bank 's credibility and even setup automatic payment. Today i noticed i have been charged interest rate from XXXX of this year with out any kind of notification. When i called the customer service and told about the situation, they did not care about it and not ready to help. 
Why was i told to pay only the minimum payment due and given false promises that i would be paying off my balances by the end of promotional period. Now i feel like i have fallen victim for the bait and switch.
Consumer complaint received 2017-05-01
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: Experian Information Solutions Inc. (GA)

To whom i t may concer ns, I am writing regarding a few accounts that have been on my credit report with Experian for more than 7 years. I have contacted Experian many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Experian has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Experian and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Experian because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts :  XXXX   XXXX  : Account #  XXXX   XXXX   XXXX  : Account #  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX   XXXX   XXXX   XXXX   XXXX   :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD  XXXX    XXXX   XXXX   XXXX   (   XXXX   XXXX   NEVADA ).     I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  RENTAL HISTORY REPORTS ON SITE MANAGER  XXXX   XXXX   XXXX   XXXX   XXXX  Thank you
Consumer complaint received 2017-05-24
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: CORELOGIC INC (GA)

CREDCO INITIATED  XXXX  FRAUDULENT INQUIRES ON MY CREDIT. THESE FRAUDULENT INQUIRES WERE INITIATED ON  XXXX   XXXX ,  2017  &  XXXX   XXXX ,  XXXX , &  XXXX ,  2017 . REMOVE FRAUDULENT INQUIRES.
Consumer complaint received 2022-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

in accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Titan Title & Closing, LLC (OK)

Working with Titan Title in XXXX during the closing on the sale of my house was challenging, to say the least! Careless errors, excessive charges, rude and unprofessional employees, and multiple document changes made for a less than pleasant experience. Not only did they charge me {$770.00} in unpaid taxes on a property that I did n't own ( sloppy and careless work ; it was a different address than the house being sold! ), there were hundreds of dollars that would not have been charged with a XXXX XXXX XXXX XXXX. The lender had required that we use Titan Title in XXXX, although the property being sold was located in XXXX. Since there were several charges that our XXXX XXXX XXXX XXXX do not require, we asked that Titan charge at the local rates where the home was located. They refused. Unnecessary charges doubled the amount of my closing costs ( survey instead of a mortgage inspection certificate with a difference of {$320.00}, adjusted to difference of {$200.00} ; bankruptcy search {$80.00} even though my credit score is in excess of XXXX and the house had no mortgage ). When the property tax error was pointed out, they responded with " oops! '' and did n't even apologize. Although my experience with title companies is limited, even my realtor said she had never had such a negative interaction with any closing or encountered such rude and unprofessional behavior. After 5-6 revisions in the closing documents, one last document had to be signed after the closing was completed. The manager of Titan Title called to request a final signature so I had the opportunity to share my complaints with her. She apologized ; unfortunately, it was too little, too late. I would caution anyone in the XXXX area to choose another title company to avoid the negative and difficult experience that I encountered.
Consumer complaint received 2016-06-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (FL)

During an extreme financial emergency, including fraud and other unexpected tragedies, we were having difficult making payments on time. Ford Motor Credit Co. called an offered to assist us by putting two payments at the end of the loan. During the call we, my husbands wheelchair had just stopped working while in the yard, and did not understand the terms of this offer, which sounded to him as though it was something to help us ( he was in the middle of trying to get his wheelchair to work ). Later we learned the interest rate not only increased substantially, but now was compounded daily, putting us much further in the rear. I called requesting assistance with the extreme added charges due to not understanding what the penalties were be, the offer was not explained in a matter that was understood. I was told to call back and that they would help, when I called back, I was denied any assistance. It took 7 years to pay off a 5 year loan. I will mail a completed report of the charges, I have requested from Ford. I believe that it was intended to defraud the consumer masked as assistance when needing it was needed the most. This should be illegal to defraud the consumer and should be addressed. We are on a fixed income in the middle of extreme hardship when, Ford called us, and took advantage of our misfortune addeding to our financial hardship.They intentionally mislead us.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My student loans are affecting my Credit score on two credit reporting websites including XXXX and Transunion. On XXXX XXXX I was pre approved for a credit card by XXXX XXXX and denied due to my scores reflecting my school student loans that should be removed
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

To whom it may concern, ProCollect Incorporated has violated the Fair Debt Collection Practices Act. 

Section 805 ( c ) : states that collection agencies must cease contact upon request, unless further efforts by this company are being terminated. 

Section 806 ( 5 ) : states that a debt collector may not engage in any conduct of which is to harass i.e. causing a telephone to ring continuously. 

Section 807 ( 5 ) : States that a debt collector may not threat to take action that can not legally be taken. 

Section 807 ( 8 ) : States that collection agencies must report that a disputed debt has been disputed. 

Section 809 ( b ) : States that if a consumer notifies the debt collector within the thirty-day period ( a ) that a debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt. 

