davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Credit card or 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 (TN)

On XX/XX/2021 XXXX at XXXX XXXX   XXXX XXXX received a text message stating that {$250.00} had been transferred from my savings account into my checking account. Then at XXXX XXXX  I received another text message that {$250.00} have been transferred sir bird from my checking account in to  discount into an account owned by XXXX XXXX. Upon waking up at XXXX XXXX contacted netspends 800 number to inform them that I did not make this transaction, Their office was closed and  the voice message informed me that they did not open until XXXX XXXX. I called the XXXX inform them that the transaction that had taken place I did not authorize nor conduct and I received a text message at XXXX XXXX  while holding for the net span customer service to report the transaction as fraudulent. The text message I received at XXXX XXXX  stated stated do not use your card card as there may be a problem with your debit card please contact customer service. I explained to the customer service person that I did not conduct the transactions after which that representative tried to transfer the funds back into my account from that account of XXXX XXXX. The representative told me that the funds were no longer available in they're available in that account.. I opened a dispute transaction with the representative and was told that it would take up to 10 days to complete the dispute and possibly get the money back into my account. The representative told me that the funds were no longer available in they're available in that account.. I opened a dispute transaction with the representative and was told that it would take up to 10 days to complete the dispute and possibly get the money back into my account. As of today XX/XX/2021 the funds have not yet been added back to my account and I have now been told by net span customer service that the funds will not go back into my account because they did not find an error and an error. I have escalated the transactions and the rejection of my dispute with netspend to their higher investigators respond. I have been told that that can take up to 10 days and I am awaiting my funds to be released back into my account for the amount of {$250.00} that was stolen from me in the wee hours of the morning and that netspend is saying they have no error showing that the funds were not conducted by me even though they sent me a text message stating that there have been some odd activity with my card do not use my card until. I have told them I need my money back now!
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (NC)

We experienced a financial hardship after Hurricane Florence and have letters from BB & T stating that we were approved for Forebearance starting in XX/XX/XXXX through XX/XX/XXXX. We sold the house on XX/XX/XXXX. On that date, BB & T falsely reported to XXXX that we were 120-149 days late which made my credit score plummet. We called repeatedly during the Forebearance to make sure that no payments were due and that everything was good. They reassured us all was well. I am very upset about this. This will take time to fix and until then, I will be wrongly penalized if I apply for any credit. 

Not only this but we continuously received letters from BB & T during the Forebearance telling us we were in default and that actions would be taken if we didnt pay the outstanding past-due balance. That was very misleading and when we called them, they asked us to ignore those letters as they are system letters. These should NOT be sent to customers like us who followed the correct process and continued to receive incorrect letters.
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

At the end if XXXX I received my mortgage escrow analyse. It appears that there was a shortage of {$800.00} on my escrow account. My payment was going to go up {$150.00} this year which I could not really afford. I called my mortgage company on XX/XX/XXXX of this year to ask about the shortage. They told me they mistakenly had left off my home owners insurance payment and that caused the shortage. They told me I could repay it back with in 24 months. I told them do that and that I would also like the bank to pay part of that shortage because it was their mistake. Throughout XXXX they never changed the repayment to 24 even after several phone calls and they refuse to reimburse for their mistake.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

Early in the month of XXXX I received an offer to apply for a branded visa card from Chase a Mariott Visa Platinum. The application was subsequently denied on XX/XX/XXXX for the following reason " Your credit repot reflects a bankruptcy '' and this information was apparently obtained from XXXX. Well I don't have a bankruptcy on any credit report and just like it happened with XXXX XXXX last XXXX it appears both banking giants have and use internal historical information which may be illegal to use. My credit score per Chase denial letter is at XXXX and they go on to state a mirad of made up jargon to cover where they actually got this supposed bankruptcy from. If the FCRA is crystal clear on what credit can be denied and from what sources is obtained then how is it that Chase is able to do this. It seems they are flying above the law. XXXX XXXX in their denial did the same thing even going as far as claiming they had pulled the credit report from someone else with my same name last name, social security # and address match. I have contacted all three major credit reporting companies and none have of the information for which Chase has denied me. XXXX XXXX did go out of their way when I threatened them with informing the government and did issue a credit card with a some what low credit line just to cover their backs. 
In the end it seems banking giants are keeping internal records about individuals in order to circumvent the law. This not only seems illegal but is also offensive.
Consumer complaint received 2020-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NC)

