davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: Ingo Money, Inc. (CA)

On XX/XX/XXXX I received a ceck settlment from the attorney 's who served as the administrators for the class action suit for XXXX XXXX. The check was for {$120.00} because I had purchased five ( 5 ) bottles I submitted te check for payment though the XXXX XXXX website which has the mobile upload for checks that is operated by Ingo Money. 

The website stated to copy the front and back of check and write Void on the front of the check which I did. 

After waiting for 3 days I call first XXXX they inform me to call Ingo Money. I was told that the check have not been approve and that Ingo need me to submit verification of the front and back of my ID along with a picture which I did. 
Then I was sent a email to resubmit the check which I did. 

This the only way to cash the check because it shows on the check you can NOT cash it at a check cashing agency or money service business only on a mobile app I dont have a back account I have been with XXXX  and XXXX since XXXX. 

Now Ingo Money claims I violated their policies and my account with Ingo Money has been deactivated I NEVER had a acoount with them only XXXX XXXX. 
it will take 45 to 65 days to get another check and I may have the same problem. 
the settlement is for XXXX XXXX  and I'm sure many many other person are haveing the same problem. 
Please help us due to the economical situation that we all are in I really need that {$120.00} XXXX XXXX said they can Not help me. It is a promble with Ingo ever though Ingo is on their wedsite
Consumer complaint received 2020-05-22
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: CCS Financial Services, Inc. (AR)

My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, Credit Collection Service, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify accurate information these accounts must be removed in accordance to the law.
Consumer complaint received 2022-07-01
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: AMERICAN EXPRESS COMPANY (CA)

I have two separate AMEX accounts ( AMEX XXXX and AMEX XXXX ). 

On or around XX/XX/XXXX, for my AMEX XXXX XXXX, I signed up for " Pay Over Time '' with an offer to earn XXXX membership rewards points for doing so. These XXXX points were awarded to my account. 

Previously on XX/XX/XXXX, for my AMEX XXXX card, I had also separately signed up for " Pay Over Time '' with an additional offer to earn an additional XXXX membership rewards points for doing so, but never received the XXXX points. I rose this with the company on XX/XX/XXXX, XXXX they said it would take1-2 weeks to resolve the issue, but never resolved the issue or contacted me with a response. I then submitted an CFPB complaint, and in their response they stated they had already paid me the XXXX membership rewards in question, but this XXXX was for my AMEX XXXX card as stated in the letter. They completely ignored the fact that I also applied an offer for XXXX on my AMEX XXXX card. The terms say " only one offer per Card account '' but I have two separate cards. 

In order words, in total, they should have paid me XXXX points for the two pay over time offers, but they only paid me XXXX membership rewards points for one of the offers. Therefore, they owe me an additional XXXX membership rewards points specifically for my AMEX XXXX card. 


See screenshots of the two offers and two confirmations for both cards.
Consumer complaint received 2019-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Paypal Holdings, Inc (NY)

Over the past 18 months I have been receiving security text messages from PayPal with a six digit security code. This was odd because I do not have a PayPal account. After reaching out to my bank this past XX/XX/XXXX, we identified several fraudulent charges to my credit card stemming from a PayPal transaction. After calling PayPal in XX/XX/XXXX, I was informed that an account had been opened using my personally identifiable information ( e.g., phone number, date of birth ). However, the account used an email address that I did not recognize. After being told that were cancelling the account and print a flag on any new account being opened using that information, I then began receiving more suspicious text messages from PayPal today ( XX/XX/XXXX ). 

I called up my bank and had them block any transactions originating with PayPal ( as I do not conduct business with PayPal ). I then called up PayPal to try and resolve, and at first they told me that an account exists with my information only to tell me the exact opposite five minutes later when I asked for security measures to be implemented for the account. After they refused to do anything about the, I reminded them that they are subject to federal regulation with regard to the protection of personally identifiable information. After not having any luck with then in this regard, and having patiently tried to handle this with them directly over the last 18 months, I've decided to submit a formal complaint.
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP (CA)

In XX/XX/2020 I informed XXXX XXXX, XXXX that our account with XXXX  XXXX XXXX ending in XXXX XXXX for {$1700.00} was assigned to XXXX XXXX XXXX ( a credit card payment consolidation company ). 

