davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
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. (TX)

i noticed on my credit report XXXX XXXX  account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off XXXX doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (NY)

This is not fair unbelievable I am very mad I mailed my payment 3 weeks in advance its always received before the due date each month and for some reason it got delayed and I was a charged a late fee I called customer service they were very rude with understanding why it was received one day after the due date after telling them the truth I dont deserve to be treated this way Im a loyal good customer I always pay on time and before my due date not fair
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  Iowa XXXX Subject : Complaint against First Credit Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against First Credit Services for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** First Credit Services has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that First Credit Services cease such practices immediately. 

4. **Failure to Provide Disclosures : ** First Credit Services has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by First Credit Services , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between First Credit Services and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of First Credit Services. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (WA)

I have attempted to contact MOHELA on numerous occasions to better understand my monthly payment options and what repayment will look like for me. They have sent generic messages and kept me on hold for hours and when I was able to speak with a representative, they were unable to provide me any relevant information other than to just " submit the online application. '' I find this to be a highly suspect system- where it takes a month to receive an electronic response and when you speak to someone at the company, you are not able to actually receive the information that you need and even more, unable to be transferred to someone you could speak to. I would also like to complain that they are DOUBLE reporting my student loan debt to the credit bureaus and they have given me the runaround on being able to resolve this issue. They claim that this was resolved last XXXX and my credit reporting agency denies this ....
Consumer complaint received 2024-03-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunbit, Inc. (AZ)

I went into XXXX XXXX  to get my XXXX  fixed. I was told that the personal loan through sunbit would not report to my credit and the inquiry would also not report to my credit. I made it clear to lady that was helping me apply that I do not want new loans on my credit since I am in the process of applying for a business loan so it would hurt my debt to income ratio.

Well turns out that was a lie and the loan did report to my credit. So now I may not get the full amount that I need. I did talk to the manager which is XXXX XXXX and she said that they do not have formal training when selling this product. 

All I want to do is make this complaint public so that the people are aware to stay away from XXXX XXXX.
Consumer complaint received 2020-05-30
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. (NE)

A collection account was removed from my credit report from XXXX XXXX XXXX. My credit score did not increase at all for the removal of the collection account from my credit report. This should have increased my credit score by at least 23 points.
Consumer complaint received 2017-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX, I was sent court documents saying I was a defendant in a law suit from XXXX XXXX XXXX, for XXXX XXXX XXXX XXXX, for non-payment of a credit card debt ( attachment 1 ). The suit alleged I co-signed a credit card application for XXXX XXXX on XX/XX/XXXX and she ran up a {$3600.00} credit card debt that was delinquent. I did not request, or, co-sign any credit card request from XXXX XXXX XXXX and responded to the law suit with the attached documents I supplied to the court, in XX/XX/XXXX ( attachment 2 ). XXXX XXXX XXXX continued sending me notices and refused to remove the collection information from the credit agencies, as I requested ( attachments 3 & 4 ). After a year of trying to get this off my credit report, I told XXXX XXXX I would pay the debt, even though, I had no legal responsibility to do so, if they would get it completely off my credit report ( attachment 5 ). They agreed. I paid it in full and received their letter, dated XX/XX/XXXX, stating it was paid ( attachment 6 ).
To date, this debt collection information still shows up on all three credit reporting agencies. It continues to cause me complications with credit applications, leasing agreements and anything requiring a credit score or evaluation. All XXXX XXXX says when I contact them is, the debt is paid in full. They have taken no action to have this removed from the credit agencies.
Consumer complaint received 2017-03-21
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Conduent Incorporated (NY)

XXXX 2016 I put in a claim with my financial institution where I purchased XXXX iPad mini gold XXXX from XXXX it was delivered and I did n't receive it. Went Through the proper procedure in filing a claim only for my financial institution to ignore my claim. I 've reached out to them numerous of times in regards to the claim and they still ca n't provide me with an update. I contacted the consumer finance in regards to the issue and they reach out to a bank but it was the wrong bank but XXXX reached out to US direct Express which they are the institution that works with my card concerning the issue and have n't heard anything back from them. A representative contacted me from us direct express and looked into my claim with consumer finance as well as the claim I had on file pertaining to my account and said he 's denying my claim a year after I put my claim in because I have a claim with XXXX the carrier of course I explained to the representative XXXX that I dnt have a claim with XXXX and the case number I provided was case number that 's linked to delivery inquiry that was made with XXXX. Me as the receiver could n't file a claim because the merchant is who could file the claim not me and I explained that to XXXX only for him to ignore me and still state that I have a claim on file only shows me that my financial institution never investigated my claim because if they did when they contacted XXXX the carrier XXXX would 've provided them with the same information they given me a year ago and I also contacted XXXX after speaking to XXXX XXXX and a representative from XXXX confirmed my story about the delivery inquiry so that shows me they never investigated.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

Citibank closed all my accounts without notice. I had over {$2300.00} in cash back on my Double Cash card at time of closing. Phone rep told me there is nothing I can do. Rep stated that I lose my cash and points because of the closure. It seems wrong that the bank would close my account and take back my cash back balance. I am seeking {$2700.00} for this account which includes activity that would have posted to my cash back.

