davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Suttell, Hammer & White, P.S (WA)

I was issued an unsecured credit card by XXXX XXXX XXXX XXXX in XX/XX/XXXX, a credit limit of about {$5000.00} dollars.I made payments on the balances due until XX/XX/XXXX when I had a Baby, lost my job and could not continue payments.On XX/XX/XXXX, SUTTELL and HAMMER, PS a Debt Collection Agency, Sued me without properly notifying me of the lawsuit that a Judgment was filled against me for default on my XXXX XXXX XXXX XXXX, and they placed a LIEN on the Property my Husband owned prior to our marriage.Because Washington is a community property State, this LIEN has adversely affected my Husband 's Mortgage payments, our Credit and ability to refinance the Mortgage to get some money for immediate needed House repairs we occupy with our Kids. I had no knowledge about this LIEN until XX/XX/XXXX when my Husband tried to refinance his house.I reached out to SUTTEL and HAMMER, PS, the collection agency representing XXXX   who filled the Judgment to have the LIEN REMOVED on the property but they refused, they also threatened severe action against our Property, Unfairly threatened that if the Settlement funds comes from the Refinancing or Modification of the House, they would attempt to collect the principal amount plus all accrued Interest over the 10 year period.They insisted that the LIEN will not be removed until I pay the principal amount of {$6000.00}, filling fees, Attorney fees and interest fees, a total of {$17000.00} dollars. I explained my current financial situation to them that I am currently unemployed but to no avail.They wanted a Settlement of {$7000.00} before removing the LIEN on the house but gave me only 5 days to pay it or pay the full amount, they also refused any payment plan that I proposed.
Consumer complaint received 2019-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (PA)

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

MONEYLION INC . 


In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I made a payment on my credit cards from Capital One. Capital One accepted one credit card payment and applied the payment but has not applied the second payment. I called and asked why they had not applied the payment and Capital One told me that I had a reversed transaction and they would have to call my bank and verify the funds. I told them the same payment that was applied on the first credit card came from the same bank and funds are valid!!! Capital one has not applied my payment to my second credit card and I am still wondering why?!!!
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX it is closed and I would like it removed. XXXX XXXX, XXXX it is closed and I would like it removed. XX/XX/XXXX open on that day but was charged off on XXXX XXXX, XXXX would like it removed. XXXX XXXX open on that day but was charged off on XXXX. XXXX XXXX would like this removed.
Consumer complaint received 2019-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Made a sale via the paypal platform for {$150.00} on XX/XX/2019 buyer desputed transaction and made a chargeback i desputed and won the despute and reversed chargeback then paypal closed my account and placed a hold for 180 days 4 moths has past and talked to paypal over phoneXX/XX/19 and told them i need to withdrawal my money asap ... ..i came thrugh on my end shipped and all that and i won the chargeback despute its done case closed i waited enough i need my money its mine i need it
Consumer complaint received 2016-03-22
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (OH)

XXXX XXXX, XXXX : Company called place of employment to inquire about debt owed. I returned phone call and asked to remove work number from their contact list. 
XX/XX/XXXX-XX/XX/XXXX : Company resumed calling employer, despite verbal confirmation that work number would be removed from contact list.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-10
Product: Credit reporting 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. (MD)

Recently, I researched my credit report, which resulted in tremendous despair. I'm XXXX XXXX XXXX. This is harmful to my health and a defamation of my character. I discovered unverifiable, incorrect, erroneous, and doubtful data that your agency did not confirm to be 100 percent accurate. In accordance with 15 U.S.C. 1681e ( b ) ( b ) Accuracy of report, When preparing a consumer report, a consumer reporting agency must take reasonable measures to ensure the utmost possible accuracy of the information about the individual to whom the report pertains.

I am aware that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ), in general, inaccurate or unreliable information must be treated as such.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall ( i ) immediately delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) immediately notify the furnisher of that information that the data has been deleted or modified If you can not supply me with a copy of verifiable evidence within 15 days after the conclusion of your inquiry, you must remove the accounts and/or information specified below. Thank you for your assistance in this case. 
1. 15 U.S code 1692 ( g ) validation of debt XXXX Account Number : XXXX Please remove it from my credit report. 
2. Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. You are in VIOLATION of the HIPAA Act for sharing my security and privacy of health information. I NEVER given you any consent to report this. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian XXXX and XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Thank you for your cooperation
Consumer complaint received 2019-06-16
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: Experian Information Solutions Inc. (PA)

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

XXXX XXXX., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX,  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. 

