davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AmeriCash Holding LLC (IL)

I took this loan out on XX/XX/XXXX, I was fired from my employer on XX/XX/XXXX and did not receive any unemployment benefits. After losing my job I was diagnosed with severe XXXX on XX/XX/XXXX I was not able to work due to my XXXX. I was able to call and attempt to negotiate on XX/XX/XXXX which was unsuccessful. After paying off in full all the previous loans I had with this lender they continue to charge me interest after calling in to inform them of my unemployed state. I remained unemployed until XX/XX/XXXX I am currently playing catch up on past due bills that accumulated from being unemployed and battling XXXX for almost tow years. AmeriCash Loans customer service department is rude, uncouth, aggressive people I had to request to speak to a supervisor and spoke when I did it was s supervisor Ms. XXXX, to offer a one time settle payment offer to pay-off the loan # XXXX for {$780.00} She wanted me to settle the debt for {$2500.00} which I declined. I only wanted to pay the amount I did borrow {$1700.00} and asked to settle the debt for {$780.00} Ms. XXXX refused my offer and stated I need to make a payment arrangement to pay additional {$4200.00} which is all late fees and interest. After being a long time customer of AmeriCash Loans I just informed her I will not be working and would only be able to make this one time payment of {$780.00}. The reason I am reaching out to your offices is to see if you can speak on my behalf to only pay the original amount borrowed I paid {$780.00} of the {$1700.00} meaning the remaining amount due would be {$920.00} which I am readily to agree to pay that amount to be officially finished with this rude and unprofessional lending company. so I can no longer have this debt hanging over my head. I have suffered from XXXX  from this aggressive and over charging interest fees pay day institution constanting harrassing me for payment I can not afford I take care of a XXXX XXXX and physically challenged parent who needs me to pay her bills which is over {$2000.00} a don't make enough money currently I as of XX/XX/XXXX but do not get enough income to pay these outlandish fees. Please help me make this offer to pay the {$920.00} balance from the original amount borrowed. I have the payment confirmation number # XXXX for the {$780.00} I paid. Its been over a year and I want to be completely done with this horrible money-grubbing predatory loan lender. I will submit a request until I get some kinda of resolution that is fair and reasonable
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (GA)

Greetings, funds were posted on my card but the ATM says ... " Transaction Cant be made at this time. '' XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a new card ( unrequested ) and directed funds to be put on this new card. I activated it in XXXX and used it successfully. Now traveling in XXXX, my card is not working. So hear this : When I call # on back of card and goin through all the prompts, a voice says ... " we experiencing extremely high volume call back ''. Just tried at XXXXXXXX XXXX and got the same message after about 15 attempts at different times. Anyone experiencing similar problems or can give solution? Thanks ... and I know bout changing card companies. DM or XXXX XXXX Running out of patience bout my own money. IMPOSSIBLE TO TALK TO A LIVE PERSON ABOUT THI MATTER.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc. (GA)

I am writing to file a formal complaint regarding M & M CREDIT placement of a collection on my XXXX, XXXX, and XXXX credit reports without any prior contact. It was not until XX/XX/2023, that I became aware of this collection, as I had no prior knowledge or communication from M & M CREDIT. Upon reviewing my XXXX, XXXX, and XXXX credit reports on XX/XX/2023 ], I discovered the presence of a collection account placed by M & M CREDIT. 

This collection account came as a complete surprise to me, as I have not received any correspondence, notification, or communication from M & M CREDIT regarding this alleged debt. I have no knowledge of any business or financial transactions with M & M CREDIT. Placing a collection on my credit reports without any prior contact not only violates standard debt collection practices but also potentially harms my creditworthiness and financial well-being. It is crucial to address this issue promptly to ensure the accuracy and integrity of my credit reports. 

I kindly request the Consumer Financial Protection Bureau 's intervention and assistance in this matter. I urge you to investigate the actions of M & M CREDIT, ensuring compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Specifically, I request that you : Verify the legitimacy and accuracy of the collection account placed by M & M CREDIT on my XXXX, XXXX, and XXXX credit reports. Determine whether M & M CREDIT has complied with the necessary requirements for debt collection, including providing proper notification and validation of the alleged debt. 

Take appropriate action to rectify any potential violations or inaccuracies related to this collection account. Ensure that M & M CREDIT ceases any further reporting or collection activities related to this alleged debt until the matter is fully investigated and resolved. 

