davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

-My wife and I had separate accounts with XXXX XXXX, XXXX. XXXX XXXX XXXX, Nevada. 

-Due to hardship circumstances we declared a Chapter XXXX Bankruptcy ( BK ) in XXXX. 

-Under the BK rules all creditors were asked to file " Proof of Claim ''. 

XXXX XXXX filed two ( 2 ) proof of claims ; one in the amount of {$380.00} ( act # xxxx xxxx xxxx XXXX and the other for {$330.00} ( act # xxxx xxxx xxxx XXXX. ) -Under the Court approved plan, both amounts were paid in full on XX/XX/XXXX ; a total of {$710.00}. Thus the debts were satisfied and discharged by court decree.

-However XXXX XXXX sold the debts to their own Collection Company ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC. 

-LVNV has reported the debt to all agencies as delinquent, thus negatively affecting our credit score. Moreover, XXXX has been harassing us in an attempt to collect the debt which was paid and we no longer owe. 

We are seniors on fixed income trying to get a fresh start. 

Please help us. Thank you XXXX & XXXX XXXX
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have sent numerous requests to Transunion, XXXX, and XXXX   to remove the inaccurate addresses off of my report and they sent dispute results back as verified but did not delete anything. You can't verify an address when I have provided the proof of address through my bank statement on where I currently reside and employed. They are reporting the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2020-05-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AmWest Funding Corp. (CA)

HI, In XXXX once the stay home order was issued in california, and as a realtor i lost all my listings and business. I emailed my loan company amwest mortgage. I told them I can't make XXXX payment, please help. They finally responded after a few emails in late XXXX and said they didn't get the emails and now would agree to defer XXXX and XXXX, and add it to the next 4 payments starting in XXXX. I told them thats a crazy amount, i want to pay in XXXX since real estate takes a few months to sell again, and move the XXXX, XXXX, and XXXX payments to the end of the loan. They don't respond. Please help. all other banks are doing this or lowering rates and payments like a loan mod. I have never been late and was pro-active here reaching out. They also added a late fee, and have continued predatory lending saying the investor doesn't care about covid-19
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX, I used my Citi credit card to pay {$51.00} for a XXXX XXXX XXXX at XXXX The gift card was never received. 

On XX/XX/XXXX, I called the gift card merchant directly to try to resolve the issue. The support agent I spoke with advised that the merchant would follow up with me in " a few days. '' I never heard from the merchant. 

On XX/XX/XXXX, I initiated the dispute process with Citi to seek a refund of the {$51.00} I paid. 

On XX/XX/XXXX, Citi advised me that they were closing the dispute and ruling in the merchant 's favor. 

On XX/XX/XXXX, I contested Citi 's determination and advised that the item still had not been received and the merchant still had not contacted me.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NV)

On XX/XX/2024 I filled out an application for a Frontier Credit card while I was on a return flight from Utah to XXXX. On XX/XX/2024, I received the card in the mail. I activated the card by using the QR code on the card. I completed the online account creation. On XX/XX/2024 I went online to add my husband to the account and saw the account read " closed '' in a couple areas on the page, but also that there was an XXXX charge for the yearly APR, I had been given a XXXX credit limit. I thought the " closed '' was just a glitch in the system or something I would have to call and check on since I had just received the card the day before. I was able to add an authorized user, so I added my husband and received a message that he would receive a card in 7 - 10 business days. 

I tried to use the card at two different places because one of the conditions was you had to spend at least a dollar within the first few months of owning the card to get additional rewards. The card was declined both times. Today, XX/XX/XXXX at approximately XXXX, when I called to find out why my card would not work I was informed that I had called on XX/XX/XXXX at XXXX and reported fraud and requested my account be closed with no other card issued. I did not call on XX/XX/XXXX. I never reported fraud. I did not request my account be closed. I spoke to two people at Barclay today concerning the card but they insisted I had called and reported fraud and closed the account. They informed me I could reapply for a new card if I choose, but none of the 1st time cardholder perks would apply. 

I am distressed by the fact that Frontier made promises concerning the card yet I was never able to use it. 

I can not get into the online account for this card anymore. When I try to log in I get an error security message. I am very concerned because something is very suspicious about this whole situation. I gave all my personal information to Frontier in good faith when I applied for this card. 

