davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-14
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: CITIBANK, N.A. (CA)

I moved from XXXX, NC in XXXX at which time Best Buy sent a new credit card to the tenant living there. They went on a shopping spree to the tune of {$5700.00}. I contacted Best Buy Fraud and they took forever to investigate and get to the bottom of what happened. I have proof that I was not even in NC when and where the shopping occurred, I had already moved. I finally received a letter from Best Buy dated XX/XX/XXXX after numerous follow ups, stating that the investigation proved the charges were fraudulent. Best Buy claimed that my status was resolved with XXXX, XXXX and XXXX, and to allow 60 days for their records to be revised. 
In the meantime I continue to get threatening statements/letters from XXXX XXXX XXXX, XXXX.Account # XXXX, requesting payment. I tried to call them several times to tell them about the Best Buy letter and to find out where I could send a copy, but they insisted that would not resolve the problem. I also discovered that this is showing up on my credit report. Is there any way for you to resolve this with XXXX? I would be happy to forward the letter from Best Buy that clears this insanity.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello my name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES and update all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2019-04-14
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: Experian Information Solutions Inc. (GA)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX, XXXX XXXX, XXXX CARD XXXX,
Consumer complaint received 2019-04-02
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (OH)

This company is trying to collect a debt, that was paid off years ago. This has been going on for about three months. I paid this debt to XXXX XXXX XXXX in the state of Ohio in they Address is XXXX XXXX, XXXX XXXX, OH XXXX. In the year of XX/XX/2016.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

On both XX/XX/19 and XX/XX/19, mailed certified letters to XXXX at XXXX XXXX   XXXX XXXX, TX XXXX disputing two accounts that are on my XXXX  and Equifax credit report.When I disputed with XXXX  those companies were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. XXXX  did not provide me proof of validation. On XX/XX/19 I mailed a certified letter to XXXX XXXX   at XXXX XXXX XXXX XXXX, TX XXXX and still have not received a response. Please see the above information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Amount reported : {$610.00} Company Name : Acceptance Now Partial Account # : XXXX Amount reported : {$620.00} Social Security # XXXX
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was informed to contact Capital One in reference to hardship programs offered due to me being injured and under workman compensation for 6 months. I requested the interest be reduced to assist me with paying the CC bill on time each month. I was informed I could not be on a program such as that because my CC payment was not pass due at least 90 days. I informed the Supv. I have never had any 30 day late payment, I attempt to pay all bills from Capital One on time and I need relief with the interest. I was once again informed they could waive any late fees for the next 90 days. In an attempt to have the Supv. understand my hardship, I asked if they could at least assist with waiving the interest on XXXX 's bill in order for me to get back on track and not have to receive a 30 day late. I advised them my salary decreased and I truly need to be on a Capital One hardship program that can assist me since I have been with them for several years and have other credit card and auto loans that I pay on time as well. They were unwilling to assist stating I have a pass due amount. Indeed and explained that is why I called in seeking assistance. I was then asked if I wanted to close the account. This is what you state to a consumer who has a job related injury and needed assistance for a short period of time.
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I am currently a XXXX XXXX who is traveling across country for almost 60 days. Three days into my trip on XX/XX/19, I attempted to use XXXX via my Chase Bank account to send a {$500.00} payment to my friend and driver, XXXX XXXX. The payment did not go through immediately so I called Chase Bank to cancel the transaction. I spoke with a customer service rep who cancelled the transaction and said everything was all set. A few minutes later I received an automated voicemail stating my account was suspended because the transaction was suspected fraud. I called Chase and spoke with several reps who refused to provide me with any information at all and stated I had to go to the nearest branch ... which was 14 hours away. I told them my situation and that I had no funds for gas, food or shelter and Chase stated that wasnt their problem and I had to find a way to the nearest branch nearly 800 miles away. After begging strangers for change and for rides, I was able to get to the nearest branch on Monday XX/XX/XXXX. Banker XXXX XXXX tried to assist me but said Chase made a mistake and closed my account as a result of thinking my transaction was fraud, even though I called them several minutes before to confirm and cancel the transaction. I spoke with XXXX from the Chase executive offices who stated there was nothing they could do and I had to wait for them to transfer my funds in 4-5 days. Chases mistake has left me stranded with absolutely no food or shelter and has had a damaging effect on my health and well being.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I spoke to the Citibank branch manager XXXX XXXX XXXX XXXX several times to address the issue of receiving 3 letters from Citibank Client Services. The letters indicated they were closing my checking accounts, money market accounts, 2 CD 's and my safe deposit box by XX/XX/XXXX. The branch manager said 'I am not supposed to say this '', however you removed sums of cash ( XXXX to XXXX ) that looked suspicious. I explained that my son is getting married, I donated money to a Ukrainian friend who made several trips to the XXXX and US dollars are always helpful. I also sold my vacation house in Florida last year and needed a lot of last minute fixes for the deal to go through. I have been a Citibank customer since XXXX ( 38 years ) and have never had any issues with my accounts. My wife is handicapped and opening a new account and resetting all our automatic payments to utilities, credit cards, phone bills etc. will be a hardship. My wife and I ( join accounts ) have no criminal record and several of those cash withdrawals were in XXXX. We are also Citibank Gold Priority members.
Consumer complaint received 2019-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OH)

