davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

You did not have a problem category that exactly matched with my experience. Here is my problem. On XXXX XXXX, XXXX we received a letter in the mail from Citi about our credit card account. It said that we are to be issued a credit which represents a refund of certain fees previously billed to our account for a discontinued credit monitoring program previously offered by Citibank N.A. It went on to say that " a statement credit of {$140.00} representing the refund amount has been applied to your account and will appear on your statement within two billing periods. '' It is now 4 months later and no credit of the expected amount ( or any amount ) has ever been posted to our account. I called and spoke with a rep at Citi. He told me that the credit has been given to me. I asked him for the date of the credit posting and he said he did not have that information. He then referred me to a different phone number and it turned out to be a robot system that was unable to help me. In other words he " blew me off ''. It is apparent that Citi is dodging this issue.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

In wake of the Equifax hack I froze my accounts with all three credit bureaus. The pin that Equifax provides is not even close to being secure. It contains the Day, Month, Year and time that the account was frozen which is easily guessable and not considered a Personal Identification Number. This company is not even trying to protect consumer data. Something needs to be done about it. 

XXXX XXXX XXXX
Consumer complaint received 2020-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I posted my timeshare week of XX/XX/20 - XX/XX/20 on XXXX for my XXXX XXXX XXXX XXXX XXXX for {$2300.00}, and specified " no refund for cancellation ''. On XX/XX/20 I rented to XXXX XXXX and she used Paypal to pay for rent at {$1900.00}, Around 1 week before check-in day ( XX/XX/20 ), she wanted to cancel the vacation and asked refund of {$1900.00}, I told her that there is no refund, because XXXX didn't close the resort, and I didn't stop her taking the vacation, according to Federal law, if she cancelled it, then she can not get the refund even it's beause of COVID19, According to Paypal that she filed an " unauthorized transaction '' with her bank ( or credit card ), so Paypal put an - {$1900.00} on my Paypal account without hearing my side of the story. I tried every way possible with Paypal ( online chat, message, emails, ... ) to resolve this matter to no avil, The money matter is between Paypal and my renter XXXX XXXX 's bank which I have no idea who that is, and I can't talk to her bank. So I desperately need your help to solve this problem, Thanks.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I have a security freeze on my social security number with all three of the major credit bureau companies, as a result of a fraud in XXXX. With the data breach at Equifax between XXXX and XXXX of XXXX, I am unable to find out from Equifax if my stolen data provides someone with enough information to lift the freeze. Equifax 's incident response line is unable to answer my question. That is an unacceptable response. They allowed my data to be stolen. They should be able to tell me whether or not I am at risk of additional fraud.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-10-25
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. (MD)

The vehicle loan was traded in to a car dealership and it still appeared under my credit report after XX/XX/2017. The derogatory comments should be removed from my credit because the title was transferred in XX/XX/2017.
Consumer complaint received 2017-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (NJ)

I received correspondence from this company twice. Both occasions, after requesting validation of debt, and not receiving the validation in a timely manner, or return phone calls, this company filed suit in Special Civil in XXXX County, New Jersey. Let me be clear, at no time did I deny the debt was mine ; I requested validation so that I could compare my information to the information I was being sent. Under the Fair Debt Collection Practices Act, ( " FDCPA '' ), it is my right to request validation of debt. This company ignores those requests. I honestly do not know how their clients can be so clueless as to allow them to continue to do this sort of practice of debt collection.
Consumer complaint received 2019-10-25
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. (MD)

The vehicle loan was traded in to a car dealership and it still appeared under my credit report after XX/XX/2017. The derogatory comments should be removed from my credit because the title was transferred in XX/XX/2017.
Consumer complaint received 2019-10-25
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. (MD)

The vehicle loan was traded in to a car dealership and it still appeared under my credit report after XX/XX/2017. The derogatory comments should be removed from my credit because the title was transferred in XX/XX/2017.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

I am a XXXX years old. I applied for modification of my mortgage four years ago when it was serviced by XXXX XXXX Company. I agreed to a modification in which my payment would be {$480.00} per month including my insurance and taxes, I was told if I make four payments of that amount, I would have a permanent modification. I sent XXXX the four payments, then I sent another two payments. XXXX was taken over by Flagstar bank. Then I was notified that my payment would be {$520.00}, not including my property taxes or insurance. This was not affordable and not what was agreed. I did all that I was asked to do and it seems like it was a bait and switch. I then worked with Flagstar trying to get a modification that I could afford, I sent my documents in four times, they kept making me resubmit them, only to tell me in the end I did n't qualify. I have the fax confirmations to prove it and can provide the information if needed.
My home was sold in foreclosure sale and purchased by Flagstar bank for {$40000.00}. I can afford the first modification amount of {$480.00} and if they had lived up to that contract I would still be in my home. This has caused a tremendous amount of stress on me and has impacted my health. I do n't want this to happen to anyone else. If a company buys another company, they should live up the existing agreements, they also should not require homeowners to submit their documents time and time again. It wastes time, but more importantly is playing games with peoples lives.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (IL)

