davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

In XXXX of XXXX, I placed a complaint : Complaint Number XXXX. Experian Credit reported a residential address to my Auto Insurance company XXXX XXXX. The residential address was incorrect. I spent the rest of XXXX trying to get this corrected and reported to my Insurance company. XXXX XXXX uses Experian credit to obtain reports that are used to make financial decisions. I have spoken with the company and I have faxed the company. I am not able to access Experian 's website and obtain a current Credit Report. 
Experian has cost me {$1000.00} to date. 
I am seeking a resolution that requires Experian to notify XXXX XXXX  of my residential address which is XXXX XXXX XXXX, XXXX, MS XXXX. I have lived here for over three years.
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (NV)

The company XXXX I have an account set up with. I had lost my debit card on XX/XX/XXXX  the same day I was paid I sent {$1000.00} to my wife they said that the money was sent but I live with my wife and that money was never received I just need to know where the money went because it ruined my kids XXXX.
Consumer complaint received 2020-02-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MI)

To whom it may concern, I am filing this complaint after failed attempts to reach FedLoan Servicing via phone on XX/XX/XXXX and via email sent on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, all of my credit bureaus showed that FedLoan Servicing reported I had missed three monthly payments and I was in a delinquency status. This did not make sense because I was in school in XXXX and my student loans should be in deferment or forbearance state. I was taking two classes from XX/XX/XXXX until XX/XX/XXXX. I did not attend school from XX/XX/XXXX to XX/XX/XXXX and should have been granted a grace period of 6 months ; however, on XX/XX/XXXX, my loan went into repayment instead. Unfortunately, no letter was mailed to me to state this nor did I have access to my old email account at that time, so I did not receive this notice and believed my student loan was in grace period, based on the loan details in the promissory note for repayment terms ( students dropping below half time or out of school ). The payment due date first began on XX/XX/XXXX and on XX/XX/XXXX, I signed into FedLoan Services website and realized my loan was NOT in grace and I immediately updated my status to in-school and provided my start date of XX/XX/XXXX at XXXX. FedLoan Services updated my status and provided the message that no further action was needed from me and that XXXX would provide them further information. I believed this meant that FedLoan Servicing would contact XXXX on my behalf and confirmed that my account updated to {$0.00} payment due before signing out. On XX/XX/XXXX, I began taking classes as a full-time student, with the hopes of finally completing my degree, while working full-time to fund my education. I also worked to increase my credit score to get approval for an educational private loan to pay for continuing education, and apply for a lower interest personal loan to consolidate my larger debts into affordable payments so that my family and I can have a better financial standing. I am now unable to do this. The FedLoan Servicing sent 15+ reports of 90 days missed payments to all 3 credit bureaus, which lowered my score nearly 190 points. I have worked so hard for the past 6 years to build my credit only to have it destroyed because the FedLoan company did not properly apply the deferment/forbearance status accurately to my account. I have attached documentation for their failure to do this. The first document is the approved forbearance period that shows my loans were deferred until XX/XX/XXXX. The second documentation shows another approved forbearance period after they FINALLY updated my school status on XX/XX/XXXX that shows my deferment started from XX/XX/XXXX until XX/XX/XXXX. Given this evidence, my account should NOT have gone into a 90-day delinquency and FedLoan Services should never have sent a delinquent status to my credit bureaus for their failure to update my account.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX keeps reporting incorrect dates of reporting with XXXX, XXXX, and Experian which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX XXXX XXXX fraudulent activity. 

I have disputed the dates that XXXX  XXXX XXXX has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. XXXX  XXXX XXXX is using fraudulent activity which unlawful per the Fair Credit Reporting Act.
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

I withdrew my dispute case of Citi credit card on XX/XX/2020 just because I hit the wrong number. I should dispute {$12.00} instead of {$30.00}. But online status always shows {$30.00}, so I want to withdraw it and reopen the case.
Consumer complaint received 2020-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services (KS)

As of XX/XX/XXXX to XX/XX/XXXX I have paid you {$680.00} but when you add XXXX thru XX/XX/XXXX which is {$380.00} that total is {$1000.00}. I only borrowed {$600.00} even with high interest it would have been {$800.00} in XXXX you said I owed {$320.00} so with that being said you went over {$73.00} but with paying you over a thousand dollars youshould owe me {$270.00}. I know about high interest because I have a title loan and it only get no more the {$200.00} more then what I paid. If I dont get my {$270.00} back that is owed to me I will take this to court and call the XXXX  XXXX  XXXX  and report you for over charging.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: C/C Financial (CO)

