davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC. (NY)

Under Communication tatics you do not have faked caller ID so I also selected the second problem. The fake caller ID representation. Is most important to me I have received many calls that ended up being from a debt collector calling from the number XXXX. So I returned the call and it was not in service. SO since this debt collector is doing this, he can lie aand state I never responded back to their calls. I even have all saved voicemails and a phone call when I asked him I tried calling the number on calle Id and he said why didnt you call the number he left in the message. So i said who would. Thats the reason for caller ID I asked then why are you faking your caller ID number. On the recorxing he states it doesnt matter. He also states in his messages to look better in court that " We have been trying you for several months '' Its a scam to proceed to court quickly and its wrong to fake the caller ID of a debt collector because its considered falsifying who you are
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Paypal Holdings, Inc (TX)

I made a payment today for a particular item. No problem with making payment. But I thought the item was already paid for via cash back rewards. Because i could be mistake, i tried to see if i could find how/when/where did i spend my cash back rewards. But it was futile. So i contacted PayPal, who controls the paypal rewards. However i was referred to XXXX XXXX who controls the PayPal credit card. They referred me back to PayPay for assistance. They were sending me into a loop. I would like to know how/see the transactions on how I spent/applied cash back rewards for purchases. I mean, without being able to see the activity, like any typical bank statement or cc statement, i may actually be paying twice for a particular item. When I go into the section pertaining to the Cash Rewards, it only provides a remaining balance. And there is no log of transactions that show how the rewards have been spent to date.
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — Store credit 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. (NY)

I am the complainant of identity theft in this grand larceny case. The newly issued Home Depot credit card that was addressed to me never arrived. My first statement arrived in XXXX indicating the unauthorized charges. There were three transactions on XX/XX/XXXX, amount of {$300.00}, {$380.00}, {$370.00} was made at ( store # XXXX ) XXXX Depot in XXXX XXXX XXXX, New York. I immediately contacted and reported the fraud charges to Home Depot Credit Card Services ( issued by citibank ) in the final weeks of XXXX. 

In XXXX I received a letter from Home Depot credit services dated XX/XX/XXXX, acknowledging my fraud claim on my account. They informed me I will not be making payment toward the disputed amount or any interest or fees. They mentioned they will contact me if any information is needed to complete the investigation. Home Depot Credit Card Service did not request anything from me at the time. 

I then received a their letter dated XX/XX/XXXX indicating I was being held responsible due to insufficient information/facts to claim fraud and because the card was read at a chip enabled card reader. It wasnt until I had to dispute their decision that they requested a police report, a dispute letter and picture ID to compare my signature. I also faxed them proof that I was out of the country at the time. 

Home Depot credit card services did not advise me in how to proceed when I first reported the fraudulent charges. They also stated in their statement of acknowledgement that if anything else is needed to complete the investigation that they will contact me. They did none of that! It wasnt until I called them after receiving the letter of their completed investigation, is when they wanted more information ; the ID, a letter of dispute and police report.

It is unjust that the investigator of the fraud department cant reach out to the Home Depot store and review the footage of the transactions in question. And the lost and prevention department at the local store can only collaborate with the police to investigate. The police detective assigned is also very occupied with priorities and has not looked into my case. No one is doing their due diligence in this investigation. Surveillance in the local store from the date of incidence can show I wasnt there.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (DC)

I was up for re-certification of my income-based repayment plan. On XX/XX/2017, I was advised by a Fed Loan rep that the payment would increase from {$610.00} to over {$10000.00}. I advised the rep I could not afford that payment. The rep stated I could re-certify first then switch to the REPAYE plan, which would bring my monthly payment to around {$700.00}. I followed these instructions and submitted a corrected IBR recert on XX/XX/2017, which was approved. I then submitted a request to switch to REPAYE on XX/XX/2017 with supporting documentation. I called after submitting and was advised it would take about 10 business day to start processing the application. I called on XX/XX/2017 to get a status check. The rep could not provide a status update and failed to acknowledge that the XX/XX/2017 uploaded application. I requested to speak to a supervisor. I spoke to XXXX who noted the XX/XX/2017 application was incorrectly processed as a recert and stated she submitted requests for the application to expedited and I would be removed from IBR and switched to standard. However, she noted that I should receive a letter stating a reduced payment of {$5.00} will be owed and then to call back to ensure the rest of the REPAYE process is initiated. I appreciate XXXX 's help but I am concerned that I will be charged the incorrect amount and will be incorrectly billed an un-affordable amount. In addition to potential credit reporting damage, I am also on the public interest loan forgiveness plan and I am concerned that Fed Loan 's incompetence will impact my eligibility with the program. Please expedite this complaint as my next payment is due XX/XX/2017. I should not be penalized and harmed for following Fed Loan 's directions.
Consumer complaint received 2021-10-18
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: ALLY FINANCIAL INC. (NJ)

