davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account was on auto pay. XXXX says they stopped taking payments from my back account after having a letter they sent to me returned, although there was no change to my address. I made several requests for documentation of the returned letter in question to determine if it ever existed and, if so, to see why it was returned. They were unable to produce any documentation or explanation. I was unaware that the payments werent being debited as the emails they sent went to a junk folder. They admitted in my conversations with them that they never called my cell phone, which was accurately labeled as my current primary phone number, because their guidelines dont allow them to make automated calls to cell phones without some sort of prior authorization. Furthermore, they declined to have a human call me instead. Rather, they made three ( 3 ) robocalls to an old work number which was labeled alternate and no longer valid. 

So, in fact, XXXX did not adequately attempt to inform me by mail, phone and email that they were stopping the automatic payments, and therefore I was unawarecausing the account to inadvertently go into default. 

I wish to appeal and escalate this decision, so that the facts can be obtained and my credit report cleared of the negative reporting ( my FICO score decreased by 58 pts ) that resulted from XXXX negligence in this case. Please advise.
Consumer complaint received 2018-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I notified Wells Fargo that someone was using my debit card fraudulently. Part of the fraudulent transactions were credited back ( {$240.00} ),  however the following transactions have not been refunded to me as of XX/XX/XXXX : Transaction Date- Amount- XX/XX/XXXX {$4.00} XX/XX/XXXX {$18.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$59.00} The total of the transactions was {$130.00}. I called Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and twice on XX/XX/XXXX. Wells Fargo has refused to give my money back from from the fraudulent charges on my debit card. My Wells Fargo claim # is in the attachment. I have had the same checking account since I was XXXX years old so I have had my account 29 years. Wells Fargo is refusing to refund my money but they advertise a " zero liability '' program with their debit and credit cards. I am asking for assistance in recovering my money as I have spent countless hours on the phone trying to resolve this matter with no results.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

I opened a chase checking account on XXXX XXXX XXXX XXXX XXXX AZ XXXX with a bonus offer to get XXXX dollars to open a checking account. I met all the requirements on the coupon and chase refuses to give me this bonus because I have claimed it before. Nowhere on the terms does it say that is the case. It says not available to customers with accounts which have been closed in 90 days. My account was closed a year ago. Please help me on this. I met all stated requirements.
Consumer complaint received 2019-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (AZ)

I have set up my Great Lakes account to pay my principal after the monthly minimum payment. I set it up to directly go 100 % towards my token with the lowest amount. I called and got the run around on how to do this. I have started the process 3 months ago and my account is still not being allocated as I would like. I still have my excess payment paying interest after I called and switched it online to have 100 percent go directly towards my principal. They have it set up as paid ahead and I told them I do not want this I would like 100 percent to go towards my principal. They told me this can not be done. I know this can be done because I did this with my other student loans. I am also getting different answers on different days I call. The next step will be writing them a letter I got off of the Consumer Financial Protection Bureau that states in writing how I want my excess payment allocated.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (FL)

Cash App closed my bank account and refused to release my funds or give me a cashiers check for the funds in my account. They are holding my money and want me to only withdraw a limited amount of money per week. I am no longer a customer of theirs and they do not have the right to hold my funds after they chose to end relationship with me. They are using my money charging interest to people they lend to and I am not retaining any benefit. They are holding my funds hostage. I am losing money because I can not reinvest my funds.
Consumer complaint received 2019-05-14
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: MOHELA (CA)

My account was on auto pay. Mohela says they stopped taking payments from my back account after having a letter they sent to me returned, although there was no change to my address. I made several requests for documentation of the returned letter in question to determine if it ever existed and, if so, to see why it was returned. They were unable to produce any documentation or explanation. I was unaware that the payments werent being debited as the emails they sent went to a junk folder. They admitted in my conversations with them that they never called my cell phone, which was accurately labeled as my current primary phone number, because their guidelines dont allow them to make automated calls to cell phones without some sort of prior authorization. Furthermore, they declined to have a human call me instead. Rather, they made three ( 3 ) robocalls to an old work number which was labeled alternate and no longer valid. 

So, in fact, Mohela did not adequately attempt to inform me by mail, phone and email that they were stopping the automatic payments, and therefore I was unawarecausing the account to inadvertently go into default. 

