davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (IN)

Prince Parker and Associates is reporting that I still have a debt from XXXX XXXX in my name and I do not. That debt was transferred to XXXX XXXX XXXX XXXX in XXXX of XXXX. I paid the balance with them in XXXX of XXXX. I even attached a copy of receipt of payment made to them on XX/XX/XXXX and Paid in Full letter that was provided by XXXX. XXXX XXXX had been notified prior to me paying the bill that they did not own the debt as I made attempts to dispute the balance before I paid it. But refused to remove their reporting. As of Today XX/XX/XXXX, I am still getting emails stating that I owe them. As of today XX/XX/XXXX, XXXX XXXX is still reporting negatively on my credit report that they are the owners of said debt and that said debt is outstanding and this is an incorrect reporting. I demanded several times that they remove this incorrect reporting as they are not the correct owner of the prior debt and said debt obligation has been paid in full as of XX/XX/XXXX. Again, I provided the receipt as proof of payment as well as paid in full letter from XXXX XXXX XXXX. XXXX XXXX acknowledge that they received the information. They even acknowledged on the phone with me today that the account has been closed on their end since XXXX of XXXX, and " Withdrawn '' on their end since XX/XX/XXXX. They even provided me the contact information for 2 mangers who didn't answer their phones and neither had voicemails setup. The advised me that even though everything on their end shows that I do not have a balance with them, that they could not send me information about my account being closed with them. Also said that I had to send all of the receipts and paid in full letters AGAIN, requesting that they don't not contact me again. When asked how this could help me, the rep advised that was most of the service they could provide. Which does not really help because It's still on my credit and as of today, they are still sending me emails saying that I owe them a balance! I sent another email with all of the information, I even sent their email with the date and time stamp on it, with them requesting payment, asking them to remove the negative information from my credit, close the account, send me information showing that they have closed and corrected the information, and to stop contacting me. Customer service could not confirm that this would be enough to correct my issue.
Consumer complaint received 2020-05-07
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. (AR)

I was trying to get my son a new vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (CA)

XXXX XXXX XXXX raised my interest rate on a credit card after the XXXX financial collapse and causes me to lose my good credit score rating which was unfair to me. Navy Federal Credit Union now is using what XXXX did to me to justify raising my interest rates also. I tried in good faith to get Navy Federal Credit Union to lower my rate with no luck, now Im requesting Navy Federal to follow the Credit CARD Act of XXXX : If a credit card issuer increases your annual percentage rate based on factors such as your credit risk as a borrower or market conditions, the creditor shall consider changes in those factors when determining whether to reduce your annual percentage rate. Every six months ( at minimum ), issuers must review accounts on which they raised the interest rate sinceXX/XX/XXXX to assess whether the facts they used to raise the interest rate have changed. If so, they must lower your rate. 
I respectfully request to have a review showing I have not improved in my credit rating not reflecting the XXXX XXXX credit card. Navy Federal has no reason to deny me my request for lowering my interest rate?
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NC)

Debt collections due to purchase for home products, company states my email and phone number are correct and payments have been made therefore its a credible account. I filed affidavits and reports for identity fraud, supplied bank account statements per their request, have filed numerous requests to investigate and have been told its a valid account. When asked to verify where payments were from or original paperwork- could not show any proof. Just valid due to phone number, email address and a call from me in the past. Now I have a court summons that I responded to with all paperwork requested. I stated this was fraud and now the response was there was no denial in the debt- all lines in my response state that the debt is due to fraud.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

I was scammed on XXXX by someone pretending to be a haircare company. 

I paid {$620.00} for XXXX purple and neon wigs and a month later the person sent XXXX brown wigs ( which isnt what I paid for ). 

I tried getting my {$620.00} back from XXXX but they said contact Chime because thats who my card is linked to. 

XXXX concluded via chat messages that I was indeed scammed and they will place the persons name on an internal list of scammers. 

I disputed charges with chime, provided Info and proof several times yet they keep denying my claim to credit my account back the {$620.00}. 

Chime has implored tactics of sending me links to upload my proof ( multiple times ) only to say they havent received it when Ive called back this was atleast 5 times. 

Finally, once I demanded a supervisor, they suddenly found my documents and told me the proof is good and will help my case YET they still denied me although I filed a rebuttal. 

Chime doesnt protect their consumers and actually helps facilitate their consumers in getting scammed. 

