davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Office of Michael J. Scott, PC (PA)

XX/XX/XXXX - {$500.00} ( portion of COVID-19 Fed. Govt. relief package ) was sent to XXXX XXXX XXXX ( a collection agency for XXXX ) advising that no additional funds were available. 

XX/XX/XXXX - Received collection letter from collection agency, XXXX XXXX XXXX, that I am on Social Security XXXX, and I am " judgement proof '' and no sources of government assistance ( which is my only income ) can be garnished. Advise XXXX & XXXX that I do not want to be contacted in the future using any communication whatsoever and that further contact would be considered harassment in violation of the Federal Fair Debt Collection Practices Act 15 USCA Sec. 1692c. 

XX/XX/XXXX - a new collection agency, XXXX XXXX, acting to collect this same original XXXX debt, sent another collection letter to which I responded with almost an identical text as the XX/XX/XXXX letter. 

XX/XX/XXXX another collection agency, Scott and Associates, PC, has attempted to collect this same, outstanding debt. 

I can only assume that XXXX ( account ending in XXXX ) is attempting to use various collection agencies to disguise harassment attempts over time. 

I am, therefore, reporting this latest harassment attempt to you, the Consumer Financial Protection Bureau. 

I have included copies of the relevant correspondence as attachments. 

Thank you.
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc. (GA)

I initially found out about XXXX via an online advertisement, and decided to check it out. Upon applying for the loan, I noticed that the application process was fairly simple. I was approved for {$810.00}, {$12.00} of which would be used to expedite the funds transfer into my account. The amount to be paid back was {$1300.00}, spread out over a 10-week period, which is extremely high for a pay day loan, but I was limited on options and decided to go through with it anyway. When the funds were issued to my account, I only received {$740.00}. Seeing this, I figured that the {$58.00} would be deducted from the balance or my first payment but it wasnt. This led me to do a little more research where I found out that the company was a scam that preys on struggling gig workers and entrepreneurs.
Consumer complaint received 2018-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported  and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements
Consumer complaint received 2017-08-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (MI)

I 'm not exactly sure who is or should be servicing my loan at this time, XXXX or Sallie Mae. My first disbursement date was XX/XX/XXXX in the amount of {$1200.00}. I may have received some false or misleading information when I expressed financial hardship to Sallie Mae in XX/XX/XXXX, I 'm not sure if I should take the suspension since I 'm still able to make payments, I 'm just wondering how often they 're going to change the interest rates. They told me that my only option was a temporary suspension of payments. In earlier months ( not sure when ) I was told to call XXXX, either way, I feel like I 'm being taken advantage of, please help
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

My complaint is with Regions. I kept getting overdraft fees for the same purchase and return item fees. XXXX I had 3 fees and XXXX I had 9 fees. Just those 2 months totaled {$570.00}. Messaged and called Regions several times to resolve this.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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. 

XXXX XXXXXXXX XXXX  : # XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX 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 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 2020-07-16
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-03-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Choice Money Transfer, Inc. (DC)

The company is Small World Money Transfer I have reached out to this company numerous times and still my transaction is supposedly under review since XX/XX/2023 but they had sent emails telling me that they don't know when my transaction will be completed and sent but offer no solutions. I just want my money returned this company has numerous complaints against them but is Still allowed to operate without investigation. Some times the phone number works and it's difficult to reach them I just want the return of my money. I made 2 transactions the same day {$10.00} each totalling {$20.00} I DO NOT WISH TO DO BUSINESS WITH THIS COMPANY ANY FURTHER I WANT MY MONEY BACK.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (RI)

In XX/XX/XXXX, my mother used my Discover card ( Account # XXXX ) for an auto mechanic purchase of {$800.00} without my knowledge. When I received my statement and asked my mother about this, she told me she did n't have the money at the time and needed to use my card and would pay me back. 4 months later, she was diagnosed with XXXX XXXX XXXX XXXX and became bed ridden and retired from work and was never able to repay me and passed away in XX/XX/XXXX. Due to my emotional stress and personal nature I neglected to report this claim and as the interest accrued over an illegal purchase discover eventually contracted to relieve me of my debt but their law office ( XXXX XXXX XXXX, XXXX. ) continued to attempt debt collection breaching the new contract Discover Card had made with me and is now attempting to garnish wages based off this false claim of debt. Discover card claims that this is a breach of their Cardmember Agreement of which I do not have a copy of nor do I have any proof of signature that I signed this document.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CRED Technologies dba cred.ai (TX)

For one thing XXXX  card is not a conventional credit card by any means yet they are backed by the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ) and yet, their emergency support line ( XXXX ) XXXX rarely resolves customer concerns in a prompt and timely manner. There is never a supervisor or manager when requested and to date, NO managerial staff ever contacted me back regardless of how many times i ask for one. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX therefore, they do not realize the gravity of an issue and the problem is compounded terribly. 

