davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC (OH)

I just recently married my husband and I am trying to help him pay off his credit card debt. We received a letter from the courts regarding garnishment of his wages. The company in question is Javitch Block LLC. I called this company about 2 months ago to get a balance on the account and also question if there are settlement options. I was told by their rep XXXX that typically when an account is in garnishment status, they do not offer settlements, however they always review offers. He indicated that not all offers are accepted, but we could always make an offer to pay in full to fulfill the debt. I told him I wanted to talk to my husband in regards to what we could afford if we made an offer, and that I would call back. I just called this company back today ( XX/XX/18 ). After waiting on hold for 23 minutes, I spoke with XXXX XXXX who told me that since the debt is being garnished, there are no settlement options. I explained to her what XXXX told me, and she confirmed this by looking in the notes in my husbands file, and told me that since the remainder of the debt was " only '' {$570.00}, they would not accept any offer. I asked her why? She said because the amount is so small. That amount is not small to me, and I asked her why I was told that their company accepts any offer for review. I asked her what would the process be if I wanted to offer {$100.00} to pay off the debt, and she said that she would review it, that it was just reviewed based on my verbal example of {$100.00}, and that it was denied, she was not accepting any offer I wanted to give them. She was very abrasive, and treated me as if I was beneath her simply because I was trying to make an offer to pay off this debt. Then she transferred me to her supervisor, XXXX XXXX, who clearly has been doing this job for way too long as he treated me worse than XXXX. He would not let me talk, finish a sentence, and wanted nothing to do with hearing my explanation. He kept saying that he was not hearing any offer, we are required to pay the remainder in full. Why was I told otherwise a few months ago? Why would they not want to settle a debt? I told him he sounded like he has zero patience for me, or my questions, and he cut me off saying that he was been doing this for 18 years, and that I could ask anyone he works with, he is the most patient person on the team. I told him to have a nice day and disconnected the call. I feel they lied, and misled me regarding making an offer to clear up this debt, and because I challenged them, they want nothing to do with working with me. I find it VERY hard to believe that if I offered them close to the full amount, they would deny it, but they didn't even give me an opportunity. Also their customer service is HORRIBLE. Just because we have an outstanding debt, does not make them better than us. I am very unhappy with my experience and feel awful for anyone who has to deal with their company.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello, to may it whom concerns I was running a small company test for less than 90 days before opening my business credit and debit card. There was an incident that happened with my company and the merchant that was involved to receive my payments so they could ship the products to my customers but they canceled the transaction prior when the purchased occurred. 

However, I have contacted the merchant company which was XXXX to asked what happened after a couple of days without my knowledge of knowing what had happened. I recall one of the customer service said the transaction was canceled within 24 hours so which clearly means the products didn't get fulfilled for my customers.

From this point I'm confident that they will release/refund my money which they did, they simply refunded within 72 hours. So which means banks release the money within 3-5 business days to my account.

I have waited for more than 10 days, I was like maybe something went wrong with the merchant so I contacted them and they said usually this takes 3-20 business days, so I'm satisfied and moved on with my month, 30 days passed and still, nothing is happening. I definitely contacted the bank and told them that I still didn't receive the money. 

I filed a claim dispute on XX/XX/XXXX. The bank reached out to the merchant on XX/XX/XXXX. Literary the bank took that much time to reach out, their word was " 90 days '' to get this solved. 90 days passed around XX/XX/XXXX, and they said : " we have to wait until 90 days for the merchant to get back to us. '' What totally made me reach out to you guys was, this has been almost more than 100 days since when they said " 90 days '' for the consumer, not the merchant. 

I would like my funds back. All I wanted was them to push that button and release my money to my account since the merchant already refunded me. I lost my trust with Bank Of America, I would like you guys to come in and help me with this case because they clearly give zero XXXX for the customers. 

Thank you,
Consumer complaint received 2021-02-11
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. (CA)

Back in XXXX I filed disputes with all 3 bureaus and still no change on my report. There are collections on there that should not be be on there and charge off too.. I do not understand why this hasnt been fix yet. What does it take to have something remove that should not even be on there in the first?
Consumer complaint received 2021-05-10
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. (IL)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2019-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALCHRO INC. (FL)

The company did not ethically do the right thing they didn't process the claim properly and tried to destroy my credit even though I disputed the medical bill and when I told them to process the claim properly IT GOT PAID BY THE INSURANCE COMPANY. They guys destroyed my credit because of their incompetency.
Consumer complaint received 2018-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

