davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (TX)

I would like to get my freaking money back. PayPal put my account on hold for no reason the. Stated I would receive my funds in XXXX. Now XXXX is almost here they decide to take my freaking money this is outrageous. Im demanding PayPal give me my XXXX  funds back immediately or I will take legal action. 

They owe me {$7300.00} immediately!!!!!!!!!! 

PayPal email : XXXX XXXX can not just take peoples funds like this. This is crazy how can you just ordinary peoples money with no explanation?!? 

If this is not handled accordingly I will be taking legal action soon as I get feed back from this complaint.
Consumer complaint received 2018-12-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

On the day of XX/XX/XXXX, I mailed off a letter to XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.
Consumer complaint received 2018-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called Capital One to see if they have a valued customer credit for the annual fee since we are in the holiday season. The representative advised that there is nothing available. Several years ago I had an issue with the annual fee with one of my other Capital One cards and a supervisor advised that they can switch my card to a Quick Silver card in which it does not have an annual fee. I am wondering why this associate could not suggest another Capital One card that does not have an annual fee. I asked if there was another card that Capital One can offer which does not carry the late fee. The associate finally did provide a solution to transition into Venture One card which does not carry an annual fee. This was done however In feel that Capital One should adjust this annual fee since I have been a loyal customer for many years and I have many accounts with Capital One.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 my cell phone was stolen with my Bank of America accounts linked to it. Between XX/XX/XXXX and XX/XX/XXXX my 2 checking accounts were drained via digital transactions like XXXX XXXX and XXXX for a total of XXXX I reported the transactions right away but my claim was denied and I was asked to submit a police report which I did but then my accounts were closed down and I was informed I was liable for all these charges
Consumer complaint received 2018-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I signed up with American Express for a Gold Credit card. I was told that a welcome bonus on XXXX will be given with the card after spending {$2000.00} in the first two months. It's been more than a month and I have already spent close to {$3000.00}. I received the Points as promised but I am not able to use the points. They say there is a hold on spending the points for 6 months without giving a clear reason for the same.
Consumer complaint received 2018-12-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rhodes, Kelly Assoc Inc (NC)

This is my 3rd time submitting a complaint against Rhodes Kelly & Associates. They have once again failed to provide me with adequate validation of the medical debt that was placed with this office. In addition, they have violated HIPAA by sending me a copy of medical correspondence displaying personal information. They claim that there is an agreement in place that allows the obtaining of this information. I was not made aware of this agreement prior to this information being sent to them. The information should have been sent to me directly from the original creditor. I mailed a letter to Rhodes Kelly & Associates on XX/XX/2018 regarding this HIPAA violation ; they are aware that they have 30 days to respond. Please note that 30 days had past and they didn't respond or mark my credit file as disputed. My credit file was updated on XX/XX/2018, indicating a {$28.00} decrease in payment, this is well over 30 days. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute ; Keep in mind they signed for the certified letter on XX/XX/2018. I have retained a copy showing date of receipt, as well as a time-stamped copy of my credit reports showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

I am demanding for these collections to be removed from my XXXX credit file immediately or it leaves me no other choice but to proceed with legal action.
Consumer complaint received 2018-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc. (KS)

In the past, multiple complaints have been registered against this company for not following through in correcting false information being filed with XXXX. 

CSR has been reporting to XXXX, that one of my addresses has been XXXX XXXX XXXX XXXX in XXXX, KS. This is false. Also, that I have lived at XXXX XXXX XXXX XXXX in XXXX, KS less than two years. Also false. I have lived at XXXX XXXX XXXX XXXX in XXXX, KS since XXXX/2014, and never XXXX XXXX XXXX XXXX in XXXX, KS. This mess is a result of the incompetency of XXXX at XXXX XXXX in XXXX, KS, in conjunction with CSR of XXXX, KS. Both parties have been given countless opportunities to correct their screw-ups, but did not. I had to pay to get my reports to see what was wrong. Again, because XXXX XXXX and CSR refused to fulfill their legal obligations. As a result, and at the request of the FTC, a formal affidavit has been filed against both parties with the FTC. 

CSR is to immediately remove the XXXX XXXX XXXX XXXX, XXXX, KS address entry from my XXXX  credit report, and to indicate that I have lived at XXXX XXXX XXXX XXXX, XXXX, KS since XXXX/2014. If XXXX at XXXX XXXX in XXXX, KS did her job, none of this would have ever happened. Her corporate office in OK is going to be sent a copy of all complaints related to this matter. 

This discrepancy is negatively affecting my mortgage application process.
Consumer complaint received 2018-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

How are you doing? I was shocked when I reviewed my credit report and found late payment on both of my credit cards with you guys ; XXXX XXXX-30 Day Late payment. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-12-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Unfortunately in XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, and also XX/XX/XXXX and XX/XX/XXXX monthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with my lender so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XX/XX/XXXX. 

