davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

To whom it may concern, I personally do not want USAA contacting me, but any other agency may. I myself have put many hours into these claims best illustrated here ) by XXXX XXXX co-policy holder ) and confirmed by myself XXXX XXXX, There is much more to this then I can write, I assure you we have witnesses to all events and claims we made with USAA BANK, CREDIT CARD, AUTO and RENTERS INSURANCE. Since end of 2011 I have put over XXXX hours of my life with all this starting with USAA BANK closing our bank account, and putting our credit card in collections, AFTER we not only proved to USAA that we were being idenity theft for several month stretch and finally someone came clean and we found the culprit, but USAA spent more time, lieing, denying then helping, and before this we paid our credit card on time paying more than owed monthly. And neither of us ever had any thing like idenity theft robbery or uncoathe banks like USAA before this. So it was a lot of learning and pain. We found out our banks were closed by trying to get gas, we were almost out and far from home. They also held on to our money for over a month. That was 4 years ago and started a ripple effect into our credit which swarms us today. There is so much more, so much more that my eyes roll, on XXXX, yes XXXX robberies and XXXX car accidents, Usaa never paid the full amounts, the things they promised, and from the XXXX robbery, I would have to say USAA caused these issues to, they made it easy for thieves, like in XXXX robbery, and XXXX we had people WE DID NOT KNOW AT TIME point out the robbers, and XXXX times a XXXX XXXX CREDIT CARD was talken and used. Usaa owes for so many policy things, they have refused to take calls for last two years when I asked why our last property they said we were getting XXXX and they sent XXXX, I started calling from day one, they even refused to return calls when I tried to send in depreciation reciepts, they refused to pay out on wages on XXXX incidents, they refused to help get a car which they promised they would from their auto-circle program after WHAT WE SUSPECT THEM illegally totaling our car and we had to end up getting XXXX whcih we had to pay over {$2500.00} down and over {$400.00} a month and over % 21 percent interest, all things that could been avoided like so many XXXX other things in past years if Usaa stopped hording money and acually doing what they are suppose, they have even denounnced CALIFORNIA AUTO INSURANCE INVESTIGATION which they had previous agreed with on several things like my veneers and wages and other things hey were to pay out but flattly refused. There were XXXX other hard core things USAA knew and didnt care. They opened up not only a credit worm hole, but they made it easy for thieves and caused us XXXX, oftenXXXX for long times, where we have lost out on family events, vacations, work oppurtunities, marketing money, we have lost all our valuables all our personal, things.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2022 I sent a payment of XXXX to Barclays Bank Miles and More Master Card it was taken from my XXXX  checking account but never credited to my Barclays account. Despite sending proof of withdrawal from XXXX along a with custom letter from XXXX XXXX  with tracking number. Barclays bank refuses to acknowledge payment I have made four phone calls to customer representatives and service managers sent two letters showing proof of withdrawal from XXXX and it is now three months with no response by letter I am told to call but when I call, I get the same run around and no action despite having verifiable proof, the representatives have no direct phone line, no email and refuse to accept any common sense solution. other then to tell me mail everything in and customer service will look into it.
Consumer complaint received 2022-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (NV)

I transferred {$95000.00} to Synchrony Bank account on XX/XX/22. I was not aware that the account was closed prior to sending the money. Synchrony has not returned the money to the account from which the money was transferred as of XX/XX/22 and claims to have no record of any transaction. Synchrony Bank has effectively stolen {$95000.00} from me. I reported this theft to both my bank and the XXXX State Attorney General 's office so far. Next week I will report to the FBI and local law enforcement. If necessary, I will hire a lawyer and sue Synchrony Bank for all the money plus legal fees.
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
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 — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

While reviewing my consumer report I noticed a Bankruptcy being reporting. 
I attempted to dispute and get the Bankruptcy deleted for a few reasons. 

1. There were several inconsistent data points on my consumer report causing it to be inaccurate. 

2. XXXX and Experian stated that the US Bankruptcy Court reported the bankruptcy however, when I contacted the US Bankruptcy Court they stated that they do not report to credit reporting agencies, but obtained my public record from a Corporation called XXXX XXXX. XXXX XXXX used a database called XXXX to collect information about me, which is an infringement Upon my right to Privacy. Nor did they have a Permissible Purpose to my Written instruction ( Consent ). 

3. XXXX XXXX stated that the US Bankruptcy Court reported the bankruptcy however, when I Contacted the US Bankruptcy Court they stated that they do not report to credit reporting agencies, but obtained my public record from a Corporation called XXXX. XXXX used a database called XXXX to collect information about me, which is an infringement Upon my right to Privacy. Nor did they have a Permissible Purpose to my Written instruction ( Consent ). 