Double Cash Balance as of XX/XX/20 XXXX XXXX Activity Purchases XXXX Payments XXXX Pending payments XXXX
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OR)

everytime i go make a purchase example i bought new tires had call 3 times then next day refused let me use card accused me of loaning card to someone else 2 days ago i had to call 17 times just to get purchases done i use card only for personal use nobody else even has access but everytime i try use im blocked or have call but now they refuse to even talk to me say im not who i am it appears they removed my phone numbers this has got to stop on forcing me call everytime right now it says i have XXXX in available credit i have always made my payments my credit limit is XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AZ)

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.

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 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (NY)

I applied for a secure credit card with a {$200.00} balance. My account was closed with a full balance and there was never a refund issued. I called and spoke with a customer service representative and was told a refund should have been issued because 10 weeks have passed since the account was closed. I was then told to send a fax with my name and account number for a refund. I sent the fax and also mailed a letter with my information to obtain a refund. It has been more than 4 weeks since and I have not received the {$200.00} refund. I called customer service, and the representative could not provide any updates or information regarding the refund.
Consumer complaint received 2020-05-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: DLC, LLC (NV)

The loan Company Dollar Loan Center reported i was 30 to 90 days. I called and caught of tge payment, made it current and I was told that the wouldnt report to the credit bureau, if I paid all the past due interest and made it current. I was told due to Covid 19 they wouldn't report it. The still reported it and it was only 30 days and I paid the interest and made it current. It should have never been reported due to agreement and Covid 19 policy for the company. I
Consumer complaint received 2016-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conns has continued to call me during work at a minimum of 14x a day from XXXX different numbers. I have told them that I will pay them next week but they continue to disrupt my work and upset me with their harassing calls. They need to review their practices and collections strategies. I have already gave them a time and date that I will pay my bill. I will NEVER AGAIN do business with these vultures.
Consumer complaint received 2024-03-06
Product: Credit 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: PENTAGON FEDERAL CREDIT UNION (NC)

PenFed reversed a charge back of {$740.00} to my credit card. I did not receive any documentation to support the reversal nor call from the company. prior to the reversal. Subsequently, I requested a copy of the documentation that was mailed to me on or about XX/XX/2024, Then on XX/XX/2024 I requested that PenFed reopen the denial. I sent them a letter that they had engaged in reckless conduct by failure to observe that the merchant 's " Authorization Form '' had my hand written credit card number, as well as my mark through the word " NOT '' that I would dispute the charge. Moreover, this handwritten card number supports my position that I did not swipe my card with the merchant. XXXX! Furthermore, the towing " receipt '' clearly has my hand written " Refuse To Sign '' for Authorization of charge. My only signature was for possession of my XXXX vehicles. This has been stated repeatedly to PenFed who indignantly refuses to refund my money. Lastly, I was not given a temporary credit on XX/XX/2024. In summary, the failure to provide merchant documents prior to reversal, failure to provide a temporary credit on XX/XX/2024, failure to provide merchant documents in support of their XX/XX/2024 second denial, and reckless evaluation of the merchant response documents to support their reversal, were flagrant violations of the Fair Credit Billing Act ( FCBA ). This was a reckless disregard of Penfed responsibilities under the FCBA. This shall not be tolerated in a civilized society.
Consumer complaint received 2022-07-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I am writing to express my dissatisfaction and concern over a serious error in the reporting of my account status by Wells Fargo to one of the credit bureaus, XXXX. I have recently settled a collection account with Wells Fargo, and while this has been accurately reported as " paid '' to XXXX and XXXX, XXXX 's record continues to show the account as " derogatory '' and " unpaid. '' This inconsistency is negatively impacting my credit rating with XXXX and XXXX potentially cause undue financial difficulties for me. 

I would like to stress that I have fulfilled my financial obligations regarding this debt, and the incorrect information reported to XXXX is both inaccurate and misleading. The failure to report the correct status of the account is a violation of the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate information reporting by the financial institutions. 

I kindly request that Wells Fargo takes immediate action to rectify this error. Please update the status of my account with XXXX to reflect that the debt has been paid, thereby ensuring that all three credit bureaus have accurate and consistent information. 

I would appreciate it if Wells Fargo could also provide me with written confirmation that these corrections have been made and that the accurate account status has been reported to all three credit bureaus. I believe this is an important step to protect my rights as a consumer and to prevent any potential future inconsistencies in my credit reporting. 

In light of the above, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) assist me in this matter and ensure that Wells Fargo adheres to their obligation to provide accurate information to all credit reporting agencies. I understand that the CFPB has the ability to investigate these types of issues and I trust that you will be able to help me ensure that my credit report is accurate and fair. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I've been a customer of Coinbase for several years and last month Coinbase put my account under review without providing any clarities. I could not buy or sell or access any of the funds in my account during this time. I contacted their customer service via live chat and after waiting hours and running in circles with their live agents, they said my identity and information were already verified and I just have to wait for the review process. But they could not provide a timeline as to how long this would take. It is unacceptable that a financial company can just hold your money XXXX for no apparent reasons. I have thousands of dollars in crypto in this account. What if the review takes months and during that time the market drops and I can not sell, is Coinbase going to be responsible for my loss? And what if I need to access those funds for emergency purposes? It is even legal for a company to do this to its customers?