davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (GA)

CBNA allowed a credit card to be opened in my name as a result of identity theft. My credit file was compromised as a result of the XXXX  Data Breach, and many accounts were opened in my name with out my permission or authorization. I have contacted CBNA about this matter and have never been allowed to speak to anyone. Every time I call I have been told that if I did not open the credit card that they would not be able to speak to me. This has been going on for months and they have this false information listed on my credit file. I have again notified CBNA as best I could by phone and I have mailed a letter into their coporporate office and received no response at all. This credit card was opened fraudulently and has nothing to do with me and I have never received or used a CBNA card.
Consumer complaint received 2018-07-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (CA)

Hello, I sold an item ( Item # XXXX ) on XX/XX/2018 via XXXX and provided the correct tracking number ( XXXX XXXX ) to XXXX and the customer. After the sale, I received three frantic emails from paypal saying my tracking number was invalid. I logged in an realized the number was correct and needed no updating. I also realized that XXXX asks for tracking numbers not paypal. I called PayPal and was told that the number was valid but was being seen as invalid for some reason. XXXX was blamed for not transferring the number over correctly. XXXX instructed me to send my merchandise but PayPal froze the funds. I thought that once the item was delivered the invalid number glitch would resolve itself. I contacted PayPal and was told that XXXX was asking them to hold the funds and that a new rule stated that they could not manually release held payments. I called XXXX, XXXX flatly denied Paypal 's statements. XXXX denied holding funds or having rules against manual releases. 
Multiple excuses were given. 

1. " It's a glitch that will be corrected if you update the ( already correct ) tracking number ''. 2. " XXXX is forcing us to hold your money '' 3. " XXXX transferred the tracking number over incorrectly '' 4. " A new XXXX rule prohibits us ( paypal ) from manually releasing funds. 

5. We are not holding your funds.

6. " Just wait until XX/XX/2018 it will be released ''. I was calling them on XX/XX/2018. 

7. We have no ability to transfer your call to a supervisor or an American agent. 

On XX/XX/XXXX I had an XXXX  representative on the phone when I called PayPal. The paypal representative quickly realized blaming XXXX was not going to work so she removed the hold, after a very long wait. I asked her why the funds were held under several false pretenses, she stated that PayPal can randomly hold funds if they think there is a security risk. I don't understand the risk, if it was paid for and a valid tracking number was provided. I feel I was caught in a difficult spot. XXXX is telling me to ship paid for, trackable merchandise and PayPal is keeping the money and misleading me regarding the reason. I am expecting retaliation regarding my complaint. What I thought was an innocent glitch, turned out to be much more troubling. The behavior is both fraudulent and time consuming. 

XXXX XXXX
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Alliance One, Inc. (FL)

ON OR ABOUT XX/XX/XXXX I AUTHORIZED ALLIANCE TO TAKE XXXX A MONTH FOR A PAST DUE BILL. I TOLD THEM IT WOULD BE GOOD UNTIL ON OR ABOUT XX/XX/XXXX RECORDED! 

I FOR GOT TO CHECK IN XX/XX/XXXX TO SEE IF THEY STOPPED TAKING MY MONEY AT XXXX XXXXXXXX. I CHECKED MY ACCOUNT IN XXXX OR XX/XX/XXXX I CALLED ALLIANCE ONE, RECORDED. I TOLD THEM DO NOT TAKE ANY MORE MONIES FROM MY CHECKING ACCOUNT OR MY DEBIT CARD. 

THE END OF XX/XX/XXXX I HAD TO PUT IN A STOP PAYMENT AND REVERSE THE UNAUTHORIZED PAYMENT TOOK BY ALLIANCE ACH TRANSACTION. 
AFTER I TOLD THEM TO STOP THE PAYMENTS RECORDED! 

THE END OF XX/XX/XXXX ALLIANCE DID IT AGAIN BY COMMITTING FRAUD ALLIANCE WITH NO RESPECT TOOK ANOTHER PAYMENT. 
THEY CHANGED THE ACH PAYMENT TO A CHECK NOW!!!! 

KNOWINGLY IN VIOLATION OF 18 U S C 1001. 

THE END OF XX/XX/XXXX ALLIANCE DID IT AGAIN AFTER I CALLED AND I PUT IN SEVERAL STOP PAYMENTS AT MY BANK WITH FEES. AND DISRUPTION TO MY BANK ACCOUNTS AND MY CHECKS WAS BOUNCING!!! 

I CALLED MY BANK TO GET THE FEE S REVERSED AGAIN! AND A STOP WAS ISSUED! 

