davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gordon, Aylworth & Tami, P.C. (WA)

On XX/XX/2020, Sunday at XXXX an intimidating, XXXX man showed up at my door.He had no identification and was wearing plain clothes. He stated he was from XXXX XXXX. ( Not GAT ) I told him through the door to leave the mail in floor in front of my door. I have attached what he left on my door mat. 

Misrepresented Court Documentation Please note : The man left a loose packet of papers. There was no envelope.The paperwork says Summons. There is no summons number. There is no notice to appear report date, time, or location. The packet is missing a page ( s ) as noted by the remnants of a page ( s ) still being attached to the stapler on the left side of the paper. The document is in different fonts and sizes. 
Apparently, this case was filed on XX/XX/XXXX.The response ( see attached ) to my first letter states that I must respond before XX/XX/2020. How could this case be filed in court prior to the required response date? 
Also, it is XX/XX/2020. I have not received a response to my second certified correspondence ( sent in XXXX ) asking to resolve this amount for 15 % of the amount you are asking, due to me being non-renewed at my job. 
I also shared that the original debt bought by your client was due to Hurricane Harvey. My family and I had to relocate and I ended up filing for unemployment. The documentation that you previously provided does not justify the amount that you are stating that I owe. The amount that you are seeking is inflated considerably. I do not have the money you seek. 
I am asking that you cease communication with me or send official Court Correspondence. The packet you sent ( with pages missing ) did not provide me any documentation regarding the court report date or time to appear. It is missing a summons number, which will make it hard for the court to identify the case. If I fail to appear a warrant will be issued for my arrest.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (MA)

I have an American Express Serve Account which I have a debit card for. I was able to load money on debit card on XX/XX/2020 at my local XXXX. 

I went to use it XX/XX/XXXX to car insurance bill and it was declined. I attempted several times to no avail. I went to several banks to try and withdraw money from card and was declined at ATM. I try to log in to my online account to see if anything is wrong with card and see that my online account has also been locked and have been advised to contact XXXX number. 

Since XX/XX/XXXX, around XXXX XXXX, I have been calling non-stop ... Saturday night I spent 6 hours on hold and still no one picks up. The number I am calling is XXXX. 

Please help
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo 's short term payment relief is incredibly misleading. If you read the short term payment relief, it is assumed you won't have to pay a lump sum after 90 days, and that these payments will be put on the back end of the loan. However on the phone, the operator springs on you that the entirety of the mortgage is due after 90 days. This isn't explained ANYWHERE in Wells Fargos documentary. They simple could have said this, but they didn't. 

How in the world can people affected by Covid 19 miraculously come up with a lump sum of money after 90 days if they can't pay during the 90 days? What help has this honestly done, but mislead their clients?
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX XXXX XXXX ( Orig. Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Orig. Creditor : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My Employer information on my credit report is inaccurate as well. I have requested to have my Employers on my report corrected, this is a violation of my consumer protection rights.
Consumer complaint received 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my dissatisfaction and frustration regarding the repeated attempts to rectify the late opening of my account with your esteemed institution. Despite my continuous efforts to resolve this matter, I have encountered significant challenges, leading to undue inconvenience and financial implications on my part. 

I would like to bring to your attention the following issues I have encountered : Communication Breakdown : Despite numerous inquiries and follow-ups, there has been a noticeable lack of communication regarding the status of my account opening process. This has left me feeling uninformed and uncertain about the progress made. 

Administrative Errors : On multiple occasions, discrepancies in the documentation submitted have been cited as reasons for the delays in processing my account opening request. However, upon careful review, I have found no inaccuracies in the information provided, raising concerns about the efficiency and accuracy of your administrative procedures. 

Financial Implications : The delays in opening my account have resulted in missed opportunities and financial implications, including late fees and penalties incurred due to the inability to access necessary banking services in a timely manner. 

Customer Service Experience : The overall customer service experience has been subpar, characterized by unresponsiveness, lack of accountability, and a failure to address my concerns in a satisfactory manner. 

Given the aforementioned issues, I urge you to take immediate action to rectify the situation and expedite the opening of my account without further delay. Additionally, I request compensation for the inconvenience caused, including reimbursement for any financial losses incurred as a result of the delays. 

