davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

InXX/XX/2018 I took out a loan with XXXX XXXX ( through XXXX XXXX ) to pay for dental work that had been recommended to me. I later decided not to pursue treatment with that dental office ; however, with job transition and other matters I forgot about the loan until contacted by Portfolio Recovery Associates. They are seeking the repayment of the {$5900.00}, but I have disputed this amount with them due to my attempts to work with the dental office to secure a refund of the unused loan funds to XXXX XXXX. ( A small amount was used for lab fees, but most was not touched since I did not have the treatments. ) I have sent dispute emails to their disputes address, however they are ignoring the contents of my emails and assuming I am disputing the validity of the debt.
Consumer complaint received 2017-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

My Boat loan is through Citizens Bank of XXXX XXXX and had extensive damage during hurricane Irma. My insurance company immediately issued a check for the repairs on XX/XX/XXXX for  {$22000.00} dollars. Because of the lien on the boat I sent it directly to the Citizens bank of XXXX XXXX explaining the status of the boat and how important it was for immediate repair and requested that the check be be returned to me as soon as possible. I followed up on the the status of the check a week later and was told that they could not tell me the status even though I provided the USPS tracking number. I called again numerous times and was never given the status. Finally, after 6 phone calls on XX/XX/XXXX I reached a loan officer that told me I would not know when the check would be returned until the bank chairmen 's meeting. The bank has now had the insurance companies check since XX/XX/XXXX  The supervisor could not tell me when the meeting would be and not to call the bank again .... the bank would call me. Meanwhile I have a boat in XXXX XXXX that has only temporary repairs and could be severely damaged and possibly lost with even a moderate storm.
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I have sent many notices to PennyMac that I am adding an authorized user to my loan. They refuse. They hung up on me 2 times in a row.
Consumer complaint received 2017-01-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (FL)

I disputed this account via the XXXX, XXXX and XXXX. GM Financial verified my social security number with the credit bureaus but has not validated the debt. GM Financial has not validated this debt or any corrected the many inaccuracies that they are currently reporting. In fact, I do not nor ever have entered into a financial agreement with GM Financial. They have not provide their " chain of assignment '' either. I am attaching a detailed letter that GM Financial needs to address promptly.
Consumer complaint received 2021-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I requested a letter from the U.S. Bankruptcy Court XXXX  District of Ohio in reference to me filing for it in XXXX. I got a letter back from the Clerk stating that they do NOT report to ANY credit bureaus yet my Bankruptcy ended up on all three of my credit reports and has been for over 8 years. I got a message back from one of the credit bureaus that suggested that XXXX put that information on them. I sent XXXX a letter requesting 'demanding '' that they REMOVE said info from their data base and they did HOWEVER Experian, XXXX and XXXX REFUSE to remove said information even when I mailed them the same info I sent to XXXX XXXX 

XXXX had no business reporting my bankruptcy to the credit bureaus, they are NOT a credit reporting agency they SAID they are a consumer reporting agency which does not LEGALLY qualify them to report any financial information to any creditors or credit agencies.
Consumer complaint received 2020-07-11
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MD)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (OH)