( Violation 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a Consumer right to privacy '' ) ( Violation 15 usc 1681b ( a ) ( 2 ) '' No Permissible Purpose/No Written Consent In Addition, FTC state , The Gramm-Leach-Bliley Act requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data.Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? 

No, you are not following the requirements. As stated above my privacy as been violated Under the Gramm Leach Bliley Act. 
15 U.S. Code 6801 - Protection of nonpublic personal information.
Consumer complaint received 2022-09-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I am not sure exactly when I started receiving calls from portfolio recovery company. I have perfect credit I have not received any letters in the mail I have not received anything online telling me that I owe anything to anybody. 
I am able to check my credit report through XXXX XXXX  anytime I want and it doesnt show that I owe anybody anything. this portfolio recovery calls from all different numbers and luckily my phone silences them but Im very tired of seeing this on my phone there is no reason for it since I do not owe them or anybody any money. I want this to stop. I have screen prints if needed for all the times they have called and from where. Thank you they all come in as portfoliorecov I will show you a few theres just too many. 
XX/XX/22 XXXX XXXX - XXXX l 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 The rest I dont know because I was just deleting them. thanks
Consumer complaint received 2024-05-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (CA)

I originally had my student loans with XXXX  XXXX and upon XXXX XXXX being acquired by XXXX, the servicing rights were purchased by XXXX. XXXX assigned servicing rights to XXXX. I am on maternity leave and currently not working with XXXX children now under XXXX XXXX XXXX and unsure when I will return to work. I had deferment options with my original lender and servicer, but when I called XXXX was told that I was only eligible if I qualified under natural disaster and that if I could not pay them $ XXXX per XXXX, they would report the payment as late to the credit bureaus. I feel stuck because if I refinance then I lose my low rate, but I can not pay so it seems like my only option is to miss payments and destroy my credit. Please help me.
Consumer complaint received 2022-02-09
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report Account Number : 1433 This Account is inaccurate and seeking litigation please delete it once 2. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2021-05-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was over 30 days late on my mortgage payment due to only now working XXXX XXXX XXXX due to the pandemic. I am now caught up to date with the payment. I have a 30 day late mark on my credit report which dropped my credit score 134 points. I tried to dispute this through the credit bureau and I also called the mortgage company and asked them to have it removed. I thought there was leniency during the pandemic. I would like this removed from my credit report. I have lived here for 15 years and have never been late nor missed a payment. I was waiting on my stimulus check to be deposited into my bank account before I could make the payment.
Consumer complaint received 2015-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is missing information not on my credit report and i have a right to have my credit correctly reported on my credit report. Trans union has done a great job on cleaning up my credit report i just need these items reported correctly in order to offset the fraud that happened in my name.
Consumer complaint received 2015-05-01
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Alliance One, Inc. (TN)

Alliance One was sent a cease of communication notice on XX/XX/XXXX. They began calling my cell phone again on XX/XX/XXXX and XX/XX/XXXX. I sent another cease of communication letter on XX/XX/XXXX via XXXX, which they received on XX/XX/XXXX. On XX/XX/XXXX I received another phone call. I have not received any written communication from them.
Consumer complaint received 2016-02-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

I opened a new business account with PNC Bank on XXXX XXXX, 2016 and then chose to enroll in their Merchant Services ( contract was signed XXXX XXXX, 2016 ). At the time of enrolling I was informed by their representative ( XXXX XXXX ) of the cost the fees to use the hardware for the term of my 4 year lease ( $ XXXX/month with ownership of device at the end of the term ) but was not informed about the potential for further monthly fees for using the associated software on the device. I was intending on replacing my current XXXX service with the XXXX station but was not informed that to make the XXXX function as my XXXX, I would need to purchase an additional software bundle that would cost me an additional {$29.00} a month for the lifetime of using the unit. Had I been fully informed about the potential for these additional fees I would not have signed the contract as it would not have been a sound business decision for me at the time.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX XXXX accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2022-08-04
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. (SC)

