davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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: DISCOVER BANK (FL)

On XX/XX/XXXX, I authorized a deposit for moving expenses to a company named XXXX XXXX based in XXXX, centered around an interstate move from XXXX XXXX to XXXX. The deposit was {$1600.00} for a BINDING price of {$4400.00} to pack and move my residence, to move my motorcycle, and to load and move an already packed residence of my girlfriend. 

On XX/XX/XXXX, I was informed that XXXX XXXX was just a Broker and not the actual moving company. The company that would actually be handling my move was a XXXX XXXX XXXX XXXX based in New Jersey. 

They arrived at my residence and told me that it would be in excess of {$8000.00} to pack my items and move them to Florida. I informed XXXX XXXX XXXX that I had a BINDING agreement with XXXX XXXX and that it was {$4400.00}. 

XXXX  XXXX XXXX loaded the truck as I had an apartment lease and needed to have the items removed from the property. They brought them to storage in XXXX XXXX. I disputed the charge with Discover due to Fraud, deceptive practices, extortion etc. and won the dispute. I filed a report with the USDOT and the FCMSA. XXXX XXXX XXXX as a result of losing the dispute has informed me they are going to auction off my items as a result. Litigation has been threatened against XXXX XXXX XXXX and XXXX XXXX if this occurs. My attorney is XXXX XXXX in XXXX. 

The fraud the commenced was a moving scam initiated by the Broker, XXXX XXXX. They get your business by coming in with a low price. Then when the actual moving company is on site, they can charge you whatever they want. XXXX  XXXX XXXX even had the audacity to show up with a XXXX XXXX XXXX  rental truck, which only has a capacity of XXXX cubic feet, and charge me for XXXX cubic feet. This fraud has been reported to Discover and law enforcement authorities and criminal charges are pending. 

As XXXX XXXX was a party to this criminal fraud, I do not believe they should be allowed to collect on this {$1600.00} deposit. Further, as the job was not completed as one residence was not packed, the motorcycle was not packed, my items are stranded currently in a storage unit in XXXX XXXX, and they are being threatened to be auctioned off ; in no way, shape or form has the job been completed as described and it is very likely criminal in several aspects. As such, I do not believe XXXX XXXX should be allowed to charge me {$1600.00}. I ask the Consumer Protection Financial Bureau to mandate Discover to complete a more thorough, fair, and proper investigation, for the CFPB to inform them that when criminal fraud is perpetrated in conjunction to a credit card transaction, that it invalidates the charge. I thank you for your time and attention in this matter!
Consumer complaint received 2023-07-28
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

Company : PHH Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # : XXXX Pay Plan Type Line of Credi I have applied 4 times. Each time, the Credit Draw Request is denied because I didn't follow their prescribed format. When I asked for the format in writing, I was told that it would take some time ; however, I was told that the agent was looking at the format. 
The credit draw is to provide for my wife who is on XXXX  and XXXX XXXX XXXX. I am running out of funds to provide for her care. Please assist. 
This is a practiced process. BEWARE
Consumer complaint received 2023-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

