davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
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. (PA)

TO WHOM IT MAY CONCERN : Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2023-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC (CO)

XX/XX/XXXX Received letter from MiraMed Revenue Group : enclosed XX/XX/XXXX I sent a certified letter containing a photocopy of the original check, a photocopy of the bill with the duplicate check attached, a page from my XXXX XXXX XXXX checking account monthly report ending XX/XX/XXXX showing the check was cashed on XX/XX/XXXX, and a page from my XXXX XXXX XXXX checking account monthly report ending XX/XX/XXXX showing the check matched the check photocopy I included. 

Included : XX/XX/XXXX showing the check was written so they could fix the mistake. 

Included : XXXX XXXX report showing XXXX XXXX XXXX XXXX submitted claim for my XX/XX/XXXX XXXX XXXX. 

XX/XX/XXXX email requesting name of original creditor since it was filed with them with the name of XXXX XXXX XXXX, account XXXX. I have never heard from that company nor received any communications of any sort from them. 

XX/XX/XXXX Dated XX/XX/XXXX answering my XX/XX/XXXX original creditor request. Also giving me a deadline of 6 days to pay them which is impossible and I don't owe it. 

XX/XX/XXXX Dated XX/XX/XXXX acknowledging XX/XX/XXXX email.
Consumer complaint received 2023-05-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In XXXX I opened a credit card with the Bank of America and since that, I set an auto payment with the total amount every month and had no single missing monthly payment with them or with other creditors in my whole life. 

My Statement balance on XX/XX/XXXX was {$7.00} and for some reason, the bank removed my auto payment so that amount was not paid as usual and I never know that. 

The following month ( XX/XX/XXXX ) the bank charged my account {$0.00} as interest for the {$7.00} that was not paid due to the removing the auto payment by the bank, and in XXXX they charged my account {$0.00} for the same reason without noticing me that my account has a problem that needs attention. When I realized that I paid the full amount immediately. 

The problem is that was reported to the three credit bureaus as a late payment for more than 30 days and that affected my credit score and has decreased by XXXX points for the late payment of just {$7.00} after dealing with that bank for XXXX years with no even single problem or delinquency. 

I contacted the bank to explain that was a mistake by them to remove my auto payment and I would never make a delinquent and destroy my credit history for just {$7.00}, they refused to solve the problem by sending any notice to the credit bureaus removing that and showing that was their mistake and not mine. 

I disputed that with the credit bureaus but they said the information that was reported to them by the bank is accurate and correct and they are not able to do something until the bank is sending them a notice saying that was their mistake. 

The bank made that mistake and I pay for it, they destroyed my credit score and my credit history for just {$7.00} while my credit line with them is {$5600.00} with a good standing and clean history, That is odd and ridiculous! 

I am asking you to investigate that and let the Bank of America send a notice to the three credit bureaus to remove the late payment from my credit history and fix my credit score that was affected by that.

Thank you!
Consumer complaint received 2019-12-20
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 (VA)

I have my pay roll check coming to this blue bird prepay card .. I have money in this account that I can not withdraw or use to purchase anything. I cant check my balance and when I attempt to call the customer service there is no answer .. I need my money and they are holding my money hostage this has to be illegal
Consumer complaint received 2023-01-16
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX XXXX account number : XXXX Account name : XXXX. XXXX, XXXX - account number : XXXX Account name : XXXX XXXX  XXXX account number : XXXX Account name : XXXX XXXX XXXX - account number : XXXX Account name : DEPT OF ED/XXXX  - account number : XXXX Account name : XXXX  - account number : XXXX These accounts have violated my rights.

15 U.S.C 1681 Section 602 A. States I have right to privacy. 

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item for information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

- I refinanced my XXXXMohela loan with XXXX/Mohela in XXXX for a lower interest rate. I submitted all paperwork and continued to make monthly payments. 
- Once the refinance was complete, I continued to send in payments on the XXXX and XXXX of each month to satisfy the amount due. I have been doing this since I began working with Mohela. You can look through all past payments and I have never been late. 
- The due date was changed when the loan was refinanced. Because I was making monthly payments in the same month they were due, I did not see this as a problem. 
- I noticed an amount due that was growing even though I had been paying on time. 
- I called XXXX Mohela and they explained that since my bill had not been issued for the month yet, the payments I was making on the first of the month did not count for that month 's balance due. 
- This was especially problematic because I often make my largest payment on the first. 
- The month of XXXX now required a $ XXXX payment. I was not able to make a full payment until the end of the month as I needed both paychecks to cover the bill. I arranged for payment through my bank on XX/XX/XXXX. 
- THIS DELINQUINCY WAS CAUSED BY THEIR OWN BILLING METHODS. 
- On XX/XX/XXXX the account was reported delinquent to credit agencies, even though the full payment had posted. 
- On XX/XX/XXXX the account was reported again as delinquent even though the account was in good standing. 
- I have not received a call back on this as promised and could not even be transferred to a supervisor today ( XX/XX/2022 ) When I originally called, I was told that there would not be any reporting to the credit agencies, which obviously is not true. I want the negative reports made to the credit agencies removed. This has brought my credit score down significantly.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 These accounts have violated my rights.