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 a account without my written instructions XXXX XXXX XXXX XXXX XXXX / account # - XXXX / {$640.00} XXXX XXXX XXXX XXXX account # - / {$2100.00} XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  )/ account # - XXXX / {$68.00} XXXX  XXXX account # XXXX / {$1100.00} XXXX XXXX XXXX XXXX account # - XXXX / {$2200.00} XXXX XXXX XXXX  XXXX XXXX account # - {$18.00}
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I was due a {$370.00} bonus for opening my checking account. The bank gave me the {$370.00} credit twice on that day. On XXXX they debited me {$370.00}, thus reversing their error. 
In XX/XX/XXXX, I received a 1099 form, from the bank. It showed that I had received a bonus of {$750.00}. This is wrong, since they reversed the second {$370.00} credit. 
I went to my local branch, in XXXX XXXX XXXX. A banker there said it would be corrected. No such thing happened. A week ago, I visited again, speaking to the branch manager. I followed up with the Regional manager. Still no correction Due to their error, I have been unable to file my tax return, and thus my refund has been delayed. 
.
Consumer complaint received 2015-09-30
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ONLINE Information Services, Inc. (LA)

XXXX XXXX XXXX XXXX XXXX Contacted extended family members of mine asking for me by my maiden name, which I 've been married for a long time. They claimed I had a debt and disclosed a dollar amount to the family members, but never stated what the debt was supposedly for, nor have they every contacted me. When I have tried to call it has either been a fast rapid busy signal or the person on the other end wants me to provide my SS # and personal information before they 'll speak with me about this supposed debt under my maiden name. I believe strongly it 's a scam, but regardless they keep calling other people, repeatedly badgering them, and stating each time different amounts that are supposedly owed.
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XXXX XXXX, 2017 I contacted Capital One Credit Card because my card was assessed a fee of {$39.00}. I was informed the fee was for the annual membership in which I denoted I did n't want to pay someone to spend my money. I was transferred to a Supervisor and she supposedly upgraded me to a new card. I initially had the XXXX XXXX card but inquired about a card that would give me mileage and rewards. The Supervisor did n't know of all the rewards with the mileage card but stated I would not have a fee. In addition, she gave me a promotion to reduce my interest. On XXXX XXXX 2017 I contacted Capital 1 and spoke to representative XXXX regarding receiving multiple credit cards one card was a Venture Rewards card and the other card was a XXXX XXXX. I advised the agent that I 'm suppose to have a Venture Rewards card that is accumulating miles and cash rewards. I told her I was upset that all the cards were being mailed given I was the victim of identity theft. On XXXX XXXX 2017 I spoke with representative XXXX XXXX to have the call reviewed because I received another credit card in the mail. Also, she denoted I have a XXXX card but I pointed out the card I have is a Venture card in my wallet. She gave me a {$25.00} credit for the inconvenience and advised it takes 24-48 hours to review the call. On XXXX XXXX 2017 I contacted Capital 1 to see why I had not heard from anyone. I spoke to XXXX who stated they reviewed my call and I agreed to keep the XXXX. I asked if the person reviewing the call to hear that the representative did n't know of all the options for the card but I wanted the Venture Rewards card with no fee, mileage accrual, and cash back. I also asked when they contacted me because it was not on my cell phone at XXXX. If so, to provide a date so I could check my call register. XXXX advised me that although my account has Venture Rewards, I possess a XXXX, my benefits are those of a XXXX XXXX. I denoted that was misleading to me as a consumer. In addition to, my credit on my account was switched over to miles then to a check. Would he could check with IT to confirm? I find myself outraged that I 'm forced to have something that I do n't want. Needless to say, he alleges that the XXXX was for the confusion. I attempted to correct him by stating the XXXX was for the fact that Capital 1 sent me 3-4 cards in the mail knowing I was previously a victim of identity theft and having to  continuously call into their company.
Consumer complaint received 2015-08-11
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliance One, Inc. (CA)

Alliance one found my sister in law XXXX and called her yesterday harassing her for my information regarding collecting a debt. I have no idea how they got her cell phone but my brother called me visibly upset to hear about my personalBusiness. I am ashamed they Let my family know whose business this does not concern. My privacy has been violated
Consumer complaint received 2023-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC (PA)

I have insurance. I have never not had insurance. We have two full time jobs and no serious medical issues. Just routine care. I then pay all medical bills not covered by insurance through an XXXX. Over the course of 2 years, my XXXX paid my bills to XXXX XXXX XXXX and they returned the payment to my account each time. I would pay the bill- they would return it. Over and over. I called and no one knew what was happening. 

Finally, I changed the way I was paying and started using the XXXX as a credit card to pay online instead of an electronic transfer and it worked! I paid all past balances- everything they said I owed, even things I thought I already paid many times and I have had a balance of {$0.00} on my XXXX account since XXXX of 2022. 

I am still receiving collection letters from 2 different collection companies. I disputed one through XXXX and successfully had it removed from my credit report. The second continues to send letters and emails. 

I would like XXXX XXXX XXXX to STOP reporting my debt as unpaid as I have paid all debts and my balance is {$0.00}.