MY BANK SAID TO COME IN AND CHANGE MY ACCOUNT NUMBER I HAD FOR ABOUT 30 YEARS. 

I TOLD MY BANK I WAS CALLING THE POLICE DEPARTMENT FOR THESE REPEATEDLY BAD ACTS DEALING IN VIOLATION OF THE BANKING LAWS AND RULES AND POLICY. 

YES I WAS HARMED IAM LOOKING FOR THIS WHAT EVER CLAIM THEY ARE ASKING ME TO PAY. 

I AM SEEKING DAMAGES FOR MY PAIN AND SUFFERING IN AMOUNT OF {$15000.00} AFTER MY BANK CONTACTED ALLIANCE WITH MY CHARGES OF FRAUD AND GOING TO THE POLICE, AND THE STOP PAYMENT. 

ALLIANCE DECIDE TO COVER THAT XXXX! 
BY SENDING ME A FRAUDULENT LETTER I GOT YESTERDAY DATED XX/XX/XXXX. STATING : DEAR MR. XXXX THIS IS TO NOTIFY YOU THAT YOUR POSTED DATED CHECK OR PRE AUTHORIZED CHECK IN THE AMOUNT OF {$50.00} WILL BE DEPOSITED ON XX/XX/XXXX. THANK YOU FOR YOUR PAYMENT!!!! 

NOT TRUE!!!! 

SEE AND READ MY STOP PAYMENT HISTORY AT XXXX  XXXX XXXX LISTED IN THIS COMPLAINT. AND MY COMPLAINTS FILLED AT MY BANK FOR THE MONTH OF XXXX, XXXX AND XX/XX/XXXX. THATS FRAUD!
Consumer complaint received 2018-07-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

My wife and I are in the process of buying a home. We were approached by BBVA Compass Bank and so we decided to apply for a loan with them. The complaint is that we have put in an offer on a home back on XX/XX/18 and on XX/XX/18 we heard from the underwriting department for the first time with a long list of requirements. This was 1 day before the original scheduled closing date. We gathered all of the information requested over the weekend and when everything was finally submitted we were told our tax transcripts were needed, so they requested them on XX/XX/18 I do not understand why they were not requested earlier in the approval process but this was the case. We were informed today that the tax transcripts were not received and the lender asked me if I could go request them myself. This is a step I myself had offered a week ago to speed up the process but was assured it was not necessary, clearly not the case. I have to travel to XXXX TX from XXXX TX on Thursday XX/XX/18 because this the soonest IRS could have an appointment for us. I received an email again today from the underwriting department requesting yet again all the documents that were requested on XX/XX/18 and already sent. VERY FRUSTRATING!!! 

Through out this process I have been sending countless unreturned emails and texts, left unanswered voicemails to the lending company and have had very little responses. I have requested to speak to a manager and the manager is also terrible about communicating, which he assured me he would stay in close contact with me. Both the loan office XXXX XXXX and the manager XXXX XXXX have accepted that the bank has never gone through a situation like this one and that everything that could go wrong has!! 

At this point my family and I are in a difficult living arrangement because of this situation, the sellers have moved out of the house and are in the airline business so the lack of communication to the realtors has frustrating for them too. My family and I do not know if we will get this house especially now since after multiple closing amendments signed by both parties ; the seller has given a final ultimatum of closing by XX/XX/18. It is now after XXXX and my lender has yet to communicate to the realtors if we will be closing by that date.Through out this entire process we have felt as our loan is nowhere on someones priority list.
Consumer complaint received 2018-07-10
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. (TX)

