davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

I have a collection account on my credit report this was fraud I sent in a fraud package which includes a police report on this XXXX XXXX account they are the original creditor the collection agency name transworld system is reporting this fraudulent accounts on my credit report
Consumer complaint received 2019-08-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mark A. Leachman P.C. (CO)

Hello so the original amount of the debt is for {$870.00} and the collection agency is saying I owe XXXX for interest fees on an old debt, the original case was opened XX/XX/2013. I was served papers last night from the collection agency and have not heard anything about the debt prior to being served.
Consumer complaint received 2021-03-26
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: GUARANTEED RATE INC. (IL)

I have reached out to factual data to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. XXXX XXXX claim to have sent a request to the credit reporting agency 's to remove the inquiry. However the request was for a soft Inquiry removal when it was a hard inquiry in my credit file. I have provided requested information to XXXX XXXX and Guaranteed Rate that I did not authorize any loans with Guaranteed rate. Then I was informed it would be removed, and it has not. XXXX XXXX and Guaranteed Rate is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. XXXX XXXX  and Guaranteed Rate also failed to validate my personal information that was used without my authorization or consent. I'm requesting this hard inquiry to be removed from my credit Immediately.
Consumer complaint received 2015-06-06
Product: Credit card — 
Issue: Delinquent account — 
Company: STERLING JEWELERS, INC. (FL)

Prior to my monthly payment due date, I contacted the creditor to set up a payment to come out of my banking account on the due date.A few weeks after the due dates, I was receiving several calls from an unknown numbers and also several messages were left with my co workers at work regarding past due payment which was very embarrassing and put my job at risk. I contacted the creditor and informed them that a payment was scheduled and to, perhaps, be patient until it 'd go through and also to not ever call my job.After coming back from a 3 week vacation, I was told by co workers that this creditor had been calling everyday regarding my account being past due and which resulted in a verbal warning from my manager. I then noticed that the payment had never come out of my banking account. After contacting the creditor again, it was determined that XXXX of the digits from my banking account was missing prompting to the payment not going through.Correction was made on the phone and, afraid that this may occur again, I decided to pay off the remaining balance while I was on the phone with the agent. Several months later, I noticed that account was being reported closed by consumer request and also a late payment on my credit reports which really affected my credit score. Given all the harassments received from the creditor because of a late payment that was not my fault, I decided to dispute the reporting on my credit files. The creditor declined to remove the late payment as well as removing the comment " closed by consumer request '' because I never requested to close the account. I then decided to contact the creditor directly by mail and requested to remove the late payment.The creditor informed me that they have conducted an investigation and that there have no mistake, therefore declined to remove the late payment from my credit files. I then challenged the creditor to go back and review all prior phone conversations and my request was also declined.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I have 2 accounts with U.S. Bank. A business and a personal account. I have had the business account for over 2 years now without any issue. A few days ago ( XX/XX/2020 ) I logged on to check the account and noticed it was missing completely from the app. I called and found out that the Branch manager at a specific bank closed the account without listing any reason. I had over XXXX in the account so it wasn't due to overdraft. I also completed a transfer weeks before that so it was being used regularly. I called the branch manager XXXX XXXX at the XXXX XXXX in XXXX XXXX California. She told me she closed the account personally, but did not give me a reason. She stated that if I transferred money to my personal from business and vice versa then that may be the reason but didnt confirm. She kept saying sorry but no reason was given for my business account being closed. I never received prior notice or even a phone call. I am a XXXX and XXXX XXXX, no fraud or other issues have ever been done. I still have my personal account and a credit card with them, those accounts were untouched. I am going to be cancelling these accounts and taking my business to a XXXX XXXX!!!
Consumer complaint received 2019-08-14
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: CITIBANK, N.A. (GA)

On XX/XX/2019 I made a purchase using my Citi Advantage Credit Card for which I notified Citi  on this day that this purchase was fraudulent.The circumstances are that after completing my application for my Motor Carrier Number I was contacted by XXXX XXXX XXXX  located at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Idaho, XXXX.  This company represented themselves as being a part of the United States Government Agency that I was using and that I had to pay them to complete the process. They misrepresented who they were and when I realized this I asked for my funds to be returned and they said they would.However they have not and there business is a scheme to dupe newly acquired recipients of Motor Carrier Numbers out of their money by fraud and Citi knowingly furthers there actions by not stopping payment when being made aware of there theft by deception.Also the service their selling has absolutely no value.
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AES/PHEAA (SC)

XXXX has been non-compliant with removing the unverified account XXXX  XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-08-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Westlake Services, LLC (MI)

I went to the XXXX XXXX dealership in XXXX, MI with the intent to purchase a new vehicle. I was already driving a XXXX XXXX XXXX. I was on time with my payments, and I was under the impression that I would be able to use my current vehicle as a trade in for a new car purchase. 

