davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Social Finance, Inc. (RI)

Sofi Securities charged {$20.00} to my XXXX checking account in 2 transactions once for {$10.00} on XXXX XXXX and again for {$10.00} on XXXX XXXX but posted only {$10.00} total to my Sofi Securities account and will not refund duplicate settled {$10.00} bank charge.
Consumer complaint received 2015-08-27
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: Lendmark Financial Services (NC)

A loan office employee approached XXXX of my coworkers while they were outside on their lunch break in front of our place of employment and asked them, " Do you know ' [ first and last name ] '? She owes us money and I know she works for this company, but I did n't know if this location or not ''.
Consumer complaint received 2016-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (NM)

Stellar Recovery Inc. has placed a collection report for {$100.00} on my XXXX report as of XXXX/XXXX/2016 with no communications via mail or phone. If they claim to have notified by mail, I have not received them.
Consumer complaint received 2019-02-23
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. (GA)

accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. 
Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon reviewing my TransUnion credit reports I researched several incorrect *reported addresses and telephone numbers* listed as my personal contacts. One of the telephone numbers was the personal cell phone number of an employee seeking debt collections : XXXX ( Health Care Bill ) ... the employee 's name is XXXX, XXXX ( *reported number listed as mine ). Is this a legal procedure to provide my personal financial information to a medical collections/billing employee of a debtor? I truly feel violated in privacy and would like to know more about why XXXX personal cell number is listed on my personal credit report without my consent or permission.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was a loyal customer for over 15 years with BofA. I had about $ XXXX balance my credit card with them. During the Covid pandemic, I experienced some financial hardship and missed a few payments but chose to use much of the stimulus money I received to pay the card balance thinking I would be able to use the card to cover living expenses. However, when I attempted to use the card, I found that BofA had closed my account without informing me. The account closure not only caused additional financial hardship since I was unable to access the stimulus money needed to cover living expenses, my credit score took a massive hit as this account made up the bulk of my credit limit. I was unable to get any other credit lines because my utilization was now in excess of 100 %. I tried multiple times to ask for BofA to reinstate my account not only to pay the balance down but to have access to the credit limit that took me 15 years to build with them. They refused to reinstate my account, sent me to collections, levied a judgement against me, and are now garnishing my wages. I don't have a problem paying the balance I originally owed. I do have an issue with paying for double that amount in legal fees that resulted from an action they took against me ( closing my account ) that I did nothing to warrant.
Consumer complaint received 2015-08-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Pinnacle Credit Services, LLC (FL)

I hired a company to clear false information in my credit report. I received this letter from XXXX representing Pinnacle Credit Services , LLC. Threatening legal action etc. if I do not pay the amount they requested and/or contact them to dispute or validate said account.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I am a XXXX woman XXXX XXXX on XXXX XXXX doing business as a XXXX XXXX in NY state. On XX/XX/2020 It was requested from XXXX XXXX a price quote from XXXX XXXX for XXXXXXXX per case quantity. I received a quote # XXXX with pricing and availability. On the price quote paperwork the product was to be shipped to the XXXX  DEP in XXXX, NY. On XX/XX/XXXX I received a invoice from XXXX and immediately saw a charge of 3 times the amount of the order placed. Upon calling XXXX company I was told I could only speak with the owner who was on vacation. During this entire week the only communication was an emailed me to saying invoice and product delivered was accurate. On XX/XX/XXXX on behalf of the XXXX-DEP I returned the cases of XXXX via XXXX. Since that time I have been trying to recover my refund on the credit card thru Chase Bank. They have been unhelpful stating XXXX company states they no not accept returns and also stated XXXX is also a chase merchant and it is a conflict. I was also told too much time has passed and they can not force XXXX to refund my money. I have been in constant back and forth since this has happened on XX/XX/XXXX. At no time did XXXX state a no return policy to me in writing or verbally. I have documents to support my claim. XXXX received the return of lubricators and want to keep the money I paid as well. This is unfair and unreasonable. They received their product back and the money that was originally paid. I was overcharged for a product by over sending the amount ordered. The XXXX-DEP would not accept this error. The buyer at the DEP-XXXX  water treatment plant asked me to pick up and return. The order was refused and the DEP omitted the payment on purchase order to XXXX XXXX XXXX. 
I did not get paid on this order but paid to have this order sent and returned and now told chase can not help with this dispute. 