We applied for a loan modification the first time last year on XX/XX/XXXX, we got approved on XX/XX/XXXX and complied with the 3 month trial payment starting on XX/XX/XXXX of the amount of {$2100.00} and so on follows the months of XX/XX/XXXX and XX/XX/XXXX. And after XX/XX/XXXX payment they declined us because of Deed was not on our names. But I spoke to a representative informing me that we still had until XX/XX/XXXX to transferred back the Deed back in to our names. But once M & T Bank received our last payment of  XX/XX/XXXX modified payment which we mailed in our check before XX/XX/XXXX and thats when M & T Bank informed us that we were declined due to the deed not being in our names but again they never informed us that once XX/XX/XXXX payment was received by them that it was an automatic decline. At that point we had the deed transferred back into our names and were told that we had to start the loan modification process again. Now we were informed today on XX/XX/XXXX, that we were declined again now because they couldnt support the modification because of the lengthy time which had nothing to do with us. We had all the paperwork completed and turned in a timely manner. 

Thank you, XXXX & XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive been in contact with all 3 credit bureaus regarding this matter and they have ignored me. Ive reached out to them, XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. The bureaus have lied to me and have not done their due diligence to verify the accounts in dispute.
Consumer complaint received 2022-03-08
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. (IL)

I am writing to file a complaint against a collection agency, XXXX, Trans Union, and XXXX Credit Bureaus regarding reporting inaccurate information and providing fraudulent credit information. This disputehas been filed 4 times for a Collection Item from [ XXXX XXXX XXXX ] This is inaccurate because, the amount listed as a debt was paid in full to the original creditor ( XXXX in XXXX XXXX XXXX on XX/XX/XXXX. I have included a copy of the Move Out Statement from the original creditor dated XX/XX/XXXX that shows a balance of {$0.00}. I am requesting that this item be removed from my file. 

This is also inaccurate because, the balance owed of {$570.00} listed is wrong, as this was paid in full to the original creditor on XX/XX/XXXX. 

This is also inaccurate because XXXX XXXX has reported different amounts to the bureau weekly over 6 times between XX/XX/XXXX and XX/XX/XXXX. This amount should not be changed. 

I have forwarded the following documentation to the entities listed above to supporting my claim : 1. Letter to XXXX, XXXX, and Trans Union. 
2. Move Out Statement- Provided by the original creditor upon my move out. Listing the full payment of the amount owed of {$1100.00} dated on XX/XX/XXXX. I am requesting this be removed from my credit file or changed to reflect correct information.

3. Resident Ledger-Provided by the original creditor showing a corrected balance listed XX/XX/XXXX. This was sold to XXXX XXXX as a debt 2 months after the move out statement was provided with {$0.00} balance owed. I am requesting this be removed from my credit file or changed to reflect correct information.

4. XXXX Credit reporting- XXXX XXXX  XXXX stated I paid the collection amount in full to them and have a {$0.00} balance. This is fraudulent. I have not paid any amount to XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2021-12-29
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: AMERICAN EXPRESS COMPANY (PA)

The charge on XXXX XXXX for XXXX XXXX on XX/XX/2021 for {$79.00} did not earn 6x points for spending the card at a XXXX XXXX. A case was opened and on XX/XX/XXXX I live talked with one of the agent on amex website and the agent said that this charge is a valid XXXX merchant. However the agent on XX/XX/XXXX saying that I will not earn 6x points on the purchase. 
The charge on XXXX XXXX for XXXX on XX/XX/XXXX I received the bonus 14x points for spending the card at a XXXX XXXX. However I still have not received the {$250.00} XXXX resort credit for this purchase.
Consumer complaint received 2019-01-09
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. (TX)

TransUnion has 3 collection accounts reported on my credit profile. I sent them a Method of Verification request, which they received and signed for XX/XX/2018. 

By law they have 15 days to respond with the verification methods used to verify the accounts as accurate, otherwise the accounts must be deleted. 

As of the filing of this complaint it's been 20 days, TransUnion has not complied with my request, nor have they deleted the collection accounts in question. 