On XX/XX/XXXX, I made a purchase online to XXXX XXXX using my husband 's debit card. Within 5 minutes, I cancelled the transaction with XXXX XXXX. I received an email from XXXX XXXX advising the order was cancelled. I called Key Bank same day and was advised the hold for {$690.00} would be released on XX/XX/XXXX. This did not happen. I called Key Bank on XX/XX/XXXX and was advised the hold would be released on XXXX. This did not happen. I called Key Bank on XXXX and was told the hold would be released on XXXX. In addition, I was advised that I should go ahead and file a dispute if the hold was not released on XXXX. I went ahead and filed the dispute. The hold was not released on XXXX. I called Key Bank back again on XXXX. I spoke to a Supervisor XXXX, Employee # XXXX. She told me nothing could happen because it was a Sunday and to call back on Monday to the same customer service number. Then, I could be transferred to the dispute department to have the hold released. I called Key Bank on Monday XXXX XXXX. I spoke to a representative who told me the fastest way to get this hold released was to do a 3-way call with XXXX XXXX, Key Bank and myself. So I did a 3-way call. I spoke to a Supervisor XXXX and after over 1 hour, XXXX XXXX had provided all of the authorization information proving the transaction was cancelled on there end. I was told by Supervisor XXXX that he personally went in and released the hold. I looked at my account later on XXXX to notice the hold was not released. I called Key Bank again and spoke to Supervisor XXXX again. She told me there is nothing else she can do. I may have to wait up to 10 business days for this to be released. This is not acceptable. I demanded she contact the dispute department, as she had advised me on Sunday, to have the hold released. XXXX came back on the line to advise the hold will be released today XXXX or tomorrow XXXX. This is not acceptable. Key Bank has held on to my money for 5 days now. I then contact the Key Bank Consumer Relations Department and spoke to XXXX. She took my complaint and advised someone would contact me in 24-48 hours. So, now at XXXX EST on Monday, XX/XX/XXXX, I STILL do not have my {$690.00} put back in my account.
Consumer complaint received 2017-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (WA)

The caller identified himself as someone from a debt collection agency ( unnamed ) and said my daughter owed {$250.00} to XXXX XXXX XXXX XXXX through named doctor who she had seen and had had outstanding debt at one time, so I thought it was legitimate. They had an old address for her, so I gave them her new address and phone number. I also told them we would need a copy of the bill. He agreed to send it and a settlement letter with a reduced amount ( red flag ) to my email, which I gave him. A little internet research indicates this is a scam. I did not provide SSN or credit card info. 

Caller 's name : XXXX ( with a strong XXXX accent ) Called my mobile phone from : XXXX ( says XXXX, TN ) He told me to have them call her at : XXXX
Consumer complaint received 2021-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I requested a letter from the U.S. Bankruptcy Court XXXX  District of Ohio in reference to me filing for it in XXXX. I got a letter back from the Clerk stating that they do NOT report to ANY credit bureaus yet my Bankruptcy ended up on all three of my credit reports and has been for over 8 years. I got a message back from one of the credit bureaus that suggested that XXXX put that information on them. I sent XXXX a letter requesting 'demanding '' that they REMOVE said info from their data base and they did HOWEVER XXXX, XXXX and Equifax XXXX to remove said information even when I mailed them the same info I sent to XXXX XXXX 

XXXX had no business reporting my bankruptcy to the credit bureaus, they are NOT a credit reporting agency they SAID they are a consumer reporting agency which does not LEGALLY qualify them to report any financial information to any creditors or credit agencies.
Consumer complaint received 2018-03-24
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. (NY)

I have contacted XXXX, Transunion and XXXX to file disputes on fraudulent activities, wrong personal information about me such as my name address information and other eronious items listed on my credit reports, that didn't belong to me, the latest dispute I filed with the credit bureaus were in XX/XX/2018, I disputed that there were innacuracies in the amount that was reported that I owe on my report for example one creditor by the name of XXXX XXXX  said that I had a {$300.00} credit limit with them but are reporting on my credit report that I owe them close to {$500.00} which is fraud plus they are the company that kept a {$90.00} security deposit from me and never gave it back but neither have they credited it back to me as a check but they kept it and have not account ex for it, this accounts is being fraudulently reported on my credit report, there are two auto loans that have been paid off in full and on time, listed as open and never late on my credit report, but the credit bureau is falsely claiming that there was a late payment and even though I spoke to the car company and they assured me that they did not report it as late and that it was the credit bureau, but when I disputed it through the credit bureaus they refused to delete it and will not remove it from my report, they're are names of Creditors that I do not recognize or I have never dealt with on my credit report such as XXXX XXXX XXXX, they even have XXXX   an car insurance provider on my credit report which I have already disputed numerous times but the credit reporting agencies still have these items listed on my credit report fraudulently, my latest dispute that I filed was in XX/XX/2018, and still no remedy. I am asking for help because my credit has been destroyed by thee credit bureaus and are causing me not to be able to obtain auto loans, mortgage for housing, and rejection from credit card companies etc, this is unfair and I want justice.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (CA)