Recently, a collection agency name Radius Global started reporting a {$1500.00} collection account on my credit report. I have no idea what this is, nor what it could be. Prior to this account appearing on my credit report, I received no notification from the collection agency at all. No calls, letters, e-mails, or anything. Since I was never given an opportunity the address this supposed debt, prior to it being reported, the collection agency is in violation of federal collection law.
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 — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

A XXXX XXXX XXXX mortgage account XXXX XXXX XXXX XXXX was paid in full. This established account should be accounted for in my history. But, XXXX and EQUIFAX are NOT including this account in my history but rather is reflecting my credit as NEW and as a result is causing my scores to be lower. If it was derogatory, it would be included!!!!
Consumer complaint received 2019-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I am a first year XXXX XXXX with my loans serviced by XXXX XXXX. When I graduated medical school in XXXX, I began making payments towards my loans on the REPAYE ( income based repayment program ) through XXXX XXXX servicing. My loans were transferred to XXXX XXXX at the end of XXXX because I applied for Public Service Loan Forgiveness which is run by XXXX. During this transition, my loans were placed in administrative forebarance by XXXX without contacting me. I called the company to clarify the reason for this and the customer service rep informed me that this was a necessary part of the transition and that I should wait for my monthly payment to be posted to my account. At the end of my admin forbearance, I was surprised to find that the outstanding interest of my loan ( {$2800.00} ) was capitalized. From my understanding, interest should not capitalize after administrative forbearance, especially since I did not consent to this. I again called XXXX to gain clarity and/or reverse the capitalization. I was told by a customer service rep that this interest was incorrectly capitalized and that she would be submitting a request for review - she mentioned this process may take up to 90 days for resolution. I received the following email message stating this : XX/XX/XXXX : " An administrative forbearance was applied to your loans and does not accrue interest during the period of XX/XX/XXXX to XX/XX/XXXX. '' I waited for 3 months for this to be resolved, trusting that it would happen based on my earlier conversation. In XXXX, I called XXXX to get an update and was promptly told that no such request was filed and that, in fact, that capitalized interest would not be reversed. I was told the law was " constantly changing '' regarding these things and also advised that I should not care about my interest being capitalized because " it wont matter with PSLF. '' I found this to be a financially irresponsible response to my concerns. 

Overall, I'm disappointed with the knowledge of the customer service representatives and XXXX.
Consumer complaint received 2019-08-20
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: SECURITY FINANCE CORP (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-02-28
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. (CA)

I disputed an collection account on Experian report and Experian just updated and didnt even investigate the outcome. I asked for proof of contract and never received it. I uploaded a letter into Experian on XX/XX/XXXX18 asking for verication of debt or contract and all Experian did was update my credit report stating the collection agency verified. The collection has yet to send me any contracts or proof of the debt. 
SECTION 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. I don't believe this account was verified with them. 
I'm enclosing the letter that was sent to Experian. 
XXXX  and XXXX has DELETED this account.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

The Week of XX/XX/XXXX, I was visiting friends in XXXX, XXXX. I made a transaction at a local XXXX Gas Station. Apparently, there was hacking equipment on this machine. 

On XX/XX/XXXX, while back in my home town of XXXX, XXXX, I noticed transactions being made on my checking account at Bank of America without my authorization. The charges where made at XXXX in XXXX, XXXX  in the amount of {$800.00}, XXXX XXXX  # XXXX in the amount of {$400.00} and XXXX XXXX  # XXXX in the amount of {$50000.00}. I immediately visited a Bank of America in XXXX, spoke with a bank manager, XXXX XXXX and explained the incidents. I also showed him I had my ATM card in hand. He also viewed my accounts and saw these transactions were posting to my BOA checking account. 

We proceeded to open a fraud report on these transactions. I also procured a police report from the XXXX Police Department regarding these unauthorized transactions and also uploaded it to my fraud report at the Bank. On XX/XX/ I received a letter from the bank stating that the claim was closed, they assumed the charges were authorized by me or made by me and would not be reimbursing me my money. 

How could I authorize or make these charges while in XXXX, XXXX? 

I have since, filed a claim with the Federal Trade Commission # XXXX, contacted my state Attorney General 's office and will be contacting the XXXX, XXXX  police department. 

Who can help me get my {$1700.00} back?
Consumer complaint received 2021-07-16
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. (AZ)

It has been over 150 days and this information is still reporting on my account. XXXX  did a great job at removing the inaccurate reporting but XXXX and TransUnion are completely ignoring me. This is causing me stress and hurting my credit profile making it hard for me to get approval for credit. They are violating my rights and they don't even care about fixing it. Not only has this stuff taken a long time to fix but they aren't even communicating with me. I have had to contact these companies directly bc they keep reporting false information on my account. Please help
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MI)

This debt was from XXXX mobility and I had dealt with it about a year and a half ago with another debt collector and I thought it had resolved but the debt was sold to another company. I went through an investigation with XXXX mobility and someone had opened a phone account in my name and they said that they couldn't prove it wasn't me although the addressed it was opened with is not one I am associated with. They said I was still responsible for the money ... 

