davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I ended up with 3 seperate transactions on my Bank of America Prepaid Unemployment Debit card.

I did not authorize on my government prepaid unemployment card. The card was immediately blocked. Ever since I have not been mailed a new card and have been told that I won't get one until I speak to the risk department which doesn't answer the phone!. I have waited on hold for 2 hours 3 days in a row now. Once the 2 hours hits the phone automatically hangs up on me!! This is my unemployment money ... My only source of income! And I can't touch my money right now or pay my bills!. 
The charges were by Your XXXX XXXX. I have never heard of this company. It is video games of some sort. I have called this company and left messages saying these were not authorized purchases! I haven't heard anything back!! 
I am at my wits end!! I need to pay my bills so my utilities don't get shut off!! 
Please Help!! 

Thank you!! 

XXXX XXXX
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: GreenSky, LLC (CA)

Approved for XXXX XXXX XXXX XXXX up to {$15000.00} on XX/XX/22 for a promotional period of 6 months. 

No card received, unable to use loan amount as of XX/XX/22. Thats is a XXXX of the promotional period amount.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I have contacted Experian on XXXX occasion- XXXX XXXX XXXX XXXX XXXX explaining to them that the Bankruptcy on my credit report is incorrect. I have submitted proof from XXXX XXXX show the bankruptcy is not on the report as well as a document from the XXXX New York XXXX XXXX stating they do not provided information to the credit bureaus. Experian continues to say they have verified the information from the courts and XXXX. But how is that possible- they are clearing lying and providing me with incorrect information. I am in the process of trying to purchase a home and I will not be able until this is cleared up. Please see attachments
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. This is so unbelievable! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well whatever the reason, I'm beyond bothered. I have sent my FTC report and my Police Report to them but still nothing has changed. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Consumer complaint received 2020-05-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (AZ)

Collection Agency, Caine & Weiner has NEVER supplied me with written verification of this debt from the original debtor, XXXX XXXX. 

On XX/XX/2020, I spoke with a supervisor XXXX at XXXX who explained to me that Caine & Weiner is contracted by them to " manage '' their collection debt. 
Supervisor XXXX further told me that my account is available on the XXXX  website and that Caine & Weiner has access to this information. 

Yet, Caine & Weiner has never provided written verification or sent a link to this information at any time I have requested it. The information Caine & Weiner has sent via mail was a bill, NOT an accounting of payments as I requested. 

Supervisor XXXX at XXXX tells me the account is still active and is not solely assigned to Caine & Weiner, yet Caine & Weiner, a company contracted by XXXX reported they had no access to information regarding this debt. 

Caine & Weiner has lied to me and the CFPD in stating they could not provide an accounting of payments. 

Further, XXXX, informed me that I could pay the debt directly to XXXX making Caine & Weiner 's reporting of this debt to the credit bureaus invalid as they are assigned to " manage '' the debt. 

Either way, I was NEVER provided a written accounting of this debt by Caine & Wiener,  or a contract with my signature validating this debt as I requested.
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The collection agency is Portfolio Recovery. They have been calling multiple time a day from different scrambler numbers. Their hours of operation are XXXX Eastern Time. I live in California and they are calling me before XXXX. At XXXX.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX has incorrect hard inquiries on my Equifax credit report. They are showing inquiries from XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my Equifax report. The inquiry date is XX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.
Consumer complaint received 2017-07-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

We have been participating in a lender approve short sale previous through XXXX XXXX XXXX and now through Carrington Mortgage Services since XX/XX/XXXX. Our loan was previously sold to Carrington from XXXX XXXX XXXX in XX/XX/XXXX while in negotiation for a VA Approved short sale. As part of the loan package a loss draft insurance claim that was issued in XX/XX/XXXX was given to Carrington mortgage Services identifying roof replacement as the single cause to damage to our property. Due to the hardship that has fallen upon our family we have been unable to replace the roof with out in any assistance from the insurance company. Upon notice of transfer of loan in XX/XX/XXXX we informed Carrington of our short sale status and the roof claim. Carrington inform us that they did not have the complete package from BOA so that could not issued or find the claim. The potential buyer 's insurance company would not issue a new policy on the house without the claim being settle, so we unfortunately loss that buyer ( Buyer1 ). In XX/XX/XXXX we contracted another buyer ( buyer2 ) to purchase the property. We confirm we Carrington Mortgage Services, that we had a purchaser, we receive approval for the short sale. Carrington Confirm that they have received there paperwork, and could issue the check for the roof. As of XX/XX/XXXX. No check had been issued. Our second buyer cancel, due to no policy being able to be issued on the property with a pending claim for roof again. We contacting Carrington again they told us they were processing the claim but need more information for the insurance company. We engage the buyer again, ask to come back in to the contract and give us more time. We were given an additional 15 days to close. As of XX/XX/XXXX Carrington still had not issued the partial payment for the insurance claim needed to get the contractor start to repair the roof. The buyer cancel again .... We now have engage a third buyer ... based on the same approval given by Carrington set for a closing date of XX/XX/XXXX. At this time Carrington sent another appraiser out to visit the property for a liquidation sale as of XX/XX/XXXX. Carrington and XXXX XXXX XXXX while approving us for the short sale, did in every instance avoid allowing us to sell the home. They intentionally held up the issued claim that has cause us to lose a total of XXXX contracts. If they did not intend for us to sell the home, why have they put us through so much grief and inconvenience. We only ask that we be allowed to sell our home. Please Help US, we have done everything they ask. the amount of XXXX and grief this has cause of family is enormous.We just want to be able to sell.
Consumer complaint received 2018-01-12
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: SYNCHRONY FINANCIAL (FL)