Upon negotiating with the salespersons at the dealership, I was told that my vehicle would be used as a trade-in for the vehicle that I was purchasing.The new vehicle I was purchasing was a XXXX XXXX XXXX.I left my vehicle with the dealership to complete the trade-in process. 

While I was closing on my car loan purchase, I was given some verbal information regarding the purchase, and I was told that the paperwork would be emailed to me within 24 hours of my new purchase. I drove away in my XXXX XXXX XXXX thinking that everything was fine. 

A month went by and I received the title to the vehicle, but I noticed that the old vehicle still showed as not being paid by the dealer on my credit report. I contacted the dealer that I purchased my new vehicle from to inquire about this. The dealership stated that they would take care of my old loan payment because they were still trying to sell the car I used as a trade-in for the XXXX XXXX that I purchased from them. 

The dealer never sold the car I used as a trade-in after 2 months I confronted the dealer about this, and they requested that I come in to sign off on some paperwork for my current car loan. 

When I got there, the dealer stated that they were no longer willing to accept my vehicle as a trade-in for the vehicle that I purchased with them. They stated that they wanted me to take the car from their lot. 

I am now stuck with 2 car notes and I can not afford to pay both of them. My credit score has dropped because I can not afford to maintain both car payments to both loan companies.
Consumer complaint received 2021-03-26
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: Colony Brands, Inc. (CA)

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-08-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lake City Credit (OH)

This company has threatened me and my livelihood and repeatedly calls and harasses me. I have disputed this with them internally and requested that they mail me proof of debt but they continue to call and harass me nearly every day for months now. I asked them to stop calling during the day while I was in classes, and they refused. They refuse to send me any proof of debt via mail.
Consumer complaint received 2021-08-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-08-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

There was a fraudulent charge in XXXX. In my opinion, USAA should have informed me that this was a suspicious charge since I do not use this card and suddenly there was an out-of-state charge. They did not. I noticed it in XXXX and reported it. They removed the fraudulent charge, but I have repeatedly called and had long times on the phone trying to get the resulting charges from USAA to be removed. They either disconnect or say that it's up to them whether to refund the charges and I will find out in 3 days. But there has been no resolution. There have also been conflicting answers on whether they will handle this with the credit bureaus.
Consumer complaint received 2022-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Harley Davidson Financial Services Inc (TX)

I have gotten a few weeks behind on my payment. Because of Covid. I have never been 30 days late or later. I receive many calls everyday. I am not allowed to sleep or eat in peace. Plus I am being charged unfair penalties while being harassed daily. I have begging the company to stop harassing me to no avail. I have paid a service to block calls and am considering changing my number.
Consumer complaint received 2018-09-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I had a payment due XX/XX/2018. I was not able to make that payment but spoke with a XXXX at the branch location and told her that I could make the payment the following Friday. She was rude, did not care about whether or not I could make that payment the next Friday and told me they will not accepts any form of payments other than the full amount of the loan. They were not willing to work with me at all whether I wanted to pay on it or not. I had no other options given to me. Then I receive a notice in the mail where Ace cash states I took out the full loan that was originally offered to me of {$880.00} and I turned down because I didnt not need to borrow that much. Therefore I only borrowed {$300.00}. But they are claiming my loan was for the {$880.00} and remainder I owe is {$370.00} I believe. This is fraudulent in regards to stating what I borrowed and what I did not! The way I look at this, if they are not willing to accept payments customers wanted to make and leave them with no choice but not to pay it back, then this loan should be non-void.
Consumer complaint received 2018-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kramer & Frank, P.C. (MO)

Sometime in XX/XX/2018, I started receiving phone calls from XXXX XXXX , XXXX regarding a credit card from XXXX  XXXX XXXX that was in collections ( and also had a judgment against me ). In wanting to clean up my credit, I agreed to make a payment of {$2400.00} to settle the account. I received a letter stating the settlement agreement on XX/XX/2018. I made the payment. on XX/XX/2018 I received a letter stating the account was paid in full. 

in the process of applying for a loan, I was told the judgement was still on my record and was owned/initiated by another company. I contacted that company and was told the account was never settled and they didn't know who XXXX XXXX is. 

on XX/XX/2018 I contacted XXXX XXXX, XXXX and spoke to a XXXX XXXX, who was very rude to me. He first told me he didn't know what company they had purchased my account from, so then I ask for a verification of debt letter, for which he told me the account was closed, and then told me it would take 30 - 90 days to get a verification letter, and then told me I would have to speak to the woman who handled my account but she wasn't there that day. 