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item for information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

I have issue a with XXXX XXXX XXXX that Sears has issued a fraudulent charge to XXXX   XXXX XXXX that I authorize at the purchase of appliances ( XXXX XXXX and XXXX ). All three were supposed to be charged to my XXXX XXXX XXXX XXXX XXXX. The XXXX  was charged but the XXXX and XXXX was charged to XXXX XXXX XXXX  card that I didnt knowingly approved nor use to charge for the appliances. 

I contacted XXXX XXXX XXXX for 6 months terminate this card and charged the total balance to my XXXX  cards and removed the fraudulent late payments and two 30 days derogatory late notices. They removed the late fees and 1 late notices. But refuse remove the one remaining 30 late payment on all 3 of credit agencies. They also refuse to allow me pay off the balance of the credit debt.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is holding my available credit XXXX for 15 days without notifying me. I was not notified of this hold, nor is this hold specified in my card member agreement. This has happened multiple months in a row. Last month was a XXXX hold, this month its XXXX.
Consumer complaint received 2019-12-17
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF PERSONALLY. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I FEEL LIKE IT IS NOT FAIR TO ME AND I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES FOR SOMEONE ELSE 'S ACTIONS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-01-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (GA)

Heloc was paid off by closing attorney on XX/XX/XXXX last year. 
Wells Fargo still reports open balance to XXXX
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (NJ)

I got an auto loan with XXXX XXXX XXXX back in XXXX, my original loan was nearly XXXX  the amount of the vehicle. My car was repossessed back in XXXX of XXXX XXXX but I don't feel as though I should still be held responsible for XXXX and the car was XXXX  the amount with interest and all other fees attached
Consumer complaint received 2024-04-02
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/2024 I purchased an AMEX e-gift card worth {$500.00}. Eight days later while trying to redeem the card, I realized multiple purchases had been made on the gift card from different locations without my authorization. I immediately called AMEX customer support to report the case and open an investigation. They responded and opened an investigation with case number # XXXX and assured me that at the end of a 45-day investigation they will refund the amount through a mailed check. 

I called biweekly to check the status of the case and spoke to over 6 different representatives and they claimed they had no information to give on the ongoing investigation. At the end of the 45 day wait they said the investigation team had not given any new information on my case and so I have to keep waiting. I started becoming suspicious when one representative started asking me for personal details which I declined to give and he threatened me saying if I did not fill out a specific form the case will not be addressed ( this was after the 45-day wait was complete ). 

Today makes it 62 business days since I opened this investigation and I have still not received any proof of a resolution or refund.
Consumer complaint received 2023-05-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (TX)

My name is XXXX XXXX. My ex-husband XXXX and I acquired a mortgage with the Flagstar Bank for the residential property in XXXX, TX. The property was sold in XX/XX/XXXX as the result of a divorce. 

The bank closed our escrow account with a settlement check in the amount of {$11000.00}. We received the check shortly before the end of XXXX. XXXX and I co-signed the check. On XX/XX/XXXX, I tried to deposit the check remotely with XXXX XXXX. It would not go through. I tried again with XXXX XXXX XXXX. It appeared to be successful. This belief was later proven to be wrong. The deposit was debited from my account on the same day. But I did not realize that until XX/XX/XXXX. 

I reached out to Bank XXXX XXXX which explained to me why the transaction had been reversed : the check was issued in joint names, but the bank account was in my name only. It advised me to go to a bank branch personally with XXXX in order to effect the deposit. XXXX and I did so on XX/XX/XXXX only to be told that the check had expired. A new check bearing a new date would be required. 

I contacted Flagstar, its representative acknowledged my request and advised me to look out for a new check. After a long wait, I reached out to Flagstar again, only to be told that it would not honor my request as a co-signed check was showing in its system which indicated payment had been made. After speaking with a supervisor and explaining the situation, I was told once again to wait for a new check. 

