davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
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: Kikoff Inc. (NY)

This investigation is not right it has to violate some type of law. They have disregarded a police report that was sent out to them. They are not following human law. They are completely not caring or giving any insight into how it is even possible for this account to be on my report. This account is not right. I HAVE DISPUTED THIS ACCOUNT MORE THEN THREE TIMES WITH A POLICE REPORT THEY TOLD ME THAT THE ACCOUNT WOULD BE REMOVED BUT THEY NEVER EVER REMOVED IT. Its been more then to long for a fraudulent account to be on my report. If I dispute account as fraud it should be removed then a reinvestigation should take place. This is totally wrong why are y'all doing this to a loyal client it is FRAUD it is FRAUD it is FRAUD. I have attached a police report for the 4th Time this is not my account. Proof of my id & police report attached.
Consumer complaint received 2023-03-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (WV)

As of XX/XX/2023 ( date of complaint ), I am less than 30 days past due on a payment on my account with Ollo. I've run into minor financial issues due to the loss of my fiance in XXXX, but the past due payment will be resolved as of XX/XX/2023 ( all payments caught up to current ). Ollo has called my cell phone 14 times since XX/XX/2023, with some calls coming back to back. Given that the account is only 16 days overdue, this seems rather excessive and borderline harassing. I've had a good experience with this credit card prior to this incident, but this ordeal has put a pretty bad taste in my mouth and has put me off of doing further business with them.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OPORTUN FINANCIAL CORPORATION (NY)

XXXX CFPB, Oportun credit card payment scam issue number two. 

Please check out the screenshots for today 's current summary transaction. The summary transaction total is {$320.00} while in the oportun online account summary the current balance is {$1000.00} ( see attachment : oportun credit card XXXX XXXX ). This means when my autopay pay the balance at due date, it would be the scam number XXXX not the transaction sum of {$320.00}. 

Also, the credit card usage is declined already for no reasons. 

XXXX XXXX XXXX ssn : XXXX
Consumer complaint received 2020-07-23
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. (LA)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my TRANSUNION REPORT XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (OK)

I have a collection amount for {$360.00} through Caine & Weiner law firm, representing Progressive XXXX. I can not find the full account number, only the first six digits, and those are XXXX. 

I did have progressive as my Car insurance provider, until XXXX of XXXX. After that, I switched to XXXX XXXX. Progressive opened a collection claim against me on XX/XX/. 
I have bank statements showing two payments, one on XX/XX/XXXX  for {$120.00}, and another on XX/XX/XXXX  for the same amount. 
My Progressive account number was XXXX. When I try to login to their website, they no longer allow me access to any of my previous payment information, or information concerning the cancellation date of the Insurance they provided. Considering Auto insurance companies don't insure you on credit, and also that I have two payments on my Bank statement after they initiated their collection, either some or all of that debt is incorrect. 
I would like the collection removed from my credit report, and if I do owe them something, I will pay it, but I need to be able to validate the debt against my records
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

On XX/XX/2020 I had an appointment at XXXX XXXX. At the time the insurance payment was adjusted. The original charges were XXXX $ and with the adjustment insurance paid XXXX . I C Systems claims this is my debt and that it should be paid.
Consumer complaint received 2018-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (VA)

On XX/XX/XXXX, I received a letter from IQ Data International, advising me I owed a debt of {$13000.00} - related to a personal guaranty I signed on a lease for a business. This corporation ceased operations in XX/XX/XXXX. 

On XX/XX/XXXX, I faxed a note to IQ Data, advising them of the Release of XXXX, signed XX/XX/XXXX - and included the First Amendment to the Lease - highlighting the sections where my personal XXXX was released. 

On XX/XX/XXXX, IQ Data continued to pursue me for this debt that I had demonstrated I had no guaranty for - and I faxed a Cease and Desist notice to them. They have abided by the Desist letter - except for fraudulently reporting this debt as a derogatory remark to XXXX. 

On XX/XX/XXXX, I noticed the derogatory remark on my personal Credit report and faxed a letter to XXXX asking they remove it. I included the information provided to IQ data, and the First Ammendment to the Lease removing the personal Guaranty.

On XX/XX/XXXX, It seemed XXXX hadn't removed the derogatory remark - so I faxed a followup, this time including a XXXX County Court result - showing that in XX/XX/XXXX, the original ebt holder tried to sue me for these debts - and the Court found the case was non-suited ( i.e. it was unfounded and thrown out ). I hoped with this court result would assist XXXX  in correcting their error and removing the derogatory remark. ( Court Case Number : XXXX ) By XX/XX/XXXX, neither IQ data nor XXXX  had responded or changed their derogatory remarks, so I had a lawyer send a letter of demand to IQ data to remove the derogatory remark. 

