davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

This complaint is in regards to Weltman, Weinberg, and Reis, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX who are representing XXXX XXXX  as a debt collector. In a hearing held on XX/XX/XXXX, Weltman, Weinberg, and Reis agreed to settle the debt for {$2600.00} with {$1100.00} paid from a XXXX XXXX  transfer leaving a total of {$1500.00}. We were then advised to make monthly payments of XXXX dollars per month that increased to XXXX dollars per month beginning XX/XX/XXXX. We have been sending money monthly and while not always able to pay the XXXX per month we have diligently sent in a payment of at least {$50.00} every month. Since this judgment, I have paid a total of XXXX, which should leave a balance of {$500.00} at this time. I received a letter from Weltman, Weinberg, and Reis dated XX/XX/XXXX that outlined the judgement, the amount owed, the amount payed, and the remaining balance of XXXX. In this letter there is no mention whatsoever of additional interest and fees. After missing a payment in XXXX of XXXX due to loss of employment from the Corona Virus, we received a letter from Weltman, Weinberg and Reis dated XXXX, XXXX with a noted balance due of XXXX. Seeing this balance, which is more than the agreed upon settlement, led me to call Weltman, Weinberg, and Reis. I spoke with a representative on Monday XX/XX/XXXX who informed me that we were being charged interest and there were also court fees in the amount of XXXX applied to our balance. The representative was not able to provide me with a balance as a start number from in XXXX of XXXX. I was led to believe that number was the agreed upon settlement balance of XXXX. 

Not only did Weltman, Weinberg, and Reis not act in good faith but they deliberately set us up for failure of repaying this debt. While we have been making payments each month the total has been increasing unbeknownst to us. The total is now almost double what we originally owed, and while we thought we were close to paying off our debt we are now even further in debt. We have never received any type of statement from Weltman, Weinberg, and Reis demonstrating our payments, informing us of the interest applied to the amount, and that the balance has continuously gone up due to the interest or whatever other fees have been applied without our knowledge. We feel we are owed at least an adjustment to our balance accordingly due to Weltman, Weinberg, and Reis not acting in good faith and being deliberately obscure with and withholding the details of our repayment. 

Thank you for your time and consideration of this matter. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2020-07-31
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: Sequium Asset Solutions, LLC (AL)

There are incorrect bills being reported to my credit. 1 ) XXXX XXXX  2 ) SEQUIUM ASSET SOLUTIONS, ( a debt collector for XXXX XXXX XXXX The debts are a result of Identity theft previously reported to the above creditors yet they have not removed the accounts from my credit report. I have also previously supplied creditors and the credit companies with information regarding this ID theft and they have failed to properly investigate, remove or stop reporting incorrect collections on my credit report. I have been trying to purchase a home but I can not due to the fraudulent accounts.
Consumer complaint received 2020-07-31
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 — Was not notified of investigation status or results
Company: Specialized Loan Servicing Holdings LLC (GA)

I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

My account had fraud in XXXX of 2020 After my car was broken into. I Immediately contacted Chase to report what happened. A week later whomever stole the bank cards and ID went to several chase drive thru banks and presented my ID along with hand written withdrawal slips that Chase provided the account number for. A total of 21 transaction were made to 5 different accounts in which Chase tellers provided the thieves the account number to each account. Then I opened a new account ... .they gave that account number to the thief again. THe executive office got involved I eventually got my money back a HUGE inconvenience and so violating.

Today I open my mail only to find that this has happened again. Luckily I moved my money from chase be cause I can not trust them, however they were able to deposit a forged check then do a withdrawal slip with a signature of XXXX XXXX and Chase gave them the funds and my account again, I had to get a new identification number in which I took to chase ... ..How does this happen PURE NEGLECT from CHASE.

I have included the police report and the most recent withdrawal transaction. This is just not acceptable.
Consumer complaint received 2020-07-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX  XXXX XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My complaint is with Trans Union not getting my credit report correct!!! Ive been trying for months!!! I filled bankruptcy in 2019 and was discharged XXXX  2019!! I keep 2 joint credit cards with my wife!! XXXX  XXXX XXXX and XXXX XXXX which Both are open and upto date, NEVER CLOSED!! Ive got those onXXXX but cant seem to get them Both on Trans Union. If you could help, Id greatly appreciate that THANK YOU
Consumer complaint received 2020-07-31
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. (NY)

