davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NY)

Hello, I currently have a debt with a company called Caine and Weiner. It originally came from XXXX XXXX XXXX. That vehicle was totaled out in a car accident, so I do not understand why I have a debt with XXXX? Also, they're trying to say that I did not send back their XXXX device that monitors your driving, and I absolutely did mail it back. That alone costs {$50.00}, and is hurting my credit also. Thank you.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

As a Consumer thats protected by FDCPA this request is to removed the following inquiries/accounts on my Consumer Report for I have not given my consent to furnish this on my Consumer Report per 15 USC 1681 ( B ). And I am also exercising my right to privacy under 15 USC 1681 ( A ) ( 4 ). Reporting this information on my Consumer Report is also a Violation of 15 USC 6802 ( B ) 1 ( A ), ( B ), ( C ) I was never given the opportunity from your agency to have my personal information block from being expose. Below you will find a list of inquiries/accounts I would like deleted from my Consumer Report ; Collection Accounts : XXXX XXXX  Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1800.00} Reporting on ; XXXX/EXPERIAN XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$730.00} Reporting on ; EXPERIAN XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$84.00} Reporting on ; EXPERIAN/XXXX XXXX XXXX  Account Number : XXXX Collection Opened XXXX XX/XX/XXXX Balance : {$680.00} Reporting on ; EXPERIAN/XXXX INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX EXPERIAN Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX EXPERIAN Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX EXPERIAN Inquiry Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2023-08-02
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. (AR)

I am sending a complaint regarding inaccurate accounts on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate accounts are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX Balance Owed : {$370.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$13000.00}.
Consumer complaint received 2023-08-02
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$400.00}
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-06-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (CA)

I applied for XXXX - I have worked as an educator for 9 years and made payments during the entire time. Mohela told me that on XXXX of the XXXX payments that were made applied towards XXXX. This is because I attended school during XXXX of the years. I did not take out additional loans or ask XXXX that my loans be placed in deferment during the periods I attended school. I made full on-time payments. I was told that because I filled out a fafsa, ( I was forced to when I enrolled in the schools I attended. ) XXXX automatically placed my loan in deferment. When I received notification that the loan was in deferment - I told them deferment wasn't necessary and that I was paying the loans regardless. They said they would not take them out of deferment because I was in school. I was also working full-time as a teacher at a qualified school during all the periods I was in school. My understanding was that my loans still collected interest while on deferment so there was no benefit to NOT paying. Additionally, mohela took another year because they stated that XXXX reported that I was late in making payments through all of 2017. XXXX shows that I consistently paid them within the same 3 days of the beginning of the month for all of XXXX. The report shows that I made the payments 6 days early for 12 months. I was told regardless of the early payment - the payments fell out of XXXX 's XXXX window and the entire year would not be counted. Additionally, every time I inquired about the possibility of XXXX with XXXX before XXXX, I was told none of my loans would be able to participate in the program and strongly discouraged from applying. 
The purpose of XXXX is loan forgiveness for educators and public service workers who paid on time while working full-time. I did that, even while in school. It is unfair and those time periods should be counted as qualifying payments to the program.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (WA)

Today, XX/XX/2023, I tried to pay my hotel bill with my US Bank Visa debit card and it was declined even though I have enough money in my account. I called customer service for US Bank and they said they suspected fraud and transferred me to the fraud department. The fraud department left me on hold for a long time and I had no guidance from their phone system as to how long the hold was. Since I did not do anything unusual, I think the fraud tag is their fault not mine and that is why there are so many customers being transferred to fraud. I can not get this fraud tag taken off without calling them but it is impossible to talk to their fraud department. They never do anything when I email them, so I am not falling for that again.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (FL)

I made two seperate purchases with XXXX in these purchases I chose to do a trade up program where I purchase devices from XXXX and return an older model for credit. After receiving my merchandise, XXXX sent out trade in kits which are empty boxes where XXXX instructs me to put the phones in the box and ship back to apple for a refund against my original purchase. After thoroughly doing so and shipping back the trade in kits which consisted of XXXX trade ins per purchase for a total of XXXX traded in phones, XXXX honored the trade in of XXXX devices per purchase and canceled XXXX of the other XXXX per purchase for a total of XXXX canceled trade XXXX. XXXX then did not ship me back my device or kept my device. I have been scammed out of my devices and XXXX will not even give me a proper explanation of why. I am due a refund or return of my merchandise. The XXXX transcions in question are as follows : Web order # XXXX web order # XXXX
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