It has been 10 days since that letter was sent, and no response has been received from IQ Data.
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NY)

I have a mortgage with SN Servicing Corporation. They refuse to accept any of my payments since XXXX. The last payment I have made was on XX/XX/2022. I made a payment of {$12000.00}. They keep refusing my payments and are requesting $ XXXX. I admit that I had a check that did bounce due to COVID, but after that, they won't take anything from me. I tried speaking with them and they continue not to take my payments which is causing more fees. I am not trying to be behind with my payments and trying to avoid foreclosure. It is unfair to have my home foreclosed when they will not accept any payments.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Recently I got a job with XXXX XXXX XXXX  as XXXX XXXX I was in constant touch with the hiring manager XXXX XXXX via emails and chat .I received a check for {$9200.00} from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX I was then asked to deposit the same in my personal account ( wells Fargo ) and issue a cashier check in name of a vendor XXXX XXXX XXXX XXXX account number XXXX ) and deposit it in XXXX XXXX  XXXX 

This hiring XXXX asked me to deposit the cashier check to the vendor in order to get the XXXX office Setup. 

The next day XXXX got email from my bank stating that I have overdraft ( negative ) balance of $ XXXX lost my existing amount ( {$950.00} ) in my bank plus I have to pay an additional overdraft amount to the bank. When I tried contacting XXXX XXXX XXXX they stated this as a part of a big scam and I was victim to this scam. No one from the company ever interviewed me, there was no communication exchange between me and the company.so the guy who interviewed me, send me check and the chase bank account holder XXXX XXXX who emptied my bank account was a fraudulent. 

So now I have to pay the overdraft amount of {$8000.00} to the bank. I understand I was the victim to this scam but I expected few actions from the banks end.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OH)

Upon purchase of our home we were given a 9.53 % interest rate and were not able to maintain our payments. We fell behind around XX/XX/XXXX and applied for a loan modification. We were recently approved for an increased payment and the same 9.53 % interest rate. Shellpoint services the loan on behalf of XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX - XXXX and stated that the investor will not lower my rate and Shellpoint said if I want to keep my home this is what I need to accept
Consumer complaint received 2021-06-01
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. (PA)

I have been working on my credit score and finally got it up to XXXX couple months ago then XX/XX/2021 it was a steady XXXX ; XX/XX/XXXX ; 2021 TransUnion dropped me XXXX points to a XXXX, because they said my one credit card increased by XXXX. But when I pay credit cards down they do not increase by 85 points nor is it reported.XX/XX/XXXX they also said my account XXXX XXXX decreases by {$140.00} yet I still dropped 85 points. They also say to maintain your credit score do not use more than total of 30 % total usage. They show XX/XX/XXXXmy usage is 29 % so how did I drop XXXX points. Total limit is XXXX. And balance is XXXX. 
I do believe some how this is systemic racism against minorities. My XXXX  friends score do not drop if balance on a credit card increase by {$90.00} and stripped 85 points. If do this with 4 more credit cards my Credit Score would be under 100. 
I havent missed payments in the last 7 months and TransUnion took 85 points off and even if I pay the credit card XXXX they will not increase my score by 85 points. I had this same credit card down to almost zero late XXXX early XX/XX/2021 and no increase with credit score. They just take drastic points off if you use. This takes months to achieve and they take 85 points off for one card not overall usage as they show under 30 %.
Consumer complaint received 2020-11-16
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: Nelnet, Inc. (TX)

I AM VICTIM OF IDENTITY THEFT AND THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE NOR CONSENT. I HAVE PREVIOUSLY FILED COMPLAINTS WITH THE COMPANY AND WAS REMOVED FROM MY CREDIT REPORT AND NOW IS BACK ON THERE UNDER A DIFFERENT NAME. THIS COMPANY IS COMMITTING FRAUD BY ME BEING VICTIMIZED OF ID THEFT.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I was on vacation in XXXX and lost my debit card. Someone subsequently took the card and spent {$6500.00} in less than 15hrs. I reported it and disputed the illegitimate transactions the following morning. They reversed the charges pending investigation. Then a week later they decided that the illegitimate transactions were authorized and reversed this decision and removed {$6500.00} from my account. I have appealed and escalated with supervisors at least six times. At certain points they were making up transactions. The last denial was based on a legitimate charge that I did not dispute which I stated was legitimate from the first day. The last conversation I had I submitted documentation for the legitimacy of the charge I was not disputing and they continue to deny the claim. I have been assured with each conversation with supervisors that this would be resolved. I can produce eyewitness accounts proving there's no way I could have made these transactions and was in a hotel in XXXX while these illegitimate transactions were taking place.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Experian has incorrect information my credit report. I have written them twice to correct the report errors, on XX/XX/XXXX and XX/XX/2018. The information contained the report is in error and has adversely affected my credit score. Further, it has resulted in an increase in my APR on my XXXX XXXX account. I have not received a reply to my letters in any form or manner. They show delinquencies which is incorrect, high balances on revolving credit cards which is incorrect ( all my cards with one exception have a XXXX balance ), they show I have recent personal loans outstanding which is incorrect, they have us residing at an address we have never owned or resided at. All of this was brought to their attention in my letter of XX/XX/XXXX and follow up of XX/XX/XXXX, with no response from them.
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TX)

