davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/13 I contacted a supposed golden doodle dog breeder that had both an XXXX and XXXX page. I inquired about a puppy and they told me they had some. They asked for XXXX but to send a XXXX dollar deposit. They asked me questions and had me fill out questions about myself ( my address, phone, email, etc ). They asked me to send the deposit via PayPal as friends and families because that way I paid the fee and not them. I was told they would meet me in XXXX Ohio with my new pup. I sent the money through PayPal and I quickly learned after that I was scammed. There are no puppies. The sites are fake. The address they gave me is a home that belongs to a woman in Oklahoma who has filed numverous complaints because ppl keep showing up at her house demanding dogs. I have proof of all of this. I reported it to the FTC. PayPal refuses to refund me. They sent me a message to get the money from XXXX  XXXX XXXX my bank. XXXX  XXXX XXXX denied my claim because they said to take it up with PayPal. PayPal refuses to protect me. They say I sent it to a friend or family .... I absolutely did not. 
The fake breeder is under XXXX on XXXX and under XXXX XXXX XXXX on XXXX. They took XXXX dollars from me.
Consumer complaint received 2017-12-06
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)

This is a student loan dating back to XX/XX/XXXX with problems associated with my loan balance, loan type and documents containing false signatures/initials. My student loan with XXXX XXXX was transferred multiple times and the balances, type of loan and contracts kept changing without my knowledge. I was notified, via telephone call from the XXXX XXXX servicing department in XX/XX/XXXX that my student loan was among the batch stolen by an employee ( s ). I filed a claim with the credit reporting agencies. In XX/XX/XXXX my student loan balance should have been under {$25000.00}. My monthly payments and yearly interest payments for the past 6 years was not listed referenced. And, my Grants used to help pay towards the loan was not recognized by the lender ( s ). I have been going back and forth with XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX to date. I received several threatening notices about attaching my wages, income taxes and liens so I borrowed against my life insurance policy and retirement account in order to make monthly payments while I further investigated this loan. After contacting various consumer and legal agencies within the last 2 years, I discovered my account had been violated, contracts altered and my protected status disregarded. I ceased making payments and requested a total refund. I filed a claim with the various credit reporting agencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was able to reach a manager with XXXX XXXX XXXX who in turn informed me of attaching a Cease and Desist and returning my student loan to the original lender XXXX former name, XXXX XXXX to handle.
Consumer complaint received 2020-05-07
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: Comerica (TX)

XX/XX/2019 COMERICA BANK, REPORTED ACCOUNT ABUSE on XXXX. I had direct deposit every other Friday on my account. The night before my deposits would hit they would access charges on the account. I have called them and they did credit some moneys back but it would continue to happen and no one in the bank could figure out what was going on with my account. I soon had to close it and get another account at another bank so that I would not keep getting those unknown charges accessed on my account. I then received an CLOSURE STATUS WITH A BALANCE OF {$330.00} THAT HAS BEEN ACCESSED ON ME. No one in the bank would try to explain to me where these charges are coming from. I would like this dispute reviewed and this be taken off the XXXX
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INQUIRIES : ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX 'S XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XXXX ACCOUNT NAME : XXXX DATE : XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA-THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. THANK YOU
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I went to use my card on Friday XX/XX/XXXX and was unable to it said my account had been locked and I needed to call! I have called everyday since trying to get a hold of them nobody answers and I am unable to get my money.
Consumer complaint received 2017-12-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

After several different loans over several years, I am over the 15 day grace period on a payment for XX/XX/XXXX due to the holidays ( after 14+ months of solid payment history ). After this grace period, I started getting between 4-7 robo calls from the XXXX XXXX XXXX, every day, leaving no messages. When I do answer, no one is on the other line, only a message stating 'No one is available to take your call, please hold ' and then I am on hold for 5-10 minutes. I have asked to be removed from this automatic dialer, but was told without a promise to pay, even with my good payment history, I would have to endure the automatic dialer calls. I finally was able to pay, but am still receiving calls. I missed one payment out of a great payment history, and am made to feel like I 'm a second class citizen. I feel this is unnecessary and harassing. I am very dissatisfied and this has made me rethink getting another XXXX. I am attaching screenshots my phone allowed me to take of the calls as proof of the repeated calling. 
I am also uploading my payment history showing I do in fact pay within the 15 day window required to be considered in the grace period of on time ( as paychecks allow, sometimes it 's earlier than the XXXX, sometimes after ).
Consumer complaint received 2021-07-13
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: The CBE Group, Inc. (CA)

