davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (OH)

In XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX with my mother and Ally Financial is the bank loan holder. But, when I printed my XXXX  Credit Report No. XXXX I had to dispute a record under regular inquiries for Ally Financial dated on XX/XX/XXXX, XX/XX/XXXX with the permissible purpose : " AK SOCIAL SERVICE/WRITTEN AUTH/INVESTGT FRAUD. '' I have not committed fraud, and I have spoken with both the credit bureau and the bank Ally financial. They both said they didn't do it, then XXXX   instructed me to request a letter from the bank which I have submitted as certify mail. Photos are included. It's been over 45 days and I need this to be resolve at once. They took 83 points and the others bureau as well deducted points about the same. I feel I wasn't treat it fairly and truthful because last time I spoke with someone in XXXX Credit Bureau, they said they were removing such record from my report and return my points back ; but, when I printed my report today XX/XX/XXXX, that record still there. PLEASE HELP!
Consumer complaint received 2020-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute regarding the incorrect items on my credit report, it has be well over 30 days. And I have not received any Investigation results.
Consumer complaint received 2022-11-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NC)

was on covid forebearance for my mortgage. it ended on XX/XX/XXXX XXXX by XX/XX/2022 i was told my house was in foreclosure for lack of payment. was never called or giving any indication this would happen. by law midland mortgage has got to inform you of options before they proceed with a foreclosure and give options for getting back on track. they did none of this. I've been in communication with Midland on the XXXX of XXXX to try to rectify this situation but was told by another company that has been calling me that Midland has set up a short sale of my home on XX/XX/XXXX XXXX if that's not unfair practices then i dont know what is
Consumer complaint received 2019-08-31
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. (DE)

I sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). XXXX, in particular, has also failed to correct my name on my credit report. Experian continues to display variations of incorrect names of other people, and XXXX has submitted their responses late after 30 days on two occasions.
Consumer complaint received 2019-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX of XXXX, I was a victim of a scam where my email : XXXX, my phone, and my computer were hacked into and I was being taken advantage of by scammers who had infected my electronic devices with a virus. I was unable to signing to my email, and I received a message from XXXX saying that XXXX couldn't verify this account belongs to You. anytime that I was trying. I was being threatened to provide XXXX cards in order to resolve my email issue as well as the phone malfunction. I purchased multiple XXXX cards and had to provide those number to the scammers. once I understood the fact of being a victim. I contacted bank of America to stop payment on the XXXX cards since I purchased most of them using the BOA Debit cards. I was told that an investigation was going to be done. I recently received on XX/XX/XXXX of XXXX a claims number # XXXX by phone while I went to bank of America Financial center in XXXX XXXX XXXX, XXXX, FL XXXX but there was No follow up in this issue. 
The card was in my possession at all times and I purchased the XXXX cards with the hope that my email password were going to be restored by paying those fees, furtheremore ; I had no control of my email account. my computer, my bank account information was compromised as well. I could not access my account subsequently, in XX/XX/XXXX of XXXX the account was closed and I was issued a new Debit card. on XX/XX/XXXX. I purchased XXXX XXXX cards {$500.00} each from XXXX and {$500.00} Cash redraw from Debit card, and one transaction for {$200.00} at the XXXX. At the time when I reported that I was a victim to the Bank of America. the payment could have been denied.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (ID)

No longer receiving paper from Citicards.com statements as of  XXXX   XXXX , 20017. Consequently we were assessed late fees and a higher interest fees ( 29.9 % ) than we agreed upon.     Customer service ( in the  XXXX    ) telephone discussions were unintelligible and prolonged. Many conversations had to be ended due to inability to understand their spoken words.
Use of multiple verbal labels used by the CITI service rep 's to describe interest fees, late fees and service charges.
Consumer complaint received 2020-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

law saids they have 30 days its been 35 days remove the ftc violations two capital one bnak all inquires XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX   XXXX
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (FL)

I currently ow e American Education Services over {$ 150000.00} in student loans, my monthly payment is {$980.00} a month. I have tried numerous times to lower my payment, or come to an agreement with them since there is no way that I will ever be able to pay this back. Currently I have had to borrow money monthly just to make payments. I even tried an income based payment but they do n't offer those programs.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I have been paying off my debt for past year. Making 13 payments in 12 month period and about 150 percent above min. payment. Last month i saw that i had late payment. 
since i been paying on 4 week basis i made ( 2 ) payments in XX/XX/XXXX and XX/XX/XXXX for XXXX. but they counted is as XXXX payment and issues a late fee. I talked with them and they would not wave a payment. 

The bank is XXXX  XXXX Master Card  XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX My name is XXXX XXXX
Consumer complaint received 2019-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CT)

I spoke to the company and provide documentation that I had other insurance. I filed a small claims writ and summons against the company to appear in court. The company never sent a debt validation or any policy documents obtaining my signature of insurance acceptance from progressive which is mandatory by state laws.
Consumer complaint received 2020-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: U.S. BANCORP (WA)

I have been a US Bank customer for over 10 years. I use online banking for bill paying & transfers. 

