davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was a victim of a scam through XXXX. The check the scammer sent to me bounced and they used XXXX XXXX to try and take funds from my account. I called the bank on Friday and they werent going to dispute anything. So my mom called whos also on account. Disputes were filed but now Bank of America is not allowing me to get my funds. We were told a cashier check is being sent, then we were told it wouldn't be until XXXX and then we were told I could go to a branch and get the funds. We don't live close to one but my mom drove me today. The branch called the fraud department to get hold removed and they refused. I get SSI and don't have money for food or my phone bill. We are told different things by each person we talk to. Even the branch rep was told XXXX different things by 2 different people. I just need my money. I filed a police report but that won't be signed off until tomorrow.
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This is a continue of your case # XXXX- PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Once again they pulled my credit file for all three Credit Bureaus on 05/08/2018- they mail me a letter post marked XX/XX/XXXX mailed for there XXXX XXXX XXXX XXXX XXXX Ca XXXX office : and tried calling 4 more times : this letter had 8 pages all computer generated with there letterhead and cut and pasted XXXX invoices : I am disputing this account and letter and the content Full prejudice : there cover letter states that theses copies of doc of this account " witch establish its validity '' it dose not prove I am the person that open this account-it also has public information that was pulled from the credit Bureau which they have had Prior and after the bankruptcy that there client was listed XXXX : 1. the prim and only invoice with any Activity of use of the alleged CC. dose not have a print date only a due date of XX/XX/XXXX it has 12 charges let it be noted # 12 is a insurance protection charge of {$12.00} This company does not have any record of signed contact with me : possible insurance fraud by the co. # there was a payment of XXXX made I have had the same bank for 10 years no payment exist for XX/XX/XXXX to XXXX let it be know I have only open three credit Cards from the time of my Bankruptcy one was open XX/XX/XXXX and the other two XX/XX/XXXX and XX/XX/XXXX none were XXXX : PORTFOLIO RECOVERY ASSOC has continued to ruin my credit as of this month my FICA went from XXXX back down to XXXX in two days it took over a year to get it back up from XXXX to XXXX they play this game to destroy people 's lives.
Consumer complaint received 2023-04-05
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be repaired or deleted as soon as possible. 
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 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
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a AFFIDAVIT OF DEBT VALIDATION REQUEST by certified mail I followed up 28 days later with a NOTICE OF CEASE AND DESIST letter because none of the requested documents were sent by XXXX  I am not refusing to pay debt I am simply asking for proof of claim
Consumer complaint received 2017-07-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

I opened a car loan with ally financial about 4 years ago, the car was defective and i tried returning it to the dealership within  1 week of pu rchasin g it, ( it still was under the warranty period ) th e dealer refused to take it back.i was forced to repair the vehicle out of pocket. I told ally financial the dealer wouldbt take it back and it was still under warranty they also refused to help me with this and forced .e to remain with the vehicle, pay the repairs and keep the loan.after thousands of dollars in repairs i voluntarily returned the vehicle to ally financial. Years laters they still send me letters to force me to pay. I provided all the information to all the credit reporting agencies and they have removed this loan feom my credit reports, but ally financial still harasses me for the money. I no longer wish that ally financial contacts me or send me letters or try to collect this from me. It was wrong for them to do this after i asked them to please help me return the vehicle while i still could and they refused. Please mind that the vehicle was sold in auction by them and they still want me to pay the remaining balance.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OH)

On XX/XX/2021, a vendor paid me with a check that was not good. When I was informed by US Bank that the check had insufficient funds I deposited cash to cover the inefficient amount. Weeks later on XX/XX/XXXX US Bank closed my account and confiscated the balance of approximately {$2000.00}. I received a letter dated XX/XX/2021, from the branch manager of the bank where the account was opened. The letter indicated that a check for the balance in my account would be issued in 5 business days. To this day I have not received the funds that were on deposit. Equally troubling is the attitude of the branch manager and the many customer service representatives I have spoken to regarding receiving the account balance., Their dismissive attitude and arrogance because of my inquiries are irritating and disrespectful. I want nothing more to do with US Bank all I want is my money.
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (FL)