Sensitive personal information has been compromised while under the care of Equifax. Like many others, I am part of the alleged 143 million people who have had my personal compromised and my credit and identity are now at risk. The breach was announced on the week of XX/XX/2017. Equifax has been entrusted with sensitive information yet was too inept to protect it from outside sources. Allowing this to happen and then not announcing it until weeks later is an egregious offense.
Consumer complaint received 2017-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forster, Garbus and Garbus (NJ)

I received correspondence from this company twice. Both occasions, after requesting validation of debt, and not receiving the validation in a timely manner, or return phone calls, this company filed suit in XXXX XXXX in XXXX County,  New Jersey. Let me be clear, at no time did I deny the debt was mine ; I requested validation so that I could compare my information to the information I was being sent. Under the Fair Debt Collection Practices Act, ( " FDCPA '' ), it is my right to request validation of debt. This company ignores those requests. I honestly do not know how their clients can be so clueless as to allow them to continue to do this sort of practice of debt collection.
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (DE)

Equifax-Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. ''
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

I wrote a check from my checking account with PNC Bank to pay an energy bill XXXX & XXXX XXXX XXXX amount of {$310.00} dated XX/XX/2023. The check was stolen in the mail and deposited in a fraudulent account in the amount of {$3100.00} and taken out of my account. The bank assured me they would refund me the {$3100.00} because it was clearing handwritten out on the check as XXXX XXXX XXXX and XXXX/XXXX PNC Bank insured me the transaction of refunding the money would take no more 120 days. 

After not receiving the money I went to bank each month, spoke with several managers and filed XXXX affidavits which have been notarized the last one XX/XX/2023. At this point I have exhausted all avenues to try to get this resolved. 

The police report was filed on XX/XX/2023 and the police have found the person who did this and there is a summons out for his arrest. The office also offered to speak on my behalf to PNC Bank and the bank only wanted the police report file #. 

Thank You in XXXX for any help with this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (AR)

American express serve/XXXX  XXXX prepaid cards are the main cards that most people I have talked to are haveing problems recieveing the economic impact payment. Why can't the IRS deposit payment to my card? This is a problem state wide. I followed email instructions from American express serve to check the status of my stimulus payment but each time ends in error. American express bank lenders who ever is responsible needs to fix this problem so people can receive there available govt funds. I did everything right but still no money had posted to my card. I am tired if waiting I need my money.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Equifax and XXXX is reporting inaccurate information about an account to my credit report. The creditor is XXXX account # XXXX is being reported with inaccurate late payments as well. This account should not even be on my credit report and needs to be DELETED IMMEDIATELY! I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. This is not my account. I have no knowledge of this account 15 USC 1681b
Consumer complaint received 2017-08-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

I have been complaining to the cfpb ... ..you guys ... .for years ... .XXXX??? You guys have been closing out all my complaints ... .i have disputed them all ... and you have them closed out because ocwen sent you their paperwork??? Seriously??? My home has been foreclosed upon ... i have been complaining to the cfpb for years ... .and you guys close my complaints???? Like ocwen has made things right with the paperwork they choose to give you!!! Ludicrous!!!!
Consumer complaint received 2017-09-01
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: Experian Information Solutions Inc. (GA)

Notified Experian regarding inaccurate information on 4 tradelines. The results that were sent to me showed no changes to any of the 4 tradelines. 

The letter was received by Experian on XX/XX/XXXX. I received their responses on XX/XX/XXXX.  This is the correspondence that shows no change to the inaccuracies that were pointed out.
Consumer complaint received 2022-02-08
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. (GA)

To Whom it may concern. I am submitting this complaint on my own there is no third party involved. I checked my credit report and i saw i had some fraudulent items on my report. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S.C. 1681c-2. Please see attached FTC report.
Consumer complaint received 2021-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I sent an email to the CEO of Capital One - XXXX XXXX inquiring about how Capital One solicited constant emails, voicemails, advertisements surrounding the coronavirus pandemic, and that they were there to support me and assist me during these extenuating circumstances - which I have to disagree. 

