davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RockLoans Holdings LLC (VA)

I was advised in XXXX that I would became unemployed XX/XX/2020 due to COVID 19 workforce reduction. I paid up as many bills as I could but this payment due XX/XX/XXXX I had to delay. My unemployment was delayed considerably but still managed to borrow money to make the XXXX loan payment before going 30 days past due. Again my due date is the XXXX of each month. I logged in on line XX/XX/XXXX at XXXX XX/XX/XXXX to make my XXXX and XXXX payments. The option would not let me chose anything sooner than Wednesday XX/XX/2020 as a payment posting date. I called and spoke with XXXX he advised that their system is set up to take up to 3 business days to post a payment. He confirmed that yes I would see the ACH process, money from my account on XX/XX/XXXX ( still within the timeframe to avoid being 30 days late ) but it will take them 3 days to credit my account. I asked if he could just do the payment on the phone to avoid a negative affect on my credit and extra days of interest. I was told no. I asked if they were offering any relief due to COVID unemployment I was told they would send me information. I decided to make the XXXX payment only at that time even though I was paying before going 30+ days delinquent it still impacted my credit which I felt was unfair and decided to hold my XX/XX/XXXX payment in hopes that my unemployment would get approved before the grace period expired. So now on XX/XX/XXXX I made the XX/XX/XXXX payment and my account was due for XX/XX/XXXX. As of XX/XX/XXXX I still had not received any unemployment and called XXXX to make a payment, that I once again borrowed from a family member. It's the XXXX of XXXX and I am trying to make the XX/XX/XXXX payment, again I was told the payment wouldn't post until XX/XX/2020. I made the payment anyway confirmation # XXXX even though I knew 1 ) I was paying before being 30 days delinquent and 2 ) since it's simple interest they're accessing excess daily interest charges and late fees against myself and other consumers even when they pay on time. I am now receiving unemployment but it is not enough to cover basic bills but I am managing all my accounts as they're very willing to work with people. This account I have stopped paying as their payment processing delay causes people to show as late, even when they're not and they're charging extra interest/fees. On my account alone a few extra days of interest n their pockets may not seem like much but when you multiply that by the thousands of people they do this to monthly it is a considerable amount of money and seems that it would be unethical and unfair
Consumer complaint received 2017-12-14
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. (DE)

I am filing this complaint because XXXX, TransUnion, and XXXX, has ignored my request to provide me with the documents with SIGNATURES that their companies have on file that was used to verify these accounts I disputed. Being that they have not adequately verified these accounts under Section 611 ( 5 ) ( a ) of the FCRA -they are required to properly delete all information which can not be verified that I have disputed. Please resolve this matter. Thank you
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2021 I wrote someone via XXXX about a iphone unlock issue and they stated they will do it for {$100.00} I confirm several times in message are you sure {$100.00} will fix the whole issue they advice me yes it will. On XX/XX/2021 he send me his e-mail and stated send the payment via paypal so I went ahead and did that. He message me saying everything is good and is working on it. 4 hours after receiving my payment he said he can not do it because he need {$200.00} more the main price was {$100.00} so why all the sudden after you receive my payment now you telling me you need more I have multiple screenshots of our conversations where {$100.00} was the price THIS IS FRAUD HE JUST WANTED MY MONEY AND MORE MONEY THIS WAS MADE ON PAYPAY Transaction ID XXXX
Consumer complaint received 2020-09-01
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$610.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX/XXXX   XXXX  XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1000.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$7800.00} Balance Updated XX/XX/XXXX Recent Payment $ 435 Monthly Payment {$430.00} Original Balance {$18000.00} Highest Balance {$0.00} Terms 84 Months XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7800.00} Date OpenedXX/XX/XXXX filed ftc not mine
Consumer complaint received 2023-01-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Typically the monthly payment is XXXX and we sent in XX/XX/XXXX amount XXXX for XXXX months in advance but Wells Fargo applied to Principal instead. We called but they did not want to reverse it. 