We got XXXX American Express Card in XXXX last year. We got charged {$150.00} for membership fee. At the time of the renewal this year they charged {$650.00} to keep the card. I called them on XX/XX/XXXX being surprised by the membership fee jumping to {$650.00}. I told them that if that is fee is {$650.00} I do not want the card. I am willing to pay {$150.00} but not {$650.00} as requested. I paid all what I owe on the card before XX/XX/XXXX. They stated it is {$650.00} fee. I responded that I do not want to have this card. I called them again on XX/XX/XXXX to confirm the cancellation. They stated that I did not ask for the cancellation. I told them that I stated that I do not want the card which is equivalent to cancellation. They argued that I did not say cancel. I have followed up regularly every other week to have them listened to my conversation early XXXX that if I said I do not want it it means cancel it. They did cancel it on XX/XX/XXXX but they insisted on having me pay the {$650.00} fee. Now they started adding penalty fee and intense on my account. Please help.
Consumer complaint received 2023-06-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (PA)

On Friday, XX/XX/XXXX, I was logged into my Wells Fargo account and a CD offer popped up that had pretty good terms for XXXX XXXX The terms stated : XXXX CD Special Offer ( minimum deposit of {$5000.00} ) Renews for XXXX term Annual Percentage Yield ( APY ) : XXXX XXXX  Special Interest XXXX : XXXX XXXX Relationship XXXX : XXXX XXXX Relationship Interest Rate XXXX XXXX XXXX  The numbers are not the same as this is a screenshot from today. I believed I had relationship banking because I have been a customer since XXXX ( XXXX XXXX ) and had XXXX Banking, savings, and Money Market. I was thinking I was getting the Relationship rates. 

As I continued with the application online, I selected that XXXX CD Special Offer and completed my information to transfer {$200000.00} to this CD from another account. As the process went to terms and complete application, I was not informed the interest rate until AFTER the application was approved ( Monday XX/XX/XXXX ) in an email. I was surprised. I went to my local branch and spoke to the branch XXXX and rep there and they tried to change it ( along with changing my accounts to the NEW proper account types ). They tried to do a modification but was told they couldn't and I was very unhappy and said I'd like to file a complaint. They filed it for me and I was sent an email the next day saying the response could take XXXX business days. 

I waited and tried to contact the compliant specialist. It was a difficult time to connect with her and she did not share any correspondence with me or when I called, no one else was able to help me because there was already a person on it. 

I finally got in touch with her today ( XXXX weeks later ) and she said she could not do anything for me. 

I believe I was mislead of the terms of this CD and should have been told the exact interest rate at the time of the application terms. I thought I had relational banking as I been a customer since XXXX and had that package.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (NJ)

Started the refinance of home mortgage process with cash out option on XX/XX/2016. Necessary documents were submitted by XXXX. After initial review, got good faith estimate with loan amount and closing cost. Based on this estimate, a deposit of {$350.00} was made towards appraisal. Appraisal came with lesser amount by {$5000.00}. Agreed to reduce the loan amount to that extent. However, got a revised estimate which was less by {$30000.00} and with additional closing cost towards points etc. In between got numerous revised estimates with different loan amounts and closing cost. It took more than 2 months to reach any definite closing document. Hence, want to get back the deposit of {$350.00}.
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (WA)

GM financial has commit fraud. I have submitted a pay off of my loan for well over the amount i owed just in case they added on additional fees. They accepted my payoff but never gave me credit and then repossessed my vehicle for non payment. 
they will not return my vehicle or my payment to me. this payment was sent to the ceo of the company and was never returned or credited. I have submitted a notice of dishonor to the ceo via XXXX XXXX Priority mail express along with a bankers affidavit and a fee schedule. I wil also be submitting a 3949-A to the IRS for organized crime, public and political corruption, false/ altered documents, unreported income,
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

A XXXX transaction routed through Chase Bank was withdrawn multiple times. The withdrawn funds were only sent to the recipient once. Chase has the funds withdrawn in error somewhere in limbo and has caused my account to overdraw. I have no access to my money.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

we need to update all three credit files at Transunion and XXXX and XXXX. first the consumer statement is wrong i need that to have the right phone number in which should be XXXX we need update the security / credit freeze and add an initial extended fraud alert. we also need to fix my credit inquires and accounts removing every thing that was fraudulent and not me.
Consumer complaint received 2023-06-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (CA)