They want to verify my identity online and they WILL ONLY DO THAT BY TEXT. 


I DON'T TEXT. I SHOULD BE ALLOWED NOT TO TEXT. THIS IS NEW - I DON'T USE MY CELL PHONE EXCEPT FOR EMERGENCIES. 

I AM XXXX AND SHOULD HAVE THE RIGHT NOT TO TEXT!!!!! 

NOW I HAVE TO GO TO MY LOCAL US BANK AND GET THIS CHANGED OR CHANGE ALL MY ACCOUNTS TO ANOTHER MORE CONSUMER FRIENDLY SENIOR BANK.
Consumer complaint received 2019-08-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (FL)

Multiple calls during the day from Credit Corp solutions inc saying they were collecting a debt. I do not answer the call anymore. I have never received anything Stating I owed a debt. I was notified by attorney advertisement that Credit Corp Solutions inc has a lawsuit against me through small claims court. I have not received anything from the courts. I also do not see this company on my credit report as a debt.
Consumer complaint received 2019-09-03
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: Klarna AB (CA)

On XX/XX/2019 I received a notification from my credit card company that a hard inquiry was done on my credit report. I have not authorized this company to pull my credit. I do not recognize this company. 
Klarna/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CURO Intermediate Holdings (TX)

On XX/XX/2019 Speedy cash withdrew XXXX from my account. And I did not give them authorization to do so. They need to show a present contractual obligation for them to do so from that account. This is theft, if you take something that you don't have authorization to receive. Shame on you speedy cash.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo complaint I was seeking {$1000.00} - this offer is good until Tuesday XX/XX/2019 on the XXXX of XXXX the amount will go up to {$5000.00} due to that fact Wells Fargo send a incomplete and misleading or false report to me and the federal agency XXXX
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NY)

XXXX  XXXX XXXX credit card issued by Comenity Bank has billed me for items I have did not receive. The items were stolen from a purchase I made online. When I picked the order at store I was given a partial order. I reached out to XXXX XXXX via online customer service and they told me to go back to store to get credit for stolen products I did not receive. It is outrageous that they send me back to the store as if it is located around the corner. If I ordered online the credit should have been applied. Since my first contact with company I DID NOT receive any bills my mail and/or other contact, which contributed to me overlooking any outstanding charges. The bank immediately placed a 30 day lateness on my credit and affecting it with a 80 point credit drop. I have tried to rebuild my credit and you may see that I have especially with several of my Comenity Bank issued credit cards. 
I would like the proper credit to my charge card and the removal of the late payment ( s ) they have applied to my credit report. They have stolen items my order and have credited my account properly.
Consumer complaint received 2019-08-31
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: EQUIFAX, INC. (FL)

I have incorrect information on my credit file as a result of identity theft : EQUIFAX HARD INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX, FL XXXX ( MAI ) L O-NLY COLLECTIONS : - XXXX XX/XX/XXXX {$360.00} - None provided - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX HARD INQUIRIES : - XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX - XXXX XX/XX/XXXX XX/XX/XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX, OH XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

InXX/XX/XXXXanaccountwasremovedfrommycreditreportasitwasnotmine.NowinXX/XX/XXXXallofasuddenitreappearswithoutthe5dayreinsertionlettertheyaresupposetosendme.8monthslatertheyputitbackonTransunion.Isentthem3lettersstatingtheydidntnotifymewitha5dayletterpertheFCRAandthecompliancelawsandtheystillwonttakeitoff.Ineedthisaccountremovedperthereinsertionlawasitwasremoved8monthsago
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

I have a complaint aga inst Weltman, Weinberg & Reis , Co, LPA a  debt collection firm. My husband had a judgement entered against him for a credit card debt owed to  XXXX  cards. On  XXXX / XXXX /   2017  a execution for attachment was ordered to collect on the debt. On  XXXX / XXXX / 17  a attachment/interrogatories was served to  XXXX   XXXX   XXXX   XXXX , where my husband an I own a joint account .At this time  XXXX   XXXX   XXXX   XXXX  froze our joint bank account ( at this time the law firm was contacted and offered to settle the debt but was denied ) On  XXXX / XXXX / 17  the Interrogatories was answered and returned with a Certificate  of Service and  is on file at the  XXXX   XXXX   Prothonotary 's  office. My complaint is this judgement is solely in my husbands name, and from my understanding under Pennsylvania law a joint bank account falls under the " tenancy by the entireties '' and because the judgement is not in both our names the account can not be frozen. I have contacted both  Weltman,   an d Weinberg & Reis , Co, LPA an d  XXXX   XXXX   XXXX   XXXX  on this matter. I waited to contact  Weltman and Weinberg & Reis , Co, LPA to gi ve them time to resolve the issue, however the account remains frozen. I contacted the law firm on  XXXX / XXXX / 17  and was told they were in contact with  XXXX  and the issue was being resolved, however, this was not the case, as I spoke with bank manage the same day. The law firm had also issued a attachment/interrogatories to  XXXX  other banks,  XXXX   XXXX  and  XXXX  bank, which neither of us have accounts with. On the same day  XXXX / XXXX / 17  the law firm did contact the  XXXX   XXXX  prohonotary 's office and had the attachment discontinued on the  XXXX   XXXX  account only. I have tried to make contact wi th Weltman and Weinberg & Reis but they will not return my call. Any help in this matter is appreciate d.
Consumer complaint received 2020-03-09
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: Mar Joe Enterprises (MI)