XX/XX/XXXX, I was accepted at XXXX XXXX XXXX XXXX XXXX. I was offered the Federally Insurance Student Loan from XXXX XXXX Bank ( my grandparent 's bank ). XX/XX/XXXX, the bank disbursed to XXXX XXXX XXXX XXXX XXXX {$1500.00} for my tuition and fees which was to cover the year XXXX. The bank disbursed again in XX/XX/XXXX, to the XXXX XXXX XXXX XXXX XXXX {$1500.00} for the XXXX school year. No other student loan moneys were disbursed. I left the university XX/XX/XXXX. Then after 11 years, I was accepted to a graduate institution : The XXXX XXXX XXXX, in XXXXXXXX XXXX XX/XX/XXXX. The XXXX XXXX XXXX XXXX disbursed {$5000.00} for my first year of graduate studies XXXX. Then again, the XXXX XXXX XXXX XXXX disbursed {$2800.00} for the XXXX. Then again the XXXX disbursed {$5000.00} to cover my tuition and fees for the third and final year of graduate studies XXXX. XXXX provides grants and scholarships, but the moneys are billed to me under XXXX ( XXXX XXXX ). 
XXXX XXXX XXXX XXXX, and now MOHELA XXXX XXXX Servicer are the most recent servicers overseeing the 37 years to up to 53 years student loan misrepresentations which started back in XXXX. The servicers down through the years have misrepresented their forgiveness and repayment options. I taught Adult Education in XXXX which should have made me eligible for Public Service Loan Forgiveness ( PSLF ). I served in the United States XXXX XXXX and recommended to the XXXX XXXX XXXX This should have made my eligibility for Public Service Loan Forgiveness ( XXXX ) available. And see the attached PSFL application I am a Knight of XXXX former employee Field Agent and this too, makes my eligibility for Public Service Loan Forgiveness ( PSLF ) available. To say I must pay back {$100000.00} by the year XXXX when I only borrowed about {$15000.00} - {$18000.00}. This is engaging in deceptive acts and practices and it has harmed me the student loan borrower.
Consumer complaint received 2020-04-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Devor Mortgage Investment Corp, DBA Quality Home Mortgage (KY)

My wife and I began the home buying process late XX/XX/XXXX. It is now mid XX/XX/XXXX and we barely just got an appraiseXXXX out to our house a month ago. ( Which was 7 months into this ). We can never get a hold of the mortgage company XXXX XXXX XXXX XXXX  in XXXX, KY XXXX she ( XXXX ) never calls us back she never has definite answers for us as to whats taking so long. We have paid all the fees. we have provided all the documents that weve been asked for and we cant get any further in the home purchasing process. We have called her 3 times a week with no returned call or answers.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MS)

I applied to the Ulta Rewards Credit Card in store while shopping one day ( fell for the employee contest and figured it wouldnt hurt ). Only used it for that single purchase ( giving the card a balance of less than {$100.00} ), and didnt plan on using it often after this. I missed an initial payment, was charged the late fee, justifiably, but called and told the representative to pay the entire balance over the phone. I was told it was done, and took her word. Time passes and I finally had a chance to catch up on things that slipped through. Saw that I had an account negatively impacting my credit, and its this account that should have been closed months prior to this. The only balance on the card is late fees that are being continuously stacked on one another, which is not only absurd due to the process of charging late fees for late fees ( that shouldnt have even been charged to begin with ), but it is also impacting my credit score to my detriment
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Illinois Collection Service, Inc. (IL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2023-07-27
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. (TX)

You are reporting the incorrect collection agency for account XXXX. You are reporting the debt buyer as XXXX XXXX when the correct agency is XXXX. I have already settled this account with them, and I will attach the bill of sale showing that XXXX does not own this account. The account number is also different than the account number that XXXX is reporting while XXXX has already removed this account due to its inaccuracy. The balance information is also different than the balance I have with the original creditor. Remove this inaccurate information from my consumer report immediately. Attached is the bill of sale and my credit report.
Consumer complaint received 2023-07-26
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CT)

I received a fraudulent invoice to my PayPal account for {$410.00} supposedly for a renewal of an antivirus software. There was a number to call for customer service, and it became clear that they wanted my PayPal information in order to scam me. 
Fraudulent email was from XXXX. 
The number listed on the fraudulent invoice was XXXX ( XXXX ) XXXX
Consumer complaint received 2020-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2019 someone used my debit card and said that a certain number of money was missing from the account and Bank of America placed a temporary credit on the account and the scammers removed it and before the dispute can be found. My email and my account was comprised.
Consumer complaint received 2020-04-12
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: PENTAGON FEDERAL CREDIT UNION (MI)

On XX/XX/XXXX I opened my Credit report and found unauthorized inquiries on my report. I don't know where they came from and I have no knowledge of them. Please correct this error. 