So now, not only do I still owe over {$4000.00} for the judgement account, I can not get information on from XXXX XXXX as to how they have the account and to get my money back.
Consumer complaint received 2019-08-14
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: BARCLAYS BANK DELAWARE (FL)

I took out the Barclays Carnival credit card prior to my XX/XX/XXXX cruise. Once on board the ship my daughter and I utilized the spa. My daughter received a pedicure that was billed in the amount of {$80.00}. My credit card was billed on XX/XX/XXXX for the that charge. The day before we disembarked the ship ( Thursday XX/XX/XXXX ) at XXXX XXXX my card was charged again for this service. It is a duplicate charge in the amount of {$80.00}. I received a final statement prior to us disembarking the ship and this duplicate charge came AFTER I was provided my statement. On monday XX/XX/XXXX I reviewed my credit card statement and saw the second charge as well as an addiontal XXXX XXXX I immediately called XXXX XXXX   line and the XXXX $ charge was corrected, however I was told the spa is a third party vendor and they could not refund me for that duplicate charge. 
I then contacted Barclays Carnival master card and opened a dispute. I had XXXX email me an update copy of my statement where is showed the charge of {$80.00} that had been billed twice. I highlighted both charges and mail this to them per their request. several times over the last 4 weeks I have received vague calls or letters from the credit card company asking me to call in regarding the dispute. I have each time. After waiting on hold for very long periods, they always act like they have no idea why I was told to call in. Today however I received the news that they refused my dispute and will be making me responsible for paying this duplicate charge. They could provide no reason other than the two charges had two different time stamps. Of course they have two different time stamps - the card was ran TWICE for this service. I am extremely upset with the customer service and how this credit card company is allowing me to be fraudulently billed. I fully cooperated with everything they asked me to downs find it very suspicious that this is a " XXXX  '' credit card and the fraudulent charge is for " XXXX '' however no one wants to do anything to fix it. The credit card company said contact the cruise line and the cruise line says the spa is not part of their ship ( even though they advertise it and offer incentives / promotions ). I would like advice on how to proceed since I have never been treated this way by a credit card company.
Consumer complaint received 2018-09-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (FL)

I leased a car through XXXX XXXX and terminated the lease early when I leased a new car. I received an invoice from XXXX XXXX on XX/XX/2018 that had numerous errors and omissions. I detailed these in a letter of XX/XX/18. 
Among these errors is an " excess wear and use '' charge of {$1000.00}. Since I purchased an " Excess Wear and Tear Protection '' policy through the dealership and with XXXX XXXX I requested a claim form from the rep ( XXXX ) on XX/XX/18. The promised claim form never was received. Instead a copy of the AIM Inspection Report was sent. I faxed this report along with a claim to XXXX XXXX. 
I received a call from XXXX XXXX on XX/XX/18 demanding payment in full by XX/XX/18 or they will send the bill to collection and threatened my credit score. I told them that I filed a claim as directed with XXXX XXXX and it's up to them to work out the details. I was informed that XXXX XXXX " ... does not deal with third parties '' and it is my responsibility to settle the bill even though I still consider it to have numerous errors. 
I do not intend to satisfy this bill until it is correct.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I was scammed by people pretending to be customer service agents for XXXX XXXX. I received an email stating that I was being charged {$250.00} for my XXXX XXXX Subscription because of auto renewal. There was an XXXX number on the bottom that I could call to cancel. I called and got trapped in a scam. These customer services agents had me download an app called XXXX and access my bank accounts. I ended up sending them XXXX payments four times thinking I was getting my money back. The amounts were {$470.00}, {$470.00}, {$490.00} and {$490.00}. After that they had me send a wire transfer of {$1800.00} to someone in XXXX. By the time I realized it was a scam, it was too late. I called my bank immediately and explained what happened but no one could help me. I spent 3 days on the phone with Chase speaking to various people and explaining my story again and again. In the end not a XXXX was protected by my bank and the customer service was horrible. Within 30 minutes of my sending the wire transfer, I was on the phone with Chase bank trying to recall the wire transfer. After many attempts, I was transferred to the XXXX XXXX team and someone finally said they were able to put in a request to recall the wire but they would have to wait for the receiving financial institution to see what happened. They said they would be in touch in 24 hours but it has been over a week and I havent heard a thing.
Consumer complaint received 2021-08-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

FCRA VIOLATIONS : NOT MINE SEE ATTACHMENTS OF PREVIOUS VIOLATIONS : XXXX XXXX  - Closed 9 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Legally paid in full for less than the full balance NAME : NOT MINE : XXXX XXXX NOT MINE : XXXX, TX,