The strange thing was all advance we sent in XXXX, and XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX was reversed and applied to regular monthly payment no problem.
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (KY)

I received what I believe is a misleading advertisement in reference to my credit card via email on XX/XX/XXXX from Chase Bank. I contact my local banker, and she said she was forwarding my concern to the credit card division and that I would hear back by XX/XX/XXXX. I did not. 
The advertisement claimed that I could pay a fee on a purchase but no interest payments. That is incorrect ; fees and interest are all part of the loan ( in this case, credit card purchase ) process. One implies the other, given the loan/card purchase amount. I have included a document as an ATTACHMENT that demonstrates my claim that there " fees '' are the equivalent to an interest rate. The claim that no interest payments need to be made is simply false.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I XXXX XXXX made an attempt to settle this debt, on XX/XX/2020 i was told to mail a check of XXXX to an P.O BOX, Citizens one bank failed to check their mail boxes upon arrival of my check .I have proof of the signed check in which they denied, yet they returned my check 3 months later back dated XX/XX/XXXX XXXX Back In XXXX XXXX notice sent pursuant to Fair debt COLLECTION Practices Act ( 15 USC 1692f ) stating claim and dispute and validation request, in return my check was mailed back months after on XX/XX/XXXX after recieving my debt of validation letter and cease and desist .Under ( 15 USC 1692f ) UNFAIR PRACTICES section ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of mails or telegram, except that a debt collector may use his business name if such name does not indictate that he is the debt collection business.They 've also violated ( 15 USC 1635 ) ( 15 USC 1692b ) ( 15 USC 1692 d ) Harassment ( 4 ) AND ( 3 ) Reporting my information to reporting agencies or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) .. Please remove this account off my name
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020
Consumer complaint received 2020-12-01
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: DISCOVER BANK (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2020-12-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

on XXXX I sent a letter regarding inaccurate and unknown things on maybe credit report to this day over 45 days later I have not received a response yet. I feel like im. being taken advantage of and being ignored of my disputes Section 611 ( a ). its plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by theXX/XX/XXXXdata breach and may have got into there hands of the wrong person
Consumer complaint received 2022-03-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XXXX of 2022 I filed a dispute with the credit bureau Asking for a reinvestigation Of the disputed account XXXX XXXX XXXX. This account was verified by the credit bureaus and I asked for a reinvestigation that I was entitled to according to the Fair Credit Reporting Act section 611. The bureau had 15 days to Complete their investigation and they have not. I have asked for a reinvestigation and they have not responded to my request. i In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2020-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2020 and XX/XX/2020 I sent letters to Transunion to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
Consumer complaint received 2020-12-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XXXX I sent a letter regarding inaccurate and unknown things on maybe credit report to this day over 45 days later I have not received a response yet. I feel like im. being taken advantage of and being ignored of my disputes Section 611 ( a ). its plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into there hands of the wrong person
Consumer complaint received 2021-04-10
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. (MD)

Equifax Inquiry Names : XXXX XXXX - XX/XX/XXXX XXXX - Card Services - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I have contact Equifax numerous of times about the above unknow inquires on my credit report and to provided me written documentation or proof that I have indeed applied for these account above. Equifax continues to updated my account as verified.
Consumer complaint received 2020-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

Currently enrolled in PSLF through FedLoan. I am getting close to my 120 payments, but several of the previously certified payments ( they were certified prior to it being sold to FedLoan ) have been " pending manual review '' for months. I had discussed this issue with them over the summer and they said they would expedite ( no more than 30 days ), 3 months later I emailed and they said it was still pending. This is very problematic as I need to know how close I am to paying these off.
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX changed credit card accounts to switch to new company. Around XX/XX/2019. I did have experian delete the old account. But they never put the new one or there. Which I still have through XXXX XXXX XXXX. The other two credit monitors report my arbor credit with the correct account. And a big difference in credit scores. By them not reporting that.
Consumer complaint received 2017-12-13
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: Experian Information Solutions Inc. (LA)