These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (AR)

I applied for a Fortivia credit card. Over the year, I have held this card I have used it very sparingly. I have not made many charges on this account. When I did use the card, I paid my balance in full in the month I used the card. In XXXX of 2018, I noticed I was getting a bill for {$5.00} a month even though I did not charge anything on this card. I was advised that this was an account maintenance fee. I asked then to pay the entire XXXX a month for the account maintenance and was told I could not. I expressed concern at that time that the {$5.00} was being charged every month even when I did not use my card. I was told then that the {$5.00} account maintenance fee would just sit on the account accruing and could be paid when I made the next purchase with the card. I agreed to leave the account open to keep the buffer of overall available credit to help my usage score with the XXXX at that time with the understanding that I could pay the account maintenance fees that accrued at the time of my next purchase and they would not negatively effect me. Today I found out that they have reported my account delinquent to the credit bureau over account maintenance fees, not purchases, they would not let me pay all at once but spread out over months- although I had the means to pay all at once and attempted to do so several times. As a consumer, I should have the choice to spread payments or pay them in full but was repeatedly denied this request. Today, I attempted again to pay the maintenance fee in full and requested they reverse the negative reporting on the credit bureau. Again I was refused. 

This is not ethical and predatory behavior by Fortiva Credit. They are damaging my credit over a fee they will not let me pay all at once. I respectfully request that the negative reporting be corrected and my account be closed.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CO)

I had a Citi Thank You Premier credit card which was closed in XXXX XXXX. When it was closed, I still had XXXX ThankYou points that were accumulated but not used. When Citi closed the credit card account, I was told that the ThankYou point account and all the accumulated points would remain active and valid, since I still have a checking and a savings accounts ( both with Citi ) that are linked to this ThankYou account. However, I just noticed that the point balance is now XXXX on XXXX/XXXX/XXXX. I called Citi customer service today and was told that those points have expired because the credit card account was closed more than 60 days ago. Citi failed to inform me of this 60-day window when the credit card account was closed, and now they state that the points are forever gone and can not be brought back. Again, Citi did not provide me with any information on the upcoming point expiration date or ways whatsoever when the credit card account was closed, which is absolutely unacceptable.
Consumer complaint received 2020-09-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ASG Solutions LLC (IL)

ASG llc say my fiance owes a payday loan for XXXX. And if he doesn't pay by credit card over the phone they are going to put a stop registration on our vehicle with the county we live in. They keep changing the amount owed and they had our licenses plate on file. They keep calling me and not him.
Consumer complaint received 2019-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (VA)

On XX/XX/19 PNC Bank charged me an overdraft fee three times despite the fact that my account had a positive balance of {$19.00}. Those three fees ( {$36.00} each ) caused my account to be overdrawn, which then resulted in a cascade of additional fees, totaling {$390.00}. My account is now overdrawn {$680.00}, with {$390.00} of that being fees charged by PNC. PNC refused to refund the fees when I contacted them.
Consumer complaint received 2019-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello Consumer Finance. 

Tried to purchase some cigars from XXXX XXXX XXXX for {$520.00}, and some shirts from XXXX XXXX for {$450.00} last Saturday XXXX and pay for them with our Capital One BUY POWER CARD Master Card. 

Both Transactions were declined for payment. Was rather embarrassing as both my wife and I have excellent FICO Scores, and, always try to pay off all balances monthly. 

Called the XXXX and spoke to the robot, admitted to making both purchases, and went back to purchase both carts as the fraud alert had been removed. 

Tried XXXX again, and was declined. XXXX XXXX  transactions had went through but, most of the items that had been on sale had magically returned to their non sale pricing. 

Called XXXX again, and spoke with a XXXX, who was in the XXXX and asked, Why did you block my purchases due to suspected fraud activity? He indicated that he would try and get the block removed and if he could place me on hold for 2 minutes, to which told him no, and hung up. 

Tried again unsuccessfully to purchase my cart items at XXXX and called back and spoke with a Supervisor XXXX who ended up stating that they could not identify me and that I needed to prove my identity, would need to provide a mobile cell phone number that they could send a 6 digit pin to that I would respond with. 
Was so agitated and frustrated. 

Tried to use my wife 's credit card to purchase my cigars, which are only on sale for XXXX 's Day, and, whoever, blocked her card, or, the transaction as well. 

Thought it might have been dollar amount related, so tried to purchase a smaller amount of cigars at XXXX, with my card, and was denied also. 

Sent a complaint to MasterCard, and would like to enclose their response, as well as the XXXX 's response regarding this issue to you. 

Again, so frustrating that they feel that they have a right to prohibit a purchase for a lousey +_ {$500.00} dollars. Why? This is what we would like resolved if you are able. 

The experience has forced us to seek another credit card company, and hopefully, one that treats us with appreciation instead of oppression. 

