davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (NC)

I purchased a clothes dryer from XXXX XXXX XXXX several months ago. I have made all my payments within the week due before a late fee was assessed. I am XXXX XXXX and get paid at random times which I told them at time of purchase. The date my payment becomes due, the company starts repeatedly calling and texting my personal and business phone. They proceed to call at least 12 times a day. Twice I have asked them not to call me repeatedly and that I would report the practice as harassment but they continue to call several times afterwards. Today they have called 12 times. My payment was due on XX/XX/XXXX so it has just reached one week which is the latest it has ever been. I usually pay it within 3 days of the due date. This is affecting my work and I an unable to answer business calls because they continue to call about every hour.
Consumer complaint received 2021-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pendrick Capital Partners (GA)

On XXXX I filed a CFPB complaint against this company for HIPAA violation in regards to sharing my medical information. I was informed in a response from this company as well as the original creditor Pendrick Capital Partners on XXXX that all previous debts should be removed and deleted from my credit reports. Unfortunately this has not been the case as the debt from XXXX XXXX XXXX is still showing on my XXXX  report in spite of all other collections from PCP being removed. I would like for this collection to be removed and deleted from my credit file ASAP please.
Consumer complaint received 2020-07-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A VIOLATION OF THE FCRA. I AM BEING IGNORED BY THE BUREAS AND THEY ARE NOT CONDUCTING PROPER INVESTIGATIONS.
Consumer complaint received 2018-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

In early XX/XX/XXXXI mobile deposited three checks into my checking account at Wells Fargo. Two were from an individual, XXXX XXXX, for {$410.00} and {$340.00}. The other was for {$30.00} from XXXX XXXX XXXX XXXX ( which is XXXX XXXX credit card operation ). The checks never showed up in my account. The weekend of XX/XX/XXXXI called Wells Fargo to ask why they never showed up. They said they were not deposited correctly, so onXX/XX/XXXX I deposited them into a Wells Fargo ATM machine. The check from XXXX XXXX was rejected, and Wells Fargo charged me an {$11.00} returned check fee. When I asked why the fee, they said whoever wrote that check did not have enough money in his/her account and it was overdrawn ( which is absurd since it was XXXX XXXX ). XXXX XXXX XXXX then informed me that XXXX XXXX XXXX debited his checking account twice for the exact same checks, once on XX/XX/XXXX and again on XX/XX/XXXX. He sent me a text showing the two debits.

I contacted Wells Fargo again on Sunday XX/XX/XXXX and explained ( over the course of an hour ) that obviously the three checks had been processed in XX/XX/XXXXeven though they were never credited to my account. Wells Fargo said they would investigate and get back to me.

In the meantime on XX/XX/XXXX I called XXXX XXXX to ask why the {$30.00} deposit made on XX/XX/XXXX had been rejected. XXXX XXXX said it was because it had already been processed onXX/XX/XXXX. XXXX XXXX   got Wells Fargo on the phone with us to explain, but the Wells Fargo rep was clueless and had no idea what to do.

Today, onXX/XX/XXXX, I got a call back from Wells Fargo. Today they said I had to call XXXX XXXX   to get them to them to reissue the check, which they won't do because it was already paid once ( even though I never got the {$30.00} ). XXXX XXXX is sending me proof in the mail. Wells also said that the two checks to XXXX XXXX had been deposited into an ATM machine in XX/XX/XXXX. This is also absurd because the checks were not even written until mid-XX/XX/XXXX. I did deposit one check from this same individual in an ATM onXX/XX/XXXX, for {$340.00}, but it was a different check. It was check no. XXXX. The XX/XX/XXXX check was XXXX. So obviously Wells Fargo did not even bother to look at the check to see they were two different checks.

At this point, Wells Fargo still refuses to rectify the situation or admit it did anything wrong. I am out {$30.00} from XXXX XXXX  and XXXX XXXX. is out {$750.00} because his two checks were paid twice ( although I was only paid once ). I wonder how many other people made mobile deposits that were never credited to their account. Is this another " scandal '' waiting to break open at Wells Fargo?
Consumer complaint received 2021-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC (GA)

On XXXX I filed a CFPB complaint against this company for HIPAA violation in regards to sharing my medical information. I was informed in a response from this company as well as the original creditor XXXX XXXX XXXX on XXXX that all previous debts should be removed and deleted from my credit reports. Unfortunately this has not been the case as the debt from Ability Recovery Services is still showing on my XXXX  report in spite of all other collections from XXXX being removed. I would like for this collection to be removed and deleted from my credit file ASAP please.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Citi keeps delaying resolution. First 5 days, now 15. They lure new customers with promise of bonus. They have taken my money hostage, closed my checking after 3 months rather than 12 without asking, sent letter that insisted I deposit more money in my savings, did because thought related to bonus. Another agent said I really didnt have to add more money go figure. Turns out it gives me premier account with relationship manager which I never asked for. They say bank tried to deposit in my checking in XXXX but closed so transaction failed. Why did they close and why didn't they put in savings? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All I want is my bonus cash as they promised. Should really be > {$750.00} since they made me deposit more. I feel scammed. [ Furthermore, my sister is also dealing with this same issue and waiting for her bonus. ]
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (FL)