For the last four months I have sent dispute letters, validation letters to creditors for items tha are being reported on Experian and XXXX for unauthorized inquiries on my Credit Reports. Today which is XX-XX-17 I called Experian and XXXX only to be talked to rude as XXXX by the representatives. All of my information was involved in the breach and the inquiries that are on my credit reports are unauthorized from fraudulent activity. XXXX removed two but then the rep proceeds to tell me that she ca n't remove the other two because I have to contact the creditors. Well if this was the case or even true then why did she remove the two she removed? No inquiry that is on my XXXX Credit Report is authorized by me. The rudeness I encountered today was beyond words. I called Experian and the rep was so rude she would n't even let me get a word in. She then tells me that Experian is not authorized to remove inquiries, I sat right next to my husband as he talked with reps from Experian and XXXX that removed his inquiries without any hesitation. He gave the reps the exact same reason I gave them to have his inquiries removed. The inquiries are preventing me from establishing my credit and stopping me from moving forward in my business. I just want the unauthorized inquiries removed.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMCOL Systems, Inc. (TX)

Back in XX/XX/2017 I went to an urgent care facility, and used my insurance. 

I got a bill/credit notice in the mail for $ XXXX saying that was my portion due. Well, according to my insurance company ( XXXX  ), I shouldn't have any outstanding balance as I was covered. 

When I called Amcol about the amount that hit my credit report they told me it was an unpaid hospital bill. Once I pulled the information out of them of who the original creditor was, I called their billing department and they were less than helpful. 

They said it doesn't matter what XXXX paid, that I was still responsible for the remaining balance. When I asked them to hold so that I could three-way my insurance company on the phone so that we could all get on the same page she told me she wouldn't be placed on hold and would hang up if I tried to do so. 

This amount being reported is INCORRECT, as my insurance has already paid their portion and I shouldn't be subject to pay anything additionally. 

Since this was an urgent care visit they informed me that the hospital bill was paid but that it was actually the physician who I still owed money too. So essentially it's 2 separate bills. The one that Amocol is reporting however is the hospital bill under " XXXX XXXX XXXX '' and that one is  actually paid according to everyone 's standards. 

I'm just asking that this be removed from my credit. I have an EOB from XXXX stating that my portion in this matter is {$0.00}.
Consumer complaint received 2020-12-01
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. (NC)

Contacted Transunion on XX/XX/2020 to have inaccurate information on my credit report disputed. Representative told me the account was not reporting. Just pulled a copy of my credit report on XX/XX/2020 and it shows that the account is in fact reporting. XXXX XXXX XXXX XXXX with a balance of {$1600.00} is a result of identity theft and fraud. Wish to have this investigated and removed. As any unnecessary delay could impact my household negatively as we are victims financially of covid 19.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nevada Credico, Inc. (NV)

Account was placed with collection agency ( Quantum Collections ( XXXX ) XXXX ) for {$750.00} by XXXX XXXX XXXX XXXX ( XXXX ). This account was settled and paid in full directly to XXXX. Quantum Collections merged/was sold to XXXX XXXX XXXX ( XXXX ) XXXX ) and XXXX XXXX XXXX now shows the erroneous/paid off debt while Quantum is reporting the same, duplicated account. Phoned Quantum ( which is now XXXX XXXX ). They stated they were aware of the duplication of accounts reported and they are working to correct. I asked them to remove their accounts as they were duplicates and because I have settled/paid in full direct with creditor. They said I should call XXXX to correct.
Consumer complaint received 2018-10-16
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: AMERICAN EXPRESS COMPANY (NY)

I have an American Express Serve prepaid card. I have direct deposits made on a regular basis. Four recent deposits have failed to show up on my balance even after the payment was processed by the issuer. I called their customer service number, but the call was not picked up after being on hold for over thirty minutes. 
I found out from XXXX and other social media that thousands of people have been waiting for direct deposits from this and the Bluebird card ( also issued by Amex in conjunction with XXXX  ). I am broke and desperate for answers.
Consumer complaint received 2023-03-10
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I received notification that Weltman, Weinberg & Reis have filed a lawsuit against me regarding an alleged debt. I have yet to receive a notification from Weltman, Weinberg & Reis about this alleged debt, and no validation of the debt. The lawsuit was filed on XX/XX/2023 and I have yet to be contacted by the debt collection company regarding the alleged debt.