davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (PA)

I saw on XX/XX/XXXX that money nearly all of my money for the month was gone and I was left with a dollar and some change. There were 5 unauthorized charges on my account. Four were from XXXX, all done on XX/XX/XXXX in the amounts of : {$28.00}, {$9.00}, XXXX, and {$21.00}. These were taken between the hours of XXXX and XXXX am when my XXXX payments were deposited. I didnt notice those right away as they were smaller. I had a few charges of my own come out just fine is why. Then, on the XXXX at XXXX XXXX my account was charged {$670.00} from XXXX. I have never used that site, dont even have an account there. I called them immediately. Was told I would be given provisional credit as soon as I filled out forms they were sending and would be getting a new card. Neither arrived, had to call them back again on the XXXX or so, I believe. Was told the form was sent out the XXXX and was charged {$13.00} for a new card leaving me a negative balance. Finally received the forms on the XXXX, filled them out and faxed them on the XXXX. No credit was issued, heard nothing. Called them again the XXXX and was told it was my fault, I had to contact XXXX and XXXX and get my money back. I did contact XXXX and they issued refund request, but no money has shown up as of yet. They did tell me my actual card numbers were used, it didnt come from my account, so I wasnt hacked. Someone got my card expiration date, 3 digit code and knew the exact time to hit my account. XXXX I chatted with, screen recorded the chat. They emailed after saying DE has to charge back the charge. DE told me yesterday their decision is final, that it was over. Is Direct Express not breaking laws here? I didnt authorize any of these charges. I just want my money back. I have never disputed a charge before. I also told them I would be willing to prosecute. When I first called they told me they would issue provisional credit, investigate, and make a decision in 45-90 days. Nothing they said was true. They keep you on hold for hours hoping you go away. 

I attached the documents I faxed them, the fax confirmation sheet and receipt of proof of date/time of payment for the fax and the email from XXXX Thats everything I have on my end besides the screen recorded online chat with customer service from XXXX. It didnt do much as you can read in the email. Nobody else has permission to use my card, I have never just handed out private information, I mainly use an iPad, I have changed all of my passwords and do so often. I believe I do ok in protecting myself. This is the first time I have ever had this happen and I am XXXX, so..they tried insinuating it was my fault because I responded to that email from XXXX. That email address doesnt receive spam, I dont use it willy nilly. And I dont go theaters, I dont use XXXX. DE told me to gather information on my own, thats what I was attempting to do. 
Thank you in advance for any assistance in this matter.
Consumer complaint received 2021-11-24
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: PNC Bank N.A. (MN)

Hi I had an account with BBVA bank which was then bought out by PNC bank. 

Somehow during this transition my information was stolen and I have {$570.00} in fraudulent transactions. 

I had called PNC as soon as I saw it and over an hour long conversation the representative said they would file a claim and have the fraudulent transactions removed. Those fraudulent transactions were the only transactions on the account. 

XXXX  month later, and nothing was resolved. I called again and spent over an hour on the phone with the representative who said they would remove the transactions as they agreed they were fraudulent, restore the account to a {$0.00} balance and close my account. 

However, it is now yet again over a month later with nothing resolved. They seemed to have erased my account history, because I can no longer see the statement details, however I'm still charged the {$570.00} and I can not somehow turn off autopay or see any autopay details. So this account is still linked to my main checking account and will continue to draw funds. 

I can not even download a bank statement. 

It begs the question, how do I have a balance / activity on this account without the ability to see any previous statements. 



