davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (IN)

On XX/XX/year>, a notification came through stating there was not enough money in my checking account to cover a transaction that came through. I knew there was enough money so I checked online to verify. The transactions in my checking account were debit after debit of cash withdrawn to XXXX. 

The owner of the XXXX accounts was someone who had been living with me but had moved out earlier that week. I looked back over the past month ; he had been sending money to his XXXX on occasion since late XXXX. However, when he moved out, he drained my account. He not only hit this account but my other accounts at other institutions and opened other accounts for which debit cards started arriving. It was a lot. 

I immediately began to dispute the transactions. There were so many and my financial institution, Ally Bank, requires each transaction to be manually disputed online. It took me multiple days to go through the transactions. They ranged from a few dollars up to {$200.00}. As I was nearing the end of the list, the website gave me an error message that the site was unable to retrieve the transaction information and to check back later. This went on for months with zero resolution. 

So, I was unable to dispute all the transactions. But of the ones I could dispute, I was given provisionary reimbursement and, eventually a credit for all the transactions that were under {$50.00}. The transactions over {$50.00} needed to be investigated, according to Ally. And, after a couple of months, I received notices in the mail that all those transactions over {$50.00} were found to be authorized and correct. The reasoning was that they are " merchant transactions '' and I should take it up with the merchant. However, every transaction data sheet no matter what the amount of the transaction had no varying information indicating that those higher-value transactions were any different than the lower-value ones. And, there was no difference. They were done the same way as the others. 

I called multiple times and spoke to various people and managers. They did everything from laugh at me, hang up the phone on me, and tell me I had no way to appeal as the decision was made and I had to accept it. Ally Bank stole hundreds of dollars from me because they did not want to cover my higher-value fraudulent transactions.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (FL)

Mohela is still showing that I have loans with them, and I do not.

My loans were transferred to another servicer, aidvantage, and consolidated. The loans were paid off through the consolidation. They show {$0.00} on aidvantage and the department of Ed sites.

I have no loans with Mohela. In fact, I cant even login into Mohela because I literally dont have an account with them.

I have disputed the reporting 3 times. The second time they changed the report to show about half the loans as closed and {$0.00} balance. 

I think they are trying to keep the door open for collections on forgiven loans, and I refuse to be enslaved by a private corporation.

Mohela and the reporting agencies must change my report to accurately reflect that these loans have been paid off because according to the Department of Ed, I owe {$0.00}. 
As such, Mohela and the credit reporting agencies are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Moore Law Group (CA)

XXXXXXXX XXXX XXXX  account was agreed into settlement in XXXX at a balance of over {$10000.00}. The collections agreement was to make {$200.00} payments for a year and the collections would be closed with the rest being XXXX XX/XX/XXXX. I Paid all required payments totaling about {$2400.00} directly to the collection agency. The collection agency sold it again and again without my knowledge until I attempt to purchase a home and find out it's still on my credit report. Was sold to a Moore Law Group which started a lawsuit and then served my old address I have not lived at in over 3 years. In the due process I received from the courthouse it states in the court documents they served someone described as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' on XX/XX/XXXX the individual who served the papers is named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Which I am very obviously a woman. A judgement by default was then filed against me XX/XX/XXXX that I was never aware of and had already paid off. I have mailed Moore Law Group a letter in XX/XX/XXXX requesting information and stating that the account was paid in settlement and I do not owe said debt.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

Around XXXX XXXX, my XXXX  and I purchased Olympic event tickets on our Chase credit card ( I believe it was Chase Southwest Card ) in excess of {$1200.00}, a lot of money for us. Later in XXXX, we cancelled the credit card as we no longer used it and had forgotten we purchased the event tickets on that credit card. In XX/XX/XXXX, we realized we would be unable to attend the event and requested a refund from the Olympics who refunded the amount back to our credit card. We tried to get with Chase to see if they could look up the cancelled credit card and forward the balance to us, but they claimed the account was purged and that we needed the original XXXX digit credit card number in order to get our money back. They said there was no way to look up our old account based on social security number, our address or any other form of identification. We have tried to get the 16 digit credit card account number and submitted a letter via USPS to the address they gave us that dealt with closed/archived accounts. We never received any old account statements from them which we were hoping had our 16 digit account number. We have spent countless hours on the phone talking to different people and departments and are worried that we will never get our money back. We have tried all that we can and given how big Chase is, nobody can help because everyone only knows their little limited role and can't figure out how to find where our refund went.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (FL)

XXXX on XXXX received a phone call form ( XXXX ) XXXX explaining to me they need to verify personal information to have a process server come to my home because I was being sued. 