its with XXXX XXXX XXXX also in XXXX they sent me a letter stateing i owed money for a loan but thing is iv never had a school loan in my life..yes iv lost my id b4 my social number card yes iv lost b4 im actually waiting for my new card to come in the mail now as we speak for a long time somone has had my credit becuase when i was XXXX my mom almost didnt get food stamps because at XXXX they were saying i XXXX XXXX XXXX XXXX XXXX way out in another part of XXXX that iv never even been in iv never been as far as XXXX and XXXX this place was a few hours away and back then they had told my mom we had to get to there police station to make a report in order to fix it all but at the time we couldnt make it that far out there so my mom kind of let it go i guess. but now i get emails from XXXX XXXX stating i done just made a bitcoin purchues and thank you heres my reciept when i never paid anything with XXXX XXXX i cant even get a XXXX because they wont idenfiy me because of all the XXXX XXXX it says that i have when i dont phone XXXX iv only had XXXX it says that i owe XXXX XXXX and XXXX when iv never even had either of them it says i have a eviction iv never lived alone yet in my name i stay with my boyfriend right now im looking for a apartment but im getting denied its saying i have a eviction or owe a apartment when i dont it says i owe XXXX insurance IV NEVER EVEN HAD A CAR B4 i dont even had a driver record so how the XXXX do i owe insurance???? i just [ please want this all fixed because right now i cant do anything without getting denied from everything i need to move out asap they are tearing are building down and i have no place to go and cant even apply for a apartment because im getting denied from this XXXX
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates (NY)

this comment is outrageous they want to charge me after cancelling service XXXX dollars money I do not have they refuse to offer me a settlement they turned me over to a collection agency I'm unemployed and contacted them to tell them they don't care they want the full amount which I can't afford threatened me to ruin my credit
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

The amount the company is telling me I owe is incorrect and therefore can not be reported without being able to verify the debt owed is correct, the only for them to know the debt owed is correct if for them to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX XXXX  XXXX XXXX to pursue collection and their licensing number, that I am requesting from the company before reporting it as verified and mine. I have requested Pro-Collect Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX-valet for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this debt as being valid and verified. I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents. 

If they are unable to provide the full contract and explain why they have charged a reletting fee of {$2600.00} when in the partial contract they sent me says a reletting fee is {$1100.00}, then they are unlawfully reporting this debt!
Consumer complaint received 2020-02-15
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. (OH)

I sent experian two disputes that they have not responded to they are reporting inaccurate information on my consumer report. I will attach the 2 certified letters that I have sent to experian and I will include my paystub with my address on it. There are unauthorized credit inquires on my consumer report a credit collection and an inaccurate late latepayment from a XXXX account ive always had 100 % on time payments I requested experian to send me a full discription of there method of verification to determine the accuracy of the information hosted on my consumer report and I have not recieved anything bearing my signature or any original documentation or any correspondencce to my dispute in general. I ask that experian corrects the errors on my consumer report immediately by deleting the inquires on my report that are hosted without permissible purpose change the late payment error and also delete the credit collection account that is on my consumer report.
Consumer complaint received 2020-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (CA)

I offered my professional services to someone and we used PayPal to complete the payment. The process for completion takes 60-75 days on my end and the buyer knew that. After 2 weeks he submitted a dispute for the XXXX $ and they took it out of my account even after providing signed contracts from both parties. My account is now negative and as a small business owner XXXX $ will make or break me. The money was used to start working on this customers project. He has a 72 hour cancellation policy and it was completely fine until two weeks. Paypal refuses to help me in this situation and I have reached out to many different people at the company.
Consumer complaint received 2020-02-15
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. (FL)

I ordered a trial product online for {$12.00}. I read all the small print and there was know part where it said I would be signed up for automatic deliveries of more product. This is exactly what happened. In XXXX and XXXX of XXXX I was charged {$84.00}, {$74.00}, {$84.00} and {$74.00}. This happened on XX/XX/XXXX and XX/XX/XXXX. I called and disputed the charges on my credit card. At know time did I authorize these charges. The first dispute was reversed because they showed my credit card company a copy of a product being mailed to my house. I have spent several hours on the phone with my credit card company no avail. I told them that I did receive two bottles that I am happy to return to the sender but that was the {$12.00} trial that I paid for. I was transferred 5 times and on hold for hour and I was not able to speak with a manger. I tried this approach twice but ended up hanging up after being on hold for an hour. That's what brings me hear. I wanted to get an email for the credit card company so I could give them more details to fight on my behalf and send the product back! No XXXX luck. 