Please help me resolve this issue. I have attached the dispute paperwork for your review. 
I do appreciate you attention on this matter
Consumer complaint received 2015-08-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MD)

An Affidavit of Truth Final Opportunity To Cure was sent to representative ( s ) and/or Agent ( s ) of SLS Loan Servicing on XXXX XXXX, 2015 pursuant to the federal FDCPA and Title 15 section 1241 of the Real Estate Protection Act. SLS was required to respond to questions pursuant to the FDCPA in thirty ( 30 ) days. SLS has dishonored. SLS has also failed to timely respond to issues pursuant to " RESPA ''. SLS in addition to XXXX XXXX XXXX, XXXX lack standing in this matter and claims that a debt is owed to them are frivolous. SLS in addition to XXXX XXXX XXXX have had more than enough time to Cure their Fault. SLS continues to hinder my life & liberty with inaccurate reporting on my Consumer Credit Report. SLS claim is on its face and I have supported all facts with material evidence. This is my final attempt to obtain private remedy before moving my complaint to a court of competent jurisdiction.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I placed  a 90-day ale rt on all  XXXX  credit bureaus in  XXXX .     While on signing up for the TransUnion alert, Transunion 's online site asked if I wanted to " lock '' my account. I clicked this feature.     This week, my bank attempted to pull a credit report for completing a credit card application. However, TransUnion is showing an account " freeze ''. When I called TransUnion freeze  XXXX  phone number, they said that I only ha  ve a 90-day alert ( no " freeze '' ) but the online " lock '' will show up as a freeze to others. They directed me to another phone number. Then I was walked through the " unlock '' via online and told to wait 15 minutes.
After 20 minutes, my bank was still unable to access my credit report and TransUnion was requiring a PIN. I called TransUnion again and was transferred or told to call 4 different people, bouncing me between the online TU dept and the Fraud Assistance Dept.
Online TU dept is saying the lock is showing as off and sending me to the Fraud Assistance Dept. The Fraud Assistance Dept insists that any issues from using online lock feature must be solved by the Online TU dept. I 've b  een trying to solve this issue for o ver 2 hour s and bounced between various phone numbers ...  XXXX ,  XXXX ,  XXXX ,  XXXX  ( sent this direction 2 times ), and  XXXX  ... and attempted to talk to a supervisor at th  e Fraud Assistance Dept ( who said he could n't help either because there is no " freeze '' on my account ).
Worst system that I 've ever seen. Worse yet since I have to depend on these credit bureaus to fight off an identity thief attempting to open loans and credit in my name. Curious if I 'd have all these issues if I was willing to pay TransUnion for their service ... sure seems like a play to force victims of id theft to pay TransUnion to avoid staying a victim ( even one to Tra  nsUnion treatment )!
Consumer complaint received 2015-12-11
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: The CBE Group, Inc. (UT)

CBE Collections put a collection for a medical bill on my credit reports. I do n't even owe any doctor or hospital bills, and I think this is a scam. I think they are trying to get me to pay for something that never existed in the first place. I went out to the XXXX for the State of Iowa where this company has its headquarters and there were many complaints about this company targeting seniors in just this way.
Consumer complaint received 2024-05-09
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

Dear Sir/Madam, I am writing to express my concern regarding a recent collection notice I received from Pro Collect. This was the first instance where I was made aware of the alleged debt. I promptly contacted Pro Collect upon receipt of the notice, only to encounter an uncooperative agent who did not take the time to understand my situation. 

Despite not receiving any prior information about this debt from my landlord, I took the initiative to reach out via Pro Collects website to gain clarity on the matter. In response, a supervisor provided me with the necessary details on XX/XX/XXXX, and I immediately settled the amount in full on the same day. 

