davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I paid {$1000.00}, check # XXXX, dated XXXX. This check cleared my bank XX/XX/XXXX. I became aware the payment had not been credited in late XX/XX/XXXX when they declined a purchase. I called to try to resolve the missing payment. They sent me a letter dated XX/XX/XXXX stating they were researching the missing payment and to allow up to 90 days to complete their investigation. I called XXXX  and spoke with XXXX, she was not able to assist me until my husband authorized me to speak about this account. I called back with my husband on XXXX My husband gave permanent permission for me to communicate with the bank on this account. We/I spoke with XXXX. She told me to submit a copy of the cancelled check on the website. Their webpage to submit documents popped up " page not available ''. I mailed a copy of the canceled check with a copy of their letter dated XX/XX/XXXX to XXXX XXXX XXXX, XXXX, OH XXXX ( the address on the letter ). On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, stating they received and credited my XX/XX/XXXX payment. This is NOT the payment they did not credit to my account. I checked the website. The missing {$1000.00} has not been credited to my account. I have spent 5 months trying to resolve a missing payment that I made 7 months ago. I expect them to credit the missing payment and the interest charged for the 7 months they had the payment and did not credit it.
Consumer complaint received 2015-08-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (PA)

I have already filed a complaint against JP Morgan Chase in regards to my mortgage and there lack of professional customer service. I am a victim of financial and XXXX abuse. I am in the process of getting my life in order. I was left with a huge credit debt due to my spouse. I pay my bill every month on-time. I asked if my monthly payment could be reduced temporarily until I weather the storm. I was told by them that they could not help me. I wrote letters to them explaining my situation and still they would not help me because I am current with my monthly payments. I am trying to avoid bankruptcy. I have a court order sale of my house that my spouse is in contempt of. All I am asking from them is temporary help until I am able to get on my feet. They are unresponsive and down right nasty to me. I received a positive response after filing a complaint about there customer service in regards to my mortgage and now I am asking again.
Consumer complaint received 2023-04-28
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$1200.00} ; 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.
Consumer complaint received 2016-09-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (PA)

I was contacted by Transworld Systems Inc. about a default student loan debt they are attempting to collect on for XXXX XXXX XXXX. My original loan amount was for {$11000.00} and they are claiming I have a balance of {$17000.00}. I asked what I need to do to dispute this debt amount and they would not share that information. I also asked the representative the date this debt went into default and the time-barr status, he refused multiple times to give me this information. After the representative asked how I intended to take care of this balance I informed him that I would not be making any activity on this account until they verified this debt by sending me the appropriate documents through the mail. I provided him with my address where they can send me the documents and 18 days have passed, I have received nothing. He also asked me what my annual income was and wanted the address of my employer, I told him I was not comfortable sharing this information. I received another collection call a few days later with the same routine and I reminded them that they are required to mail me verification of the debt within 5 days. I told the representative that I did not want to receive any more calls until they mail me verification of the debt. They have called 2 more times since then, but I declined to answer the phone. They have ignored my requests for documents and refused to share information on the account with me multiple times. I can not do business with or make payments with a collection agency who conducts themselves this way.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (FL)

I am attaching a statement, but the short version is Citibank denied my credit increase based on an exisiting Payment Arrangement program - that they say I am enrolled in. However, they have no proof of that, and in fact XXXX of the staff that I spoke with agreed that I am not in any program and that my card is in good standing. After speaking with different staff at Citibank - I was told that " I must have had a debt charged off with Citibank, sometime in the past 36 months. '' However, they have no information about this, no dates, no amounts, nothing and they also will not provide me this in writing.
Consumer complaint received 2016-10-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NY)