There is an account on my credit that DOES NOT belong to me.I have never had XXXX XXXX. This is NOT my acount. It does not belong me. I also have some inquiries on my credit for things I've never inquired about. Please remove these items from my credit. Also I need a new copy of my credit report.
Consumer complaint received 2019-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (CA)

In or about XX/XX/XXXX I got a home equity line of credit for {$120000.00} Account number ending in XXXX. 

The account was an open line of credit and transitioned into a term loan ending in account # XXXX In XXXX filed for Bankruptcy. 

Included in the Bankruptcy from XXXX was CitiBank account ending in XXXX XXXX XXXX XXXX & CitiBank has made several attempts after bankruptcy to collect via phone calls, voicemails, recorded phone calls, and via USPS mail in XXXX and XXXX. A lien is also on the title of my home and is in and of itself pressure and an attempt to collect on this discharged debt. This is harassment. do not call me as I am represented.
Consumer complaint received 2018-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Navient is my loan servicer Navient always got me to postpone payments through forbearance, an option in which interest continues to accrue, rather than enroll in an income-driven repayment plan that would avoid fees, Consumer advocates say loan servicers steer borrowers toward forbearance because it requires substantially less paperwork than enrolling them in low-cost plans that peg monthly payments to a percentage of income. My Students loans are more then half fees and interest.
Consumer complaint received 2018-07-10
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: Navient Solutions, LLC. (NY)

Loan Number XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX I called Navient several times to fix what is reported on my XXXX and XXXX report however I have seen no results. I've made 8 consecutive payments and my account is in good standing with Navient however, this is not reflected on my credit report.
Consumer complaint received 2018-07-10
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: PENTAGON FEDERAL CREDIT UNION (FL)

my card was stolen and my son who is on duty was overseas there claiming this signature which is just a line is mind or my families which is not this is not our signature nor is it my sons or my daughter who live in my house but where over seas at the time and there is proof penfed made this decision illegal knowing its fraud and are violating my rights under the FCBA they need to be investigated as this is a routine matter they deny legitimate fraud claims the XXXX police report number is for the fraud is XXXX phone XXXX
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (AZ)

My mom received a phone call from a debt collector last month in XXXX. They stated they were looking for me, trying to collect a debt that they state I owe, the amount of the debt, company they say I owe, and so on. They told her that if I didn't call them then they would take it a step further and would sue me. " She didn't want that to happen did she? '' is what was said. According to online records the company shows that they are permanently closed. I also tried to call back and no one answered. Fast forward to today ( XX/XX/2021 ) and I receive a pre-recorded phone call regarding a debt. The message states they have been trying to reach me in regards to an arrangement with their client. No one again answered when I called back. I haven't received any correspondence from this company, nothing is on my credit report regarding a collections account, and I have never had a company contact my family. I don't even know what it is in regards to. My mom didn't even know how they got her information or why they were calling her. I haven't changed my cell phone number in over 15 years and haven't moved in 4 years. This company is calling my family and giving them all of this information for a debt I know nothing about. I am not a minor so it's not even legal. I contacted them again today by email and asked that they only contact me by writing, but I am at a loss for what to do. They have a class action lawsuit against them, horrible reviews on the XXXX, and most reviews say they are scammers. 
I am looking for the harassing phone calls to stop but I don't know what to do. The company states they are Direct Recovery Services and XXXX XXXX called me today. A lady called my mom but she didn't write down her name.
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CA)

Please forgive me but I want to make a disclosure to you because I don't want to come off as deceptive. I attempted to make a complaint in XXXX but your website would only allow me to make a complaint in English. To this end, I am using a translator who is filing this complaint on my behalf while I am present to convey my words to him. I hope this is enough. The nature of this complaint is that I am tired of fighting an account with XXXX. For years I have been contacting XXXX  because I keep receiving collections notices from various different collectors saying I owe XXXX  money. for years the collectors have removed the account from collections only for the account to reappear with a different collection agency. Every time it does, I call XXXX and they swear I do not owe them money nor do they have any records of me owing them money. In the end I still have the account appearing on my credit report and hurting my credit. What am I supposed to do? I'm not familiar with procedures to go after the companies who are trying to mess with me and I'm not a person who likes to run to the courts for something which to me seems so simple. Can you please stop XXXX  from either lying to me or to get them to call the collection agencies who are reporting XXXX  collections and stop them from pursuing something I don't owe. If I really don't owe these bills, which I know I don't, then they shouldn't have a problem contacting people committing fraud in XXXX 's name.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I tried to make a purchase using a {$25.00} AmEx gift card at XXXX XXXX 's website. The order was cancelled so I attempted to put the balance on my XXXX XXXX account. After several attempts without success, I contacted AmEx customer service. They told me to wait until a specific date ( XX/XX/22 ) for XXXX XXXX put the money back to the gift card. I waited and tried again without success to put the card on XXXX XXXX so I contacted customer service again. They told me that the card was locked after too many attempts but that I should try again the next day. I waited several days and tried again with no success, so I contacted customer service once again. They said a supervisor would contact me but I received no such call. I tried a second time on XX/XX/22 and was told a supervisor would call me within XXXX hours. No call ever came so I tried to buy a XXXX XXXX gift card today but the card was declined. I tried calling customer service again today but was disconnected after XXXX minutes. I have now spent more than XXXX hours trying to use a card that can not be used and the company will not either send a physical card or cancel the current card and offer a new card. I am now out of the {$25.00} value unless this Bureau will help me.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: INTERCONTINENTAL CAPITAL GROUP (CA)