I am looking at my credit report and noticed a collection from XXXX XXXX XXXX XXXX company the date is was opened ( from what my credit report has on it ) on XXXX XXXX. The collection amount is XXXX dollars and I have disputed this before. For the last two years I have been living in supportive homes, transitional living homes recovery homes. However XX/XX/XXXX I have resided at a transitional living for women with children. I can prove that. This program is through XXXX XXXX. There is absolutely no way I am responsible for said debt. I dont pay for XXXX XXXX XXXX here the program does. I have been here at XXXX since XX/XX/XXXX. And I am getting ready to move into my own place, our very first apartment together. Two years i have worked on myself, I have obtained full custody of my kids, theres a lot of changes. My identity has been stolen. I also found out from XXXX  when I called to pay my bill for essential WiFi that there had been two accounts one both in my name but the other had a different address. I looked over my report on another site and it said i was part of the fire that took place up toward XXXX XXXX area. I literally live in the city and have I wasnt part of anything like that. This is frustrating. Ive spoke with XXXX XXXX XXXX after my first dispute, I didnt obtain any results but it says there are results. I can provide my ID to anyone my social security card.. anything to prove this is not my responsibility to pay. And honestly this is going to make it difficult to move into my own apartment and get XXXX XXXX XXXX on without an issue. 
Please help!!
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (NY)

I entered in a consumer credit transaction with Citibank on XX/XX/2020. 

Following that date Ive received numerous emails, none of which adhered to 15 USC 1692g. ( a ) ( 3 ) which states that a debt collector is required to send the consumer written notice within the first five days following initial communication stating that the consumer has the option and right to dispute the validity of the alleged debt. 
Pursuant to 15 USC 1692g. ( c ) -the fact that I, the protected consumer, have not disputed the validity of the alleged debt within the first 30 days, shall not be construed as an admission of liability.

Citibank has continued to disregard my rights by violating 15 USC 1681a. ( d ) ( 2 ) ( B ) - which states that excluded from a consumer credit report should be, " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ''. Pursuant to 15 USC 1602, the term 'credit card ' is defined as " ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit ''. The credit card used to initiate this extension of credit was my Social Security Card, thus qualifying this alleged debt as a transaction to be excluded from my credit report and also one which I, the original creditor and protected consumer, am not liable for. 
In addition, pursuant to 15 USC 6802 ( b ) which in summary states, [ that a financial institution may only disclose nonpublic personal information to a nonaffiliated third party if they have notified the consumer that such information may be disclosed, given the consumer the opportunity to direct that such information not be disclosed and given the consumer an explanation of how the consumer can exercise that nondisclosure option ]. Regarding this code, Citibank never notified me of my option to opt out from the reporting process or gave instruction on how to and has instead proceeded to report invalidated information regarding this alleged debt to the Credit Reporting Bureaus that damage my reputation and constitute fraud, since I never consented. 

All of this to say that the alleged debt is not mine to cover, since it is a consumer transaction that was initiated through my Social Security Number, much less be defamed over. 

I am aware that banking institutions dont have the power to extend credit and that it is actually I, the original creditor who is extending this credit line to this institution. I dont appreciate the misleading and false representations that Citibank has utilized in order to try to coerce payment from me regarding an alleged and now disputed debt, including the fact that initial communication and subsequent emails requesting payment have violated 15 USC 1692e. ( 11 ) by failing to disclose that they are attempting to collect a debt.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

XXXX is showing a negative account being reported from 2012! this should not be on my report.

Wells fargo delear services is also doing the same thing Please erase files off of my report. Account is being shown inaccurately and hurting my credit report. 

I am a hard working individual that never misses a payment. All of my bills are paid on time. I can show my credit report to verify. 

I will attache where my dispute was approved after a through investigation from another bureau. Both accounts have been deleted from other bureaus. 

Please help me. Many Thanks
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

I have opened multiple times of multiple dispute cases for XXXX unauthorized charges on my American Express Serve Prepaid Debit card since XX/XX/2021. They declined the dispute cases every time without any explanation. What worse is they permanently suspended my account after they declined my dispute on XX/XX/2021 because I keeping re-open those dispute cases after they declined me. I can not open any dispute cases any more and get my money back because of permanently suspended my account.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I affirm, under the penalty of perjury and the laws of the United States, that the preceding statement is accurate to the best of my knowledge. Furthermore, I confirm that I am legally authorized by both federal and state law to submit this dispute. I acknowledge that any deliberate misrepresentations or omissions of material facts are considered federal criminal violations, punishable under 18 U.S.C. 1001, and can also be punishable as perjury under 18 U.S.C. 1621.