Still no check in sight. I called Flagstar again in XXXX, the agent told me that she understood the situation but a written request must be made to its customer service with an explanation and evidence. I did so with a screenshot of my bank statement. Again, silence. 

On XX/XX/XXXX, I followed up on the written request, and was again told that " [ t ] he check cleared our system on XX/XX/XXXX so no refund to be issued. '' It is obvious that Flagstar has no intention to return the {$11000.00} to its rightful owner. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (NJ)

I have a XXXX account that was linked to my PNC bank account for a year with no issues. Today when I needed to use it I'm getting a message that PNC is preventing the connection. In checking with PNC, they are telling me that it should be working and it is on XXXX 's side since PNC sent the code to me to verify the connection. XXXX does not list PNC as a bank to link for finances. 
Currently, the perception is that PNC is blocking XXXX to force people to use the PNC XXXX  app for money transfers. 
Someone is XXXX  things up and not being honest and I need to make some other like to make this payment happen.
Consumer complaint received 2022-01-21
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: FORD MOTOR CREDIT CO. (NC)

My identity was stolen. A police report has been sent several times to this company. The other two major credit bureaus have removed them for fraud. Ford Motor Credit continues to report on a fraudulent closed account. A police report has been provided on several occasions. This fraudulent closed item needs to be removed from my credit report.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022 we settled XXXX XXXX 's Chase account ending in XXXX for {$1700.00}. 

We sent the total amount due as follows : The payments were sent to : {$150.00} - XX/XX/2022 CHASE CHASE XXXX XXXX XXXX XXXX NC XXXX {$1600.00} - XX/XX/2022 Chase Card Services Chase Bank XXXX XXXX XXXX XXXX XXXX DE XXXX The payment of {$1600.00} was sent, delivered AND cashed. We have tracking number and proof it had been cashed. However, Chase bank has remained firm in their position that " they never received or cashed that payment ''. We tried to fix this by reversing that payment and resending it, Unfortunately, the payments can't be reversed since they are checks that have already been cashed.
Consumer complaint received 2019-12-25
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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, Apple/Goldman Sachs restricted my Apple Card account. I contacted Apple Card Support via Goldman Sachs. The representative told me that my account is under review and that someone will get back to me, but no timeframe is available. However, I did not even start using the card yet. I had just gotten approved for it 2 days prior. There are absolutely no transactions to be reviewed. I was also never given a reason for the review. I can't even start using my Apple Card until it is unrestricted.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing inaccurate accounts on my credit report since XX/XX/2019, and letters have been sent every 30 days after. ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I received one response from TransUnion and XXXX  ( XX/XX/2019 and XX/XX/2019, respectively ). I have never received any response from XXXX, and nothing from TransUnion or XXXX since the first. I have included the letters I've sent as proof.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Please find attached, an Affidavit of Truth. The bullying stops today. Portfolio Recovery Associates never received my permission to communicate to me in connection to any alleged debt. Portfolio Recovery Associates has continued to harass me intentionally using consumer reporting as a coerce tool to try to force me to pay an alleged Time-Barred debt I do not owe. Portfolio Recovery Associates was issued cease and desist letter twice, XX/XX/XXXX and XX/XX/XXXX, to stop all collection efforts and communication on this alleged Time-Barred debt. The only communication permitted would be confirming termination of all collection efforts or actions to be taken allowed by the FDCPA or my state laws. Before statute of limitations expired, Portfolio Recovery Associates failed to provide proof that there was an alleged debt owed to them by me. In addition, Portfolio Recovery Associates failed to provide the bill of sale showing the value on how much they paid for this alleged account. There was no relationship, contract, agreement or an accounting ledger furnished between Portfolio Recovery Associates and I. Instead, Portfolio Recovery Associates has provided the same deceptive documents repeatedly for over a year that did not validate the alleged Time-Barred debt to them as recent as XX/XX/XXXX violating the cease and desist demand, and continuing to mark negatively tarnishing my credit rating violating the cease and desist demand. Portfolio Recovery Associates has been informed repeatedly that this alleged debt is not mine and they refuse to abide to the federal and state laws created to protect consumer from debt collectors like them. Portfolio Recovery Associates acts oblivious to their actions knowing their tactics are malicious, abusive and forms of harassment causes risks to my livelihood, credit rating, mental anguish, emotional stress, and reputation ruined defaming my character. The bullying stops today. This is extortion.