.25 % discount was removed and additional fees added. 

student went back to school ... collection of loan payments were halted by servicing agent. 

student stopped attending school ... collection of loan payments resumed without the inclusion of the agreed upon .25 % discount! 

servicing agent erroneously claims that payments were from a " bill pay '' service rather than through " ACH '' payments ... thus ... the justification for stopping the discount. 

we were never notified about losing the .25 % discount. 

our bank records show no " bill pay '' account ... just the original " ACH '' payments.
Consumer complaint received 2022-09-16
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. (TX)

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my credit report coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. here are the items that needs to be remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX,XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2018-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (KS)

I contacted XXXX XXXX XXXX, Operations Manager for XXXX , Inc. XX/XX/XXXX to inform him that XXXX , Inc. had placed an entry on my credit reports that had been paid to the original creditor on XX/XX/XXXX, I also faxed XXXX XXXX a copy of the receipt, and a letter from the original creditor XXXX XXXX XXXX XXXX XXXX Patient Access Manager XXXX XXXX XXXX verifying I had paid the debt to XXXX XXXX XXXX XXXX XXXX . I informed XXXX  XXXX that I never received a bill from XXXX XXXX XXXX XXXX XXXX nor, a collection letter, or phone contact from XXXX, Inc. XXXX  XXXX informed me that he would look into the matter, and that he was forwarding my information to his Compliance Officer XXXX XXXX XXXX . I received a phone call from XXXX  XXXX stating that XXXX XXXX XXXX after reviewing the documentation provided intentionally choose not to remove the entries to my credit reports. I am filing this complaint with your office to provide XXXX , Inc. the opportunity to rectify this matter before I take legal action.
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

In XX/XX/2019 I ran into a financial bind due to a XXXX health issue with my daughter. I called my Mortgage company Wells Fargo to see if there was an option to Skip a Payment. I was told to call the loan Preservation Department. The loan Preservation people told me there was nothing that they could do until I was 60 days delinquent but at that time they would be able to assist me. Due to the need for the money, I skipped my payment and at the 60 day mark I called the Wells Fargo PReservation Department back. I was provided with an application and told that I qualified for the program and that I would be receiving paperwork describing the plan. 
The Plan I received consists of reducing my payment by {$100.00} per month and adding 10 years to my mortgage at a cost of {$220000.00} for the {$3300.00} I owed Wells Fargo. They will not budge and allow me to pay this fee, the loan modification is the only plan they are accepting. I XXXX  Wells Fargo Mortgage Fraud and found that I am not alone here, Wells Fargo has this program and has/is being sued for $ XXXX in US Court, I need help, I want to pay the {$3300.00} owed, they won't accept any other terms and are threatening to take my home. Note that the letter provided by Wells Fargo states that all I need to do to be accepted by the Preservation Program is to pay three consecutive payments. Nowhere in the letter does it states that there is a 10-year extension to my mortgage
Consumer complaint received 2022-08-18
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The name listed on my credit report is incorrect. The address listed on my credit report are all invalid. 