Medical Billing XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern : This letter is to complain about XXXX bills I recently received from XXXX. I called XXXX on XXXX XXXX, 2016, to find out how to deal with a problem I 've had with these XXXX bills. 
The XXXX police handcuffed me and forced me to the hospital because I was XXXX. When I arrived at the hospital, they handcuffed me to a chair while some staff asked me some basic profile questions. The cops then proceeded to take me to the XXXX where I met the XXXX who finally XXXX. The XXXX took me into a plain office and just gave me a tissue and asked me a couple questions about my profile. After five minutes, I was told to wait outside while the cops casually planted themselves in chairs to relax thinking they would be there a long time. The XXXX said I was fine to go and the cops quite surprised, proceeded to handcuff me and make me wait upstairs while they went to the cafeteria to get food. At this point, I had not eaten all day and just thought how my friends and family were probably wondering where I was. I realized I was taken to the hospital so the officers can get food and relax while I just got a XXXX. Less than one hour was spent at the hospital where most of the time was spent with me waiting handcuffed or watching the cops get food. I spent only fifteen minutes or less to myself in a XXXX and answer a couple questions and I refuse to believe any of that qualifies for an emergency room bill for {$1600.00} and emergency visit for {$140.00}. It is completely absurd and outrageous considering neither was any emergency at all and all I was given was a XXXX. 
After I had been on hold for several minutes, a representative came on the line. I tried to explain my problem to her several times and she interrupted me to say she could not help me and to write a letter explaining my situation. Needless to say, I was quite frustrated. I do not want to spend any more time on this problem and I am including these XXXX bills to be cancelled. I will be informing my friends, family, lawyers, and if necessary, forwarding all this information to the executive staff of this company and NY XXXX XXXX XXXX about this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-28
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. (IL)

Im reporting a bill which I have no acknowledgment of. I dont know why its on my credit report. I would like to have proof of who they are, not some random bill that can be from anywhere due to fraud. Ive never recite anything from the company or who they are.
Consumer complaint received 2023-04-27
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. (IL)

Im reporting a bill which I have no acknowledgment of. I dont know why its on my credit report. I would like to have proof of who they are, not some random bill that can be from anywhere due to fraud. Ive never recite anything from the company or who they are.
Consumer complaint received 2017-02-17
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

ON XX/XX/XXXX I sent money to a friend via PayPal. In the description note, I stated it was for a XXXX trip. PayPal held the transaction for a " governmental review '' and stated it could take up to 72 hours to resolve. However, it is now a WEEK later and my transaction is still pending and no word from PayPal. I have contacted them numerous times to either return the money ( it has already been sent from my bank account to PayPal ), cancel the transaction or put the money through so my friend can send it back. PayPal claims they ca n't do any of it. However, I have researched and noted that other transactions under the same review have come to a close after PayPal contacted the person to explain. No one at PayPal has contacted me and no one can give me a direct answer. This is ridiculous because I have now had to pay an additional {$380.00} to my friend and I am STILL waiting for this to resolve from PayPal.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OH)

I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report not belonging to me. 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, OH XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX, OH XXXX NOT MINE which are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against XXXX for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address. accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. 15 U.S. Code 1692e 10 False or Misleading Representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


13.15 U.S. Code 1692e 10 False or Misleading Representations XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2023-04-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

XXXX ) I bought a belt from a company- XXXX  on XXXX  on XX/XX/XXXX which was for {$85.00} XXXX ) They didnt send me the belt, I kept following up for a month where is my package but never received it. 

XXXX ) I asked the company to refund my amount as I havent received the product. They sent {$440.00} ( via PayPal ), which the seller company mentioned was a mistake. However, the belt was for {$85.00}. 

XXXX ) Yet, I transferred back the extra amount on XX/XX/XXXX which is {$330.00} ( After removing the cost of belt and PayPal fees ) via XXXX  app ( since it was to XXXX account ) ( XXXX  reference number : XXXX ). The company received the amount on XX/XX/XXXX. 

XXXX ) On XX/XX/XXXX, they filed dispute on my PayPal account. PayPal reached out to me regarding this dispute and I provided enough evidence that this is clearly a scam. However, on XX/XX/XXXX, Payal took out money {$420.00} from my account leaving my account in negative balance. 