Original Collector : XXXX XXXX XXXX XXXX XXXX : Rent-debt automated collection XXXX   XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX Date : XX/XX/2016 {$7500.00} amount This attempted debt info is completely inaccurate. I am a single mother to XXXX children and I was never behind 7 months of rent!? 
I have continued to Dispute this fraudulent information for 3 years now and the negative remarks on my credit report including this astounding amount is hindering my living abilities for my kids and I. I can not get anyplace with this info on my credit report. 
It is wrong and inaccurate and Im going to seek legal help with the Florida Bar Association for legal representation to Dispute this information and request for removal. 
My identity was also compromised with XXXX Incident 2016. Thankyou for acknowledging consumers and trying to get all of us the correct guidance and professional help we are seeking Regards, XXXX XXXX
Consumer complaint received 2018-12-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MS)

I have tried to contact XXXX XXXX numerous amount of times to request documentation pertaining to the debts that are being reported on my credit reports. There is a collection account reporting the substantial amount of {$990.00}. As a consumer, it is my right to request thorough information affiliated with this debt. This has been going on for the past 8 months and I have yet to receive a debt verification letter via mail. I also initially sent this over to the credit bureaus in XX/XX/XXXX. I've attached my letter I sent to XXXX as well as proof in my computer on when it was sent. Thank you for your time
Consumer complaint received 2022-10-06
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. (TX)

The credit report showed credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 



The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXXXXXX 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 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
Consumer complaint received 2021-06-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Earm LLC (VA)

Got a text message saying I owed a debt when I dont the guy couldnt even give me an information about it when I called the original company they told me this is not right then I called the other two collections agency they tell me its fraudulent and to contact the FTC
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (FL)

Hello, I've been using XXXX XXXX insurance for some period ( purchased thought the XXXX XXXX, then at XX/XX/XXXX I canceled the contract ( which is clearly seen in the marketplace, see attached ). 

I used to pay their bills with my banking account via ACH, though I didn't authorize any autopay or recurring charge. 

Then on XX/XX/XXXX I got an email ( attached ) that I was charged for XXXX XXXX bill, and payment was processed by XXXX XXXX https : //www.fiserv.com/XXXX ), a scam looking payment provider whom I was unable to contact anyhow ( their 'customer support ' mailbox for example simply bounces any email ). 

I login to their online account through XXXX 's website, and canceled this autopayment which I never ever authorized. There I found that this 'authorization ' I supposedly made on XX/XX/XXXX ( see attached ). I double-checked my browsing history : no, I didn't login to their service on XX/XX/XXXX. Actually I never login to their service before I they charged me without my authorization. So I couldn't authorize this autopay. 

Earlier in XXXX I got email from XXXX that they changed their payment provider. It seems like they disclosed my payment details to the XXXX XXXX, and authorized autopay for me without my consent. It's a clear fraud. 

Another interesting thing : this payment is not shown in XXXX XXXX statement ( see attached ). And XXXX has a very unprofessional online service so there is no payment history there at all. Moreover, I can't edit my payment methods, and for example I can't delete my banking details. Thanks God I was at least able to cancel this autopay.
Consumer complaint received 2023-08-16
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. (FL)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXXXXXX 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
Consumer complaint received 2019-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

PayPal is holding my money for 180 days. The money received was from our business account. I have uploaded all documents verifying my identity and documents. The money is suppose to be used for medical reasons and they still froze my account and not able to withdraw my funds. We've explained to them PayPal or our account shall not get any charge backs because it is a transfer from one account to another. It wasn't a goods and services transaction and it was suppose to be as family and friends. Money was sent from XXXX, in which we own, to our personal account, XXXX. We've tried to explain this to them and tried to get a hold of someone in corporate, but was unsuccessful. Please help, as I can not be without certain medications and I'm waiting for a XXXX  XXXX. This has caused great amount of stress and frustration. One of the documents uploaded was a photo of one of my medical bills. Not to mention I have to pay for my housing. The reference number is below. I will personally hold PayPal responsible if anything should happen to medically, mentally, and physically. 

Reference ID : XXXX
Consumer complaint received 2021-06-10
Product: Credit card or prepaid 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: CITIBANK, N.A. (MA)

I use my XXXX Citi card to purchase a trip with travel insurance on XXXX of last year, I had to cancel due to the pandemic crisis and travel restrictions beyond my control. I contacted the CITI, credit card company and XXXX, they claim that they would give me credit instead of returning my money. Even though this is not fair, so I want to use my credit to buy the same trip and Im being denied.
Consumer complaint received 2018-05-24
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. (AL)

