davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

XXXX XXXX has several campaigns to reach a certain status if you use your cobranded card by XXXX date. In this case, if I used my card by the end of the statement balance in XX/XX/XXXX, my status at XXXX XXXX would be achieved. However, this is a scam. They are now saying they need to investigate why all my charges in XXXX were slotted and put into XXXX ( conveniently ) excluding or granting me any oft the so called promotions they so deeply offer. It's been 1 month and half now, and XXXX has yet to respond and all they say is that they are looking into it with Citi. 

Payment in XXXX, was actually paid early and the remainder was paid on the due date of XX/XX/2023. However, the batching process according to XXXX XXXX show that payment was only received in XXXX, which means my points do no show for XXXX but in XXXX. They are saying this is an error on the Citi side that needs to be fixed. Obviously I took screenshots of the payments in XXXX, and really amazed at all these flaws ( or attempts not to honor their own promotions ). 

Even on the XXXX XXXX it says QUALIFY BY XX/XX/XXXX... When I called in on a recorded line- they said all the spend thru the end of that billing cycle would be towards the current year as it is clearly illustated in the app. Somehow, on XX/XX/XXXX, the points I accured automatically went to XXXX ... What a scam.
Consumer complaint received 2022-04-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC (NJ)

See attached documentation regarding tender of payment to company. Company has ignored tender, therefore accepting said tender and discharge has now occurred, yet company has yet to zero out the account. 

XXXX. TENDER OF PAYMENT. 

( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument
Consumer complaint received 2022-01-09
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (TX)

i was a victim of identity theft and was currently incarcerated at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.
Consumer complaint received 2018-03-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AL)

I feel that I was taken advantage of by XXXX XXXX / Navient from the beginning because of my age. XXXX XXXX never questioned my ability to repay my loan. They never considered my age when the loans were given to me. I am XXXX and have over One Hundred and Seventy Thousand Dollars in Parent Plus Loans. The total just keeps growing because I have been consistently pushed into Deferment/forbearance due to my inability to pay the large amounts they are asking for each month. I hand no way to repay the loans when the loan money was obtained and have been unable to get any reasonable repayment amount based on my income. I cant take {$500.00} to 600 out of my paycheck each month a still survive. I intended to repay this loan back in full but now I realize that I will not live long enough to even close. Please help me as my only way out is if I die.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Franklin Collection Service, Inc. (FL)

Franklin collection services has added {$160.00} in collection debt to my credit report from XXXX XXXX XXXX XX/XX/2020. I never received any notice prior to today when my credit score was noted down XXXX points. I have previously disputed this charge with XXXX XXXX The debt is removed and put back on serveral times and these people are trying to ruin my credit. I cancelled my account with XXXX XXXX in XXXX of XXXX I paid what I owed. The XXXX XXXX customer service said they couldn't stop my service until my billing cycle ends. I reported I must turn service off now. 3 weeks later my service was discontinued and then I got a surprised bill for {$160.00}. XXXX XXXX refused to stop service when I wanted, then they charged an additional monthly payment. I cancelled it because of COVID-19 and I was out of work.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (NY)

These nameless/faceless XXXX, apparently with 100 different corporate names/addresses on XXXX XXXX to avoid liability ) received a credit card chargeback from a former client for {$2000.00} on or about XX/XX/2021 but unlike 100 % of every single merchant service company that we have used in the last 20 years of our XXXX XXXX XXXX, these XXXX  did not either email or fax us the chargeback notice but simply sent it to us via US Mail XXXX pony express ). So of course, we never knew about the chargeback, never responded to it because we never knew about it & now today received it in the snail mail & will now respond to it, but we only have a few days to respond to it. To make matters worse, these thieves stole the duly earned {$2000.00} right out of our XXXX Checking Bank Account & even XXXX XXXX, the XXXX aiders & abettors, did not notify us, either. Please investigate & advise & ensure that this never happens, again, maybe by having these XXXX fax or email us chargebacks, instead of mailing them ( maybe XXXX.
Consumer complaint received 2021-06-02
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. (CA)

I have filed disputes regarding XXXX XXXX XXXX and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even with out providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to XXXX XXXX data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person.
Consumer complaint received 2018-10-03
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. (AL)

I petitioned Equifax to remove a bankruptcy from my credit report. The most recent request, I received a response dated XX/XX/2018, confirmation # XXXX. Included are the results are of Equifax 's " reinvestigation '' of my request to remove the bankruptcy from my credit file. The letter advises that the results were verified via XXXX XXXX, a third party vendor. Again this letter from Equifax is dated XX/XX/2018. 