Please let me know what my next steps should be. 
Thank you.
Consumer complaint received 2021-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax and XXXX  are reporting 10 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have already filed a police report for someone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent account at once. I also had a fraud account from Portfolio Recovery Assoc for an account XXXX for the amount of XXXX. I have never had or done any business with this company.
Consumer complaint received 2020-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (AL)

XX/XX/XXXX {$1200.00} XX/XX/XXXX $ XXXX {$1200.00}, XX/XX/XXXX {$420.00}. These accounts as cause me financial ruin. I have no knowledge of these accounts. They are result of identity theft
Consumer complaint received 2021-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX appears on my XXXX report. I disputed and also sent a certified letter to the XXXX XXXX address online for validation and verification of this debt that I have no knowledge of. I requested the following from XXXX XXXX and did not receive any of the documents. 

1 ) Why the collector thinks you owe the debt : Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract. 

2 ) The amount and age of the debt : Ask for a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. 

3 ) Authority to collect the debt : Ask whether this agency is licensed to collect debt in your state. 

When disputed online with XXXX, they said XXXX XXXX validated debt, but where is this documentation? I have seen nothing. 

I want this removed from my credit history, which is in the 700s.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I purchased a XXXX XXXX XXXX  at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, NY the loan company they used is credit acceptance. The start date was XX/XX/XXXX I paid and paid and paid and that is considering I only had the vehicle for half of XXXX before the piston went through the motor block and the car was not drivable. I contacted autos by XXXX as well as credit acceptance and was told there was nothing that could be done I had to pay the loan. It is now XX/XX/XXXX and theyre saying I owe {$2000.00} still which doesnt seem accurate at all. The monthly payment amount is {$270.00} and once I asked for my payment history a couple days went by and now I cant see my payment history at all, cant see contract details either. I log into credit acceptance website and it says please contact us at XXXX to discuss possible payment arrangements. I would really like this looked into please. 

Thank you.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

My brother died on XXXX. We notified Citibank estate services where he had a checking and savings account. They gave us instructions and documents that we had to fill out and notarize. We ( my cousin is also a trustee ) were told that everything was in order as of XXXX. They even returned the original death certificate to us in the beginning of XXXX. We have called them at least 6 times. Every time we have called since XXXX, we were told that the back office is working on it and everything is in order and we will get the funds within a few weeks. Today, XX/XX/24, we are were told that the back office needs more documentation to be notarized. 

In the meantime, the estate has a lot of creditors that are demanding their money and we need to file his income taxes as they are due in a month.
Consumer complaint received 2020-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (FL)

I opened up a loan of {$13000.00} on XX/XX/2019. The company was www.upstart.com - and they made me sign a promissory note which is attached. 

The purpose of the loan was to consolidate debt to one loan, and then pay the loan off fast. This co is not letting me pay off the loan. In the second month, I phoned them and asked if I could pay if off early with no penalties. The agent on the phone said yes. 

Recently I started to look at how much interest I have paid, and it is much more than they should have received. If I phone the company they will not explain the interest to me in basic terms. They say it is " compounded daily '' although the pro-misery note attached says it is simple interest. 

I requested to speak to a supervisor who put in a " complaint '' - it wasn't a complaint, rather I am pointing out their accounting errors to them. I have attached their response also. 

It seems, they take what ever they want, whenever I pay extra. Some times, they put 100 % of my payment towards interest. Again, no one at the company can explain the interest charges to me. 

If you look in XXXX of 2019, I paid {$1000.00} to them, and of that, {$530.00} went to interest. I would never agree to this. 

In XXXX I paid {$600.00} and {$250.00} went to Interest. The payments are inconsistent and completely random -
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I got a notice from my loan services stating that I had been entered into an in school l deferment program till year XXXX  in which Im currently not in school also with added interest which that mean the correct balance is not showing on credit report nor proper status of loan
Consumer complaint received 2018-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

I transferred him money through XXXX. I used Wells Fargo, he used Wells Fargo he said. He gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since I had used it before and he gave me all the details I wasnt that concerned with it. The transfer went through. He called me about 5 minutes later to confirm he received the money and said he was logging into XXXX, and Id have the tickets in the next 5 minutes.. I didnt receive them and called him back, he answered right away and said he had initiated the transfer and it might just take a few minutes.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rausch Sturm LLP (TX)

XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by XXXX XXXX. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX XXXX  to inquiry about the pending active suit against me filed by XXXX XXXX several years ago via their law firm, Rausch Sturm LLP. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that XXXX XXXX sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to remove from my credit file. Attached proof of documentation from court concerning XXXX XXXX and Rausch Sturm. 