This bank has promised to remove these fraudulent accounts twice, and over the span of now going on XXXX  months there is no resolution.
Consumer complaint received 2021-09-22
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: Credit Control, LLC (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-11-24
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. (MA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (TX)

I HAVE XXXX ACCOUNT THAT IS LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (SC)

Today on XX/XX/2021 I called Financial Data systems LLC to verify a debt that is listed as a collection account on my XXXX Credit Report. I was informed that it was a collection for An apartment I rented with XXXX XXXX Apartments. I informed the representative that Ive never received documentation regarding the Debt from the Original creditor Nor Financial Data Systems XXXX. When asking for Validation of The debt. The representative stated it would be an additional {$XXXX} for me to get an email verifying the debt. I believe this is Fraudulent. I want this to be removed from my credit repost because theyve never sent any Documents regarding this debt but sent it to collections without any information regarding what this is for. There contact number is ( XXXX ) XXXX. Mailing address XXXX XXXX XXXX, XXXX XXXX, NC XXXX
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (IL)

Due to my husband 's business experiencing a loss because of Covid, I fell behind on my Target Bill. I contacted them in XXXX, and they provided me a Covid hardship payment plan which closed my account and I would continuing posing the balance each month. Every month XXXX and XXXX have reported the account closed. However, XXXX has reported inaccurate information. I have spoken to both parties and submitted disputes. They will not correct the infraction.
Consumer complaint received 2021-11-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: FCC Finance, LLC (CA)

I have been trying to pay more on the payment each month and FCC Finance is stealing my money and applying more to their interest instead of my principle. I've tried to reach out and work this out with FCC Finance and question why they are taking more than their interest of 15.99 %. This was in XXXX, XXXX, XXXX, and XX/XX/2021. They make me call them and have them reapply any over payments I make to be applied to principle and not their interest. They would not answer me as to why they are taking more than the agreement of 15.99 %. I have emails that I've sent and never get a proper answer. they are fraud back and stealing money. I've tried to go to the XXXX and got nowhere with this except a letter from 2 of their attorneys that wouldn't answer my questions of misapplying and stealing more from me. I want this resolved. I'm trying to get a loan to pay them off and transfer the amount over to a real bank. Please help fix what these criminals are doing.
Consumer complaint received 2022-08-23
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. (FL)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK (NY)

My complaint is against Freedom debt relief. 
This company has been charging me excessive fees that I was not aware of it. 
I pay monthly {$300.00} and they take only {$70.00} for my debt and they keep the rest as a settlement fees. I called customer service and they were rude and I have gotten 2 different responses in regards my payments. 
I was only aware of a small fee charge for the settlement but what they are doing is completely wrong and misleading.
Consumer complaint received 2021-11-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NC)

I was told around XX/XX/2021 that I was no longer eligible for the federal Covid extension on loan payments because my loan is owned by Navient and not the Department of Education. Ive struggled to pay the loans since then. Also in XXXX, I requested information from Navient regarding their purchase of my loans. I have yet to receive this information. Finally, I have questions about the principal and balance on my loan, which Navient has yet to explain. Im certain that the original amount of money borrowed was around {$36000.00}, but Navient has my principal amount owed around {$160000.00}. I want Navient to send me a full accounting of all the interests that has accrued on my loan since they started servicing it.
Consumer complaint received 2021-11-24
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: SYNCHRONY FINANCIAL (DE)

I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (TX)

Around XX/XX/2013, I was sent a XXXX XXXX Citicard I had not requested. When I activated my replacement Citi XXXX, the XXXX XXXX card was automatically activated too. I contacted customer service to close it and was informed that I couldnt close it without closing the XXXX too. Recently, Citicard closed the XXXX XXXX account without notice or explanation after refusing to for over 7 years
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: DISCOVER BANK ()

I went onto the court docket to confirm a court appearance for a unrelated speeding ticket when I became aware that this Law Firm had filed a lawsuit. When I obtained a copy of the Return of Service, it said I had been personally served with the documents on a date and time that was not true. I was at work during this time and my home security videos dont show anyone attempting service. I contacted the Law Firm and Process Service Company to inform them that I had never been personally served and explained that the process server had lied on the Return of Service. A couple of weeks later, this Law Firm then filed an Amended Return of Service with the same incorrect date and time of service only changing the signing date so that it could meet the 14 days before hearing requirement. Again, I was never personally served. Under Colorado Simplified Procedure, service must be made 14 days before the hearing date and service must be done in person. I contacted the Law Firm and Process Service Company again explaining that I had not been served and that this was the second time they provided false information under perjury. Now I wonder how many default judgments has this Law Firm obtained by lying about service and people have no clue a lawsuit even exists. I have been professional with both companies and requested that this false information be corrected. To date, there has not been a resolution.
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