XX/XX/2018, I received confirmation from XXXX XXXX ' consumer center, case number : XXXX, a letter confirming results differing from what Equifax claimed to have confirmed. The XXXX XXXX resolution to my dispute : After a reinvestigation of the data in question, XXXX XXXX was UNABLE to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently REMOVED this required from your XXXX XXXX XXXX  report. 

XXXX XXXX removed the unverifiable bankruptcy. Therefore, Equifax clearly lied about the source of their information. Consequently, the unverifiable bankruptcy remains on my credit file and continues to cost me higher interest rates and lower credit line extensions.
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

XX/XX/2014 I purchased a XXXX XXXX XXXX upon purchase of this car I noticed issues with the transmission with-in approx 30 days immediately called the dealer to advise of issues in -which they were not in-agreement with my findings I continued to have issues with the Transmission and have confirmed that these cars have numerous complaints regarding transmission issues. I voluntarily returned the car immediately because of this issue yet no one has paid any attention to my complaint 's and it effecting my credit now. I have also repeated disputes with the credit reporting agencies to no avail. I'm needing someone to follow up on this complaint as it's affecting me and also causing a lot of stress and financial hardship. If you need to speak to someone regarding this please speak with my wife XXXX XXXX as she's the one who's been trying to resolve these issue 's for me. 

Thank you, XXXX XXXX
Consumer complaint received 2018-10-03
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. (MI)

I have been disputing a bankruptcy with listed on my account XX/XX/XXXX with XXXX, XXXX, Expeiran, and XXXX. I have also disputed an address listed on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX last date reported XX/XX/XXXX. I've sent in current copies of my driver licences and a Letter from the US Bankruptcy Court stating they don't verify those files. The companies keep coming back they verified the information and my files are frozen and be frozen since XXXX.
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (SD)

A customer sent me a payment through PayPal of {$310.00} in error I immediately refunded the money back to the customer within five minutes PayPal says the customers financial institution is doing a charge back and my account is now - {$310.00} I can not use my account due to this and I rely on it to receive several payments. I am furious because the transaction is very obvious that the money was refunded immediately and I Should not have a negative balance in my account Its going on two weeks now and I cant believe theres any kind of question due to the clarity of the transactions
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020, I purchased an item for my car from a website XXXX which is based in XXXX and accepts paypal payments. I waited patiently from this merchant to ship my item and they kept delaying the shipment with comments such as we will ship out next week then the following week no update or response. So on XX/XX/2020 I filed a dispute on Paypal that the seller never shipped my merchandise or gave me a tracking number as promised. I also told the shipper not to send the item any more since it was too late and I no longer needed the item from them. 

Surprisingly on XX/XX/2020, I received update from the paypal dispute resolution department that stated the merchant provided a tracking number. This tracking number the seller provided was fake, and had no status even as a pending shipping. The seller is trying to defraud me by giving a false tracking number since you can not give a tracking number that doesn't exist in any of the known shipping companies. 

I went to look at what my recourse is for this situation and looked up the seller and found multiple sources such as this review site that says the merchant is notorious for scamming people and failing to send the items they promised to as part of a sale. 
XXXX XXXX XXXX The question I raise is twofold here : 1. How am I protected and able to get my money back if this tracking number is indeed false. Even if they ship me something, now that I had filed a complaint as the seller failed to give a tracking number, the resolution process is simply allowing the seller to provide a tracking number to cover his end, and that still leaves me vulnerable to being a victim of fraud by not receiving what I expected or there would be no option to open a new dispute if the item isn't what I was expecting. 

2. Why is paypal allowing this seller to continue using their services if it has been established that several customers have been defrauded by the seller in the past?

I am asking that paypal resolves this issue in an expeditious manner since I have already been waiting for over 3 weeks to get to this stage, and they are giving a response of XX/XX/XXXX to determine the outcome of the investigation. 

Based on other sources I found online, it appears that many fraud sellers are taking advantage of this loophole in Paypal to provide fake tracking numbers simply to get paypal off the seller 's back to steal customer funds. 