XXXX XXXX
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK (TX)

I received statement of account ending in XXXX from Discover on XX/XX/XXXX. I never applied for nor received any account from Discover since I paid in full and closed my account. I put security freeze on my account with all the major financial institution to make it impossible for any company from opening any account on my name. I do not apply for any account from from Discover. Discover is sending me statement of account I did not open from them. I want Discover to stop sending any statement to me and if Discover opened any unauthorized account on my name, it should please close such an account. I do not have any account with Discover as such it should remove my name from the list of its customers. 
I do no want further contact by the Discover credit card. 
Discover should not open or operate any account on my name. I had earlier reported my complaint with XXXX XXXX XXXX  ; I only received acknowledgement. I do not want to wait for Discover to contact me again.
Consumer complaint received 2020-05-30
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. (GA)

I took a look at my credit report I saw a few fraudulent accounts on my report. I have been trying to remove them but I was unable to remove them. Please help me remove the accounts.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

THIS IS NOT A REPORT OF IDENTITY THEFT This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : XXXX XXXX Balance {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$100.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$130.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$210.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$280.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$220.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$1300.00} Original Creditor : XXXX XXXX XXXX Act. #  XXXX Balance {$200.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the HIPAA, Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2024-03-07
Product: Credit 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: GOLDMAN SACHS BANK USA (WA)

I currently owe ( according to my XXXX on XXXX ) : {$11000.00} I am currently enrolled in a Payment Assistance Plan ( since XXXX XXXX ) When I made the agreement to do the Payment Assistance Plan, I was in my car and unable to provide a checking account number to enroll in the auto payments. 
In that call, the CSR offered to call me back in early XX/XX/XXXX to set that up before the next payment for the Payment Assistance Plan was due. 
I never got a call back about enrolling in the auto payment plan. 
I continued to get statements from XXXX asking me to pay the full amount due ( in the $ XXXX range ) as though I wasnt even on a Payment Assistance Plan.

I have never been contacted about the {$110.00} ( approximately ) monthly payment owed. 
I tried to remember on my own and pay the amount about the same time every month as the original agreement in XX/XX/XXXX. 
I made the following payments through my wallet ( although I didnt always remember the correct $ because I wasnt getting reminded about that amount on my wallet, email, or phone call. I was only being asked to pay in excess of $ XXXX still. 
XX/XX/XXXX Manual Payment : {$110.00} XX/XX/XXXX Manual Payment : {$120.00} XX/XX/XXXX Manual Payment : {$110.00} ( clearly I remembered the amount wrong and underpaid ) XX/XX/XXXX Manual Payment : {$110.00} In XX/XX/XXXX, I realized that Ive had four consecutive months of delinquent payments on this card reported to my credit reports even though Ive been paying. On one of the continual collection calls I receive, I once again tried to explain what was going on to get everything fixed. 
A kind CSR told me the following : My payments dont count as payments for the Payment Assistance Plan unless they happen ONLY on the last day of the month. Meaning that my payments havent counted, according to her. And the one that was short counted as no payment. 
I asked her to get me enrolled to help resolve the issue and she directed me how to do it myself. Thats why I have made TWO payments in XXXX : XX/XX/XXXX Automated Payment : {$110.00} I get constant collection calls despite having paid up. 
I can not seem to get this resolved with a human being. 
Sometimes I get lectured about it all being my fault or the system is not smart enough, or talk to a supervisor. 
Ive spent hours and hours and hours on the phone and am getting nowhere. 
As a consumer Im trying to do the right thing. Okay, I underpaid in XXXX, but XXXX said I owed over {$800.00}! I was trying to remember the correct amount. Okay, I guess I was paying too early for it to count, too!!! Im getting dinged on my credit report. Am I still being charged interest ( not supposed to be while enrolled in this program )??? 
I need someone to solve this problem urgently! This letter is going to everyone. I need action.