ON XX/XX/2022, I promptly disputed almost {$3000.00} in UNAUTHORIZED TRANSACTIONS made on my account due to my XXXX and wallet with all my bank and credit cards being stolen and as embarrassing as it was I provided further proof to XXXX via email that i was " unavoidably detained '' due to wrongful incarceration and went to further explain that my XXXX XXXX has been hacked. Their support staff REFUSED to update the new phone number or email and each time they send a confirmation email, it gets sent to the hacked email so the perpetrators were well informed of what i was doing to recover access to my accounts. I wasn't able to pay any outstanding bill since XXXX refused to issue even provisional credit while the investigation was ongoing. Due to their repeated refusal to credit back all the UNAUTHORIZED TRANSACTIONS, I have been forced to suffer late fees, penalties, and impacts to my credit history and still to date, they have not provided good reason WHY they are withholding my funds from my 2 govt. Direct deposits ; they refused to give me pertinent information so I could change my direct deposit to another bank and it was not until 5 days ago, I was able to finally access my account so i was able to transfer my XXXX direct deposit. Still, after an INSIRMOUNTABLE amount of phone requests and emails, they still REFUSE TO CREDIT {$3000.00} back to my account and I still have not received any email responses to any escalations to my complaint to their emergency support phone line. I have been forced into eviction because of these missing funds which they still refuse to credit 30 days later. They have terrible fraud protection measures and lousy customer service - false advertisement at best. I EXPECT my funds today or an explanation from their executives WHY they can keep my money. 

Their dispute department is non-existent and has given me NO REASON AT ALL WHY my money has not been refunded. I even told them a police report has been filed
Consumer complaint received 2022-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

After i reviewed my credit report i noticed some entries that i did not authorize. I submitted an Identity Theft Report with the FTC and sent it to the CRA 's. I did not give my permission for anyone to pull my credit nor apply for anything. Please delete the inquiry entries i did not authorize : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

On or the month of XX/XX/2020 I made a order from kohls using my credit card ... I had noticed that my order had not came in this was during the height o corona virus I tried calling kohls over and over again to check on my order but was never able to speak with anyone because their system was so flooded with calls so I figured I had not received my product because everything had slowed down do to the pandemic around mid XXXX I checked my credit report and I saw where kohls had put a bad report for none payment on my credit report I contacted kohls ask them to explain why did they put incorrect info on my credit report I asked them how do I owe u a bill for something I never receive that I never received my product and that I called and called to check on my product and because their phone system was flooded with so, any calls there would either be hours of wait time or they ere only allowing so many calls into their system.I explained to the representative that I had been trying to get my product and why did kohls never sent me a bill or never called me saying I owe this bill I was told to pay the bill and all my money would be returned and that they would correct the problem with the credit reporting agent..kohls sent me a check for my full amount but never correct the negative on my credit report ... .I am asking that kohls remove the negative info from my report because I have did nothing wrong ... it was kohls who didnt do their job its kohls who did not send me my product but expected me to pay for products that I never received ... is was kohls who, did the research and realized that I did not get my product and returned me all of my money for a product I did not receive even tho they know I am correct because they agreed and refunded me my money but they still refuse to remove the negative lie that they put on my reports and that is against they law to put negative info on someone report .I am asking kohls to, please remove their negative info like they said they would 3 months ago
Consumer complaint received 2023-07-26
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-21
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Revenue, Inc. (NJ)

I received a notification that there was a collection account being added to my credit report. This account I am not aware of. I have filled out an FTC Affidavit and a police report attached. The account needs to be removed from all three credit reports and closed a s identity theft.
Consumer complaint received 2018-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, a XXXX XXXX XXXX check in the amount of {$12000.00} made payable to me ( XXXX XXXX ) for an injury payment from XXXX insurance was stolen. Although the check had been endorsed to my XXXX XXXX XXXX XXXX account, had the account number and " for deposit only '' on the back of the check, the thief was able to replace my name with their name and address on the front of the check ; replace my signature on the back of the check ; however, the account number or " for deposit only '' was not tampered with. The check had already cleared when I became aware it had not reach my financial institution. According to a copy of the cleared stolen check that I obtained from XXXX it looks like the check cleared or was deposited on XX/XX/XXXX at a JP Morgan Bank. Even if the " fake name and signature '' on the check matched, what is the probability that the thief and I had the same account number???? A police report was filed and I have been working through XXXX to get the issue resolved. XXXX XXXX, my XXXX injury case manager that the process could take up to 90 days and that XXXX XXXX XXXX would contact me and send a package of information to complete for its investigation, initially told me. XX/XX/XXXX, I had not heard anything from XXXX XXXX XXXX so called and emailed XXXX XXXX. I asked for points on contact for XXXX XXXX XXXX at that time and was told XXXX XXXX would be the liaison and follow-up on this issue. This process was new to him as well and he was following the guidance of his supervisor. There have be intermittent follow-ups. My last update from XXXX XXXX on XX/XX/XXXX ; he stated that XXXX XXXX XXXX was trying to get the bank to make good on the check because it should not have been cashed and the outcome would be known on XX/XX/XXXX. I called ( left a voice message ) and e-mailed XXXX XXXX on XX/XX/XXXX after not being contacted with any new information. This lack of information has been occurring throughout and I have been very patient during this wait time. I asked for information on points of contact at XXXX XXXX XXXX, file number associated with this case and other information, as I needed to be much more involved and explore other options. I am very exhausted at this point. I spoke to someone in this office ( Consumer Financial Protection Bureau ) and told how to submit a complaint on line. If your office can help in any way, I will be most grateful. I was also told to contact the Georgia Bar Association to get the name of an attorney in my area. 
( Note : I think the check may have been stolen from my mailbox but am not certain. I send checks from my rental property to my bank that was as well and this has never happened ). I do not put anything of value directly in my mailbox anymore. Thank you.