I have enclosed copies of my XXXX and XXXX credit reports reflecting the reported collection account from M & M CREDIT. Additionally, any supporting documentation regarding my attempts to contact M & M CREDIT or request validation of the alleged debt is also included for your reference. I kindly request that you keep me informed of the progress of this complaint and provide updates on any actions taken or resolutions reached. I appreciate your immediate attention to this matter. Your efforts in protecting consumer rights and ensuring fair and ethical debt collection practices are greatly valued. Thank you for your assistance.
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: OneMain Finance Corporation (CA)

XXXX Called my family and threatened to come to their work to serve me ( illegal ) its all recorded this person never called me, so I blocked My number and called the XXXX number- somehow she guessed it was me and new my last XXXX of my social. She said one main financial and that I defaulted On an XXXX XXXX  ( never ever did ) and then got hostile when I said Send verification of this debt to my address the said oh so you work for XXXX XXXX, Said no and she yelled oh hahha gotcha it is your debt, you used to work there and i said nope, verify its my debt, she then said she was going to send me to XXXX  and I said Ok send the sheriff and she said oh thats what youre getting youre getting a uniformed officer and hung up! Im also filing a police report for harassment
Consumer complaint received 2020-10-03
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: CITIBANK, N.A. (MA)

Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from Macy 's. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-07-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY XXXX REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-07-18
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. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-18
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. (NY)

There are several credit card companies reporting false information to my credit report. As a result of this false and inaccurate information I am having adverse affects. This information being reporting inaccurately is causing my quality of life to be XXXX of dispaear. I am demanding that the following credit card companies immediately remove all of these inaccuracies from my consumer report. 

XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (GA)

1. On XX/XX/XXXX Barclay card charged my credit card an annual fee of {$89.00} 2. Shortly thereafter I called to close the account, and was told that I would receive the annual fee as a refund, but this never happened. 
3. On XX/XX/XXXX XXXX XXXX at XXXX XXXX refunded a room deposit for a reservation I canceled due to CoronaVirus for the amount of {$790.00}, which they refunded to this same closed Barclay credit card account. 
4. Since then I have sent countless emails and made countless attempts to contact them to get these amount refunded to me, however, I can not get through and they do not return my emails. While typing this email to you, I am currently on hold with their automated system, and the timer is showing one hour and ten minutes. 
5. Since they have refused to return my emails and since there is no way for me to contact them, I need help to get both the {$89.00} annual fee and the credit balance of {$790.00} returned to me. 
Needless to say, I am shocked at such behavior with by a major bank, particularly as it relates to XXXX XXXX such as myself who are already suffering enough due to the current environment. They should really be ashamed of themselves.
Consumer complaint received 2024-02-09
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (CA)

I had a 2-year phone installment plan and contract with XXXX. I ordered the phone online and it shipped to my address but we originally thought the device was lost or stolen and not delivered. It turned out it was delivered fine but XXXX still had the device marked in their system as lost/stolen. So 3 months into my contract on XX/XX/year> XXXX randomly dropped my access to my account and said my full contract term of 2 years was due in a single bill. I told them I can not afford 1XXXX XXXX at once and needed the installment plan. XXXX then told me the only way to restart the installment plan was for me to sign a new 2-year contract essentially under duress. I was told to pay XXXX XXXX or sign a new contract even though all the issues I experienced were at the fault of XXXX. They should have made me send back the original device before allowing me to activate my phone and contract ... which their system automatically cancelled after 90 days. An XXXX phone rep then voided my original contract and told me to go into an XXXX store to sign a new contract. After this ordeal I decided to switch to XXXX XXXX and use their contract buyout of XXXX $ to switch to them from XXXX and have XXXX XXXX pay off the switch fees. So after all this I still tried over 20 times to contact XXXX with XXXX XXXX employees trying to port out my phone line and setup payment in full for termination of the debt. I offered to settle the debt many times with XXXX directly but their own phone representatives told me " I do not have access to the account in my name and can not submit a payment for it. '' XXXX essentially had my single phone number and line billed under 2 accounts, 1 of which I could not access to even pay which is the debt they are trying to collect on. So XXXX rolled the 2 year contract debt into a new, false account that their employees setup in my name without authorization and after voiding the initial contract. These account numbers were different than when I setup and started with XXXX, thereby proving their fraud in trying to collect this debt. My original account number was ending in XXXX, I never had an account I authorized ending in XXXX like XXXX is trying to fraudulently to collect under. Below are photos of emails showing my account numbers and times of correspondence I am alleging. I tried to resolve this debt for months before having to move on with life. I also can get a written witness statement from the XXXX store employee who signed up my account.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX, XXXX, XXXX and XXXX reporting loan payments XXXX days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My wife and I applied to refinance our home in early XXXX. Given our payment record, strong credit and recent closed purchases of homes in our neighborhood, we assumed our application would proceed with little fanfare. 