I asked what this was about and asked for their name, but the female representative did not give me her name, nor could she tell me why. 

I explained I was not comfortable give her any information, so she gave me the name of her law firm " XXXX XXXX XXXX  '' along with the phone number ( XXXX ) XXXX. She gave me a reference number " XXXX ''. 

I called the above number, a receptionist picked up the line. I explained what happened and gave her the reference number. Again, the person did not give me her name, and stated an attorney would be with me in a moment. After about XXXX seconds, she came back on the line and stated the lawyer was in a meeting, and she could help me. 

She stated I owed over {$13000.00} on a XXXX credit card from CITI Bank that was close doff in XXXX. I stated I need to see paperwork on this accusation. The receptionist stated we received something in the mail on XX/XX/XXXX, but we never received any notices or letters regarding this. I asked if she could mail it with signature confirmation, or if the process server could give that information to us. 

She stated we're going to lose our home because they were going to put a levy on it, and we'd be in financial ruin if we don't " resolve this debt today ''. 

I thought this business was a law firm, but I think they deceived me because they sounded like a debt collection company. 

I've never been threatened like that before, and didn't know who to turn to. Any help would be appreciated. 

I have a copy of my phone log wit timestamps if needed.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (GA)

The inclusion of these unauthorized inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized inquiries : FCTUALDATA XXXX FD/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RentDebt Automated Collections, LLC (TX)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-14
Product: Credit 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: U.S. BANCORP (AZ)

I disputed a charge XXXX, XXXX from XXXX XXXX  as I do NOT have a receipt for the purchase. XXXX XXXX XXXX sent me a letter stating the purchase was valid and the charge will be put back on the card with penalty and interest but NO other documentation such as what exactly I purchased and for how much. I called Monday XX/XX/XXXX XXXX pm requesting a phone call from the XXXX  charge case XXXX regarding the fact that I did not receive any valid documentation regarding the purchase. I was told he/she has XXXX hours to call. NO XXXX ever called. I provided a negative feedback to XXXX on XX/XX/XXXX and stating that my right as a consumer has been violated.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (SC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

received an email from Hunter Warfield LLC a collection company XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX saying I owe them XXXX with no details as to what the bill is for. When asked what it was for they wouldn't tell me and have not replied to me to date. they said it was from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AL XXXX XXXX XXXX and when I asked them what the bill was for they would not tell me. 

Have not received any reply from ether company. I believe they still owe me money XXXX XXXX XXXX XXXX still owes the credit card company money as of today and I believe they are being investigated for fraud by the federal authorities.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

On XX/XX/year> I have discovered a scam transaction on my Paypal account. XXXX XXXX  were sent to a person from my account. I contacted Paypal about it but they didn't give me any help. I will further contact my bank to revert the transaction. I can't believe such a big company will help scammers instead of their loyal customers. I have never ever in my life tried to get a refund because I didn't need one, but now when I get unlucky and need some help, they turn their back on me...
Consumer complaint received 2024-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP (NC)

I received a debt collection notice from Linebarger Goggan Blair & Sampson in connection with a XX/XX/year> parking ticket. The violation apparently occurred with XXXX XXXX XXXX who controls parking in XXXX, North Carolina. On the specified date, I was cleaning my home and going to the county recycling center on XXXX XXXX. At no point did I park anywhere else other than my home. 
I researched XXXX XXXX XXXX and found multiple complaints of fraud from individuals who have received similar notifications in different states. Each time they pressed the matter XXXX XXXX withdrew the complaint. I should add this is the first that I have heard of this and that it seems unusual for a parking ticket to be referred to collections in such a short time.
Consumer complaint received 2024-08-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (AZ)