XXXX ) I reached out to PayPal telling this is a scam from this company. However, they mentioned since the excess amount was returned from third party application, PayPal can not take any action on this transaction Please let me know if you need any of the evidence, I have secured all the images of conversation as well as transaction IDs.
Consumer complaint received 2018-01-25
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: EQUIFAX, INC. (TX)

This company below posted a collection account on my credit report prior to contacting me or giving me an opportunity to dispute by law I have 30 days to dispute. By law the collection company is required to send notification of debt. 
This is the three company trying to collect on this debt. 

XXXX XXXX XXXX {$470.00}
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK (NJ)

I have a conventional mortgage with investors Bank ( formally XXXX XXXX ) since XX/XX/XXXX. I paid down less than 20 % of the load which requires me to have a Private mortgage insurance. I 've been making extra payments on the account each month which reduced my loan-value-ratio significantly. My PMI based on the disclosure statement is due to be dropped in XX/XX/XXXX. In XX/XX/XXXX when my loan reached 80 % of the loan to value ratio informed Investors Bank in writing twice for a removal of the PMI. The last correspondence was XX/XX/XXXX. My loan to value ratio is currently at 73 % ( Original home value {$200000.00} with current balance less than {$140000.00}. They failed to drop the PMI, stating that it 's due to be removed in XX/XX/XXXX and that I need a new appraisal ( they will have an appraiser from their bank contact me. To date I 've not been contacted by an appraiser ) to ensure that the property have n't decreased in value. My question is, should n't the PMI be dropped automatically when conventional loan reached 80 % of the original value based on federal law?
Consumer complaint received 2018-01-25
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nations Recovery Center (NJ)

I was enrolled in XXXX XXXX XXXX XXXX XXXX in XXXX in XX/XX/XXXX. I took a XXXX program for a year. I am being sued by three different debt collection agencies for over XXXX, this school did n't cost XXXX. When I ask for the original document to prove the amount I owe they have't provided it and they also state the loan is from XX/XX/XXXX. I was n't enrolled in the school in XX/XX/XXXX.They are endlessly calling me to settle a debt that I do n't owe this amount. I received {$5000.00} from the state and took out a private loan from XXXX from XXXX XXXX XXXX XXXX. I have tried to contact school but they have closed. I also tried contacting XXXX XXXX XXXX XXXX and to no avail. I do n't know what to do. Company will not forward me any info on the original loan. I was never served with papers that I was being sued or notified of a court date the judgement was just entered.
Consumer complaint received 2018-01-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have been on XXXX since X/X/2017. When I called Navient to let them know, they extended my forbearance, which I recently learned was part of their deceptive practices. I believe they should have encouraged me to get an income based repayment plan or some other better option for my situation. My student loans are now {$260000.00} I dropped out of law school in my 2nd year and dont even have my degree. I cant even keep up with the interest!
Consumer complaint received 2023-04-28
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Good evening, To start I had deposited a verified check into my checking account and BOA stated that it would be available Tuesday the XXXX of this month, I also had two fraud claims one for XXXX, and the other one for XXXX that I was being provided with provisional credit available on the XXXX as well. When I went to check my account that morning I was locked out of my account I immediately called the bank and they stated that it was A branch decision to close down my account they couldnt give me any information. I tried to talk to supervisors, managers, and different employees all for some type of answer but was getting the run around. Im in a low income apartment that I just got approved for last Friday and have to pay rent on the XXXX of this month, I can not afford to miss a payment this will be detrimental To the program that I am in. I was about to purchase a vehicle the same day my money was deposited into my account and had to put that on hold because of me not having access to my money. Its just me that I depend on so me not having access to my money has been hard on me these pass 2 days. I can not afford to feed myself, im barley making it to Work with the little gas I have and I can not even afford to pay my phone bill this month and im at my limit with extensions. I cant call on no one to borrow any money so this has gotten me very depressed that I can not access my money. They have an option for me to withdrawal my funds from a branch but keep giving me the run around and says that most likely I cant do that because of open claims. Also, to contact me please dont call because I dont know how long my phone is going to be on with my bill past due please send me an email to : XXXX. 
Please be advised that the issues described in this complaint will be shared with the financial institution or company in question for their response.