davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (NY)

# XXXX So on XX/XX/2022 at XXXX I had received my direct deposit in my account. After I receive it, there was an {$800.00} unauthorized transaction that was made on my account after the deposit was posted. In the morning, I immediately freeze my card and contact my bank about the transaction. They told me that they couldn't do anything just yet until the transaction was posted onto my account it was still pending at that time and I'll be able to dispute it. So I had to wait 1-3 business days for the transaction to be posted and then I'll be able to dispute the unauthorized transaction to my bank. On XX/XX/XXXX at XXXX the transaction was posted on my account and I was then able to file a claim to dispute this transaction to my bank. They said that it will take 1-3 additional days for them to review it and to respond back to me. I had ask them about cancelling the transaction and they told me to contact the Merchant about cancelling it. I immediately got in contact with the merchant of XXXX and talk to someone that was in charge and explain to them what had happened. They told me that there was no one that made a purchase of this magnitude in person or online and therefore couldn't help me. On XX/XX/XXXX at XXXX they review my claim and there results was that I basically was aware of the balance and the {$800.00} transaction made on my account. I immediately texted them that there was a mistake on there part because at that time of my direct deposit was posted, I was sleeping and wasn't aware of it until that morning when I saw my balance. They concluded that there was no error occurred and as a result of it, the bank was not able to refund or credited the lost money that was taken out of my account.
Consumer complaint received 2022-02-13
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. (AR)

my name is XXXX XXXX i am writing to delete the following information off my file. the items I need deleted are listed in the report i am a victim of identity theft and did not make the charge i ask the items to be deleted to correct my credit report i reported the theft of my identity to the federal trade commission. please delete these these item as soon possible these negative remarks are holding me in attaining not only a mortgage but a car loan.
Consumer complaint received 2023-01-31
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. (FL)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXXXXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$650.00} ( Original Creditor : ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (CA)

We applied for a modification but this company Gregory Funding wants to offer a forebearance. Its not to our benefit. We got a unfavorable agreement but we thought we had no other options. 
After paying a 3 month trial period they were to send the restructured affordable payment plan. We did not receive anything. 
I got a call from the shady company to continue to make the unreasonable payments until they get caught up with paperwork and send us a final work out plan. At that point we felt that was unfair and we needed help to stop this company from collecting more payments that were not part of the agreement. 
This XXXX XXXX XXXX charged us {$1500.00} A month for 6 months to submit. Mother application and prevent any foreclosure proceedings. They dropped the ball because by the time Gregory funding reviewed our paperwork they had already submitted a demand letter a month before they reviewed our forbearance plan. The representative called to inform us of the pending agreement we needed to sign before a certain date as there was already a demand letter sent to us but that was never done. We had to ask for the letter to be emailed, it was dated XXXX and we are in XXXX. 
I sent a freedom of information act letter to Gregory asking for the proof of documentation stating they have a claim to our property as it was sold several times. They were supposed to send documentation via certified mail within 20 days. To this point XX/XX/XXXX will be 20 days We have now been sent another threatening letter of foreclosure and letting us know that we can still apply for assistance through a modification packet. We are very stressed and feel nervous, Ive researched for any and all avenues to stop them from their unethical practices. There is a lot more to this and I have a lot of letters and demands that by RESPA we are entitled to information but they have not sent or responded to any of my demands.
Consumer complaint received 2022-03-04
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. (DE)

This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (MT)

I have numerous hard inquiries on my account that I did not request nor authorize. I have submitted a fraud alert in the past. I have discussed this with Experian and they haven't removed the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (FL)

I opened the account in XXXX. Setup autopay to full pay balance. Autopay ran twice, overpaying account by {$3800.00}. The XXXX to XX/XX/XXXX2023 statement started with that ( credit ) amount and contained a {$25.00} interest charge. I wrote 2 secure notes and 1 phone call. TD refused to refund the interest. The XX/XX/XXXX statement had an ending balance of {$1600.00}, with a payment due date of XX/XX/XXXX2023 ( see attached ). 
On XX/XX/XXXX, I paid {$2200.00}. With {$1500.00} in purchases, this left statement balance of {$450.00}. There were no interest or fees on the XX/XX/XXXX2023 statement. 
I feel that interest charge was unjustified, maybe illegal.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I received a Citi XXXX card. I paid the balance down every time I used the card through a SVB business checking account. I racked up {$8000.00} charges. While my XXXX XXXX Bank Account was debited every time I paid the credit card, Citi closed my credit card abruptly. They said there was an error, being my account that I was paying from is a Savings account. However, I never paid from a savings account. I paid from a business checking account. 