On XX/XX/XXXX I purchased tickets for {$150.00} on XXXX through XXXX. The flight was for XX/XX/XXXX returning XX/XX/XXXX from New York to XXXX, NC. On XX/XX/XXXX I received notification from XXXX that my flights were cancelled and that new flights were offered on the same days but going to Georgia, then Carolina. I did not accept these flights and was issued a credit/voucher. When I discovered it was impossible to get someone from XXXX on the phone as they would not accept calls from anyone who did not have a flight within 48 hours I filed a dispute on the charge with Citibank as I made the purchase with their " Citi Simplicity '' card. I provided them with the emails showing my original flight that I booked, the changes and cancellations made by the airlines and the enforcement notice made by the Dept. of Transportation on XX/XX/XXXX stating that airlines are required to issue a refund for flights that are drastically changed or cancelled. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX After several months of back and forth with Citibank they are now telling me that the merchant, XXXX, will not return the  funds and that they are not going to absorb those costs. Citibank will have no issue going after me for the money and sending my account to collections if I do not pay but they have no interest in getting their money from XXXX when the government mandates clearly that the airlines are required to refund customers in such cases?
Consumer complaint received 2020-07-31
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 (WA)

On XX/XX/2020, my credit card account at Wells Fargo was closed due to reasons unknown. I've made 100 % of my payments on time and have had the account for many years. Wells Fargo did not send me any notifications that my account would be closed and gave me ZERO notice. I tried calling Wells Fargo 4+ times over the past couple of days to figure out what happened and each time I was forwarded to a number that would put me on hold for 25 minutes before ending the call and hanging up on me. This account was one of my oldest credit accounts which made my credit score drop significantly when it was closed for no reason. Now I can not get an apartment lease or mortgage because of the impact it's had on my credit score.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

This account was closed earlier this year by the bank due to inactivity. 
I contacted the bank and told them that all TJX stores and online were closed due to the Covid 19, they still stated that after 6 months of inactivity the account closes. 

They made me go through re-Appling when they had just increased my limit to XXXX. 

Then they open a smaller account with a XXXX limit. 

However on my credit the old account is still showing open. 

I have written to the bank and they have no fixed this. 
I have called and asked for this to be fixed and it still reflects this information. 

This is my car care old card, it sits dormant in dispute mode and need to be marked CLOSED XXXX. 

I have tried endlessly to call the bank to get the credit report entry resolved. I am told they report it and it still shows and unknown status.
Consumer complaint received 2019-06-28
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. (GA)

I am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX )
Consumer complaint received 2023-02-13
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. (NC)

XX/XX/2023 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Certified Mail Receipt # : XXXX It whom it may concern, I agree to pay the following financial obligation regarding account numbers # : XXXX, XXXX, XXXX and which I might lawfully owe on one condition : Within 15 days of the date of this Conditional Acceptance sent certified mail receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both XXXX AND XXXX XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The XXXX number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.

C.C. - ARTICLE 3 3-301. Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX XXXX : XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2019-06-27
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. (CA)

To ordinary persons, a bankruptcy discharge is commonly known as " a court order issued at the end of Chapter XXXX or Chapter XXXX case that relieves a debtor from their obligation to pay a debt. '' Nothing in Bankruptcy Court Case No. XXXX, even remotely suggests a bankruptcy discharge happened in that case. The only response XXXX has provided is " a bankruptcy discharge remains on the credit report for up to ten years '' per the companies policies.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The credit bureau XXXX and XXXX is failing to remove all of the incorrect items from my consumer report after receiving several rounds of dispute letters from me. They also claim that they can not verify who id sending the letters after receiving documents containing my identity attached to the letters.
Consumer complaint received 2020-05-29
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: NAVY FEDERAL CREDIT UNION (MI)

I took out a credit card to pay a lawyers fee for my divorce in XXXX. I used {$2500.00}, I believe. I paid dutifully on this credit card every month for over 15 years. The credit union stated that I still owed {$1100.00} when I stopped working and missed a payment and the account was taken off of my account online. I have been taking care of my mother for the last few years. I have had very little income during this time. The credit union wanted me to pay the balance but I could not afford to do t his. I spoke to them and complained about the amount I had paid on the original debt, It was 10 times what I borrowed and I had no money to give them. I recieved an unemployment check for {$4000.00} due to Coronavirus measures, and they took the full amount out of my account and refused to return the funds. We need this money badly. I had debts that needed to be paid immediately, we needed food and bedding and clothing and household equipment replaced. I asked them to make a payment arrangement with me instead, but they refused. I believe this is illegal to take a large amount from relief payments. I would like this money returned to me. If needed, I can pay the {$350.00} they offered XX/XX/XXXX, but can not afford to have the full {$1100.00}, and further do not believe it is fair for them to withdraw this without any notice. I will only go further into debt due to this withdrawal. Please help.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (KY)