I AM EXTREMELY FRUSTRATED WITH THE FACT THAT XXXX XXXX XXXX IS ALLOWED TO CONTINUE TO VIOLATE MY FCRA section 623.They are reporting my credit history inaccurately on purpose is a clear violation of RIGHTS.US Court of Appeals XXXX   XXXX , XXXX XXXX- XXXX, XXXX vs. XXXX XXXXBy allowing them to keep using {$1.00} increments to keep re aging this unverified accounts its totally wrong and has been going on for months. I HAVE SENT DOCUMENTS DIRECTLY TO THEM I HAVE FILED XXXX   COMPLAINT, MULITPLE CFPB COMPLAINTS, AG COMPLAINT. THEY HAVE RE-AGED THESE UNVERIFIED ACCOUNTS MULITPLE TIMES OVER A 6 MONTH-12 MONTH PERIOD. AND I HAVE PROVEN THIS OVER AND OVER WITH ALL 3 BUREAUS. XXXX HAS DELETED 2 OF THE ACCOUNT. AND LEFT 1 WHICHI IS THE SAME ACCOUNT NUMBER. XXXX AND EXQUIFAX KEEPS ALLOWING THE VIOLATIONS TO OCCUR EVEN AFTER I HAVE PROVIDED PROOF OF THESE VIOLATION. I HAVE PROOF THAT BOTH XXXX AND EQUIFAX BOTH SAY THEY HAVE VERIFIED THAT THE INFORMATION IS ACCURATE. ITS A VIOLATION AND THIS ILLEGAL. They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency. Consumer Protection afforded by the FCRA {$1000.00} FCRA Section 605 ( c ). Clearly you are not paying attention to the actual paperwork. LOOK AT THE DATES OPENED? LOOK AT THE ACCOUNT NUMBERS? LOOK AT THE UPDATED INFORMATION? REFINANCED? HOW IS IT REFINANCED AND ACCOUNT CLOSED AT THE SAME TIME? HOW DOES A LOAN GO FROM XXXX TO XXXX? HOW DOES A LOAN GO FROM BEING PAID AND CLOSED TO NOW OWEING XXXX? IF YOU WOULD LOOK A THE DOCUMENTS AND NOT USE YOUR XXXX SYSTEM YOU COULD CLEARLY SEE ITS INACCURRATE AND THEY HAVE BEEN ALLOWED TO REPORT THIS CAUSING ME MAJOR ISSUES!!!!! IM SHOCKED. 
It is the duty to provide notice of dispute.If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer, As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I AM A REAL PERSON NOT A CREDIT REPAIR COMPANY! THIS HAS DIRECTLY AFFECTED MY LIFE IN MORE WAYS THEN 1. I HAVE ASKED FOR HELP IN MAKING THIS RIGHT.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (SC)

Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification. Certified letter was returned on with UTF ( unable to find ) on envelope. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to credit agency on XX/XX/2018 with copies of returned certified letter. s Still no resolution and it is XX/XX/2018. 
computer generated letters are all I'm getting back with no human interception.
Consumer complaint received 2018-07-11
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. (PA)

I have disputed incorrect addresses and names on my credit report with Experian multiple times.

Currently Experian is reporting multiple addresses for me that do NOT belong to me. I have no accounts on my credit file linking to any of these reported addresses. I have supplied my ID multiple times and they still refuse to correct the issue.

My credit report is reporting 2 addresses for me : 1. XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX these addresses DO NOT BELONG TO ME. I should only have 1 address reporting and thats XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against PRO COLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2018-07-11
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)

I recently submitted an identity theft report to Experian regarding inaccurate information that was reported on my credit profile. I enclosed my Driver 's license and social to identify who I was. A week later, I received an email stating that they needed more information and to submit documentation that I HAVE ALREADY SUBMITTED. Can someone assist me with this matter?
Consumer complaint received 2018-07-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates is reporting two collection accounts 1 is from XXXX XXXX - which was charged off in XXXX - and a XXXX XXXX account which is also over 7 years old ; they purchased these accounts in XXXX - but FCRA guidelines for California state debt can only be reported for 7 Years from the 1st original date of delinquency with the original creditor - not 7 years from the purchase date by a collection agency
Consumer complaint received 2018-08-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

We have a mortgage with XXXXXXXX XXXX through XXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by XXXXXXXX XXXX regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that XXXXXXXX XXXX will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as XXXXXXXX XXXX was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per XXXXXXXX XXXX the check was later found in a lock box that XXXXXXXX XXXX failed to check their own mail for 30 days. We feel XXXX XXXXk has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from XXXX and will share with your company. Despite our efforts to abide and pay our mortgage, XXXXXXXX XXXX has reported me with a 60 day delinquency on my credit report. I have sent a request for XXXXXXXX XXXX to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that XXXX XXXX  has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by XXXX XXXX that were were being reported to a credit agency.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification. Certified letter was returned on with UTF ( unable to find ) on envelope. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to credit agency on XX/XX/2018 with copies of returned certified letter. s Still no resolution and it is XX/XX/2018. computer generated letters are all I'm getting back with no human interception.
Consumer complaint received 2018-07-07
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. (CA)