XXXX XXXX XXXX
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



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 vears.

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.
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

They are attempting to collect a debt for {$510.00} that does not belong to me. I was a victim of identity theft. they have not provided me with a validation of debt or any other document proving this is legitimately my debt. They are still reporting it to the credit bureaus as a collection. it is severely affecting my credit score
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was reported to XXXX  by Bank of America on XX/XX/2017 for check fraud. What happened is that a check I deposited was given to be during a sale of a keyboard on XXXX was reported as fraudulent. I had nothing to do with it and did not know the check was fraudulent. The check was for {$500.00} and the {$500.00} was removed from my account when it was reported. I never took any money. Since then I have not been able to open a checking account and have been working around it until now. I have no way to deposit checks and I finally know who to contact.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (PA)

I call them and this account XXXX Dynamic recovery. This is my friend XXXX and XXXX dont want to pay and at the time did not had the credit and I had a bill on XXXX that they could not give me the cell phone at all. Unless is goes in my friends name as a main account holder and all. I was telling them about this and should not be taken to the ground because he dont want to pay. It was not my problem that we had a fight and he cant pay this. I dont want this on my credit report and its not right. 
Also she was a smart XXXX. Well I can file for bankruptcy and I had fight get a manger on and than wait like 10 minutes. Than hang up and so I though do this other wise nothing will change. This is the worse collection people that I XXXX with and keep calling me but dont leave a message. I hope this fix there smart XXXX. I want that women to be fired and that manger tp let people do this
Consumer complaint received 2020-06-04
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. (VA)

XXXX ; XXXX and Transunion should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This reporting is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-10-03
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: LEXISNEXIS (MI)

I have been disputing a bankruptcy with listed on my account XX/XX/XXXX with LexisNexis, XXXX, XXXX, and XXXX. I have also disputed an address listed on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX last date reported XX/XX/XXXX. I've sent in current copies of my driver licences and a Letter from the US Bankruptcy Court stating they don't verify those files. The companies keep coming back they verified the information and my files are frozen and be frozen since XXXX.
Consumer complaint received 2019-03-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SECURITY FINANCE CORP (SC)

XX/XX/XXXX and XX/XX/XXXX I didn't give them permission to run a hard credit check. I contacted there head quarters spoke to two people who told me they don't know why they would do that.
Consumer complaint received 2018-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: National Student Debt Advisory Corp. (PA)

I have received multiple calls PER DAY from different numbers, all claiming to be affiliated with the National Student Loan Forgiveness Program associated with the Department of Education. The call begins with a recorded message saying " this is truly a final attempt to reach you ... '' due to XXXX  failing to notify their borrowers of forgiveness programs available to them. After over a year of these calls, blocking dozens of numbers, and asking repeatedly to be removed from the list, the calls continue. 

I am having no problems repaying my loan, and my annual-salary-to-debt-owed ratio is such that I do not qualify for any of these programs anyway. I have reiterated this multiple times, and yet every day the calls roll in ( just ignored one of them while typing this, in fact ). It occurs mostly during work hours on weekdays, but I've had the occasional call past business hours and on weekends. It is borderline harassment that they keep calling my personal cell phone at all hours, to no end, after I have gone through their process multiple times to appease them and land on the answer that I already know is coming. 

I may have filled out a survey years ago out of curiosity, searching for ways to lower my overall amount owed, but this is ridiculous that this continues. I would like to know the end-all way to stop these calls, which have consumed a larger percentage of my waking hours than I'd care to admit. Does anyone else have this problem? Is there any suggested way to ward them off when the first point of contact is obviously someone who does not have the authority to remove me from a " list ''? 

I would greatly appreciate any information you can provide. 

Thanks, XXXX XXXX
Consumer complaint received 2021-06-02
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. (MI)

I have contacted the Bureaus Transunion XXXX, and XXXX, I have received confirmation from the US Bankruptcy Court Stating they did not furnish my personal information to the reporting agency. I demand to have this Bankruptcy removed from my profile as it is in violation of my rights and they have obtained my information without my consent from public records.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Experian is refusing to allow people to independently dispute personal information if it is associated with a collection accounts ( even when the collection account is also under dispute ). Instead of doing their job and independently fact checking like they are required to do under the Fair Reporting Act, they are telling consumers to contact collection agencies directly to have incorrect information removed.