Per the FCRA, TransUnion must immediately delete these collection accounts from my credit profile.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consider this as a follow-up to my complaint to remove these items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX Please remove the items above for they are erroneously placed or reported in my file
Consumer complaint received 2022-03-09
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Hi, my name is XXXX XXXX XXXX I am having a problem with HSBC bank posting a debt on my credit report that doesn't belong to me. I had my identity compromised on the dark web back in XXXX  where there was a breach and due to this breach this account was opened up under my name in which I didn't find out about it until it was too late. I will provide the documentation below and the FTC complaint # is XXXX.
Consumer complaint received 2021-12-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

hello, my name is XXXX XXXX and I am a victim of id theft. Someone stole my personal information and rented an apartment in my name, the following account was fraudulently opened in my name : RESERVE AT XXXX XXXX XXXX XXXX  ) OPENED : XXXX XXXX I HAVE ENCLOSED MY FTC REPORT
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Law Office of Brett M. Borland, P.C. (AL)

XXXXXXXX XXXX XXXX -no action taken XXXX XXXX XXXX XXXX  handed collection over to Law Office of Brett M Borland , P.C . located in XXXX, Georgia and I am being sued in a state where I have never lived and I did not sign for this debt in the state of Georgia!
Consumer complaint received 2022-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

Did a search for help desk number for PayPal. The search led to a site with XXXX number. The person posing as a help center for PayPal, asked questions that seemed legitimate. Then tried to get me to pay fee for a credit card that was supposedly taken out through my PayPal account. The following was a text that they sent me : Thank you for calling Paypal Support. We really appreciate your time & patience with us. XXXX XXXX XXXX  is XXXX. 
Call back XXXX. 

XXXX XXXX, XXXX XXXX XXXX Thank you, Paypal Support. 

XXXX additional number they used. 

They hacked my PayPal account and tried to get funds out.
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Coastline Financial Resources, LLC (GA)

The following Company " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' has contacted my employer stating that they are going to serve me legal papers for a past debit from XXXX-XXXX. The are acting on behalf of XXXX XXXX XXXX ( XXXX ). 

When I XXXX the phone number XXXX and XXXX it reflects as scam. And we I XXXX XXXX XXXX XXXX   ( XXXX  ) its reported as scam as well. 

I dont know where to pay them or not as they are threatening my employer, never contacted me directly or sent any information by mail. 

I received only a settlement letter from them via email. 

Company Information : " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PH XXXX PH XXXX PH XXXX Settlement Sent on XX/XX/XXXX Amount : {$800.00}
Consumer complaint received 2018-08-09
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: CITIBANK, N.A. (FL)

In XX/XX/2016 ; I was living in a XXXX XXXX. I was XXXX XXXX XXXX   with my daughter. And, i also had XXXX XXXX year old boys. During this time ; my purse was stolen ; along with all of my personal information for my kids and I. I believed that the person responsible name is XXXX XXXX ; but that is all i know of the woman,. i have called XXXX and XXXX, and they have removed the fraudulent inquires without a problem. But, XXXX refuses. I will attach a screenshot of the companies that were contacted ; and resulted in hard inquires. I have contacted them each myself, and they all stated that they can not locate me in their system.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX of XXXX  I discovered incorrect information being reported on my credit report. I sent letters that were received on XX/XX/2022 about incorrect information on my credit report. As of XX/XX/2022 the incorrect information is still on my credit report. I am requesting that the incorrect information be removed from my credit report.
Consumer complaint received 2022-03-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc. (NY)

Sofi has changed my interest rate within less of a year of me establishing in the account. My account is enrolled in autopay. They issued a statement showing an amount of {$2000.00} was scheduled to be deducted on XX/XX/2022. Instead an amount of {$2000.00} was withdrawn from my account. When I contacted SoFi, on XX/XX/2022, to determine why there was an increase. I was told they made an error on my original application and applied a discount in the amount of .25 % twice to my account. I notified them of 12 CFR 1026- Truth in Lending ( Regulation Z ) where the lender is unable to change the interest rate during the first year of the account being establish AND after the first year, the lender has to provide a 45 days notice in writing prior to the changes going into effect. SoFi, has violated the terms stated in the Truth in Lending guidelines.
Consumer complaint received 2022-03-09
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. (MO)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX ), XXXX ( Experian ), XXXX ( XXXX ), has violated my rights.

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

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (TX)

I wrote 2 letters, one on XX/XX/18 and another on XX/XX/18, asking for the company to send me the some proof such as a contract with signature for the debt that they state is mine. I have received NOTHING as of yet. I have also asked them to send me their license and bond information to ensure that they are licensed to collect in the state of Texas. I have not received that either. It's been almost 2 months.
Consumer complaint received 2018-08-15
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. (CA)

I am a victim of identity theft someone has there photo on my drivers license info and has open several accounts under my name that are not mine Ive provided police reports social security cards signatures and a police report that states the dmv has a drivers license with my information and someone else picture equifax refuses to remove front report these fraud accounts XXXX  and XXXX  have removed these accounts equifax keeps trying to get me to purchase a credit monitor program from them I refuse so I believe this is why they will not delete them