Thank you for your time, Sincerely, XXXX XXXX
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

From XXXX to XX/XX/XXXX, I've even sent certified mail to all 3 B in its bureaus about my Name being wrong addresses. Wrong Loan info. Credit cards From XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX were supposed to be removed completely removed. I never had those cards physically. also Hard inquires i asked to get removed that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these are not mines or did i have knowledge of them being used or authorized. 
I want them all removed, and i want all hard inquiries removed please than you
Consumer complaint received 2019-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC. (TX)

XX/XX/XXXX a company I never heard of under confusing multiple names ( Halsted, XXXX XXXX XXXX ) that I do not owe but they claim they took over as I do not owe them anything indicated they are XXXX XXXX XXXX XXXXXXXX XXXX. WHile they threatened me that they will take legal action, damage my credit report. They also indicated I had to make a minimum of over XXXX on both acts as I informed them I wasnt working and in a hardship, they continued to move payments down to {$10.00} a month. I had no idea I could dispute the accounts until last month. They said I am required to provide my routing number and act number including my bank card number or they will pursue action. I provided this info to them as I was very afraid and felt threatened. First Payments were set up to take two {$10.00} payments ( XXXX and XXXX ) on XX/XX/19. I uploaded copy of the terms showing XXXX pmts set up and email, However instead they took {$19.00} on XXXXI did not authorize either payment. I called Halstead the day of and spoke with a male, XXXX accent, could barely understand what he was saying. He did say that I will be charged a ten dollar fee every month which was included in the payments, I said how dare you, you have no right nor did I authorize this. He hung up on me. I also sent a letter disputing both acts on XXXX XXXX, this company continued to take funds from my act,. I was charged overdraft fees, see proof for 2 months as to date. The refuse to leave my account alone. They have no right. I have been charged over XXXX in od fees as they refuse to cooperate and doing nothing but jeopardized my checking act where other transactions are not go through. I informed XXXX XXXX that these are illegal unauthorized transactions. First of all I never agreed to pay this company and extra XXXX fee for monthly payments so they can get rich. I have disputed both acts and the balance on these acts are false and nothing but a scam. They refused to provide me a copy of the agreements with XXXX and XXXX XXXX, refused to show my signature along with the bond showing they have the right to collect. They have caused me stress and issues with my checking and other acts by their lies and scam. They owe me over XXXX in od fess as to date.as Im tired of the threats and going into my act every month to take unauthorized funds. Not fair.
Consumer complaint received 2019-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (NY)

XX/XX/XXXX Federal tax offset amount {$1000.00} XX/XX/XXXX Federal tax offset amount {$4800.00} XX/XX/XXXX Federal tax offset amount {$5600.00} XX/XX/XXXX Federal Tax offset amount {$3700.00} XX/XX/XXXX Federal Tax offset amount {$4600.00} XX/XX/XXXX loans were consolidated by XXXX no business was done with XXXX prior to those dates. 
Payments were made during that time low interest rates occurred. Due to hardship loans were written off in XX/XX/XXXX. XXXX claimed they did no more reporting to the 3 Credit Bureaus after XX/XX/XXXX. Information was altered after that date per all 3 Credit Bureaus. What was once a signature loans made with a Bank was changed into XXXX as far back to a from XX/XX/XXXX During the Tax Years from XXXX XXXX- XX/XX/XXXX there has been a federal Tax Offsets. Totaling the amount {$19000.00}. I have contacted the Company Educational Credit Management Corp for any proof or a copy of Judgement that was ordered by a court. I have never received no response. Per XXXX Credit report it states the amount {$25000.00} that Educational Credit Management claims is closed and hasn't been updated since XX/XX/XXXX. Per XXXX   it states Loan ( 1 ) with XXXX is 100 % paid and closed and Loan ( 2 ) with XXXX is 100 % paid and closed. 

Due to recent events of Someone ( s ) attempting to use my personal information to apply for loans ( fraud ). I have received documentation in XX/XX/XXXX from XXXX XXXX and XXXX  that there are no outstanding credit card debt or outstanding loans owed. As well as a falsified Address being used in another State ( XXXX XXXX AR ). But yet Educational Credit Management Corp continues to take my Federal Tax return just as recent as XX/XX/XXXX. When I spoke to a Representive/Supervisor after XX/XX/XXXX she said I will never get my money back and she said I still owed well over {$26000.00} I am also sending a link of complaints filed with the XXXX XXXX XXXX from other consumers. 

XXXX XXXX XXXX Resolutions is I have made request for documentation for any Court Ordered Judgement, dates of proceedings and amounts which I have never received. 

I have requested the amount of {$19000.00} to be repayed to me which I was told I would never get my money back. 

I would also request that the other consumers complaints be investigated as well.
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MN)

I made a motel reservation for XX/XX/2019 thru Wyndham XXXX XXXX for a reservation at XXXX, Iowa. I was offered {$50.00} off my room reservation of {$75.00} ( includes taxes ) if I signed up forfor a TOTAL OF {$25.00} which I accepted enrollment in the Wyndham credit card. ( confirmation # XXXX ) Upon checking in at the motel I was told I had to pay FULL PRICE - not the {$25.00} total due which was shown on my confirmation upon enrollment of the credit card. I told the manager I was to get {$50.00} off but he said it did not apply. I don't appreciate this type of scam, dishonest, type of promotion. So I requested Wyndham to PLEASE CANCEL THE CREDIT CARD IMMEDIATELY. XXXX XXXX, Minnesota