There was an investigation conducted by CFPB in early XX/XX/XXXX on my student loans at which time XXXX  updated my accounts with a status of accounts renewed or refinanced, but today when I checked my accounts were reflected as failure to pay with the following payment status : Paid, was a collection account, insurance claim or government claim or was terminated for default. This is untrue. The accounts were never in collections ... actually consolidated and I've been making payments on them since XX/XX/XXXX. I have attached documentation from both XXXX and the Servicing Company which is currently handling my Federal Student Loans. I'm working steadfast on correcting my credit and this recent ding is causing havoc on my credit report. Please assist in getting this corrected.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

Citi bank decrease my card after making a payment from XXXX to XXXX said they repulled my credit and my score went down which is a violation of my rights FCRA violation XXXX XXXX took my car 5 days playing little kid game pass the phone putting people on the phone saying they were certain part of management when they weren't. Now I understand when the parents leave the kids will come out and play but keep that XXXX at home. 
Its bad enough Car people have the best reputation. Former XXXX  XXXX 45 cars month but one thing I never did was lie to get a SALE or PLay child XXXX  kid games XXXX XXXX needs to know about his kids at work XXXX XXXX XXXX
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (KY)

XXXX XXXX added a collection in XX/XX/2017. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to XXXX XXXX XXXX provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX service in my name.
Consumer complaint received 2019-09-27
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. (FL)

ENCLOSED IS A COPY OF MY CORRESPONDENCE SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTION 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE INACCURATE ITEMS BEING REPORTED I AM PROVIDING
Consumer complaint received 2018-05-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC (OH)

I sent in a complaint on my XXXX complaint # XXXX how XXXX  is lie about how I pay them XX/XX/2016 and it never happen they are just trying to stay on my credit longer I was able to log in my XXXX XXXX so I would love if I can get this complaint sent over or told again so I can know there response please and thank you cause there liein I never pay them XX/XX/2016
Consumer complaint received 2021-05-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

They said it would be closed out on the XXXX of XX/XX/XXXX. My monthly payments are not showing. I have this paid off and it needs to be shown as being paid off. So the monthly payments should show monthly from XXXX of XXXX to XX/XX/XXXX when it was paid off. So my account should be paid off. I want this to be reporting correctly to all the credit reporting agencies.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (WA)

I have requested our servicer, United Wholesale Mortgage, cancel our PMI. I have called for over 3 months to get them to cancel it. We provided XXXX with the requirements they requested of us in writing, we are under the 80 % LTV and are in good standings with our loan. They denied our request to cancel the PMI in a voicemail message and will not provide a reason for the denial. Since they have charged us for all these months, I believe they are taking our money illegally.
Consumer complaint received 2019-07-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (VA)

I would like to raise a red flag concerning the US Dept of Education  ( US DoEd ) practices with regard to how they manage their student loan default program. I was working with their Default Resolution Group on a loan rehabilitation program when they suddenly and without any warning violated the good faith terms of our agreement and placed my loans in default with a third party, private debt collection agency/company. I had been unable to make consistent or adequate loan payments for some time and so XXXX, the loan servicing company, transferred my loans to the US Dept of Ed Default Resolution Group ( DRG ). I made a good faith payment at the beginning of the process and they even garnished   my state income  tax   return even though I was under the impression that I was NOT in treasury offset, wage garnishment, or any other similiar situation, based on conversations with representatives who told me that if I make payments that would halt any further negative action taken against me. It did not. Then, after working diligently to apply for a loan rehabilitation program administered by the DRG ( their website : www.myeddebt.ed.gov ) they arbitrarily and capriciously, without warning or any reason given, sold my loans off to a private debt collection agency and tacked on over {$13000.00} in collection fees. They did this only about 2 weeks after they denied my initial application for loan rehabilitation. They first told me I could submit certain financial statements, such as bank statements, to document the income and expenses portion of the loan rehabilitation application, but this was incorrect information given to me by their representatives. Because of this incorrect information, they rejected my application stating I had not supplied adequate documentation for the income and expenses listed! While I was working on getting the required documentation, they sold my loans and debt collection added on outrageous penalties and fees. I am currently working with a student loan advocacy organization, called XXXX ( XXXX ) that I found through the XXXX ( Virginia XXXX XXXX ) and fear that legal action may be necessary to reverse the actions taken against me by the US Dept of Ed. I wish to pay off my debt as agreed and even hope to qualify one day for the Public Student Loan Forgiveness Program ( PSLF ) or XXXX Loan Forgiveness   Program ( XXXXLF ) but this will never happen if I can not get these unjust and punitive fees removed and get back on a path towards a sustainable, affordable monthly loan payment.