Be advised that claims made by the creditor have not been validated, and have been disputed twice, while collection efforts continue. Since notifying this company that I was aware of these violations, they have sold the invalid debt to another collection agency. 

ProCollect Incorporated has committed acts of harassment and abuse of discretion, or otherwise not in accordance with federal law.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (PA)

I requested that M & T Bank designate a trust as beneficiary of personal checking and savings accounts. The reason for this is because the only living beneficiary is XXXX XXXX  and can not receive the inheritance outright. M & T stated that they can not name any trust the beneficiary of a checking or savings account. This would force the XXXX XXXX beneficiary to lose benefits and/or navigate the probate process. 1 Pa.C.S. 1991 specifically identifies a trust under the definition of a person. The Pennsylvania Banking Statute Title 7 6102 does not specifically mention trusts but does state, " any other group of individuals, however organized. '' A trust is nothing more than a group of individuals ( Grantor, Trustee, Beneficiary ) organized by written trust agreement. Additional concerns for not being able to name a trust as a beneficiary are for single parents of XXXX XXXX. An inheritance left to XXXX XXXX would be managed by their surviving biological parent which may or may not be in their best interest and likely not the wishes of the decedent. M & T 's policy puts their clients and their loved ones in a position to be greatly harmed.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (GA)

Jefferson Capital Syst reports on my credit report that I owe {$3800.00} to XXXX from XX/XX/XXXX XXXX and it is past due as of XX/XX/2024 this account does not belong to me. My current phone provider is XXXX. I have filed many fraud and dispute letters, but nothing has changed.
Consumer complaint received 2021-11-04
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. (NY)

I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile with 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent XXXX XXXX XXXX # XXXX {$150.00}, XXXX XXXX XXXX # XXXX {$4900.00}, XXXX # XXXX {$280.00}, XXXX  # XXXX {$1700.00}, US DEPT ED # XXXX {$1900.00}, US DEPT ED # XXXX {$320.00} Inquiries :
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (ID)

I made a purchase for a face mask using my PayPal account. The company that I purchased from disappeared and thousands of reviews and posts have verified that this company has scammed me. 

I contacted PayPal in order to get a refund on the item but they are assisting the company with scamming customers and are refusing to refund me my money. I've tried several times to contact PayPal and provided several documents and evidence proving the company is scamming customers and they are still refusing to refund me. 

PayPal is actively encouraging and endorsing scam and fraud by doing this.
Consumer complaint received 2015-08-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (GA)

XXXX branch manager of PNC bank in XXXX XXXX closed my bank account today right before my direct deposit hits on Friday XXXX XXXX. I already set up auto pay with all my utilities and fitness club. He promised to call me back after speaking with his loss prevention manager and never called me back. He had his XXXX employees XXXX and XXXX lie and say he was not in the branch when he was there just to avoid my calls. He is not a man of his word and very unprofessional.
Consumer complaint received 2017-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC (OH)

I am receiving no less th an 3 to 4 calls a day from PMAB, who  claim that I owe money for a hospital bill form 4 years ago, that has been paid. I have even sent them a copy of the paid bill, and a copy of the deletion letter they sent to me and the credit bureaus to remove the old debt form my reports. NO DICE. They keep calling.
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Direct Recovery Services, LLC (SC)

On XXXX/XXXX/16, I received a call from Direct Recovery Service in reference to a debt. In addition to my phone call my mother received a call and someone that does not have any information about the loan nor was named as references on the loan was contacted. I immediately contacted DRS and asked who else they contacted. The gentleman told me the same thing happened to him. I again asked who else he contacted and he said he did not have that information, he only autodials. I then asked which numbers he had, which were my daughter 's and my mother 's. I continued to press the gentleman for more details on the numbers he called in reference to my debt, yet he continued to say he can not find the numbers he called. I finally got the number for his parent company and confirmed the validity of the debt. My complaint is that DRS has obtained phone numbers and communicated to the third party that do not have a need to know of the debt in question. I am not denying that a debt is owed ; however, I believe DRS actions are not consistent with the Fair Debt Collection Practices Act.
Consumer complaint received 2015-07-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I submitted a complaint about CAPITOL ONE, regarding Home Equity Account # XXXX on XXXX/XXXX/2015. This is an addendum to my previous complaint. 
Please see the letter attached, which I am sending to Capitol One today. It details the arbitrary changes they have made to my account since my conversations with them last week.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2023-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (CT)

hello ordered an XXXX ring returned it 5 days after receiving it was going to use Affirm to pay for it they got reimbursed for the loan 3 weeks after i ordered it but day they didnt get enough says loan was for {$330.00} but XXXX gave them {$310.00} want me to pay the difference the ring price was {$290.00} with tax it was {$310.00} Affirm says its not interest but wont tell me WHY i should pay them {$18.00} returned ring 10 days after receipt they were paid by XXXX im not paying this extra charge if they do this to all customers they are taking LOTS of money off people for no reason! i DONT WANT tjis affecting my credit report and i DONT want them adding late payments ive tried to work this out they insist i give them {$18.00}!