It has come to my attention that because of these late payments with XXXX XXXX XXXX, I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with Transunion and XXXX. I sincerely hope that XXXX XXXX XXXX  believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own.
Consumer complaint received 2018-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (IL)

XXXX Illinois electric company has hired a debt collector " The Cbe Group Inc-former '' to attempt to collect {$1000.00} from me on a electric bill that is not mine. I am on the national do not call list and they call me at work even after I tell them they are breaking the law. I don't have this debt and it is innacurate. 

This has impacted my credit score and effected my personal and work life.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

Tried calling XXXX, Equifax and also XXXX to remove addresses that were not accurate on credit report. Was not allowed to remove said addresses. 

XXXX has an inaccurate previous address of XXXX XXXX XXXX XXXX La, XXXX. It also has the wrong current address. I have not lived there at any time. My current address is XXXX XXXX XXXX XXXX La, XXXX. XXXX XXXX   XXXX XXXX XXXX La, XXXX is my correct previous address. 

XXXX has an inaccurate previous address as XXXX XXXX XXXX XXXX La, XXXX. I have never lived at that residence. 

Equifax has two inaccurate previous addresses as XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is also an inaccurate previous address. I have not lived at either addresses at any time.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DC)

Ive reached out to Experian to request inquiries be removed from my credit report on XX/XX/2022 and previous dates. I have contacted the original creditor, XXXX to have it removed and filed a report of fraud. XXXX has provided me with a letter stating their unauthorized inquiry. I have also had unauthorized inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX. Experian has refused to remove the inquiry from my credit file.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Tried calling XXXX, XXXX  and also Transunion to remove addresses that were not accurate on credit report. Was not allowed to remove said addresses. 

Transunion has an inaccurate previous address of XXXX XXXX XXXX XXXX La, XXXX. It also has the wrong current address. I have not lived there at any time. My current address is XXXX XXXX XXXX XXXX La, XXXX. XXXX XXXX   XXXX XXXX XXXX La, XXXX is my correct previous address. 

XXXX has an inaccurate previous address as XXXX XXXX XXXX XXXX La, XXXX. I have never lived at that residence. 

XXXX has two inaccurate previous addresses as XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is also an inaccurate previous address. I have not lived at either addresses at any time.
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (TX)

I was told today, XX/XX/2019 by my employer XXXX XXXX, phone number XXXX, case # XXXX has been calling the the chairpersons office at my work to get permission to have me served while I am working. I XXXX at a XXXX college. I called the number and spoke to a 'XXXX XXXX ''. He is calling about a debt that is over 10 years old. I asked him to stop calling my work. He then called the chairperson two more times after we spoke and after I asked him to stop these calls at my place of employment. I have not received any mail regarding this old debt or received any calls. This harassment is affecting my job performance and personal reputation from my employer of XXXX years. I need this to stop!
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I submitted a claim with Wells Fargo claiming they committed fraud back in 2015 when Wells Fargo was refusing modifications and that is why numerous people have lost their homes. 
Wells Fargo told me they would get back to me when they concluded the investigation. 
Well it has been a year now and all they did was threaten foreclosure on my fianc 's home and threaten to throw her to the street and never did they answer our concerns. I had to end up buying the home in order to save this house, meanwhile Wells Fargo XXXX  my fianc and never answered us.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAM National Arbitration and Mediation (MA)

This company called " The XXXX XXXX '' sent me a letter about 1 week and a half ago. 
They said I had a debt that totaled over {$1700.00}. The original creditor was XXXX XXXX XXXX, which I did belong to in XX/XX/XXXX/XX/XX/XXXX. I seem to remember cancelling my XXXX 's membership in XX/XX/XXXX, because I wasn't using it anymore. I thought that was the end of it, until this " XXXX '' sent me the above mentioned letter. 
" XXXX '' went on to say in this letter that they would except a one time payment of {$340.00} or 12 monthly payments of {$38.00}. They went on to say that if I didn't arrange and agree to a payment, then they would file a XXXX form against me with the I.R.S. I'm willing to settle the debt from XXXX 's but I think this " XXXX XXXX '' might be bogus and therefore a scam.
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

This is the second complaint I am sending about target ... when I made a payment over the phone with a representative on XX/XX/2019 for {$170.00} I was told my next payment is due XX/XX/XXXX.. 

Target has reported I am 30 days late on payment and that incorrect ... 

Please review previous complaint I have submited Please have them correct credit reporting I attached a screen shot payment was made and I am not 30 days
Consumer complaint received 2018-10-16
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. (CA)

On XX/XX/XXXX18, my card was charged in the amount of {$100.00} by the XXXX XXXX XXXX In XXXX XXXXXXXX, Oklahoma. 

On a bill that I opened in XXXX, I became aware of this charge and reached out to CITIBANK GOVERNMENT CARD SERVICES on XX/XX/XXXX18 to inform them that I had not made this charge and never booked travel in XXXX XXXX, Oklahoma. I was sent an AFADAVIT to my government email, which is password protected and transmitted electronically using their XXXX form. I completed the AFADAVIT and returned it on XX/XX/XXXX. 