I wish to appeal and escalate this decision, so that the facts can be obtained and my credit report cleared of the negative reporting ( my FICO score decreased by 58 pts ) that resulted from Mohelas negligence in this case. Please advise.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

capital one ( 2 different accounts, numerous emails to them and nothing back ). 
cap 1 reporting different things to credit report, with an address thats not mine ( in disputes ). 

per credit reporrt -- pfl ( profit for loss ). never got any information from cap 1! 

need to see letter validation that they pfl on these accounts and need to see why they are reporting a XXXX XXXX XXXX i dont know what XXXX XXXX they were sending too i need written caludation from them advising me of account being closed & them writing off for business loss
Consumer complaint received 2019-05-14
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: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting an incorrect coding of the XXXX XXXX partial account numbers XXXX. This account needs to be coded as an M1. ( Please see pages 6 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX, I received a phone call from XXXX XXXX, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXX I received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called XXXX XXXX on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that XXXX XXXX reported my mortgage account as delinquent 90-119 days past due. I then placed a call to XXXX XXXX  and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to XXXX XXXX  regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that XXXX XXXX has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from my account
Consumer complaint received 2016-06-03
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I submitted a request to transfer funds from my Paypal account to another person 's Paypal account on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received a notification from Paypal that the funds were transferred. I contacted Paypal on XXXX to ask why it took 7.5 weeks and I was never notified they were holding the funds. The rep apologized, said that was not their practice but could not explain why this would occur and suggested I send an e-mail to their Compliance Department. I did. No response. I called on XXXX and XXXX, with each rep saying I should have been notified and would look into it. I called on XXXX and requested compensation for the holding of the funds, the lack of notification and the lack of any response to my e-mail and phone calls, I was told the case is closed and I would be better off going to the Attorney General. 
Although, I am not out the funds I feel the practice of them holding funds for 7 weeks and their lack of notification should come with some penalty. Please advise if this is an acceptable practice. 
Thank you
Consumer complaint received 2019-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 2 and 3 of the attached credit report. ) This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NPAS, Inc. (TN)

WAS CONTACTED BY NPAS ON XX/XX/2018 AT XXXX XXXX ABOUT A BILL WITH XXXX HOSPITAL THE REP MADE ME MADE WITH HER SARCASTIC ATTITUDE. YES I SPOKE HER OUT TOLD HER THAT I HAVE BEEN WAITING ON A ITEMIZED STATEMENT FROM THEM 6 MONTHS HAVE NOT RECEIVED IT YET. SHE SAID WELL MAYBE YOU NEED TO MAKE A PAYMENT I SAID I WILL NOT BE DOUBLE DIPPED FOR MEDICAL BILLS.AND THAT I TOLD THIS TO THE OTHER COLLECTION AGENCY. SHE KEPT GETTING SARCASTIC AND I SPOKE HER OUT AND HUNG UP.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

Equifax is reporting on debts I do not owe. XXXX XXXX and XXXX XXXX debts are not mine! Equifax continues to report and verifies these items. I have requested proof of verification on multiple occasions, and they fail to send me any information. My identity was stolen years ago and made a police report. My police report # XXXX. I have never signed any documentation to these creditors.
Consumer complaint received 2021-02-26
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: General Motors Financial Company, Inc. (FL)

Gm financial is under my fathers bankruptcy with his wife. It shows up on my credit with no movement so it looks like I owe XXXX and I dont. I have nothing to do with this. XXXX XXXX and XXXX removed it but XXXX does not. I sent proof that it was under my fathers bankruptcy and the company still doesnt want to remove this from my credit.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I notified Mr. Cooper mortgage on XX/XX/XXXX to obtain payoff amount as I am selling. I was subsequently sent 6 different payoff quotes over the next 2 weeks back to back. My principal balance was {$32000.00}. Lender paid expenses were initially {$1100.00}. I began to receive payoff information back to back, and the principal stayed the same and my Lender paid expenses jumped to {$8900.00}. This company has had my mortgage for less than 2 years. 
I contacted them and was told on 3 different occasions that they don't know what the fees are for. One woman told me it was for the payments deferred for the Covid forebearance. They also stated they adjusted the dates for the time the forbearance began, which was XX/XX/XXXX. They back dated the start date to XX/XX/XXXX. I never contacted them for forbearance program until XX/XX/XXXX. 
Mr. Cooper support woman stated they " probably added the months of forbearance to lender expenses. They simply multiplied my monthly payments times 12 and added it to my payoff, which isn't correct as I only had the forbearance for 6 months. This brought my payoff amount from {$32000.00} to {$41000.00}. They informed the title company handling the sale of my home payoff is now over {$42000.00}. This is theft. I was advised they will also be keeping my escrow balance of {$2000.00}! Mr. Cooper is a predatory lender who bought my loan. There is no way they should be allowed to add {$10000.00} to my payoff.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (PA)