Thank you
Consumer complaint received 2023-07-27
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. (OH)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Reporting and Violation of Rights under the FCRA Dear XXXX, I am writing to file a formal complaint against TransUnion and XXXX for their inaccurate reporting, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 USC 1681 ( a ) ( D ) ( 2 ) ( a ) ( I ), the agencies have included transactions between myself and the persons making the report, which is prohibited by law. 

The following accounts have been inaccurately reported : 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 This inclusion of alleged transactions without proper investigation is a violation of my rights under the FCRA. I request a thorough investigation by the Consumer Financial Protection Bureau and appropriate action against TransUnion and XXXX. Additionally, I request the removal of the aforementioned accounts from my consumer report. 

Enclosed are relevant documents supporting my claim. Please contact me if you require further information or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

My XXXX  and equifax credit report show that they are using a 3rd party XXXX  XXXX to verify a bankruptcy on my credit report. This is a violation of the fair Credit report act. There are errors in this report. I have contacted the courts ( letter attached ). They have not verified any of this information with XXXX or Equifax. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies.
Consumer complaint received 2019-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$160.00} -This is not my account.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ALLY FINANCIAL INC. (TN)

I entered a XXXX managment program with XXXX XXXX XXXX. They have sent a payment to XXXX and they processed the payment. They are now calling me harassing me about " past due '' amount which should not be. They accepted the check therefore they should have changed the payments and not charged me a late fee. They also should not be calling me.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

When attempting to get an Experian credit report from XXXX, which is required to work by law, I get the following message : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX  Request form. 

XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I reported my debit card lost There was undisputed charges At the amount of XXXX I did not have the debit card in my possession At the time of those purchases it was lost and never seen again by me I disputed the claim and later turn down as they claimed it was authorized transactions after I told them I lost the debit card that night
Consumer complaint received 2020-04-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.
Consumer complaint received 2023-07-27
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Costco Anywhere XXXX  Account XXXX XXXX Billing Inquiry Attn : Customer Service To Whom It May Concern : I am rewriting as there was no response to my letter dated XX/XX/XXXX ( copy attached ). 

In reference to the XXXX Statement ( page 2 of 3 under Account Summary, attached ), {$690.00} was charged as " CREDIT REFUND AS REQUESTED '' dated XX/XX/XXXX, and this amount was added to three other transactions : {$12.00}, {$160.00}, and {$34.00} to make the total purchase amount of {$900.00} under Account Summary Purchases on page 1 of 3. 

However, as agreed to by your billing specialist in the chat room dated XX/XX/XXXX ( attached ), I believe this is an error as the credit refund should not have been added to the total of my other transactions. This credit refund was to correct a previous overpayment that I had made to Citi. 

Please let me know if you require any further information from me, and if you can please update the relevant statements immediately before the next statement due date on XX/XX/XXXX to reflect the correct balance due of {$210.00}, I would greatly appreciate it. 




Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Attachment : My Letter dated XX/XX/XXXX Citi Bank XXXX Statement Screen Shot of Chat dated XX/XX/XXXX C : Consumer Financial Protection Bureau New Jersey XXXX XXXX XXXX Attorney General XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2023, and XX/XX/2023, I contacted XXXX XXXX regarding a wrong or an error late payment reporting. After the representative transferred me to the manager in charge. He stated that the payment by ERROR was skipped the previous month, and got applied to the next or following month. Since you've never been late, and you have a great payment history. I would suggest you only way for resolution is to contact the credit bureau reporting this mistake by ERROR in this case EQUIFAX. I have NEVER been late and may payment history is always on-time and current.
Consumer complaint received 2023-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Please be advised that the final account statement in the amount of {$4600.00} shall be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/2023. As such, I submitted a notice to vacate on XX/XX/2023. Under the Texas XXXX XXXX XXXX, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations XXXX be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas XXXX XXXX XXXX broadly prohibit XXXX in rental dwellings.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.