Furthermore, I expect a formal acknowledgment of this complaint and a detailed plan outlining the steps you will take to prevent such incidents from occurring in the future. As a valued customer, I believe that transparency, accountability, and timely resolution of issues are paramount to maintaining a positive relationship with your institution. 

Please treat this matter with the urgency it deserves, and do not hesitate to contact me should you require any further information or clarification. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$17000.00}.
Consumer complaint received 2020-06-15
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. (VA)

I have disputed an account on my report from the XXXX XXXX XXXX. XXXX   has remove this account from my report. I have requested this account be removed because I have never had a " loan '' with this company or had a " charge off '' with the XXXX XXXX XXXX. I have requested a Section ( 609 ) of the Fair Credit Reporting Act investigation and the credit bureau has NOT met the requirements of my requestion. Please sanction XXXX  and TransUnion for NOT responding to my dispute request in accordance with Section ( 609 ) of the Fair Credit Reporting Act. 

My SSN is XXXX and my DOB is XX/XX/1963.
Consumer complaint received 2020-06-15
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: Experian Information Solutions Inc. (TX)

I have a severe issue with the credit bureaus. All my accounts that is reporting is out of statue of Limitations. Creditors have been selling out statue debt to collection agencies. This is clear violation of the FDCPA. I never authorized none of the action to take place. These accounts Ion there should of been deleted a long time ago. Some accounts I have no knowledge whatsoever!
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

Hello, I am participating in the Public Service Loan Forgiveness. My student loans at held by MOHELA. I have XXXX months of payments that need to be refunded and have not heard any information about the progress. I have called MOHELA multiple times and they have not provided any proof of processing the refund. 

Additionally, I have XXXX month of payments that they have not added to my account. One of these payments they have as ineligible because I was on a 3 month forbearance. I was not notified of the forbearance until after the XXXX months were over. I have been unable to come to a resolution with MOHELA and am becoming very frustrated with how my federal loans are being handled. 

I have no supporting documents to upload as they have told me everything is internal and there is no copy they can provide to me. 

I would appreciate any assistances with my student loan refund ( {$2900.00} ) and updating mu account payments. Thank you.
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PACIFIC WESTERN BANK (CA)

I have been with Pacific Western Bank, or the banks it acquired, for 24 years. I have both my personal and business accounts in the XXXX XXXX branch in XXXX XXXX. My company also uses the XXXX branch for our deposits from our XXXX office. With few exceptions the relationship with PWB has been symbiotic and professional until recently. As it stands now, a PWB manager is engaging in practices that are putting my business at risk and causing vendors and employees to go unpaid. 

Roughly a month and a half ago, XXXX XXXX, manager of the XXXX XXXX XXXX, began placing holds on our deposits. In some instances she would place a hold on only one of several checks deposited. In other instances she would place a hold on all checks deposited. The holds would be placed without her having reviewed the checks in person and without any personal knowledge of who the check issuers were or the amounts of specific checks. In two instances, at least, she placed 7-10 day holds on cashier 's checks from known depositors with whom we bank with weekly. As far as I can recollect, this year there has only been one instance where a check was returned to PWB from one of our client 's issuing banks for NSF. There was also only one instance of a check being returned due to a stop payment being issued. Those two instances were apparently the trigger for the scrutiny that XXXX XXXX is now indiscriminately wielding on all deposits. 

When I have inquired as to why she is doing this, her responses, the few times she answers my calls or emails, can be summarized as she must protect the interest of the bank and it's employees. How can that be done when she is single-handedly putting one of it's longest standing business clients out of business? 

As it stands today, she has over $ XXXX of my deposits on hold. As a result none of my employees were paid last week and remain unpaid, our primary vendor also remains unpaid, and I am spending more time and energy responding to her decisions to hold our money than I do responding to the needs of my employees during this difficult time. It is unconscionable that a company that is continually making deposits and capable of paying it's employees, albeit difficult, is unable to do so because it's bank manager has chosen to hold all it's deposits while the federal government is giving away billions to avoid this very issue. 