My Name is XXXX XXXX XXXX. 

My address : XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2023-03-02
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: DISCOVER BANK (MI)

I am travel healthcare worker and need to book short term housing near the hospital I sign a contract for. On XXXX I prepaided for a month on what seemed like a nice short term furnished housing. Upon arriving at said " housing '' on XXXX I learned the property was not all what was described or shown. It was run down, dirty, unsafe and the pictures for the inside of the rooms were clearly taken from one larger room they had fixed up and used to list all their rooms. I talked with the owner of this old run down XXXX XXXX now under a different name and was lied to again about all the rooms being the same. This not the case since I found info on zillow that the square footage of the rooms are not all the same and thus they just trying to scam people. I stayed for a week before leaving and getting better accommodations. I asked the motel to charge me for the appropriate days, they refused and want to keep the full month stay of {$1400.00}. I started a dispute with my discover credit card on XXXX for {$1000.00} difference. On XXXX they claim the transaction is valid. I sign the paperwork they sent me to continue the dispute and less than a day later, again they say it is valid. I completely disagree and will not pay for a scam.
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc (IL)

I paid a merchant for a purchase made on XX/XX/2023. The bill amount was in XXXX, and the total amount was XXXX XXXX. PayPal 's buggy payment system charged me XXXX USD instead of charging the right amount after currency conversion. I contacted the merchant who is in agreement that PayPal did a mistake, and want the funds to be refunded to me. I tried contacting PayPal, and the phone line puts me on hour long waits with no resolution.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed the following accounts before, all to no prevail. The credit reporting agencies either put a remark on unauthorized accounts and/ or response stated " account verified ". Verified by whom?, and how, when and what certified documentation used to equate to your remarks and findings. I'm demanding the Method of Verification used in the process of this dispute, if this can not be provided then as stated within the literature of the FCRA these shall shall be blocked immediately. The disputed accounts are, ( 1 ) XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$0.00}, ( 3 ) Missouri XXXX XXXX XXXX   {$2600.00}, XXXX 4 ) XXXX XXXX XXXX {$0.00}, ( 5 ) XXXX XXXX XXXXXXXX {$0.00}, ( 6 ) XXXX XXXX XXXXXXXX, ( 7 ) Bankruptcy XXXX, {$0.00} Identity has been compromised please remove
Consumer complaint received 2023-01-24
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. (CA)

To Whom It May Concern, I have recently received a copy of my credit report. The report had an account listed from XXXX XXXX a credit card. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. I provided a identitytheft report and a police report, backing my claim and nothing happened. 

XXXXXXXX XXXXi ( Opened XX/XX/2018 ) I am writing this letter to you in an effort to get this removed. Please delete your information from my credit reports. I have never had an account withXXXX XXXXXXXX. Someone opened this account in my name in 2018 please remove it immediately before further harm is done. I am requesting that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me.
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX  of last year XXXX I took a loan out for a XXXX XXXX which was XXXX and was suppose to have an interest rate of 7 % the loan terms was I was suppose to pay XXXX a month for the 1st year and after the first year my payment was to drop lower. I paid them XXXX a month for the whole year payment didnt drop. I called capital one about this spoke to a customer service rep and they basically stated this is what not stated on the contract, you have to contact the company which sold you the car which was federal auctioneers which Is operating under multiple DBA this cause me to check the bill of sale amount and the amount they have on the contract which capital one refuse to provide to me. They only provide me with the amount of sale over the phone and the amount they provide for me over the phone does not add up to the bill of sale receipt which the car was sold for. I was only provided with a bill of sale no contract. The amount the car was sold for should be what the car was finance for plus whatever addition fees that comes with interest.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX stated verified but is reporting alleged account 2 times on credit report violation, XXXX Profolio recovery and XXXX bank fail to respond to documents requested stating they do not have to send them false enclosed AFFIDAVIT OF FAULT Portfolio recovery and XXXX ten days to respond back or any alleged obligation they think we have is null and void there after reporting without validation is a violation actual documents not hearsay paper work thats your opinnion.