OnXX/XX/XXXX, I contacted CITI to get a status of my dispute, as my card was reported as delinquent. I also contact the XXXX XXXX XXXX accounting department, and they were unable to locate any information referencing my credit card number or a booking for that night. 

I was told that my AFFIDAVIT was never received. I resent my AFFIDAVIT via fax and email. 

On XX/XX/XXXX, I received an email confirmation that my AFFIDAVIT was received. 

On XX/XX/XXXX, my account was closed and suspended, and I incurred a XXXX late fee. 

I reached out to CITI on XX/XX/XXXX and was told that there were no record of the affidavit and that I need to reach out to the government travel office in order to get a refund. I contacted the government travel office who reported having no record of that hotel booking.
Consumer complaint received 2022-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I have been calling Navient to confirm that My Tuition Answer loans were part of the multi state settlement that stated that the loan would be cancelled under certain conditions. When I talked to multiple people they stated that I am not part of the cancellation. However this is untrue. 

1. My Loans were taken out from Sallie Mae between the time frame listed. I took out Sallie Mae Tuition loans between XXXX. 

2. My loans were subprime. My credit score was well below the XXXX threshold. Hence the cosigner that was assigned. 

In the Multi State settlement it states that I fall under the cancellation for Category 3 Criteria. 

" Any non traditional private educational loan with an outstanding balance and in past due status as of the debt relief forgiveness date '' after 2002. I defaulted on these loans. They were past due. Sallie Mae XXXX Navient had to take me to court and they wrote off 71 % of the balance, and then told me that they would be in default status. 

In the court documents it states any non traditional loan that was made to a borrower with a FICO score below XXXX to attend a public or private university that was non profit. 

When I told them that I fall into this category they stated that they would not be forgiving my loans, because I do not fall into that category and they only are forgiving loans that are from Category 2 For Profit schools. 

This is in the face of the court documents that show Appendix A : Private Loan Relief, for Category 1 - All Opportunity and Recourse Loans, and Category 3 Non Traditional with subprime credit scores. 

There are 5 tuition answer Sallie Mae Loans that fall under the Category 3 - Non Traditional subprime credit category that should be cancelled under this agreement. 

Furthermore, One Customer Service Advocate or Representative told me that I may be part of another lawsuit under XXXX XXXX Navient, and that any payments I made after the bankruptcy may be refunded back. 

Not limiting to XXXX, Navient should remove the loans from my credit report, and cancel the debt. IF later XXXX vs Navient determines that money is owed, then also should they return any money back. 

I am asking that 1. Navient Immediately follow the XXXX guidelines and cancel these loans. 
2. If XXXX succeeds in XXXX vs Navient then they can repay the money owed at a later date. 

I understand that I am part of both lawsuits against Navient XXXX Sallie Mae. However, right now Navient needs to cancel immediately the loans under the first Multi State Settlement against Navient. Later they can determine the repayment owed under XXXX vs Navient.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

I transferred the money a week ago. Pay pal has S stolen several times from. I have the screen shot where it says the money should be in there yesterday XXXX XXXX. Not there and there saying someone used my card. I want my transaction posted now and my relationship terminated for fraud and dishonesty.
Consumer complaint received 2022-05-04
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: AMERICAN EXPRESS COMPANY (CA)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1861 Section 602 States I have the right to privacy. 

15 USC 1861 Section 604A Section 2 : It also StateXXXX that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-12-09
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. (KY)

I filed a FTC identification theft and KY state police report. 
Also a workers comp injury at XXXX XXXX has left me broke. Started w a chapter XXXX as I made about {$1200.00} a week to XXXX as XXXX XXXX Refused ... not realizing it was chronic and deathly, after 6 mths I had to file chapter XXXX. 
XXXX framed me for theft and I caught them and got clear, the identity theft dropped my score 200 points. I had XXXX But XXXX either left portal open .. or XXXX XXXX , of XXXX XXXX XXXX in an attachment on my software update. I have tried, maimed in filed on line 1 ) XXXX XXXX goes to court in XXXX, XXXX They offered , but again This is likely death. 
2 ) XXXX  has bullied me and .... cost me a lot of $ I feel they are part of the id theft which stole XXXX 3 )  XXXX and XXXX recovered 4 ) I go XX/XX/XXXX for my SS XXXX 5 ) my credit is good but I cant get a loan to survive .. Fcc has 15 complaints on XXXX  w evidence. 
6 ) why wont XXXX fixing this? Us XXXX paying them to? Wheres consumers right 1-3 has corrected 7 ) fix now
Consumer complaint received 2018-04-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Security Credit Services, LLC (FL)

This company has contacted me twice. As you can see they've used my name, social security number, and signed my name without my permission. They've sent two letters to me without any indication of what I owe them, from what company or any other data. This is a scam of a company. See below and attached to view the information and letter I sent to them.