I am requesting all holds be removed from my deposits and that my accounts be transferred to a different branch with a different manager,
Consumer complaint received 2020-04-14
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: Oklahoma Student Loan Authority (NC)

During XX/XX/2019 I discovered that some of my friends were illegally obtaining specs to my devices and use mobile device management XXXX XXXX XXXX and XXXX software on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX XXXX. They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID  ). However, I am sitting at about XXXX of student loans that have been absorbed by my ex friends, and XXXX XXXX of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their Chick-fil-a runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX. XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX is that someone in XXXX XXXXr XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/2019, with a new XXXX, new number, and new email and XXXX XXXX - XXXX XXXX began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.
Consumer complaint received 2022-12-19
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. (IL)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$1800.00} ), XXXX ( XXXX XXXX XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX ( Date XXXX XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX ( Date XXXX XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX ( Date XXXX XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX ( Date XXXX XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date XXXX XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX ( Date Opened XXXX XX/XX/XXXX, Balance : {$0.00} ), Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-06-15
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. (AL)

I have incorrect information listed on credit report. I have disputed online and via mail with no results. The following accounts are listed incorrectly XXXX XXXX XXXX which is an account that has been deleted and removed for over 7/8 years and also XXXX XXXX XXXX  XXXX.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have on numerous occasions asked, requested, and demanded that the 3 major reporting credit agencies Remove any and all fraud alerts and statements attached to my credit profile. Seemingly that the credit agencies has somehow over looked my request, Im now filing an official complaint and re requesting that the 3 major credit bureaus, ( Transunion, XXXX, and XXXX ) Remove All Fraud Alerts and Statements from my credit profile.
Consumer complaint received 2020-04-14
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. (WI)

On XX/XX/XXXX I started receiving alerts from XXXX and Equifax that a collection was added to my credit report from XXXX XXXX in the amount of {$1200.00}. I have never heard of them, was never notified by them in ANY form in regards to the inaccurate information they put on my credit report. The inaccurate information on my report says the they are a debt buyer who has this item listed me as individual responsibility which is incorrect. It also says the credit limit is {$1200.00} which is incorrect, I had no credit limit with them. It also says terms are for 1 month which is incorrect. It also says date of status as XX/XX/XXXX. According to the Fair Credit Reporting Act, anything reported on my credit file MUST BE ACCURATE IN ITS ENTIRETY OR BE REMOVED. THE FAIR CREDIT REPORTING ACT STATES ANYTHING THAT IS INACCURATE, INCOMPLETE OR THAT CAN NOT BE VERIFIED MUST BE REMOVED. XXXX XXXX, Equifax, XXXX  has violated my consumer rights in a scare tactic to force me to pay them monies they are not owed. I do not have any business with them nor did I authorized any company to sell or use my social security number to access my credit file.
Consumer complaint received 2020-04-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingUSA (NY)

Loan was paid in full on XX/XX/XXXX resulting in a over payment of around {$650.00}. Few days after loan was paid, I called and requested a refund on the over payment. Towards end of XXXX, I called to see what the stasis of my refund was and the gentlemen stated a check was mailed on XX/XX/XXXX and due to the pandemic, the postal services were being delayed even though I've received all other mail correspondence pertaining to the loan being paid in full. I also checked with my local post office and was told that there were no delays in the mailing service and everything is on schedule. So I waited and called them back on XX/XX/XXXX and let them know I still haven't received the refund check. Now they tell me the check was not mailed on XX/XX/XXXX but was mailed on XX/XX/XXXX. Today is XX/XX/XXXX and still haven't receive my refund. After checking into this loan company, I see they have multiple complaints against them for doing the same thing and giving consumers a hard time refunding money with the XXXX. These complaints stem back several months way before the pandemic.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

My husband and I have a Sears Mastercard through Citibank. My husband is the primary account holder and I am on the account as a user. We received our statement on XX/XX/2024. On the XXXX page of the statement at the top, the following rewards offer was printed. " Shop with Points at XXXX XXXX  '', " Now you can redeem XXXX ThankYou Points for {$5.00} worth of eligible purchases at XXXX XXXX with your Sears Mastercard. 

How to redeem : shop In-store at a participating XXXX XXXX location. 
Swipe your Sears Mastercard at checkout When the screen displays an offer to redeem ThankYou Points. select " Yes '' to redeem the offer. 
On XX/XX/2024 I went to XXXX XXXX, this is what happened. 
I did the exact instructions and the {$5.00} was not taken off. I called the Citi phone number on the card, same on the statement and was told it was only valid on the primary card. I kept getting the run around and told them I was filing a complaint with the CFPB.