I am a victim of identity theft due to fraudulent actions made by my ex-wife XXXX XXXX. As a result of the identity theft, which has been reported to all ( 3 ) credit reporting agencies in XX/XX/XXXX, I have made numerous disputes regarding the reporting of inaccurate information on formerly shared accounts with XXXX XXXX or existence of fraudulent accounts that were not opened by me. In XX/XX/XXXX I disputed the reporting for home address XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Account # XXXX ) but the dispute that was made was not received by Ocwen correctly and incorrectly interpreted as an identity theft issue which does not apply to this account. Ocwen did not respond to requests to correct the dispute on their end that would allow their internal teams to know that XXXX is not an identity theft victim account and incorrect option was selected via the original XXXX dispute submission. Ocwen responded to the credit report dispute for XXXX by erroneously updating information for an unrelated, separate mortgage for a home that I own individually at XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Account # XXXX ). This account was correctly reporting to the ( 3 ) credit reporting agencies as an Individual liability, but following the dispute for Account XXXX has begun to report incorrectly as a Joint liability with XXXX XXXX. I have submitted online written requests via Ocwen 's website to correct this error so that Account # XXXX will be corrected with all ( 3 ) credit reporting agencies and report again as an Individual account/liability. 

XXXX XXXX and I have been divorced since XXXX. She has abandoned the property and all financial obligations, which has been formally processed with Ocwen via an assumption several years ago. XXXX relinquished her rights and liability to the property again in late-XXXX when the 1st mortgage for account XXXX was modified. All financial obligation for account XXXX ( payments ), deed of trust etc. for this home is mine and should only be reporting to the credit reporting agencies as an Individual account as it was previously reporting. Example attached of the previous reporting, showing on my XXXX report that this Ocwen account was in fact an individual account and reporting made by OCwen to the credit reporting agencies reflected this.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have always paid my bill online every month with a bank and they always show that they receive my payment however, in 30 days sometimes they will send me notice that they never received the payment even when the website says they did. This has caused multiple late pays to show up on my report by no fault of my own.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NV)

This is my second attempt at seeking help. After this, I fear it might be futile. American Express sent me several invitations to apply for the Gold card, which I eagerly accepted. AMEX, being a top-tier company, made me excited and grateful for the opportunity. However, during the process of setting up my card and arranging cards for other users, I received a security alert, which I initially ignored. When I first called, I felt intensely scrutinized about my identity. Regrettably, I failed that verification and also the XXXX process. I have since faxed and uploaded a document they provided, along with my driver 's license, but I haven't received any confirmation. The only communication I've had is an email informing me that my account will be canceled in XXXX days. I'm deeply disappointed, as this card could have been a significant aid at this time. 

It's worth noting that I was approved for the Blue Preferred Card and everything is fine there, although the benefits and credit limits differ. I've made extra efforts, but whenever I call the team managing my account with the fraud department, I only reach a voicemail system that is perpetually full. If American Express doesn't see me as a desirable customer, I wish they would just state it plainly, rather than attributing it to identity concerns. My address and everything else checks out I've verified my credit report and it's all clear. I'm almost certain I'll receive an apologetic letter or email. Having maintained my credit diligently, being treated as unworthy is disheartening.
Consumer complaint received 2024-02-14
Product: 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: Neon Newco Corporation (AR)

I filed a dispute with Paypal Prepaid by Netspend on XX/XX/2024. The dispute was about my card being stolen and fraud charges were made on my account without my authorization. Charges where approved without the use of my personalized pin. 