I have tried over 5 years now to rebuild my credit and my name from fraud someone using my name and credit. I have called every credit bruea and debt collectors but they have not done anything about it and the debt collectors told me well its my information when i wouldn't be of age to legally use my credit or name on anything but they still took money that i have worked hard for because of someone using my information. I have called the credit bruea and they have out a freeze on my credit but it still hasn't stopped it from happening. I have been fighting for my name and credit since 2007. I cant even get approved for a Secured card because of it. Please help me. Thank You
Consumer complaint received 2020-03-09
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. (MI)

One student loan is reporting THREE times with THREE different balances. I acknowledge ONE of the THREE accounts that was transferred to another company with the balance of XXXX. These other remarks with the same account number are inaccurate.
Consumer complaint received 2020-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

XXXX XXXX ( PayPal name, Email : XXXX, Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, United States, Phone Number : XXXX ) bought a jacket from me and the transaction was done through PayPal on XX/XX/XXXX ( Transaction ID XXXX ). Our conversation initiated on XXXX, an online shopping app. He then asked me if I want to do the transaction on PayPal instead. The transaction was fine until XX/XX/XXXX when he issued a claim on PayPal, stating that the jacket was not as described. He wore the jacket and then resale to someone else. The next buyer found the jacket was worn and asked XXXX to return. Hence, ScottY file a claim through PayPal to return the jacket. PayPal decided to reject his claim after going through the case and details. However, they finally charged my money back because XXXX XXXX issued a dispute to his credit card bank. The bank took the money back from PayPal and PayPal had to take the money back from my account. PayPal said the only thing I can do now is to wait for the decision from the issuer 's bank or to sue him. 

I found this case a total fraud as XXXX XXXX himself was wearing the jacket after he received it from me, according to several pictures he posted on social media. Also, there can't be any damage as he described because when he posted the jacket online for sale, he said it's brand new and no damage at all. He also mentioned the Jacket is brand new with no wear and no issues. 

Please find the essential evidence of my original XXXX post, screenshots of our conversation, pictures of him wearing that jacket, screenshots of his online shop posting the jacket and PayPal solution.
Consumer complaint received 2017-05-01
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. (NJ)

XXXX   XXXX   XXXX   From :  XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , NJ  XXXX  To : Experian   XXXX   XXXX    XXXX   XXXX , TX  XXXX  Credit Report Number :  XXXX  Attn :  XXXX   XXXX  Dear Experian : I received a response to my dispute on   XXXX   XXXX   XXXX   in regards to a bankruptcy that is currently being reported on my credit report.     I advised you that you were reporting unverified information on my credit report and you even agreed that even though the court does not report the information, that you may collection this data through the courts public records. What you failed to do is advise me of how exactly you did this or if you used a third party.      XXXX  recently was sued and a part of a class action settlement because they were listing the names and address of the courthouses on credit reports as the true source of its public records when this in fact was not true. Therefore, they had violated the Fair Credit Reporting Act by not only reporting unverifiable and inaccurate data, they lied about what the source of the verification was.     Now you, Experian, are doing the same thing and I am wondering, if I contact the same attorney,  XXXX   XXXX   XXXX ,  XXXX  to see if they can assist me in this process and if this is around the same thing that  XXXX  did.     You are reporting the court address on my credit report as US Bankruptcy  Court,   XXXX , NJ  XXXX  even after verifying the bankruptcy. You even supplied me with a copy of the  XXXX  from the court that shows the address of  XXXX   XXXX   XXXX   XXXX ,  XXXX , NJ  XXXX .     Now here is the problem, you verified an account with an address that is clearly incorrect. I   XXXX   the address you have on my credit report and although some searches came up for the courthouse in  XXXX , it clearly shows this is not the address for the court and such address does not exist. You even listed the zip code as  XXXX  and when I   XXXX   that, it showed it belong to  XXXX   XXXX ,  XXXX . Cleary this should raise some red flags.     Next on the list that proves you violated the FCRA is the you list the  Claim Amount a s {$0.00} and  Liability Amount as  {$0.00} when it clearly shoes on the Voluntary Petition that you provided me that the Estimated Assets which is the Claim Amount is between {$50000.00} to {$100000.00} and the Estimated Liabilities which is the Liability Amount is between {$100000.00} to {$500000.00}. This again proves that you verified inaccurate information on my credit report.     Then, the report shows a date of   XXXX   XXXX   XXXX   but the status of the account says that This item remained unchanged form our processing of your dispute on   XXXX   XXXX  . This assured me that no investigation was really conducted which was in fact a violation of the FCRA.