The item identified in my credit report is not associated with any transaction I have conducted. I assert that an individual or entity, without my consent, utilized my personal information to procure goods, services, or funds, resulting in the creation of this account. The inclusion of this account by the debt collector violates my rights and has led to personal distress and damage to my reputation.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (ME)

This is related to a refinance of a condo in North Carolina with Mr. Cooper ( Nationstar Mortgage ). 
The purpose of the loan was to refinance and remove XXXX borrowr ( ex wife ) from note and title. 

The Closing was remote taking place with a notary in Maine who came to my house and my ex-wifes house for signature. 

The closing was on XX/XX/XXXX with disbursement on XX/XX/XXXX ( this is an investment property and I signed after XXXX PM ). Settlement Agent was XXXX XXXX XXXX. 

On XX/XX/XXXX i recieved an Email from the title agent that a date was missing from a document and that my loan had not funded. The agent said the lender was requiring this document to be printed and dated ( by me ) and sent back to the lender via email before funding could take place. 

I work in XXXX, and have never heard of funding being held up for a missing date on the Borrowers Emploment Attestation. Couple things on this : 1 ) I was counting on the 1,000 from funding from a finamcial perspective. This caused issues for me as I was counting on that to be in hand.

2 ) The notary hand dated all the documents before we signed. My assumption is that he missed this document. My feedback would be to ( 1 ) make sure to date them all ( to the extend that is permissible ) and also review eaxh document in real time at closing to confirm proper execution.

3 ) I was on vacation wheh this all happened and the day I was home i printed the doc at XXXX  ( had to drive 20 minutes each way ) and sent back. 

The loan was funded on XX/XX/XXXX. The processor was good through this process, but I felt this might be a violation. Holding up funding for a bank/title agent error.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (PA)

My ATM card was used in California ( in person ) but I and my card was not in California I live in Pennsylvania. I filed a dispute with Ally but Ally determined that the it was a valid transaction. I called the company that charged me, They have multiple call centers under multiple names and it was pretty obvious that this was a scam but Ally did not see it this way. I called Ally multiple times to resolve this with the evidence I had gained but they refused to deal with it saying they could not re-open the dispute. So now I have no recourse. I know for a fact that this is a fraudulent transaction.
Consumer complaint received 2020-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (GA)

I never received the required 30 day dubbing letter about this account. It just appeared on my credit and I didnt have a chance to challenge it. I dont know what this is. 

This is a violation and most likely illegal.
Consumer complaint received 2022-04-01
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Contacted Carrington mortgage XX/XX/2019 to check status of the mortgage assistance request I emailed and faxed Carrington 3 weeks ago. I was told by Carrington customer service they stated they had not received my documents and financials for mortgage assistance. Recently I have faxed and emailed my documents 3 additional times and they are still saying they don't have my documents.

I feel and know Carrington is unwilling to work with me and they are giving me the run around.
Consumer complaint received 2017-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ID)

Ileagalally forclosed on mortgage, I faxed receipts to them that they said I did not pay, They tried everything to steal my house from me. Including having their agent go to the door and tell my renters that it was being foreclosed and that they would have to move. 
I had to pay attorney fees late fees foreclosure fees they raised my interest rate. I moved back to Idaho completely rearrange my life, Hurt my XXXX while moving.
Consumer complaint received 2021-07-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2021-02-08
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by Mr. XXXX who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months I need you to update XXXX  that this Bankruptcyneeds to be removed, they are still reporting it on my credit report andciting your company as the furnisher of this false information DESPITE numerous communications indicating that this is inaccurate info. 
XXXX  also refuses to update my personal information on my credit file, they are blatantly ignoring all communications sent to them to resolve this conflict. I have sent numerous letters to them and no response or update on my comments nothing.
Consumer complaint received 2019-11-07
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: Automated Accounts Management Services (ID)

I have disputed a medical collection multiple times due to inaccuracies. I just now received mail from the debt collection agency that proves they obtained my protected health information. This company has my specific lab tests I had done, as well as my symptoms and the treatments I received. I never consented for the hospital to share any of that info and the debt collector AAMS shares this with other entities. I have tried another dispute with added documentation that the dates of this debt are wrong and that the only identifying thing from the collection agency about me, were my symptoms and treatments and tests. Cant reach a real person at XXXX. I want this fraudulent and invasive account removed from my credit report immediately. I have already filed a HIPAA complaint against the medical provider involved.