I reached out to Citi and they said I would also not get the XXXX airline miles in the quantity they promised. 

I told Citi they needed to give me my miles. I only got the card because they advertised a bonus for advantage miles on XXXX XXXX that I need to see my daughter. 

Citi reneged on its commitment, even after admitting the reason they closed the account was their mistake. Then, they tanked my credit from an XXXX to less than XXXX because they said I never paid. 

Citi scammed me and wrecked my credit, while lying about delivering points for expenditures.
Consumer complaint received 2022-03-04
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. (MD)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
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: EQUIFAX, INC. (MD)

US Bankruptcy Court Maryland chapter XXXX-dimissed XX/XX/XXXX, and US Bankruptcy Court Maryland chapter XXXX-discharged XX/XX/XXXX, XX/XX/XXXX, therefore, please remove these erroneous reporting from all three credit reporting agencies, Equifax, XXXX, and XXXX XXXX
Consumer complaint received 2022-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MD)

I XXXX XXXX choose not to contract with XXXX XXXX XXXX ( XXXX )./ XXXX XXXX XXXX XXXX Attorney for Plaintiff. 
U.S. Bank XXXX XXXX XXXX XXXX has committed FRAUD, i did not consent to paying extra monthly payments to cover pass do H.O.A fees. My monthly payments has increased starting XXXX XXXX by {$400.00}. I do not have a contract with ( XXXX ). 
XXXX XXXX XXXX, XXXX a Corporation meaning fiction. 
No man or woman can not owe money to a fictitious entity according to XXXX known as XXXX XXXX XXXX ... ...... I XXXX XXXX have the right to Self-determination and Human Rights.
Consumer complaint received 2022-08-21
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. (MA)

In accordance with the Fair Credit Reporting act my rights are being violated.

15 U.S.C 1681 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 a consumer reporting agency can not furnish a account without my written instruction SEE ATTACHED
Consumer complaint received 2022-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NH)

I initiated a dispute with PayPal regarding a {$130.00} transaction from a merchant which was a recurring service which had been cancelled. I purchased a domain name from XXXX ( XXXX ) and never consented nor authorized a charge for web hosting in addition to the domain name. I never received advance notice that I was going to be billed for something in which I did not sign up for. Despite their own terms and conditions requiring XXXX day notice on billing, I received the invoice 1 day before the renewal, via email at XXXX on XX/XX/2022. I cancelled the service shortly after midnight on XX/XX/2022. I was billed by the merchant, for a service that had been cancelled, after never actually signing up or requesting that service, on XX/XX/2022. 

Multiple attempts to contact both PayPal and the merchant XXXX have been unsuccessful. Multiple email requests to both have gone without a response to date. 

I am requesting a full refund of {$130.00} regarding these charges. They were deceptively added to the account, and the company makes it impossible to cancel the charges. Hold times of multiple hours are met when attempting to speak with their " Cancellation '' department over the phone, and emails and live chats go without a response.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
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. (OH)

I have a issue with COMENITY BANK keeping closed accounts on my credit report when I spoke to a representatives she told me it could take up to XXXX to have close accounts removed from my credit. This is XXXX! It close to 5 Months since these accounts were close AND IF CREDIT REPORTS ARE UPDATED EVERY month WHY ARE they still THERE. It takes less time to add bad report on someones credit. I NEED something TO BE DONE.
Consumer complaint received 2022-03-04
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: EQUIFAX, INC. (TX)

I have been disputing XXXX XXXX XXXX on my report since XXXX and as a consumer I asked Equifax for method of verification to show this account was reporting 100 % accurate and they failed to provide that.. this agency is in violation because they furnished information relating to me the consumer that was inaccurate. I told them that this was inaccurate and they still continue to report this to my credit profile. this agency is in violation they were supposed to make sure the account was accurate before putting it on my credit report. That is illegal under FCRA LAWS therefore this must be removed. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply.I reached out to the creditor XXXX XXXX XXXX and recieved a letter for Equifax to delete this Account immediately off my report.XXXX  deleted this account months ago I dont know why its taking Equifax so long but its causing me so much stress and I just want this account off my credit reportEquifax continues to report this inaccurate information on my report and I know I have rights.I also filed a complaint with Attorney General as well. All I want is for this inaccurate account deleted.
Consumer complaint received 2022-03-04
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. (FL)