XXXX XXXX XXXX, ACCT NO. XXXX IS A COLLATERALIZED AUTO LOAN ACCOUNT APPEARING ON EQUIFAX.XXXX  XXXX IS THE LENDER AND ALSO XXXX XXXX IS THE MANUFACTURER OF THE COLLATERAL. 
I HAVE NOT PAID THIS LOAN FOR TWO YEARS.I WOULD LIKE FOR XXXX TO REPOSSESS THEIR COLLATERAL, PER THEIR SALES CONTRACT OR I WILL RETURN IT VOLUNTARILY. 
HOWEVER XXXX KNOWS WHAT I KNOW, THAT THE CAR HAS NO VALUE BECAUSE OF DEFECTIVE MANUFACTURING.NEVER SINCE XXXX XXXX WROTE '' UNSAFE AT ANY SPEED '' HAS THERE BEEN SUCH A XXXX AS THIS CAR WHICH WAS " XXXX IN XXXX '' .XXXX USED TO BE A RESPONSIBLE COMPANY.NO LONGER DO THEY HONOR THEIR CONTRACT OR THE IMPLIED WARRANTY LAWS OF CALIFORNIA.WE HAVE THE CAR INTACT UNDAMAGED FROM USE SITTING ON OUR PROPERTY.THE CAR HAS ALWAYS BEEN UNSAFE SINCE MANUFACTURE. 
XXXX HAS 2 YEARS LEFT ON THE STATUTE OF LIMITATIONS TO SUE ME FOR NON-PAYMENT.I WELCOME IT. 
FOR FORDS REFUSAL TO HONOR THEIR LOAN CONTRACT I WANT THIS LOAN REMOVED FROM MY CREDIT REPORT FOR THEIR FRAUD ( SELLING AND FINANCING JUNK UNSAFE VEHICLES TO THE UNKNOWING PUBLIC. 
I WOULD LIKE EQUIFAX TO DELETE THIS ACCOUNT FOR LENDER FRAUD, FOR FINANCING AND SECURITIZING A PRODUCT THAT IS VALUELESS.WE WILL NEVER OWN THE CAR, NEVER BE ABLE TO SELL IT, XXXX DOES NOT WANT IT EITHER BUT THEY WANT TO RIP ME OFF, RUIN MY CREDIT INDEFINITELY AND NEVER SOLVE THEIR PROBLEM.FORD WANTS TO EXTORT ME USING THE EQUIFAX CREDIT REPORT AS LEVERAGE AND THAT IS ALL THEY WANT TO DO. 
I WOULD LIKE EQUIFAX TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY FILE NOW AND LET XXXX NO LONGER EXTORT AND I AM HAPPY TO RESPOND IN COURT.
Consumer complaint received 2018-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NJ)

This account was paid in full back in XX/XX/2012. If you have proof that I am responsible for this debt, mail me the sales receipts for validation. 
I need my credit report to be updated and this debt to be cleared. 
Thank you for your cooperation.
Consumer complaint received 2018-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Messerli & Kramer P.A. (SD)

A few years ago Ms. XXXX garnished my wages for a company she said I owed money to. She never took into account my XXXX kids or bills I had to pay, I was left with half my paycheck. Now she has contacted me in regards to another company she said I owe, I have told her this has been paid in full. She submitted documentation showing payments made from as XXXX XXXX account that I never had. Then there was a payment attached months down the road for {$500.00} from my account at XXXX XXXX XXXX. That {$500.00} was to pay my account in full, I never got another bill or a phone call, then about a year later I get severed from Ms XXXX saying I owed money, I went to the court and notified them that this was not my charge. I never got a court date, the next time I heard from the courts was saying that my wages would be garnished. I just got a letter from my employers saying I would have 20 % of my wages garnished. I have XXXX kids and only take home about {$900.00} every two weeks, I have not idea how I am going to feed my kids or pay my bills. I feel Ms XXXX is just taking advantage of me because she knows I can't hire an attorney, I am a single mother, and I was an easy target before. I also find it very interesting that both times she has done this it has been around the XXXX Holiday, this is two different years that she has disrupted my holiday. I hope that she doesn't do this again. My credit has been mixed up for years because I have had other peoples debts showing up on my history. Once I had a bankruptcy showing up and I have never filed bankruptcy, I am tired of always trying to defend myself from things I did not do. Is there anything that can be done to help. I never got a court date, I was told I owed and that was that.
Consumer complaint received 2018-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I began an income-driven repayment payment plan with NAVIENT 4 months ago and they gave me 2 separate accounts with the same account number. I send 2 separate money orders each month with 2 separate payment stubs. Every month I receive a bill stating that one account is current and the other is late and I am being charged late fees. I have called NAVIENT and faxed copies of proof of payment ... to no avail. I explained that I was not going to continue to keep sending them payments when they couldn't account for them and they advised against it. This is utterly ridiculous. I need outside assistance.
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a Capital One payment due which I submitted an on time payment for, it posted on time on XX/XX/XXXX for {$30.00}. 

I am visually impaired and did not notice the minimum due was {$34.00} so I was charged a late fee on XX/XX/XXXX. 

I contacted capital one and they see Ive never been late and messed up once because I have a hard time seeing and they refused to refund me.