Hello, I am a user of the Coinbase trading app. Last Friday XX/XX/XXXX I made a purchase to acquire XXXX shares. Coinbase has had a system error and because of this they have locked out all access to my account. I can not trade or sell or withdraw any funds whatsoever and their customer support has done nothing. The amount of shares have also since been reduced that is not accurate to the amount purchased.
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of ( {$880.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2021-10-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (ID)

On XX/XX/2021 I paid off my Citi bank Costco credit card the balance was XXXX. I was given a confirmation number of XXXX and a document that showed the account paid in full with no payment due and no current balance. Later, XX/XX/2021, I received an email stating that owed {$370.00}. On XX/XX/2021 at XXXX XXXX after learning about the e-mail I called the customer service number and talked to an representative about the issue. They told me it was a finance charge. I had not used the card for anything and had placed a block on the card so others could not use it either in XX/XX/2021. I asked to remove the charge and she said she would try but was not always allowed to do so. She told me that she had removed the charge and everything was all set. I asked if I again had a XXXX balance and she said yes. I then asked her to close the account. She explained that I would forfeit the rewards I had accumulated on the account and I said that was fine. She explained that I would be getting confirmation that the account was closed. 
On XX/XX/2021 I received a letter in the mail from Citi that was dated XX/XX/2021 stating that " We've determined that your account is not eligible for a credit of the finance charges. '' I called about this and was told that I would have to pay the charges. I do not believe that I should have these charges because I was provided with a document that showed a XXXX balance by them and have a reference number to prove this. I also was told by a company representative that I had the charge removed, I also had closed my account after making sure that all charges were removed and the balance was XXXX. Lastly how can I be charged after the account had been closed with a XXXX balance? Furthermore the interest rate charged on this card after missing an ontime payment was extremely high and was a severe hardship on my family. We felt we did the right thing by the company and paid our bill in full as soon as we were able. Only to feel further pressured by them after wanting to distance ourselves from this corporation.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates the JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) and JEFFERSNCP were found on my credit report in violation of Federal Law. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (GA)

On the Eve of XXXX XXXX weekend Friday I went to XXXX on XXXX XXXX in XXXX Georgia to take out {$360.00} out of my Social security account through my Direct Express card that is linked with Comerica Bank which is affiliated with the United States Treasury through the Social security department for people who receive Social security income as the ATM machine was dispensing my money it seized up locked up and displayed on the screen not enough funds out of order printed a receipt showing I only had {$11.00} left in my account I directly walked over to the counter and spoke to the customer service representative at XXXX who then called XXXX XXXX XXXX XXXX they then took my information balanced out the machine and saw that I did not receive the money they then gave me information such as a confirmation or reference number and a regulation e form to tell my bank they needed to fill out and with the number they could see that the money was not received I have called over 20 times since then Direct Express has a robotic answering system that says they have high call volume and then they disconnect you so within this time period I was only able to connect with four people two of the four people hung up on me in the middle of the conversation after I gave security answers, one representative did not even know what I was talking about and sent me to level two department where I was put on hold for over 60 minutes to the point where I hung up I then tried another time and connected with someone else who did the same sent me to level two where I was put on hold for over an hour to the point where I got discouraged and hung up I do not believe there is a level two department I believe they just put you on hold until you get tired of it and you hang up I've yet to receive my money back I am XXXX years old I only get {$870.00} a month in Social security income and that {$360.00} was left to pay my remaining bills and to buy food for myself for the rest of the month I have no money at all and can not get the bank to help me so I am filing this complaint and hopes that you can help me resolve this matter as soon as possible as I am hungry and I'm afraid that my power is going to be shut off
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.