Experian is reporting Open status on a closed Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$5000.00} Closed This account was closed on XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX {$5000.00} Reported balance Credit limit {$5000.00}
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (GA)

I've sent them a letter of verification exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

They did not provide me with this information and has yet again updated the status with verified without providing the requested proof per outline in the last letter sent to them XXXX.
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (TN)

I'm with Habitat for Humanity XXXX XXXX Tn. They have threaten to start foreclosure procedures on my house on XXXX of XXXX. This is how we got here. I made XXXX XXXX XXXX release from the bank XX/XX/XXXX. They were putting things on my credit I already paid, they were charging me escrow shortage charges every yr. Even though taxes or insurance hadn't went up. Then I found were they added money to my mortgage loan when I started asking questions about my escrow ( didn't find out thru them I found it on my credit ) After I was released from the XXXX the director of Habitat for Humanity XXXX XXXX XXXX said she would find me another loan servicer and not to discuss my loan/ mortgage information with any other homeowner next time. Well I never received another loan servicer and ever since then I have been paying habitat for humanity. About 3 months ago I sent certified letter to XXXX XXXX for her to produce a ledger of what I've been paying and a copy of my mortgage documents. She sent the ledger but can't produce my mortgage documents. She gave me as my mortgage documents 2 deeds onXXXX saying I own the house and another deed. A promissory note and little more things but definitely not the documents I signed at closing. When we closed on our house we didn't get a chance to read anything they basically had pages marked for us to sign and told us what we were signing cause I definitely would've asked why the deed showed I already own the house. Now presently my loan is no longer on my credit and shows paid off with XXXX XXXX XXXX not written off. Everyone knows Trump and Biden put in place programs to stop the foreclosure on people 's home. I was out of work in XXXX and needed the assistance. Well in order to get the assistance you have to have a loan servicer. So habitat wanted me to falsify documents about them being my loan servicer in order to get the assistance and I'm not willing to do that. XXXX XXXX asked me if I had problems filling out the XXXX Mortgage Assistance application I told her yes the loan servicer part. Another lady who works with the habitat told me to call her and she would tell me what to put in. I told her if they were really my loan servicer I would know what to put in and no one would have to tell me. XXXX XXXX said she would have to give board over the habitat something that shows I applied if not she would start foreclosure procedures. I told her start them because I was not going to falsify documents. Btw the letter I received from the attorney has I have been in default since XX/XX/XXXX till XXXX XXXX when actually I've on been in default is XXXX and have the receipts to prove it. Everything I have have said I can back up with documents screenshots and emails. Haven't spoke with XXXX XXXX over the phone in almost 2 years all emailing.
Consumer complaint received 2022-02-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

FIX THIS PLEASE. 

I am sorry that " XXXX from Caliber 's '' diligence resulted in ASSUMING that when XXXX XXXX XXXX XXXX tax office supervisor verified that we owe {$15.00} you recorded it as {$1500.00}. 

I have called ENDLESSLY for resolve. Stop taking escrow money that is NOT due. We owe {$28.00} per HALF in XXXX taxes. You have literally be REFUNDED TWICE for overages paid in this EXACT AMOUNT.
Consumer complaint received 2022-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XXXX I received a letter from portfolio recovery associates whom is a debt collection company that purchased my debt from a previous company in XX/XX/XXXX. The letter stated that I were to select a payment plan and to begin making payments by XXXX XXXX XXXX or my account will be referred to and flagged as a collection. 

On XX/XX/XXXX XXXX I received a notification from the credit reporting bureaus stating that my account was flagged for collections by portfolio recovery associates on XX/XX/XXXX. Almost a week prior to the date stated in the letter that I must have selected a plan and paid by. This company denied me the full opportunity to select a plan and make payments by the deadline that they themselves informed me of before I referred to collections. 

This is egregious buy and violates my protective rights, I respectfully ask that this account is removed from my credit report immediately as I will continue to make payments to said company via the plan that I did select by the deadline that they gave me.