I am aware of the child support being on my credit report since Ive jus been notified that my credit score has changed.. So I looked and I see a Wal-Mart/ credit report and I do not even have an account or anything to do with the Walmart credit report.. Would like to dispute this case because I am not aware nor knowledgeable about this credit report I know have on my case for Wal-Mart
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

This complaint is against Paypal and Paypal Credit ( operated by Synchrony Bank ). 

Paypal Credit is charging me a {$30.00} penalty fee since I could not pay the minimum amount due on the due date.

Paypal had all the banking information, and because of an online issue, my bank account details were lost by Paypal. I have tried to call Paypal several times since XX/XX/2023 and tried to resolve the linked bank account issue. The Paypal Credit is only accessible from the Paypal App / Website, and Paypal Credit ( synchrony Bank ) does not have a separate screen where we can add our bank account details. 

Paypal Credit inherits the bank details from PayPal and has the same branding as the two websites. I have tried to talk to Paypal and Paypal Credit at length to resolve the issue, but Paypal Credit says it is a PayPal problem and vice versa.

This increases my burden on payment processing and dispute resolution as I have to contact two companies to resolve the same issue. It also feels like a very deceptive business practice as PayPal owns my transaction relationship, not PayPal credit.

I want PayPal and Paypal Credit to reverse the transaction and credit the inquiries they have made. I also want a written letter from Paypal and Paypal Credit that this issue has been resolved and that they are implementing harmonized business practices that do not harm hapless customers moving from one call center to another.
Consumer complaint received 2021-05-22
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)

TransUnion has lowered my score for the following reason : Score Factor : Open real estate account balances are too high compared to their loan amounts I have never been late in paying my Mortgage, and it is not fair to considerably lower my score to XXXX from more than XXXX for the above reason because it is not true. 

Also, TransUnion is the only credit report company that has unfairly lower my score. 

XXXX and XXXX did not lower my score. 

Please, I need your help. 

This is not fair to consumers as we work hard all our life to maintain a high credit score.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

I would like to dispute the report provided by Citi and request that you investigate the matter further. I have attached several documents for your consideration. I had been a customer of Citi since XX/XX/XXXX and was in good standing paying this bill until XX/XX/XXXX when Citi abruptly transferred my account to a credit collection agency. When I contacted Citi, I was told that it because I had requested debt relief. I informed Citi that I was not involved in any debt relief program. An authorized user on my account did contact a debt relief agency. Even after I proved that my account was not part of any debt relief program, Citi did not restore my account. After trying for 4 months to get the issue resolved by contacting Citi and the Better Business Bureau in New York ( Complaint ID XXXX ), my account was restored ( brought back from the collection agency ). I was never notified by Citi that the account was brought back and would close again with 30 days if the delinquent balance was not paid in full. I paid two payments and the account transferred for a second time. I contacted Citi again and was told that the transfer happened because the account was still delinquent. I have contacted the Better Business Bureau twice about the way the manner in which my account was handled. I have been contacted by Citi 's Home Office in a bogus attempt to rectify the matter but the Rep tells me what I already know which is that the account is delinquent. Citi NEVER rectified its mistake by transferring my account in error in XX/XX/XXXX. Yet, I am paying the penalty with this delinquency being recorded on my credit report. The account was not delinquent when it was transferred in error in XX/XX/XXXX
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MONEY SOURCE, INC., THE (GA)

From XXXX to present I have complaint and made several attempts to correct the inaccurate information by way of CFPB and the three Credit Bureaus. I have not problem with The Money Source not reporting monthly to the bureaus, however the truth in lending should prevail. 

I've had a mortgage with this company since XX/XX/XXXX, which is current and in very good standing. I did a loan modification in XXXX and in XX/XX/XXXX I filed for a Chapter XXXX which discharged in XX/XX/XXXX. 