I have never had a mobile device or account with XXXX mobility. someone had to have stolen my identity to open this. 

Now it is coming back with another debt collector.
Consumer complaint received 2019-08-20
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. (GA)

XXXX XXXX XXXX is incorrectly reporting to XXXX ; XXXX and Transunion two ( 2 ) collection accounts. The first collection is for {$87.00} partial account number XXXX ; and the second collection is for {$130.00} on partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have insurance, please see copy of attached insurance card, however XXXX XXXX XXXX never billed the insurance company and because of this error on their part, these accounts were never paid and consequently these accounts were sent to collections. I do not owe the {$87.00} collection nor do I owe the {$130.00} collection. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please delete the following accounts : XXXX XXXX
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Merchants' Credit Guide Company (IL)

XX/XX/2019 Regarding false collection activity from - Merchant 's Credit Guide XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX I'm filing this complaint today, to bring to your attention, the actions of Merchant 's Credit Guide. This company is a XXXX-based collection agency that has placed TWO collection account actions on my XXXX   and XXXX credit reportsts. As a result, my credit scores have dropped almost 80/50 points, respectively. 

After further investigating these reports, specifically speaking to the company that Merchant 's Credit Guide claims I owe ( XXXX XXXX XXXX ) I've learned from from them there is NO RECORD IF  ME/SERVICES RENDERED TO ME/BALANCE OWED BY ME on file. 

XXXX XXXX XXXX Billing - XXXX, XXXX I've also spoken to the insurance company that paid all of the workman 's comp claim from last XXXX XXXX injury and they stated that they have - NEVER BEEN INVOICED BY XXXX XXXX  XXXX   and that every claim was paid in full. 

This collection company is clearly COMMITTING FRAUD. Not only are they misrepresenting an organization in an effort to try and steal money from me, but they're refusing to correct this matter until a payment arrangement is made. 

I'm asking that you take action against them immediately. I'm also interested in learning what recourse I may have, as a result of what happened to my credit score. 

I can be reached XXXX XXXX. / XXXX XXXX. Central Time, Monday through Friday. XXXX
Consumer complaint received 2020-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (IA)

OnXX/XX/XXXX, I was trying to purchase a " XXXX XXXX '' for my furnace from a website calledXX/XX/XXXX. The valve was heavily discounted and I need to save money when I can. The web site showed a regular price of {$240.00}, but marked down to {$120.00}. I filled out the card information and made the purchase. After that, I get a receipt stating I had paid a total of {$94.00} to something called " XXXX XXXX. '' {$87.00} of that total went to XXXX XXXX, the balance was a " fee, '' with no disclaimer stating why the fee was being charged. I held off reporting as I waited for some response that my valve was on it's way. Today, two weeks later, I called Paypal, and I find that this money transfer was tagged as a " Friend or Family '' transfer, and because of that, Paypal claims they can not file dispute, nor can my bank. In essence saying, " sorry man, you XXXX XXXX, but we can't help you, ''
Consumer complaint received 2021-12-07
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: Santander Consumer USA Holdings Inc. (FL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-07-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i've sent a letter to every creditor stating that i need validation of each debt to only be sent a bill. a bill is not validations. the definition of validation in commerce is ''to assess an action '' so I'm requesting validation under 15 usc1692g all i want is something in writing containing the 5 things required under 1692g. also if there were any competent witness i demand the debt collector to produce them. if the debt collector does not provide me with all 5 requirements that i requested under 15 usc 1692g they are in violation and owe me {$1000.00} per individual action pursuant to 15 usc 1692k and i demand removal of all negative account on my credit report.
Consumer complaint received 2021-05-26
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. (FL)

Hi I never filed for bankruptcy, I dont have children, and I am currently in the process of a legal divorce and have been separated from my spouse for over a year now. Also, I was affected by the XXXX and a month prior to the pandemic starting, I was hospitalized and could not XXXX for 3 months after. Not only that, I am a full time student at XXXX XXXX XXXX and was affected financially during my hospitalization and all throughout the pandemic. I never received unemployment either. Lastly, I never got approved to buy a home, and again, I do not have children or ever file for bankruptcy. Thanks. 

Best Regards, XXXX