However, I am perplexed as to why this matter was reported to the credit reporting agency, thereby negatively affecting my credit history. This seems particularly unjust given that I was previously unaware of the debt and promptly cleared it upon notification. 

I strongly believe that the actions of the landlord and the debt collector have unfairly tarnished my credit history, making it challenging for me to pursue homeownership. It is important to note that I have maintained an impeccable rental history, never missing a single payment. Furthermore, I returned to the same apartment within 30 days of moving out, providing ample opportunities for the landlord to inform me of any outstanding dues. 

I kindly request your immediate attention to this matter and look forward to a resolution that rectifies the impact on my credit history. 

Thank you! 

XXXX
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: LEXISNEXIS (NJ)

This credit reporting agency attempts to circumvent the entire system of the CFPB. Basically, this agency types up a standard template response in an attempt to quickly close consumer generated complaints. In fact, under original complaint filed with the CFPB ( XXXX ) filed on XXXX XXXX, 2016, this agency stated that they would make the appropriate corrections within the 30 day Fair Credit Reporting Act. Well, it is now almost 60 days, and this disorganized, unethical company has not provided any updates, no communication, nor have they followed the Fair Credit Reporting Act. It is no wonder that most large companies do not depend on any information from this credit repository.
Consumer complaint received 2015-10-21
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: IQOR US INC (KS)

Allied Interstate, LLC-representative XXXX XXXX called me while I was at work. This is a new job for me, and has not been listed on any of my student loans or for collections. This representative did not call the main line at XXXX XXXX ; he called the Shared Solutions line for XXXX and asked to the XXXX agent to transfer to me personally. We are a HIPAA entity and have patient sensitive information on our screens all day, but he still called a private line used for XXXX for patients w/ XXXX . He stated that they just received the collection matter from XXXX XXXX XXXX last week on XXXX/XXXX/15 for a debt on a private student loan over {$39000.00}. The rep stated that he had a cell phone number listed and he tried to call it right before calling my work on a HIPAA line ; however after checking my phone records this rep never even tried to call my cell phone ; he just called me at work and not on the main work line, he called on the Shared Solutions/Copaxone line used for patients. He then stated I needed to call him back on my break at XXXX ; so I did twice and the rep never answered and I left 2 messages which were never returned. The rep during the call said, " Why would n't I call you at work you owe over {$39000.00}, and I 'm trying to help you ; I can offer you a deal to get this paid off. '' I have never received any communication via or written from Allied Interstate prior to this call at work. The rep was very rude, and I still do n't know if they actually have this loan in their collection office, and I question that they got the loan in their office on a Sunday XXXX/XXXX/15. My main concern is that Allied Interstate , LLC ( this is where the rep said he worked for ) has had the loan in their office for 1 week, they have n't tried my cell phone if they have no messages were ever left, I 've received no written communication ; the first communication I receive is at my work that the rep called on a private line for Copaxone patients ; also, I was not able to determine if this was a legit company and if they really have the loan in their office to collect on as the rep was vague and rude ; I also returned his call as requested and my call was sent directly to voicemail with XXXX messages never returned. I do not have my current employer phone number listed for any purposes at this time, and not for sure how they even got the XXXX phone number to call me ; which is n't even the employer themselves ( XXXX ) but one of their private patient lines.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I CHECKED MY LAST 10 TRANSACTIONS ON XX/XX/20. ON XX/XX/20 THERE WAS A CHARGE FOR XXXX MADE TO MY ACCOUNT FOR A COMPANY CALLED XXXX XXXX FOR MY XXXX XXXX. I HAVE NEVER CONTACTED OR PURCHASED ANYTHING FROM THIS COMPANY. I HAVE TRIED SINCE XX/XX/20 TO RESOLVE THIS ISSUE WITH BANK OF AMERICA WITH NO RESULTS. I HAVE SPENT ALMOST EVERY DAY ON HOLD WITH THEM TO CORRECT THIS, FOR A TOTAL OF 27 1/2 HRS, AND I STILL HAVE NOT BEEN ABLE TO TALK TO ANYONE IN THEIR CLAIMS DEPT. NOT TO MENTION I HAVE TO GET UP AT XXXX XXXX TO CALL WHEN THEY OPEN. EVERY TIME I HAVE CALLED I SIT ON HOLD FOR BETWEEN 1 TO 3 HRS AND NEVER GET ANYONE ON THE PHONE. I HAVE ALSO TRIED THEIR WEB SITE AND IT SAYS THEY CANT FIND MY ACCOUNT. WELL, THATS FUNNY BECAUSE I HAVE RUN ALMOST XXXX THRU THIS ACCOUNT. I WANT THIS CLAIM PAID. I NEVER BOUGHT ANYTHING FROM THIS COMPANY. I CANCLED THE ORIGINAL CARD ON XX/XX/20 WHEN I FOUND OUT ABOUT THE FRAUDULANT CHARGE AND WAS ISSUED A NEW ONE.
Consumer complaint received 2016-10-19
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