On XXXX XXXX, 2024 I mailed a payment in the amount of {$6000.00} to Mr.Cooper, my mortgage company. I enclosed a letter stating the check for {$6000.00} was to be applied to the principle of my home loan. I also wrote in the XXXX space on the check that the money was to be applied to the principle of the loan. Today, XXXX XXXX, 2024 I received a statement from the mortgage company. Here is what they did. 
{$5100.00} Applied to the principle {$170.00} for interest {$690.00} for escrow -- -- -- -- -- -- -- -- -- -- -- -- -- -- - {$6000.00} It appears this is there way of NOT reducing my principle by the full {$6000.00} as I requested. Note, my loan was recently acquired by them in the last few months. I have had nothing but problems in my efforts to call and actually talk to a real person. They have no provisions for talking with a real person to resolve problems.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (AR)

Self Financial Inc has reported my account as charge off. The account is charged off but they are still asking for funds and even using third parties to do so. When the account is charged off, the company no longer has the a debt. And the information such as the address and telephone numbers are inaccurate as well. My rights have been violated according to 15usc 1692g and 15usc 1681c-2
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I noticed a welcome offer for the American Express XXXX XXXX card of XXXX bonus points after {$6000.00} spent within 6 months. As a regular XXXX customer for the past 20 years, this offer was very enticing but the {$650.00} annual fee very high. I decided to apply anyway. I quickly received the card and started using it. 

By the XX/XX/XXXX statement, the {$6000.00} spending requirements for this offer was reached but I did not notice bonus points being credited. I assumed it was just going to take a few weeks. 

On XX/XX/XXXX, I called Customer Service to check in on this bonus, and was told that the offer was declined with no specific reason given, only that the T & Cs gave them the right to decline the offer. I requested to cancel the card and receive a refund for the Annual Fee, which was declined.

This is extremely frustrating, I would have never signed up for this product or used the card if I knew I did not qualify for the offer. I was never notified that the offer was declined. 

My online account has Paperless/Electronic Email Delivery activated. Despite the Terms on the offer requiring to notify me if the offer is declined, I received no communication about it. I did receive many other emails regarding this account : - XX/XX/XXXX Welcome to American Express. 
- XX/XX/XXXX Your Card is ready to ship! 
- XX/XX/XXXX Your Card is out for delivery! 
- XX/XX/XXXX Your new Card was delivered! 
- XXXX XXXX, American Express invites you to provide your feedback - XX/XX/XXXX Reminder - XXXX, American Express invites you to provide your feedback OFFER TERMS & CONDITIONS You may not be eligible to receive a welcome offer if you have or have had this Card, or the XXXX XXXX XXXX American Express Luxury Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. 
If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

On XX/XX/XXXX, I called Discover about a purchase I made on XX/XX/XXXX from XXXX XXXXXXXX. I was supposed to receive the item within XXXX business days, but I never received the item. I told them that I called XXXX to try to resolve issue, but company would not refund and told me item would eventually arrive. The Discover representative told me they couldnt put a dispute in because of Regulation E.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. 

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Consumer complaint received 2024-08-09
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

I received a charge a few months ago on my Apple Card/Goldman Sachs Bank statement . Shows 4 transactions to " XXXX XXXXXXXX XXXX. Each was {$49.00} I disputed. They did a temporary credit Now, yesterday, on my new statement they show 'DISPUTE REVERSAL '' and are re charging me XXXX x XXXX = {$190.00} I have called them twice. Second time, call never came off " hold '' .... 
But first time, their person said " I can't tell you what that is. You are supposed to KNOW what that is! Huh? Their staff each time has seemed unprofessional and poorly trained. On hold, they play rap music with curses and their employees had heavy New York accents, making them hard to understand. I read in the newspaper that Apple has won an early termination of their contract with Goldman Bank because of so many complaints.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I signed up for {$200.00} cash back I completed all requirements Capital one doesnt want to honor the promo and are providing am type of excuses not to issue the promo I did not receive a bonus previously