We informed XXXX about the situation and accepted to include the bill to our credit card consolidation file. Today we received another bill from XXXX dated XXXX. 

We want XXXX to stop harassing us regarding this bill. You may contact us at our home phone XXXX if you need more details. Thank you. 

The XXXX XXXX
Consumer complaint received 2022-07-01
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. (NV)

I have filed a police report and an identity theft report for multiple accounts on my credit report and they were removed and then more were able to somehow be opened after I sent In everything and also put a lock and fraud alert on my credit report. There is credit cards and loans that were opened in my name in the last year that is identity theft and the credit bureaus have been absolutely no help with all I have done to try and take care of this since 2020.
Consumer complaint received 2022-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (MT)

CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums with an exception to mail. 
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Grant me my title lien free. 
Do not seize or attempt to seize anything in my possession. 
XXXX out the balance on this account. 
Cease and rescind use of my intellectual property, my signature. 

On XX/XX/XXXX, a billing error occurred per 15 USC 1666. The contract states : " You, the Buyer ( and Co-Buyer, if any ) may buy the vehicle below for cash or on credit. '' During this transaction, cash was used to purchase the XXXX XXXX XXXX XXXX, this is a clear violation of my federally protected rights as a citizen. 



Best Regards, XXXX : XXXX
Consumer complaint received 2020-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NJ)

XX/XX/2020 {$250.00}, {$50.00}, {$250.00} There are thee derogatory accounts listed from this agency at the same time and from the same originated company. Two of the charges appear to be exactly the same due to the same balance and company name. The collection agency has not listed what type of account this is or verified that the account does not belong to me. I have tried to reach this agency, however I have not received a response. This was posted to my XXXX  credit bureau record without any prior contact with me. I have no knowledge of the original creditor or the collection company. There is no publicly listed phone number or address for this company. I have filed a dispute against this agency and the three charges they have filled on my account. Also, If the charges were from the same original creditor why would there be three separately filed derogatory remarks if there is only one collection agency?
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I, have written this letter to dispute a claim that is falsely listed on my credit report. 

Party Owed : midland credit management Amount : {$8800.00} I am disputing this claim as I never had an account with XXXX  for this amount nor was I made aware I have received no notifications and when I attempt to do the responsible thing and contact I get no response. This is my official request to have the aforementioned item to be deleted off my credit report as again it is not mine, and can not be proven that it is mine. I did not open any XXXX  card in XX/XX/2019 for {$8800.00}.
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

Plaza Home Mortgage, my loan servicer, bought insurance on my behalf last year for no apparent reason. I own a duplex that had insurance with XXXX through a reputable broker, XXXX XXXX. I do not have impound accounts. It was the same insurance I had when I financed the property, nothing had changed, they just bought insurance for me for no reason. I received a letter from Plaza Home Mortgage XXXX of 2019 saying that they were charging me for this insurance. 
I immediately contacted Plaza Home Mortgage with a copy of my policy, but they sent me a letter saying because the address on the policy was only half of the property address it was not valid. I contacted my insurance broker and XXXX and both send Plaza Home Mortgage a copy of the policy, that it covered the whole dulplex, and the main insurance brokers copy of the policy that we provided had both addresses. 
They still charged me month after month, I had my broker send emails and faxes month after month. I am still having to pay for this. 
Plaza Home Mortgage refuses to let anyone speak with the people who review the insurance, every month they just open the case and close it. They now owe me HUNDREDS of dollars. 
They are stealing from me. Please help, they are incompetent.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have attempted to settle this issue with the credit card company and I spoke with an agent ( XXXX ). The credit card is a Wal-Mart card that used to be with XXXX XXXX. Capital One bought the account in XXXX of 2019 but the automatic payment information was not transferred. I am willing to make up some kind of payment plan but COVID-19 IF IT TAKES INTO ACCOUNT THE CURRENT COVID-19 IMPACT THAT HAS REDUCED MY INCOME IN THE STATE OF MARYLAND, XXXX XXXX COUNTY. I HAVE DISPUTED THE PAST DUE FEES AND THIS IS A DISPUTE OF THE PAST DUE FEES. ANOTHER CONVERSATION WITH XXXX SAID THAT THEY WOULD REDUCE ANY AGREEMENT TO WRITING.
Consumer complaint received 2022-12-30
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have been trying to save my home for the past 6 months now with PHH Mortgage. They have refused to review my account for a modification. I have been sending in documentation including Bank Statements, Pay Stubs, Tax returns, Letters of explanations, etc for SIX MONTHS. I have never been able to speak with my Account Manager, and neither has my 3rd party representative. I want it to be known that this company is discriminating against me due to my native language, which is XXXX All of the documents I signed when I bought my home are in XXXX. My bank account statements are in XXXX, because that is what I read and write. PHH is now saying that they need me to send in my bank statements in English. They are trying to tell me that there is not 1 XXXX  speaker in the entirety of the PHH Mortgage corporation. How am I supposed to get anywhere with keeping my home if there is not someone who can communicate with me or that I can communicate with on behalf of my home. If this information was relayed to me when [ purchasing my home, I would never have chosen PHH as my servicer. As a XXXX man in XXXX, I have been rejected help regarding my mortgage because this company refuses to review me for a modification based on my XXXX and XXXX. I would like to be reviewed for a modification right away.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2020-05-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (OR)