I got a letter from Intercontinental capital group XXXX XXXX XXXX Ca. XXXX with a Visa {$100.00} gift card telling me to call ( XXXX ) XXXX, I called the number and a Mr. XXXX XXXX told me there is no strings attached to the card activation so I told him to please Activate my card he then told me well you have to do a servey, I asked him so youi just said there is no strings attached??? So why would I have do a servey? he refused to activate the car I told him that that is fraud per 448 california Penal Code for fraud. He still refused so I call the number on the back of the card got a man who did not want to talk to me due to the fact I had my phone number wrong I have XXXX and am XXXX, I asked him if he knew what ADA was he said NO! I hung up due to a second person got on the line and said it is ok to attach strings even though they say there is none i hung up. 
This is fraud I cant believe that this is going on.
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

Please see attached letter 's mailed to your CARDMEMBER SERVICES XXXX XXXX XXXX XXXX, DE XXXX and to your Chase Bank Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.
Consumer complaint received 2020-07-22
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. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2021-01-21
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: TD BANK US HOLDING COMPANY (DC)

In XX/XX/2020, I was denied credit. I requested a copy of my credit report and discovered I am the victim of identity theft. I have placed all credit bureaus on notice. XX/XX/XXXXjust informed me that they contacted TD/BANK USA/TARGET CREDIT. TD/BANK says the account is accurate. 

TD/BANK will not supply any information used to open the account -- - where it was opened, what was address used, what was the telephone number used, how did they verify, signature. 

THE ACCOUNT IS FRAUDULENT AND I DID NOT OPEN IT OR THE SEVERAL OTHERS. MY CREDIT WAS PERFECT!
Consumer complaint received 2022-01-07
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. (MI)

My credit report is not updating every month as it should be. I have not received an update on my experian credit report in over 3 months. Every other company show me updated items and scores every month except experian
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: HCFS Healthcare Financial Services of TeamHealth (FL)

A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
Consumer complaint received 2020-11-16
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. (PA)

I have asked for this account to be validated multiple times, All i ever received wa the letter i attached below ... ..I was never sent a copy of my wet signature signed contract ... The amount due on the document XXXX sent to me does not match the amount of the balance on a my credit report says how can they claim that they investigated this properly and that it is reporting 100 % accurately? I have attached a few of the letters that i have sent all 3 credit bureaus as well as the letters i directly sent discover via usps ... ..i have also attached a copy of my credit report with multiple differences reporting between the 3 bureaus and multiple violations in the reporting..this account has been re-aged, how are they reporting a credit limit on a charged off account? the high credit limits dont match, date of last payment does not match and im sure there are more that i do not know about ....
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXe # XXXX Loan me # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX 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.
Consumer complaint received 2020-05-13
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I contacted XXXX regarding hard inquiries that needed to be removed. I was told to contact the Companies directly to verify if they had authorization to run a credit report. Some of the Companies do not have phone numbers. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX JPMCB Card XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2018-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

A business associate who also lives in Georgia earned a commission and on the memo line of the online bill pay I wrote the name of the client for whom the commission was earned. The XXXX of XXXX XXXX XXXX department of Chase Bank flagged the transaction on XX/XX/18. The amount of the payment is {$8800.00} and the funds have been suspend for over a month now. The XXXX department is requested personal information on the person listed in the memo line full name ( first, middle and last ), the date of birth ( mm/dd/yyyy ) and place of birth for XXXX XXXX I don't have access to this information and it's none of my business. 

I've escalated this from the online baking department to the branch to the branch escalation department to the executive office to the manager of the executive office and there has no progress. I've XXXX filed a complaint with XXXX and they haven't responded. I've contacted an attorney and he says I have no rights. I've contacted the office of my XXXX who's on the XXXX XXXX XXXX and they have responded. 

I need help resolving this matter and getting these funds back. Please assist me.