I was scammed, paid my money, had proof of it being the scams yet they refuse to credit my account my {$620.00} back. This is not humane, civil or ok.
Consumer complaint received 2024-04-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (OH)

On XXXX, I received a {$250.00} Visa virtual prepaid gift card via giftcards.com that will not work for any online purchases with any merchant. The company has not issued a refund or done anything to make this right.
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (GA)

XXXX XXXX XXXX alleged fraudulent activity on a checking account and closed it without cause. I called XXXX XXXX XXXX to address the situation and it seems they have not been willing to help. They reported the negative and inaccurate information to Early Warning Services, which has had a negative impact to me doing business with other banks. I even sent several emails to the CEO with no reply.
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (SC)

In XX/XX/year>, my cryptocurrency, specifically XXXX XXXX tokens, was stolen from my Crypto.com account. I immediately reported the theft to Crypto.com and have since repeatedly attempted to engage with them to recover my stolen assets. Despite providing all requested information multiple times, including verification details and repeated clarifications, I have only received generic responses and have been shuffled between various representatives with no resolution. 

I have requested specific actions from Crypto.com, such as tracing the stolen cryptocurrency and freezing the involved accounts, which I believe is within their capability as a financial service provider. However, they have not provided me with any substantive updates on actions taken nor any information on the status of my stolen assets. Their inaction and lack of communication have been not only unprofessional but also negligent, given the significant financial impact due to the continuous appreciation in value of the stolen assets. 

I am seeking assistance from the CFPB to compel Crypto.com to provide a detailed account of the steps they have taken in response to the theft, to recover my assets, or to offer a satisfactory explanation as to why there has been no progress.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Protas, Spivok & Collins. LLC (MD)

1. XX/XX/XXXX, I received a letter in the mail from XXXX, XXXX and XXXX XXXX regarding a debt from XXXX - File number XXXX. I am unfamiliar with this debt. In the letter, it states that I can request information via the mail or and email address regarding the debt and if that request is made, action can not be taken against me while that information is being sent to me. I looked the company up online and per numerous negative reviews, decided written communication was best for proof should I need it. I sent an email to the email provided in the letter and I received a bounce back email stating that my message was blocked. I checked the email address to make sure it was entered correctly, noted it was, sent another email and received the email blocked message. I went on to their website and found an email of their main contact and sent him an email requesting additional information on the account. I did not hear back. 

2. Today, XX/XX/XXXX, I received a letter in the mail from the District Court of Maryland that there will be a garnishment on my wages over this debt from XXXX. As an email was sent for additional information, all legal proceedings should have been stopped while this request was being handled but they did not comply nor was I informed they were going to court to garnish my wages. I wanted information on the account so I knew what the debt was and how to best proceed. This was not given to me as the letter stated it would.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (SC)

I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I placed XXXX XXXX on my XXXX XXXX account and they were required to pay all billing while I was out on maternity leave for those 12 months. They failed me!! I tried contacting both XXXX XXXX, ALL THREE BUREAUS and XXXX with no successful resolution. There was definitely an error on their part. You guys are reporting late payments for all different months for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! was never 30 days late XX/XX/XXXX, never 60 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days XX/XX/XXXX. THIS NEEDS TO BE REMOVED IMMEDIATELY!!!
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

On XX/XX/2018, I wired {$5500.00} to a family member as a gift for their house. I noticed my savings account was extremely low. I mainly pay my car note with my savings account and XXXX. That is about it. I then noticed their was a loan on my account for {$12000.00}. The only loan I should have through USAA is a car loan. I have had loans with them in the passed however all of those loans were paid off. There have been opened credit cards on my credit report that I did not authorize and now this loan that I do not remember opening or signing for. I have also been experiencing fraudulent charges being made on my credit cards. So I have filed all of the necessary paperwork to get these fraudulent accounts removed from my credit report to the credit bureaus.
Consumer complaint received 2015-11-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Wallace Management Company, LLC (MO)

Empire Finance has harassed me as well as my family and other references about a loan in my name, I have tried to resolve this issue bioth with the local office as well as there corporate office. I also have now been sent harassing letters threatening to sue me, I have now retained legal counsel.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate, investigation/reinvestigation into every aspect of any delinquency XXXX derogatory data aceused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus @ damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

Date filed- XXXX XXXX Reference # XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' laccuracy and a maximum " possible '' completeness, which extends Ito the reporting mandates that there be no deviation from XXXX Format compliance since, per the CDIA, DNP 3-4 " Any deviation from these standards jeopardizes the integrity of the data ''.

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to o o this important matter is requested in order to comply with federal law.