Hi there, I was recently hit with a 30 day late payment on my credit report. Due to the corona virus affecting my business I had to switch banks from XXXX to XXXX XXXX XXXXXXXX. It appears that my auto pay was turned off ( when I spoke with the representative she said that I manually turned it off on the online website, which I do not remember doing this. ) Due to the chaos of the current epidemic I traveled quite a bit to ensure the safety of my family and was unaware that my bill did not go through. If I had known this, I would have paid right away. As you can see on discovers payments, I paid as soon as I got notified that there was a late payment on my report. Switching banks added to the chaos. If you check the recent payments with Discover, every payment has been paid on time and I would like to ask that you remove this late payment from my report. 

Thank you, - XXXX
Consumer complaint received 2020-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently discovered unauthorized credit inquiries on my Transunion credit report. I contacted TransUnion about the credit inquiries in question, and I was told I needed to contact the creditors directly to get them removed from my credit report. I contacted each of the creditors as instructed, but was told that they did not show any inquiries being made with my personal information on their end, and to contact TransUnion to have the inquiries removed from my report. I contacted TransUnion and informed them of what the creditors told me. TransUnion told me the that I would have to file a police report and mail it to them if I wanted the credit inquiries removed from my report. I filed a police report as instructed, and sent TransUnion a copy, along with a letter disputing the unauthorized credit inquires. I mailed the requested information to TransUnion via certified mail on XX/XX/2020, and they still have not removed the unauthorized credit inquiries from my report.
Consumer complaint received 2020-05-29
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: Midwest Recovery Systems (MI)

Midwest Recovery Systems is fraudulently attempting to collect a debt in the amount of {$730.00} it purchased from XXXX XXXX, XXXX in XXXX. On several occasions, Midwest Recovery Systems has illegally placed this account ( ending in XXXX ) on my credit reports by using fraudulent, illegal and unfair debt collection practices such as negative re-aging of debt, breaking the statute of limitations in the State of Michigan, communicating false credit information and failing to disclose that I have disputed this debt on several occasions. 

XXXX XXXX, XXXX is not a licensed lender in the state of Michigan, according to the Michigan Department of Insurance and Financial Services. 

Between XXXX-XXXX, my attorney successfully worked with the three credit bureaus ( XXXX, XXXX, and XXXX  ) to get the Midwest Recovery Systems/XXXX XXXX account removed from my credit reports. 

Years later, in XX/XX/XXXX, Midwest Recovery Systems fraudulently placed this account on my credit reports again causing me further harm by damaging my credit during the COVID-19 pandemic, one of the most devastating times for Americans in the history of our country. 

Once again, I have filed disputes with the credit bureaus to have this account removed from my credit reports in an attempt to reverse the damage caused by Midwest Recovery Systems. Additionally, I will be seeking legal counsel and filing complaints with the XXXX  and FTC if this account is not removed from my credit reports promptly. 

I would like to settle this matter without litigation. However, if Midwest Recovery Systems continues to cause me and my family harm with their fraudulent, illegal, and unfair practices, I fully intend to invoke my rights as an American citizen and leverage the judicial system.
Consumer complaint received 2020-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MD)

I purchased my home XX/XX/XXXX during XX/XX/XXXX when the federal government shut down I was unable to pay my mortgage so the federal government ordered that mortgage companies couldn't report adverse reports to the credit bureau because people couldn't make their payments so the mortgage holder put me on a forbearance and stated " they wouldn't report me to the credit bureau for missed payments, LIE they reported me and when I applied for a new mortgage to purchase a new home my credit score went down tremendously, so again this year when the COVID-19 pandemic occurred there was another law that mortgage holders couldn't report any bad information about payments but again my mortgage holder is reporting me as being LATE which adversely affects my credit score. I have the document showing that I have no payment due from XXXX, XXXX AND XXXX. I was promised on numerous occasions that the forbearance wouldn't affect my credit and that I would be reported as 'paying as promised ' and paying on time. even by my relationship manager that is handling my account.