According to the notice, the original debt is with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX for {$290.00}. 
GRANT & WEBER ( reference # XXXX ), Debt collection agency, sent me a written notice on XX/XX/23. I did NOT receive the notice until XX/XX/23. 
Issues : 1. I do not/ have not agreed to any debt directly with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have insurance and everything I do is directly through XXXX XXXX. I have a record of any outstanding balances from XXXX and this was NOT included. 
2. I have NOT received any written notices/ Invoices from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
3. I have NOT received any notices that my debt will be referred to a debt collection agency. 
4. GRANT & WEBER confirmed that they reissued the letter because they had issues with the mailing address. However, when they mailed the notice, the date of the letter stayed as XX/XX/23. That means that my credit can directly be effected 60days from the wrong start date. 
5. I called the GRANT & WEBER and asked for the original Invoice showing my original debt. I talked to XXXX @ ext XXXX. She said that it will be emailed to me. But I never received any documentation.
Consumer complaint received 2022-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The documents attached to CFPB Complaint # XXXX, indicates that the signatory was not an employee or XXXX of XXXX Bank XXXX If he was authorized to execute the document, that would require a separate power of attorney or appointment as agent to execute such documents. This is another reason why I demand that XXXX Bank acknowledge and affirm that it is the owner of an unpaid loan account due from me, that it has appointed SPS as a servicer over the unpaid loan account, and that it authorized this attorney to execute the limited power of attorney. I have attached this copy of the limited power of attorney and referred to it in the body of my demand.
Consumer complaint received 2017-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (FL)

I am in a FEMA declared disaster area from Hurricane Irma. I am currently on a disaster relief plan with my mortgage company, Mr. Cooper at which time they are to suppress credit reporting and they have not done so. They reported my account delinquent. I would like this corrected and insured it will not happen the next two months.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

I have been having trouble logging in to my Discover bank account and Discover credit card account for several months. They are separate accounts, not merged. I made sure to use the corresponding login website for the banking account versus the credit card account/mobile app. 

Every time I try to log in to either account I get the following message : 'The information you provided does not match our records. Please try again or select " Forgot User ID/Password '' below to reset your log in credentials. ' Then I have to click " Forgot User Password '' and reset my password in order to access my accounts. However, the new password is still a one-time thing. Even with back-to-back login and logout, the password is only effective for a single time. I document every password I create so I am 100 % sure that it is not human error. 

I made numerous calls to discover and the only resolution I ever got is to reset my password and check if I'm using the correct portal.
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MEI AUTO FINANCE INC (TX)

On XX/XX/XXXX I received a message that they would be disabling my car for the overdue payment of {$85.00}, at XXXX XXXX  I called and tried to arrange a post-dated payment for XX/XX/XXXX due to me not being sure of the direct deposit that was pending to be released but was denied the due to it falling on the weekend.On XX/XX/XXXX at XXXX XXXX, I went online and paid the amount of {$85.00}. The car was still disabled when attempting to go to work at XXXX XXXX. I called several times and after failed attempts, they are not cutting the car back on. I am almost done paying this car off and after several failed attempts of wanting me to trade in my car, they are acting as if something electrical is wrong with it. This company stated that they could tow it to a location but I would be responsible for the tow cost and repair, I didn't disable it.
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (GA)

Subject : Unauthorized Transaction on PayPal Account On XX/XX/XXXX, an unauthorized transaction of {$550.00} was made using my PayPal account. The purchase was made with the seller XXXX XXXX XXXX XXXX XXXX. The Transaction ID for this purchase is XXXX. The item purchased was XXXX XXXX ( Item # XXXX ) and the total amount included shipping and tax charges. 

Upon noticing the transaction, I immediately reported the issue to PayPal via their Resolution Center. However, despite multiple attempts to contact PayPal for support, I have not been able to speak with a representative to resolve the issue. I believe my account was compromised, and this transaction was fraudulent, as I do not know or live with anyone in the shipping address provided for the transaction. 

Furthermore, the backup payment method for this transaction, a VISA card ending in XXXX, has also been affected. I reported the issue to my bank, which kindly removed the charge. However, the issue with the PayPal transaction remains unresolved. 

I kindly request that this matter be investigated promptly and thoroughly. I have always used PayPal believing in its commitment to user security and am disappointed at this breach and the subsequent lack of customer service. I hope to see this situation rectified and measures taken to prevent such incidents in the future.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MA)

XX/XX/2022 someone changed my phone number than added a XXXX address and withdraw my money in the account After hours on the phone filling all the disputes They say they can not get my money back XXXX they also hacked o to my XXXX  XXXX XXXX account and tried to withdraw from that This is just not right
Consumer complaint received 2023-06-02
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: Ability Recovery Services, LLC (CA)

I am trying to buy a home and these things are reporting on my credit and I have had identity theft done to me already. And these things are hindering my progress and are certainly a defamation of my character. They need to removed immediately.