This has been sent four times
Consumer complaint received 2024-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : " Inquiry Regarding Public Service Loan Forgiveness Application Status and Resolution '' To Whom It May Concern, I hope this message finds you well. As of today, XX/XX/XXXX, I am reaching out regarding my ongoing correspondence with MOHELA since XX/XX/XXXX. Despite having initiated communication over a year ago, I have yet to receive any updates regarding the resolution of errors that necessitate correction, as well as the finalization of the completion 'Processed ' status for my Public Service Loan Forgiveness . 

The lack of progress in addressing these matters is of significant concern to me, as it has resulted in the continued accrual of loan interest due to unresolved issues. I have previously forwarded numerous emails outlining the details of my situation, including attachments related to Public Service Loan Forgiveness, with the expectation of prompt attention and resolution. 

One such communication, dated XX/XX/XXXX, referenced an error in the calculation of my remaining qualifying payments, stemming from my employment at the non-profit organization, XXXX XXXX XXXX XXXX XXXX, since XX/XX/XXXX. Despite having met all prerequisites outlined by the program, my debts remain outstanding, prompting my inquiry into the status of my request for forgiveness. 

In light of the urgency and importance of this matter, I kindly request that you provide me with a comprehensive update on the progress of my case. Your prompt attention to this issue would be greatly appreciated. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

I attended XXXX  school at XXXX XXXX XXXX in XXXX in XXXX and attained an XXXX loan at a high-interest rate. The school has been closed since then, and the degree was not utilized as I couldn't make any money in the field. Since then I have made payments but the loan was still at $ XXXX with no dent. 7 months ago, the loan payment went up to {$600.00}, and I couldn't afford it, so I stopped paying. Navient has been contacting my coworkers and employer to determine work, embarrassing and humiliating me at my place of work. I finally spoke with them and they wanted to settle with me paying $ XXXX in full. The lenders they sent me would only provide a loan at 34 % APR. I can't afford that. Now, they have started emailing my employer again. I live in NC, and I believe as they are a private lender, they can't get this information from my employer, nor can they sequester my paycheck. Please help!
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I decided to accept a balance transfer offer sent by Chase. The balance transfer was successfully completed, I checked on my account and the amount was showed as pending and a message confirmed it was going to be completed in 3 business day. 

When I checked after 2 weeks, just to be sure the BT was proceed, I realized the transaction still pending and that my score when down for having to high balances. 

Chase did not send a letter, or call or any notification, even today still pending and no even a supervisor was able to explain what happened. 

Now with no notice, I am struggling paying the other credit card, still have my loc compromised with this balance transfer and Chase still say I need to give them 7 business day.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I got a new credit card for airline miles with XXXX and no longer needed the Citi card with a {$99.00} annual fee, I called around the end of XXXX, weeks before the fee would be charged, to cancel the card. They convinced me to convert the card to a card with no annual fee and told me that I would not have to pay the fee. I agreed and was not told about the 51-day waiting period, or I missed that in the long disclosure. I received the new card ending in XXXX and then I got a bill on that account for {$99.00}. I called and was told I did not have to pay that, it is in process, you do not have to pay that. The next bill had a late fee and interest charges. I called on XX/XX/XXXX at XXXXXXXX XXXX. PST and spoke to the most horrible representative named XXXX. He was a bully and obnoxious and made me pay the {$99.00} before he would refund the fee and interest. He told me about the 51-day process. Based on this call with XXXX I decided to cancel the card, but I had to wait. I called again after the 51st day and asked where was my money? I was told again it was in process and the representative said she had an override processed and I would receive it in a few days. I did not receive it and called back on the third day. Then I got the story that it was still in process, and nothing could be done, and I would see it on my XXXX statement, which closes on the XXXX. But on XX/XX/XXXX I check the account and see that the {$99.00} credit is there with a date of XX/XX/XXXX! Every time I called I got a different story and none of them ever became true. 

I feel I was defrauded out of my money. They took it and held it and refused to return it. I was not fully informed about the process of converting the card to a non-fee card. I feel the annual fee on the old card had no basis to be charged to the new card. I cancelled that card weeks before the annual fee was to be charged. I had to make numerous calls and every time I was given false information and further deceived. By charging the fee and holding the refund for 51 days they require you to make a payment. You have to use the card or request a refund and I am sure that refund process is also terrible. So now they took my money, paid me no interest, charged me a late fee and interest, and they collected a fee on the charges I made to burn off the credit. 

On XX/XX/XXXX I called to close the account. The web site said my balance was {$220.00} but the difference of debit and credits was only {$92.00}. I feel this is another deceptive practice. I called to get the payoff balance and the representative would not tell me. I closed the account and wanted to pay what I believe is the balance, {$92.00}. When I asked the representative who closed the account what my payoff balance was, she told me {$220.00}. If I paid that I would be overpaying them.