Then we received our appraisal report, which miraculously assigned the exact same value to our home as was determined when we closed on our current mortgage in 2015. This, despite material improvements that have been made to our property, as well as ~15-20 % appreciation in our area since our purchase.

The responses provided by the Valuation Resolution team at Wells Fargo presents evidence that the appraiser & management company are incapable of objective analysis, and likely incentivized to not admit mistakes and errors. 

I believe the appraisal/management review have been done with the intent to cause disparate impact to my valuation and ability to close. 

I have exhausted the appeals process with the bank, and am turning to the CFPB as a last resort. I also plan to complete a complaint with the Uniform Standards of Professional Appraisal Practice ( USPAP )  regarding this issue. 

Thank you for your assistance and appreciate your time in consideration of this compliant.
Consumer complaint received 2023-07-18
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: Paypal Holdings, Inc (MI)

PayPal had a breach in 2022 its public information they are being sued, they still owe me alot of money, I have done most of the work they don't respond to emails very poor communication skills and incompetent customer service representatives it has been awful it added so much stress to me while I was in and out of hospital my identity was stolen due to their breach all my credit cards as well as my husband 's were maxed and the thief also got my bank they did issue some refunds but kept claiming it was my banks responsibility and my bank was saying it was PayPals and I was stuck in the middle so much stress and XXXX phone calls later I'm still out the money which I can not afford and I should be paid for my time my bank was tired of it closed my account in the middle of investigation so I can't get any help from them now so PayPal should be held responsible I just want my money please
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have been a victim of fraud from Bank of America, someone opened an account with my name and social security number and has stolen my identity cause the Bank allowed this to happen. I was also charged high cost also which make me a victim of bad credit, I have to freeze my credit so the thief 's want us my name anymore which I can use either. I called the Bank of America, and they just told me that some kind of investigation was going to happen, but I have not heard anything from them as of now. I'm deeply disappointed. I should be confiscated for my problems and looking for someone to help me with the matter. my email address is XXXX. Please help me with this matter.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (MA)

Hi, In reliance on an XXXX ad by TD Bank ( attached below ) in early XXXXXXXX 2023, I applied for and received a TD Bank XXXX credit card. This credit card offers 0 percent interest for 18 months. I then downloaded the TD Bank app so as to be able to do a balance transfer, but each day when I check about doing a balance transfer, the page indicates that no balance transfer offers are available. 

I wrote to TD Bank on both XX/XX/2023 and XX/XX/2023 to inquire as to why I do not have any availability to take advantage of the 0 % interest rate for 18 months by doing a balance transfer. The only response I received, on XX/XX/2023, was a generic one, indicating that they would look into the matter. I have not heard back since. In my opinion, I consider this to be false and misleading advertising, and in essence, resulted in a bait and switch in order to lure me to apply for and receive this credit card. I refused to make any charges on this credit card because the sole reason I applied for and received this credit card was to take advantage of the 0 % interest rate for 18 months as had been advertised. 

I hope that you investigate this matter and determine whether TD Bank has been fraudulently misrepresenting the terms of its XXXX credit card, to the detriment of consumers in Massachusetts and elsewhere. Thank you very much for all your help. 

Please feel free to contact me with any questions or comments : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX, cell phone number XXXX.
Consumer complaint received 2023-07-18
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (OH)

I have been trying to rectify a collection account on my credit report for over a year and I am at my wits end. I originally had a XXXX XXXX account with XXXX and was having no issues until the XXXX XXXX. I am now XXXX and was given a payment plan to have my payments reduced in 2020 due to a financial hardship. I made all of my agreed upon payments. At the time my balance was approximately {$3000.00}. After about 90 days, I was told my payment plan was no longer valid and my balance ballooned to over {$10000.00} due to interest accrual. I was informed that I was given erroneous information about how long my new plan would last and was sorry for the misinformation. Soon after, my account was sold unbeknownst to me to another company for collection. I did not authorize my personal information to be given to anyone. There are now 3 companys sending threatening letters and have my PERSONAL information in their possession. The companies are Resurgent, LVNV LLC and now XXXX XXXX XXXX XXXX is sending threatening letters. I understand XXXX charged off this debt and sold this account to these additional predators. This is wrong and I have sent numerous letters to XXXX, XXXX and XXXX to no avail disputing this account from LVNV and the amount owed as I do not know who they are or how they got my personal information. I definitely did not sign any contract with them.