I was told to write a letter within 10 days for a provisional credit while my claim be investigated. I submitted my letter of request, and I was suppose to get an update on XX/XX/2024. As of today I still have no update or support.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Franklin Collection Service, Inc. (CA)

XXXX XXXX XXXX  mistakenly sent a balance that I did not owe to Franklin Collection Services. I satisfied the balance as a sign of goodwill because this account has dramatically impacted my credit and financial well being. Upon satisfying the balance, I was told verbally that this account would be deleted from my credit. Please delete.
Consumer complaint received 2019-03-04
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. (NC)

Fraudulent accounts/ disputed with no results and lack of commitment. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I rely on paying my bills through XXXX XXXX. I also have several ebills set up with my Capital One Bank account. Over the past few months, I have been unable to use XXXX XXXX through their app. The app directs you to a web browser link which at least allows me to make a payment, but there are no ebills listed, notated, or found anywhere. I have called on multiple occasions to find out why I cant do basic online banking tasks and have been told Capital One is updating their XXXX XXXX. This has been going on for months and I am risking missing payments which in turn would affect my credit. The only way I can even see my ebills are if I log into my account from a computer/laptop. This is unacceptable in a Mobile phone world!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (CA)

Upon checking my credit report on XXXX XXXX I noticed a fraudulent account on my credit report I did mention to original creditor about this account but their fraud process was way to complicated to complete for me at the time at XXXX then they sold or transferred account to a collection agency Credit Collection Service account # XXXX wow this is not right they already sent me the paperwork which was to an address I was never associated with and I explained to XXXX this was not mine.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

We were scammed By selling our baby crib & they used XXXX & we received an email we had to send money to them to verify acct & XXXX would sent it back & they could pay us then. It was a scam & we lost {$500.00}. This happened on XX/XX/2022. 

Im trying to work with my bank but we cant be guaranteed that they will refund the money.
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (MD)

I've been going off and on for the last year to my XXXX and have never had a bill. When I did find out I had a bill for a copay which I was never told of. Two months go by and a company started blowing up my phone 2 to 3 times per day. Company name PAYACEI.com. I did finally speak to a rep and I explained what had happened and that I had paid the past due amount of {$26.00}. I check my credit this morning and see that the rep for said company put it on my credit anyway. Its a pain I have been struggling with my health and trying to build back up my credit to a good rating. I have researched this company and found them to be lawless crooks without morals. 

There company info as follows, PayAcei.com ( American Collections Enterprise , Inc ) XXXX. XXXX XXXX XXXX, VA XXXX XXXX or XXXX Thank you in advance,
Consumer complaint received 2017-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

On the XXXX XXXX XXXX I was called while I was abroad in XXXX. 
A country well known internationally for scammers stealing people 's private personal information and using it to scam people out of their hard earned money. 
As soon as the representive call me from portfolio recovery, and started to tell me the call is being recorded and is an attempt to collect a debt. 
I told her I was not in the united States and can not talk about the matter until I returned to the XXXX. 
She started to read out by personal information over the phone. 
Like my full name, my address, my phone number and my social security number. 
I asked her several times to stop as I 'm not on a secured line and my information can be stolen by scammers in XXXX. 
She refused to stop and continued, she kept talking over me, and kept saying it any ways. 
Wnen I realized she was harassing and battering me I cut the call for fear of her releasing further information over the phone.
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MD)

I was shocked when I reviewed my credit report and found a late payments for these two dates : XXXX 2014, XXXX 2014 I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statements did not get to me.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (CA)

I NOTICED A NEGITIVE ACCOUNT ON MY ACCOUNT FROM ( CREDIT COLLECTION SERVICE ), AND WAS DISTRUAT AND TAKEN ABACK THIS HAS HURT ME AND MY FAMILY TREMENDOUSLY, THEY WERE SUPPOSED TO PROVIDE ME THAT INFO VIA 15 USC 1681 THEY NEVER PROVIDED THIS WHICH MAKES THIS ACCOUNT FRAUDULENT.