Over the course five months I contacted Capital One Auto Finance on several occasions between XX/XX/XXXX through XX/XX/XXXX with regards to my financial situation surrounding the covid pandemic and had requested an extension on the loan and was denied each time. During the course of one of my calls I was told I could get a covid extension by applying online - which gave me hope - and I even had a representative walk me through how to do this - however, I never had the option pop up in my online portal with Capital One. 

I expressed to the CEO that due to the loss of my job - which was directly related to the coronavirus pandemic - I had financial difficulty making my monthly payments and had tried calling in for being considered an extension on my auto loan. After losing my employment I had to wait for unemployment which also took more time than expected due to the high unemployment rates in correlation to the coronavirus pandemic. During this time of being unemployed and waiting for unemployment to kick in I was reported late to all three major credit bureaus for the months of XXXX, XXXX, and XXXX of XXXX. 

In conclusion - due to a direct result of being impacted by the covid-19 situation financially with being laid off, having to collect unemployment, I reached out to the CEO of Capital One to be considered for a goodwill gesture in relation to being reported 30 days past due for XXXX, XXXX, and XXXX of XXXX and asked if they would kindly remove those negative remarks. 

I have friends and family that had received extensions on their auto loans with no issue and some of those loans were relatively new and in this case I feel as though I am being discriminated against. There was no reason as to why Capital One could not have granted me at least one month to say the least. They constantly were reminding me they were " there '' for me - but every time I would seek assistance I was denied. I feel that this was deceptive behavior and was given " false hope '' during one of the biggest pandemics as a nation we have ever seen.
Consumer complaint received 2020-04-18
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)

On XX/XX/2020 I applied for the COVID-19 SBA relief funds and was denied because of my credit score being under 640. After calling XXXX XXXX they explained to me there was an auto loan account that is behind as well as some collection accounts. These accounts do not belong to me and I have never lived at the address these accounts are associated with. I have called the companies to report the issue and I have also filed a report with XXXX XXXX Police Department. Please remove these accounts from my credit report quickly so I can apply for the disaster  loan.
Consumer complaint received 2017-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NV)

I answered the Debt Collectors in writing and asked for proof of the debt, i.e. signed contract, etc. They replied with another letter stating I still owed the debt, but they were willing to work with me if I started making payments.
Consumer complaint received 2020-04-18
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. (CA)

On XX/XX/2020 I applied for the COVID-19 SBA relief funds and was denied because of my credit score being under 640. After calling XXXX XXXX they explained to me there was an auto loan account that is behind as well as some collection accounts. These accounts do not belong to me and I have never lived at the address these accounts are associated with. I have called the companies to report the issue and I have also filed a report with XXXX XXXX Police Department. Please remove these accounts from my credit report quickly so I can apply for the disaster loan.
Consumer complaint received 2021-09-06
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: EQUIFAX, INC. (FL)

I am a victim of fraud, I have a fraud alert on my credit report and have disputed several inquiries with equifax, and XXXX with no resolve. Please see the following. 
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Consumer complaint received 2017-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I answered the Debt Collectors in writing and asked for proof of the debt, i.e. signed contract, etc. They replied with another letter stating I still owed the debt, but they were willing to work with me if I started making payments.
Consumer complaint received 2017-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

In XX/XX/XXXX I consolidated my XXXX loans because I applied for the PSLF ( Public Student Loan Forgiveness Program ). I worked at XXXX from XXXX-XXXX which is a XXXX XXXX public service company. I qualified for this program so my consolidated loans were transferred to XXXX XXXX XXXX. Under this repayment plan you have to make 120 qualifying payments on a RPAYE Plan and never late. After 120 payments your loan balance is forgiven. I had 20 qualifying payments while being employed at XXXX ( as stated in a letter I received from XXXX XXXX XXXX on XX/XX/XXXX ). Last Friday, XX/XX/XXXX I received a letter in the mail 2.5 years after qualifying for the PSLF Program, that this employer did not qualify for the PSLF program. XXXX XXXX XXXX took away my 20 qualifying payments and it is currently at XXXX. They are stating this is because their compliance department determined that XXXX is not a qualifying company. The is 100 % FALSE and they refuse to work with me to resubmit an investigation. I have documentation to support that XXXX is a XXXX XXXX XXXX public service XXXX company and does in fact qualify for the PSLF Program. You can clearly find on their corporate website XXXX that this is a public service company!