Company information : Citi Double Cash Mastercard ( my credit card ) XXXX 24hr customer service Problem company : PT Labs I have original shipping box it came in Fulfillment Center XXXX XXXX XXXX XXXX LA XXXX My contact information : XXXX XXXX XXXX / email XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA STEALS MERCHANT CREDITS See attatched fraud claim investigation results letters of XX/XX/XXXX XXXX {$210.00} & XX/XX/XXXX XXXX XXXX {$120.00}. Both state THE CREDIT WE DEPOSITED AT THE BEGINNING OF THE INVESTIGATION HAVE BEEN REVERSED. Idid not report these as fraud. Both were returned to the retail store. See attatched statements of XXXX & XX/XX/XXXX THERE ARE NO USAA CREDITS TO REVERSE ONLY {$340.00} MERCHANTS CREDITS. 
See attatched Mastercard end XXXX DEBTOR NOT LIABLE XX/XX/XXXX THIS WAS NOT CLOSED. This became Mastercard end XXXX This became Visa end XXXX USAA CLAIMS I NEVER HAD THIS CARD end XXXX and I first used it XX/XX/XXXX when I opened it in XXXX.??? ( This card sat inactive for 4 years it would then appear?? ) note* the staement XX/XX/XXXX card end XXXX not XXXX??? USAA CLAIMS I OPENED THESE ACCOUNTS WITH ELECTRONIC SIGNATURE ** I PHYSICALLY AM UNABLE TO DO FOR 15 YEARS OR MORE I NEVER HAVE HAD ON LINE ACCESS. I request ORIGINAL SIGNATURES for Charges on all the accounts mentioned above I also demand USAA REFUND THE MERCHANTS CREDITS. I AM A VICTIM OF IDENINITY THEFT case XXXX Trying to Rebuild my destroyed credit reported by USAA.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2018 XXXX filed a complaint against me in the Superior Court of California , County of XXXX XXXX. Case Number XXXX. 

They contacted my employer numerous times harassing human resource department, threatening to visit my employer. 

They sent someone by my employer and tried to serve me at my place of employment twice. They actually served papers to my human resources department. 

The continued their harassing calls to my employer and this cause undue hardship with my employment and threatened my employment. I could of lost my job. It did do damage to my reputation as a XXXX and for this I am marked by employer as not being financially stable. 

Fair debt collection practices laws were violated and I am seeking a correction. 

I went to court and paid this bill in full. This bill was not charged off but paid in full. 

I want this account totally removed from my credit report. I paid over the amount that I borrowed. I called the company and tried to work out a pay off of the account, but when I called they would not take allow me to pay off the account. Then the collection activity started. I have proof that envelopes were sent to my place of employment : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. They addressed the envelop to my employer so they would open it and read it and know all my personal affairs of this loan and the complaint that was filed in Superior Court. 

This is a direct and planned strategy of XXXX and should not be tolerated.
Consumer complaint received 2020-02-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (PA)

I send an email to them Revoking any and all future authorizations to debit my bank account, according to my CFPB rights On XX/XX/2020. This morning XX/XX/2020, I see an unauthorized AUTOMATIC DEBIT WAS TAKEN FROM MY ACCOUNT in the amount of XXXX, after they had responded to my email saying they would not do this!
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (WY)

LVNV FUNDING, LLC. $ XXXX XXXX. 
COLLECTIONS OF A DEBT PASSED THE STATUTE OF LIMITATIONS IN WY. 
INCLUDING FEDERAL STATUTE OF LIMITATIONS. 
DISCHARGED IN BK # XXXX JOINT ACCT. 
*DISPUTING THE ILLEGAL COLLECTION PRACTICES OF THIS FIRM. *
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have disputed an account with XXXX XXXX XXXX that was paid in full on XXXX XXXX. The last reported date from the company was XX/XX/19. Upon receipt of the dispute the company, Transunion LLC sent notification that the dispute was being investigated. I received a notification that my dispute results were ready to view. Once logged into the portal, I was unable to view them. I called the company on XX/XX/19, asking to dispute the account, the representative explained to me there was no record of the account on my report. This is rather frustrating I am in the process of buying my first home, and I would like for my report to reflect my ability and willingness to pay on time.
Consumer complaint received 2020-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I am a California resident and had taken out a emergency installment loan for {$3000.00} using cashnet USA on XX/XX/19. The APR is  166.03 % totaling {$8500.00}. Ive paid the original loan amount but the interest is killing me and Im struggling to afford it. The only solution that has been given is setting up a new payment if one payment is missed.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

I filed a dispute with Transunion about late payments showing up on my account when it's been current. Also they are reporting that I'm XXXX late when that's incorrect. I supplied them with receipts and emai verifications and the item remains on my credit report as verified.
Consumer complaint received 2019-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

Earlier in the year I made out a check and mailed to a merchant as a common thing to do except that this time the merchant never received the check. I then saw in my checking account that check had been already cashed for a different higher amount. So I went to my bank ( Citibank ) to verify why the error of the amount on check. I asked for a copy of the cashed check and as u suspected it was a completely different writing and signing in the check. I realized I was a victim of a check fraud. I have the carbon copy of the check I originally wrote and showed to staff manager of the bank. After a long time of waiting for their fraud department to pick up the phone nothing was really done and they told I have to personally call them myself which I did and after making me wait on the phone forever they told me the matter will be under investigation and they can not give me a conditional credit in the meantime. Process of investigation could take up to 90 days. Its been already over 5 months since this matter! What Im even more upset about is the lack of sympathy from Citibank for me whos been a customer for over 30 years! And by not giving me a instant conditional credit to my account! Thank goodness the amount of fraud wasnt thousands! Im still waiting for a response and my feeling is it will never happen. Thats why I have no choice but letting you know about this. I have check copies of fraud and other documents of proof. Hope this matter make the bank to be more sympathetic of their fraud victims and do the right thing!