The original price for this XXXX XXXX  XXXX is about {$14000.00}. The car was leased around XXXX and up to date the balance is around {$11000.00}. So far I think I have paid over {$28000.00} for this car. Something is not right. I want a thorough investigation on this. Even when I just paid about {$2000.00} few days ago to get my car back the amount still remain the same. I want all records of payments. No late fee will amount to almost {$20000.00}. Something is not right here.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX Date Opened XX/XX/XXXX Hello I am not sure if I checked the correct radio button or not, however we did a voluntary repo in XXXX, the company sold the car and never sent us any documentation, we however disputed on XXXX and XXXX and it was removed from XXXX but still showing on experian and XXXX. However here is the issue this company has charged off the account and yet they have consistently being charging late fees every single month in the amt of the car payment which has now amounted to over {$20000.00} and we owed them less than this so I am really confused how we can be paying late fees on a closed account.We are really in need of help to have this removed and have this company really looked into. For both myself and my husband XXXX XXXX. Can you please help me with this. It shows closed since XX/XX/XXXX and yet they have been charging late fees every month up until XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-05-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

When I purchased the vehicle XX/XX/XXXX I originally financed it through XXXX XXXX. On XX/XX/XXXX, Capital One refinanced the loan and paid off XXXX XXXX. XXXX XXXX immediately sent the Lien Release letter to Capital One as the new security interest holder. Capital One has since sat on the title paperwork, and as of today XX/XX/XXXX still not send the paperwork to the Oregon DMV so the DMV can process my title and send me the registration and plates so I can drive my vehicle without a temporary trip permit. Oregon DMV granted me a 90 day trip permit back on XX/XX/XXXX so that I could drive my vehicle while they awaited the paperwork from Capital One including the Lien Release letter from XXXX. On XX/XX/XXXX I received a letter from the Oregon DMV stating that they were still awaiting the lien release so they could finish processing my title and registration. I immediately contacted Capital One who confirmed they had the lien release from XXXX, and would send the requested copy to the Oregon DMV. On XX/XX/XXXX, I followed up on the status of this request with Capital One, and was told that they had not yet sent the required document to Oregon DMV, but they had just sent the paperwork over to their mail room whom would process and send the paperwork via XXXX and email me a tracking number. As of today, since I had still not seen a tracking number via email, I again called Capital One to follow-up on the status. The representative again told me that it had not yet been sent, but that she showed that it was in the mail room, and confirmed I was still supposed to receive a tracking number once it is sent. I called and spoke to the Oregon DMV asking what I am to do once the current trip permit expires on XX/XX/XXXX since Capital One hasn't yet sent them the lien release, and since due to the COVID backlog, the process could still take a couple months once received, for me to finally get my registration and plates so I can drive without a trip permit. The Oregon DMV stated that they do not provide additional trip permits, and that I need to continue to hassle Capital One to do their job and get them the paperwork that they should have already sent months ago when the lien release was originally received by Capital One from XXXX XXXX. Capital One is now causing me undue hardship and stress in having to take time out of work to call them continuously to make sure they're doing their job. Please help make them do their job and get the paperwork to the Oregon DMV.
Consumer complaint received 2022-05-19
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  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.