I received another attempt to collect a debt which they can not validate. They sent a contract on XX/XX/XXXX dated XX/XX/XXXX that is unsigned. Nobody has provided evidence that I agreed to repay the price of a phone that XXXX provided free of charge. In fact, the bills provided show that the cost of the phone was waived in every billing cycle. Providing a bill or an unsigned contract does not validate that I agree dto a debt. The collections agent argued that the terms of service mean I agreedd. The terms of service I signed when I started with XXXX in XXXX do not mean that I agreed to every document they [ put into my account. There has been no evidence provided by XXXX or RPM evidencing that I agreed to repay the full price of the telephone should I discontinue service. Still waiting on a signed agreement for validation. An unsigned mortgage document would not constitute validation of debt. Unsigned " contract '' document provided for validation is attached here.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

I XXXX XXXX is writing in reference to an account that was recently closed by chime with an balance left in my spending account and credit builder account. They closed my account out of nowhere without access to my funds. I am now facing eviction and being without power due to Chime holding up my funds. I have XXXX kids and don't want to go through the hardship of being homeless because Chime is holding up my funds. I request that they expedite my funds so I can handle this eviction process.
Consumer complaint received 2020-09-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CT)

Primary complaint is that Wells Fargo Mortgage Agent XXXX XXXX ( ID XXXX ) requested that I sign a knowingly false document to  continue my loan application. 

Working on a mortgage refinance starting at the beginning of XXXX. Had already had a number of minor problems in the process. On XX/XX/2020, XXXX sent a XXXX XXXX with the wrong number of years and interest rate ( sent 30 year at 3.625 rather than a 15 year at 2.75, which is what we had discussed. ) When I notified him of the problem, XXXX requested that I sign the contract anyway so that a " new '' contract could be issued. 

I specifically asked if XXXX was requesting me " to sign paperwork that you know is incorrect. '' He responded yes. See emails from XX/XX/2020 - attached. 

I refused to sign the paperwork and contacted XXXX 's supervisor, XXXX XXXX, who generated a review by XXXX XXXX, Case Specialist, Home Lending Executive Office, ( XXXX, extension XXXX ). 

Ms. XXXX sent a letter dated XX/XX/2020, stating, " While researching this concern, we found that the initial disclosures were issued with incorrect information. We made needed updates to your application ; however, our system would not allow us to send updated disclosures to you, until you acknowledged the initial disclosures. '' This is similar to the statement made by XXXX XXXX, and I still find it highly suspicious. Wells Fargo requested that I sign a knowingly incorrect contract that " acknowledge the initial disclosures, '' which were wrong and would potentially have made me contractual obligated to the wrong number of years and interest rate. 

I consider Wells Fargo 's actions fraud, and consider their review as a dismissal.
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

FRCA Violation credit card CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXXY XXXX FRCA Violation enquiries XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards InquirXXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX, XXXX Removal date : May 2022 700 XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX FRCA Violation address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

On XX/XX/2021 I initiated a transaction with another user in XXXX. The transaction amount was {$2500.00}. I had the user refund the money through the XXXX interface. The balance of the transaction that was from my XXXX account was refunded but the remaining {$2400.00} was not refunded back to my account. I provided the bank, Citizens bank, with all of the tracking numbers that XXXX provided so they could trace the refund. XXXX keeps saying the card issuer has to find the money but the bank insists they are not responsible or liable for it. The bank has traced all the IDs provided by XXXX and concluded that XXXX issued and then recalled the refund. XXXX keeps saying it is a hold on the money and the bank has to release the hold. I have done everything both sides have asked of me. In an attempt to continue pursuing my money I requested something from the bank stating they had exhausted all of their avenues to obtain the money. The bank refused to provide this. The attachments show the repeated responses from XXXX as well as the rejected claim filed through the bank.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BTH Management (NC)

this is against plaza services LLC. ive emailed them multiple times and called them. they refuse to return many of my emails. theyve only answered their phone once whenever i called and have only answered a few emails. i tried sending them emails to settle the account with a settlement amount but to no avail. i want this off of my credit report and they refuse to work with me. how can i work with them if they never answer the phones or emails. willl be contacting NC DOJ soon about this matter if they dont comply
Consumer complaint received 2021-06-01
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. (NV)

XX/XX/, {$600.00} I have contacted Experian. They told me to file a police report. When I went to the police station I was told that the company XXXX XXXX was a collection agency. Meaning someone that makes up or buys peoples debt. Stealing information and putting someone else 's debt on me. While stealing my information.
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (AL)

-ENHANCED RECOVERY, XXXX XXXX {$750.00} Called at XXXX got a virtual agent, XXXX, XXXX transferred to an actual agent now at XXXX got XXXX. Being transferred to her manager who will be able to help us at XXXX got XXXX XXXX. Called to offer a payment in exchange for this being removed from my credit as I never received written notification of it. I was then transferred to the escalation team at XXXX. Got XXXX XXXX at XXXX XXXX XXXX, told me during this call that all letters were sent to my previous address, XX/XX/2020, XX/XX/2020, XX/XX/2020 were the dates the letters were sent to an address I havent lived at in years. I let XXXX know that none of these letters ever made it to me and tried once again to pay the debt if they would remove it, as they failed to send written notification to the correct address. I was told no.