on XX/XX/2016, I received a call from a person by the name of XXXX from the law firm of XXXX XXXX, which is a principal partner of XXXX XXXX XXXX. According to XXXX XXXX, she represents Portfolio Recovery Associates and she was calling to negotiate on their behalf. Based on information provided to me by Portfolio Recovery Associates one month prior to receiving the call from XXXX XXXX, I had a total debt of {$670.00}. As such, on XX/XX/2016, XXXX XXXX, who I assumed was representing Portfolio Recovery, negotiated with me and agreed to accept {$300.00} as total payment, and according to her, the debt was settled. According to XXXX XXXX, the conversation was recorded and that she was going send me a confirmation letter in the mail within XXXX hours. As of today, XX/XX/2016, I have not receive this letter. In addition, XXXX XXXX, has not return numerous phone messages that I left for her in her voice mail. I have sent a validated bank receipt of the transaction on XX/XX/XXXX which shows that XXXX had withdrawn {$300.00} dollars out of my checking account to the XXXX major credit bureaus for them to investigate this matter, but to no avail.
Consumer complaint received 2015-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (TX)

Dynamic Recovery Solutions LLC. used an automated dialer to call me on my cell phone several times without my express consent, in an attempt to collect a debt from a XXXX XXXX, violating the TCPA. On XX/XX/2015 I called Dynamic and asked to speak with their compliance department but the representatives kept asking me if I knew or if I could get a message to XXXX XXXX, repeatedly, over and over again, vilolating FDCPA 1692b ( 3 ). One representative passed me on to another representative who attempted to acquisit ( acquisition ) location information from me, more than once. 
On XX/XX/2015 I called Dynamic and the same thing happened all over again, violating 1692b ( 3 ). I finally talked with representative XXXX XXXX who said he would send my information over to their compliance department. 
Since my first call to them I told them I am XXXX and not XXXX XXXX. It has been impossible to speak to someone in the compliance department, when all I get are other debt collector representatives who continue to violate the FDCPA. Common sense, if my area code is not in the same area code, or State for that matter, the third-party debt collector should investigate a little better before attempting to collect from the consumer. See the XXXX v. Enhanced Recovery order.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Indie Technology DBA Found (TX)

someone opened a business account with a found bank in my name using my social security number i cant get into the account because its not linked to a email or a number i need found bank to close this account immediately i have fraud alert on my reports and no one called to verify close this account immediately i can be reached at XXXX XXXX or email XXXX XXXX
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : 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 2016-09-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (VA)

On my most recent account statement, Santander charged me a {$3.00} " paper statement fee. '' I had not been notified that I would be charged for receiving my checking account statements via XXXX Mail. Not only was the fee a surprise, but it is also unjustified because the price of printing and postage does not add up to {$3.00}. Nevertheless, I complied with Santander 's desire and signed up for online statements. Then I asked Santander to reverse the {$3.00} fee in light of lack of notice. To date, Santander has not reversed the fee.