As of XX/XX/2022, before and after I have submitted numerous request to verify and update data as stated on current credit reports. Despite this the complained of agencies continues to update and verify false and incorrect data as you will see on my most recent disputes / complaint ( attached is a copy ) of the hard copy sent to XXXX, XXXX, Equifax and to guys concerning my issues.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

This bank is being very unfair with me and I feel discriminated against based of a previous account t I had with them which is closed was closed canceled I paid it off and recently applied for a card with them they refuse to process it check my credir giving internal reason about previous account this isnt fair this is not what they told me at the time of closure that I wouldnt be able to have a new account or reapply its not fair their credit dept treats me like garbage I want. My Hiltons card and they wont even process it their systems XXXX I regret nkt being a customer I want to comeback and be a Cardmember but they wont let me they refuse to process my application
Consumer complaint received 2019-05-14
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. (CA)

Contacted credit bureaus XXXX, equifax, and XXXX I disputed items that were inaccurate on my credit report, and my scores are low and should be in the 620 to 650 range, but I download proof of documents showing I'm no longer responsible for the accounts, after the investigation they tell me they are not changing the information because credit says it's accurate when it isn't. Then they bar me from reviling another dispute. I have so many inaccurate accounts on my report that it causes emotional and financial stress to me because I can not get approved for credit.. Then the equifax and XXXX reports the same accounts twice driving up my debt to income ratio for amounts that appear on my credit twice. I have requested by phone talking with a very rude representative who refused to delete the accounts they are reporting twice. For example I have an arrears of XXXX with XXXX XXXX child support. The report the same account not once but twice making it appear that I'm XXXX in debt with child support when I'm only XXXX in debt. Also they have not removed the debt from my credit report that was divided from a divorce. They care nothing about fair credit reporting laws. They are very snooty, very sarcastic, for example the representative laughs and tells me over the phone '' Ha! Go read and report us, not like anything is gon na happen. We get complaints all the time to the ftc they have not done anything yet. " .i mean I am terrified that the XXXX government allows these agencies to rule over our credit because their main focus is keeping us in poverty and not allowing us to excel..
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Portfolio Recovery is reporting a debt that was discharged on XX/XX/2011 and my attorney even sent a letter and email with no response, but its still on my credit report. Can you please help me with this matter. Portfolio Recovery Asso. XXXX XXXX XXXX XXXX, XXXX XXXX phone # XXXX
Consumer complaint received 2018-06-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Miller, Stark, Klein and Associates (FL)

On XX/XX/2018, this company called my mother 's house after repeatedly calling her cell phone. The call is a robo message stating " several complaints '' have been filed against me and my " cooperation is required. '' The " complaints '' are apparently but a single debt alleged that I owe. The pluralization of this single incident is intentionally false. Further, the characterization of a debt collection as a complaint and my cooperation being required together would lead any reasonable person to think the caller has some official capacity, i.e., governmental authority. This robo message fails to identify the person or the name of the company that is calling. This same message has been left for many others according to a cursory web search. This call also comes from a spoofed Caller ID number identifying the caller as " XXXX XXXX XXXX XXXX. '' Upon selecting 1, the call is transferred to a woman who gave only the company name. She refused to identify herself, state the nature of the business in which the company is engaged, or the company 's address. I was told to " go to XXXX '' and " do my homework. '' This failure to identify is improper.

This company has never given me written notice about any alleged debt. I do not owe anyone a consumer debt for which payment are delinquent. I believe this company has violated many provisions of Federal law. Additionally, they are not registered to collect debts in my state as Florida requires.