I currently lease my car through Ally Auto. This is the third time I have had problems with them reporting false/inaccurate information regarding my account to all of the credit reporting agencies. I honestly dont know how this company continuously gets away with this. Its fraud. It affects peoples credit score it is not okay. During COVID-19 I had a similar issue and it took months to get fixed, I couldnt even speak to a manager or anyone who could help me from Ally for MONTHS! Recently I filed a dispute on my Ally account status on my XXXX credit report. Back in XXXX I filed for chapter XXXX bankruptcy however my car lease with Ally was not included in this. Both myself and my attorney have both spoke to and sent correspondence with this information to Ally Auto. Not only that, I have continued to make my monthly car payments and am good standing with Ally. They have reported that my account was closed and my lease was included in the bankruptcy which is false information. After the dispute they then changed it to my account status is in forbearance or deferred and I havent made a payment since XXXX. Again this is false.
Consumer complaint received 2021-10-17
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. (KY)

There was credit reports pulled and I did not give permission they where pulled XX/XX/2021 the company 's where XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX. On XX/XX/2021 XXXX XXXX PULLED MY CREDIT REPORT.I would like for them to be removed.
Consumer complaint received 2021-10-17
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. (CA)

Last year I discovered false accounts with XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and XXXX XXXX and XXXX XXXX  conducted an investigation. Yet they still show up on my credit reports Please help me resolve this issue as soon as possible.
Consumer complaint received 2021-10-17
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. (KY)

i bought giftcards off a company buy the name XXXX XXXX  and i never got/ receved the gift cards i went to XXXX  and they tried checking the digital giftcard and they could not even check or see a balance said card invalid they told me its possible fraud that they should be able to check it and i bought a XXXX XXXX  giftcard and never got it and they placed it on my credit reports hurt them bad and i contacted them mutiple times and they never would help told me contact the card issures and they said it was done threw XXXX  they have nothing to do with it all im wanting is the credit reports fixed and removed from reports and the debt even cause i should not haft to pay for something i never got /receved i lost more then a XXXX or more pionts because of them i contact them and i asked them would you pay for something u never used/ did not receve they could not responed
Consumer complaint received 2021-10-16
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: DISCOVER BANK (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! CREDIT ACCEPTANCE CORPORATION VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX has been reporting late payments on my credit for two years On XX/XX/XXXX they had them removed XXXX late payments on XX/XX/XXXX Equifax and XXXX ended my dispute against XXXX stating that XXXX verified the payments as correct and they were all put back on my credit cause a huge drop then they reported it as when they did there monthly reporting it deleted the past due payments however I have documentation from Equifax and XXXX stating that isnt the case thay XXXX  verified the debt as correct and put the late payments back on I believe XXXX is in the middle of a cover up I would like to file a complaint against XXXX Equifax and XXXX for breaking the law and putting fraudulent information on my credit I would like a full investigation
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I contacted Equifax in XXXX of 2021 and XXXX of 2021 regarding my address. I sent Equifax a copy of my lease agreement listing my current address and requested they remove the address they are reporting as it is inaccurate. As of today Equifax is still reporting an incorrect address.
Consumer complaint received 2021-03-23
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. (TN)

XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY
Consumer complaint received 2021-10-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (FL)

I initiated a complaint about transworld purchasing a debt from XXXX XXXX Complaint ID : XXXX I still havent received the account validated Debt letter with ledger in the postal mail. They began calling non stop after I asked them to stop calling. I told them I would take care of the full the tradeline is deleted. If not, I will settle the debt for 60 % of the total if it must remain on my reports, I can wait out the 7 years until its not eligible to be reported in my credit any longer or I can add it to my current bankruptcy claim to never be paid.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servatus Corporation (UT)

The Debt Collection company reported inaccurate dates and admitted this in an initial complaint filed. The debt the collection company is attempting to collect was initially fees for a checking account with XXXX XXXX XXXX XXXX and as such is a credit union that no longer exists. The servicing credit union appears to have sent the bank fees to this agency for collection efforts, but no contract for repayment exists. In researching the debt and the company they do not have a federal bank charter and yet are attempting to recover banking fees. The company never provided a debt collection letter or provided proof that the debt collection agency has proper notices on the letter they claim to have sent. The dates initially reported by the company show a debt that was incurred ~2 years ago which is incorrect and violates accurate reporting laws. The credit union is not located within the state I reside and the address they claim to have sent a notice to is not a residence that I currently reside at.
Consumer complaint received 2021-11-26
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. (DE)