During that time my attorney and I was not notified that a reaffirmation was needed, The Money Source has taken a position not to report to the credit bureaus because of this ; however, the way they have chosen to report is the crux of the problem. 

They reported that my loan ( XXXX ) closed in XX/XX/XXXX, which is a total fabrication. I have no problem with them not reporting monthly. However, they conveniently omit I am currently paying this " SO CALLED '', closed mortgage at $ XXXXsince the said closing. 

I want them to tell the truth ... that I am paying as agreed and nothing else ; sense it is their position and prerogative not to report monthly. Instead of fabricating and falsifying damaging lies in the interest of fair reporting I demand that they tell the truth, a statement of " paying as agreed '', is not ask in too much. Because it is the truth.
Consumer complaint received 2018-01-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (FL)

I have tried calling for 2 months to set up a payment plan with XXXX XXXX. All I can do is leave messages with them. PHEAA told me they can not talk to me. They told me I have to talk with XXXX. XXXX will not return my calls or letters. I have not received any communication from them. In fact, they had my address listed as something in Mississippi. I am just trying to pay them.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i am a victim of identity theft. Please see indentity theft report attached. I have consistently disputed fraudulent accounts that are results of identity theft on my credit profiles with all three credit bureaus, and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles.
Consumer complaint received 2018-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (TX)

I was contacted earlier in the year by a representative from Iberiabank. I left voicemail but never received an answer back. 

In XX/XX/2018, I received a voicemail from XXXX and attempted to call back but there is either a long hold or when I press 1, it hangs up my call. I can not reach anyone. I also received an email to my Iberiabank account but could not login at all. I have been having issues logging into Iberiabank for a long time, especially since losing access to electronics from Harvey. 

Finally, I received a mail notice from Iberiabank on XX/XX/2018 stating that my account ( XXXX ) was being charged off due to an extended overdrawn status in the amount of $ XXXX. I had no idea my account was in this status until XX/XX/XXXX. Why was I not mailed a notice before then? Any call attempts I had were no good.
Consumer complaint received 2018-01-08
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: Nelnet, Inc. (FL)

Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (TN)

I am a victim of identity theft. An account with XXXX Bank for a store called XXXX XXXX XXXX was opened in my name several years ago. I notified XXXX Bank that this debt was not mine and was due to identity theft. After an investigation the account was deemed fraudulent and removed from my credit report. A debt collector named CREDIT CORP SOLUTIONS INC has attempted to collect this debt that was not mine even after the original creditor acknowledged that the account was not opened by me.
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (TX)

I do not know why I have two collection accounts with your company. I have checked with XXXX XXXX who took over XXXX XXXX XXXX ( the facility that I was seen at ) they have no record of these bills. I have no idea where the charges came from, what they are for and if insurance was bill properly. Can you please provide validation of the accounts that are showing up on my credit report? I just find it very strange that the medical facilities do not have a record of these charges or me owing anything. I spent over an hour on the phone with them trying to figure out where these bills/charges originated from.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am actual person and consumer. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. I request that the accounts provided below be deleted from my credit file immediately for the following reason : ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. FURTHERMORE, DUE TO EQUIFAX RECENT ERRORS IN CREDIT SCORE REPORTING, I AS A CONSUMER HAVE NO CONFIDENCE IN THE REPORTING OF MY INFO. 

ACCORDING TO 15 USC 1681 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

FOR ALL OF THE REASONS ABOVE I REQUEST THE FOLLOWING ACCOUNTS BE REVIEWED/DELETED. 

Accounts : 1. DEPT OF ED / XXXX {$750.00} 2. DEPT OF ED / XXXX {$5500.00} 3. DEPT OF ED / XXXX {$2700.00} 4. DEPT OF ED / XXXX {$3.00}, XXXX XXXX. XXXX XXXX XXXX {$650.00} XXXX. XXXX XXXX XXXX {$13000.00} Account : XXXX XXXX XXXX {$9300.00} - I HAVE NEVER BEEN LATE ON THIS ACCOUNT. ALL LATE PAYMENTS SHALL BE CORRECTED AND UPDATED.
Consumer complaint received 2022-03-11
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: Synovus Bank (FL)

Ive sent in several dispute over the past six months. For some strange reason first progress XXXX XXXX bank continues to ignore my dispute as soon me letting him know that I never on these credit cards they were open as fraudulent someone stole my identity not sure why I have to keep continue to do these speeds at this point Im not sure what else I need to do feel like my back is against the wall so therefore I will be making a complaint with the attorney generals office
Consumer complaint received 2024-05-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Global Trust Management LLC (MI)

On XX/XX/XXXX and again on XX/XX/XXXX the debt collector contacted my ex spouse and released information about me and the nature of the call and contacted at XXXXXXXX XXXX local time