Hi, I am XXXX XXXX and these inquiries are fraudulent, I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report violation of : XXXXPrivacy act of 1974 -15 usc 1681b ( a ) ( 2 )
Consumer complaint received 2018-05-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (KS)

On XX/XX/XXXX, after receiving a preapproval letter and qualifying for a mortgage purchase back in XX/XX/XXXX, we were advised by our local NACA office that they were declining to allow us to put a contract on a house due to maternity leave despite the fact that we are no longer on maternity leave and have returned to work and despite the fact that when we were off for maternity leave we utilized banked leave time and our pay never changed. 

After a chain of phone calls and emails over the past couple of days, we were again advised, this time in writing that, as a broker, they are exempt from the fair housing act portion that states denial solely due to maternity leave status is a violation.
Consumer complaint received 2022-08-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (TN)

From morning til night the company Affirm has been calling me repeatedly for the past two weeks despite paying my overdue amount and telling them Ive paid and to stop calling. It is nonstop. 
This is the number they are calling from : XXXX ( XXXX ) XXXX
Consumer complaint received 2021-10-12
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 been disputing and challenging Respectfully XXXX, XXXX and Equifax on the issues of debt collections and Charges Offs of XXXX XXXX of unknown debts of {$6000.00}, XXXX XXXX unknown debt Collection Charge Off of {$6200.00} and XXXX XXXX  Charge Off of {$10000.00}. 
I don't have Auto Loans or loans with none of this companies and I don't owed them this debts. 

Also there is Bankruptcy on my XXXX that needs to be deleted, this derogatory item is not on my XXXX or Equifax credit XXXX. Why is this Negative items are on my credit report.. 

I am XXXX Lifetime, XXXX. XXXX, XXXX and XXXX are trying to collect from my XXXX XXXX pension. income and Violating my XXXX XXXX Civil Rights Act  under Department of Justice. 

Companies and XXXX, XXXX and Equifax has been sharing my information with other financial institutions and companies without my Consent.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OH)

I paid off my Chase credit card balance on XX/XX/XXXX. Shortly after I was charged interest even though my balance was XXXX. I called the bank and the bank removed that charge. 
Today on XX/XX/XXXX, I was charged interest again. The agent of the bank claimed that I was charged because of residual balance for two months after I pay off a balance. They removed that charge again. This makes no sense to me because I have no had any charged from the other credit card that I paid off.
Consumer complaint received 2021-10-11
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: BARCLAYS BANK DELAWARE (MA)

On XX/XX/2021 on a XXXX flight from XXXX to XXXX I received from the flight attendant a promotional offer for a Jetblue Plus credit card offered by Barclays. The offer stated that I would receive XXXX points after spending {$1000.00} and paying the XXXX $ annual fee and then would receive another XXXX points after spending a total of {$6000.00} within 12 months of receiving my card. I thought that was a great offer and so I completed the application and returned it to the flight attendant. I then received my credit card from Barclays a few weeks later and began using the card. I encountered problems with Barclay linking my card to my XXXX account and had several discussions with Barclay representatives. In none of those conversations did Barclay reps tell me that the promotion I had signed up for had expired.

Three months after receiving my card, and after spending the required {$6000.00}, I called Barclays to see when I would be receiving the additional {$50000.00} advertised in the promotional brochure I filled out on the plane on XX/XX/XXXX. During the call, the rep informed me that that promotion had expired on XX/XX/XXXX and I would not be receiving any additional points. I explained that the application I filled out on the plane on XX/XX/XXXX promised a total of XXXX miles and I expected that promise to be honored. I also asked why no one at Barclays informed me that the promotion I signed up for had expired when my application was approved on XX/XX/XXXX nor when I spoke with reps on several occasions after that to clear up the problem with linking accounts. The rep said there is nothing they can do unless I can produce the paper brochure I had received four months ago on the plane - a completely unreasonable request since I had received my actual credit card and had no reason to hold onto a paper brochure. I asked why they would need this in any event since the specific promotions tied to an application should be coded on the application I submitted to them. I got no response. 

I subsequently checked the internet and found out that even though the XXXX promotion had stopped being advertised in XXXX on the Barclay site that this promotion was still available for sign- up in flight - which is when I signed. 
.