davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc. (TX)

Have applied for a XXXX XXXX XXXX XXXX XXXX. Had to have multiple background checks and 3 XXXX XXXX. The information being used is XXXX XXXX from 16, 22, 26 and 30 years ago. 3 are XXXX and 1 XXXX. The position for employment is in the XXXX  XXXX XXXX. TX Business code 20.05 states no arrests, convictions, parole anything older than 7 years can not be used or reported unless the salary is equal to or above 75,000 yearly this position I am applying for is XXXX hr 40 hours a week which is XXXX gross wages well below the amount set fourth. The company has state that texas law doesn't matter only the FCRA but that also states no negative information older than 7 years and that a consumer reporting agency must also abide by state laws. This company is grossly not following the federal or state law as set fourth.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

I was sent by mail the PHH Mortgage Trial Period plan XXXX. I have made all XXXX required trial payments in the amount of {$380.00}. I received a property foreclosure sale letter from the foreclosure attorney stating my property will be sold XXXX. 
I don't think its right that my house is going to be sold and I have made my payments. 
Payments were sent by XXXX XXXX, I'm attaching the receipts. I feel I'm being discriminated against because I'm a XXXX elderly man. I think that regardless of what I do per the request of the mortgage company they are going to foreclose on my home. Please Help
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

I am writing to express my dissatisfaction with PayPal & PayPal Credit over four unique dispute cases & processes. Amid COVID 19, the  companies support and return/refund policies has been nothing short of unfair to consumers.. I would argue the online support with PayPal has been subpar for the industry, it being deceptive as it's 1. Hard to find the tool in order to dispute a charge and the rules, feel very unbalanced. Merchants have 30-60 days to reply, yet consumers have 3 days to comply or it will be denied. ave spent hours on the phone and in communication with PayPal in an attempt to resolve multiple issues. 

XXXX This item has been clearly documented as returned and refunded by the seller. I have spent numerous hours between PayPal and PayPal Credit to resolve. I have since been recharged and refunded several times, yet, still am owed a credit of XXXX. I am filing a claim with the CFPB if this is not resolved by the end of the month, as this is clearly a merchant issue, yet, PayPal operational support is non-existent. This case has been open now for nearly 90 days. 
XXXX Clear documentation from the merchant that item was returned and has been supplied to PayPal . 
XXXX Clear documentation from the merchant that item was returned and has been supplied to PayPal . 
XXXX Full Item not received. In this case, documented on the PayPal resolution center, the SELLER clearly noted they would send the item to complete order, the case closed, the seller has since not fulfilled their obligation, for some reason, the case has been closed and is not able to be reopened. 

I have been declined in each case, after calling, filing all required paperwork and emailing the CEO, as they state 'the merchant has provided documentation the charge is valid '. So somehow, the documentation I am providing from the same merchant is not valid? I feel in each of these cases, PayPal is acting in a deceptive and unfair practice, where the consumer is at risk of unwarranted financial loss. 

I am seeking assistance. This is a basic merchant service which should be complied with by the company. 
-XXXX
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MA)

I have a Sapphire Credit card account with Chase Bank. I called chase bank on XX/XX/2020 ( one week before the due date of payment ) ; to pay about {$1000.00} of the balance ( about {$3000.00} XXXX, and to freeze the interest, as part of your Covid-19 assistance program, they confirmed this. However, in the next cycle, on XX/XX/XXXX, I found interest charges of {$53.00}. 
I called the customer services and filed a complaint to the executive office about my concern, and to refund me the interest. But they refused and claimed that the support is only to defer the payment of the minimum payment ( about {$80.00} XXXX without fees, but the interest still applied. I explained to them that I never asked for deferment of the payment, and on the other hand, I told the bank that I am paying {$1000.00}, which is 12 times the minimum payment ; and it was clear and affirmed by the customer services agent, that they will not charge me any interest. However, they did charging me {$53.00} on XX/XX/2020.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Experian refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Experian Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full.
Consumer complaint received 2019-06-24
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. (UT)

I recently applied for a credit card from XXXX. I was declined for the following reasons : Report reflects a bankruptcy or charge off. 
One or more cards are over limit. 
One or more recent credit inquirys. 

All of this information is incorrect, however, Experian makes it impossible for consumers to regularly monitor their credit. The other major credit bureaus allow consumers to view their credit profiles through XXXX XXXX. Wht isnt Experian on XXXX XXXX?
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

XXXX XXXX GOT AN ILLEGAL JUDGEMENT ON XX/XX/2008 CASE NO.XXXX  XXXX, ARIZONA. THIS WAS RE-INSERTED BACK INTO MY CREDIT FILES RECENTLY!
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

I called Chase asking about applying for the XXXX XXXX relief because my area is the number one hot spot in the country. I have XXXX I explained that to the rep and was told dont qualify for relief.I told her I am on unemployment because of my condition. I asked to give a valid reason why I couldnt get XXXX XXXX  relief couldnt give me valid reason.believe I signed for insurance on credit card if I get sick or laid off.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.
Consumer complaint received 2020-07-22
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (FL)

I received an alert on my credit report about an alleged debt with a company that I have never had any interaction, contact, or transaction with. The collection agency is Amerassist Ar Solution. Reported on XX/XX/2020 Original lender is listed as : 01 XXXX XXXX XXXX XXXX No other information is listed. 
I was never contacted, and never received any information regarding any debt, and I do not recognize the original lender and I do not have any affiliation with that entity.
Consumer complaint received 2020-07-22
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. (MI)

Experian failure to MOV, in accordance to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law on my disputed Items.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I received a notification today from Experian that my XXXX XXXX account ending in XXXX is delinquent, previously charge off even though monthly payments were made. This information is inaccurate as proof will indicate. 
As 15 U.S. Code 1681, Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2020-06-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

The mortgage company Penny Mac, adjusted the payment higher due to change in escrow, with out notifying me. They stated they had in XX/XX/2020. I never received a notice .This is the second time they have done this to us. We refinanced with this company to lower interest and length of the mortgage. We have never had a problem like this till we worked with this company. 
On XX/XX/2020 we received are statement for and it was little over double the monthly due amount in XXXX. 
My wife called on XX/XX/XXXX to inquire about this, and was told we did not pay last months bill for XXXX, I had paid through my banks online pay service and was received XX/XX/2020. 
My wife called to inquire about the bill. She was informed they had set in a suspense account. We owed a difference of {$60.00} for the escrow adjustment -which I have no issue paying. A XXXX late fee and for try to correct this with a online customer service rep a {$6.00} fee. They never made a attempt to correct this by reaching out to an notifying of the payment being short {$60.00}. 
Instead they collected interest for a month an late fee.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

According to 15 USC 1681B premissible purpose This company is in violation of the fair credit act.. I did not give permission or consent or signatureFor them to be reporting anything on my credit report I would like this account removed immediatelyRemove this account permanently from my credit report it does not belong there I have a right to privacy XXXX XXXX XXXX. Date opened, XXXX. XXXX, {$4100.00} XXXX XXXX. Date opened, XXXX. XXXX, {$610.00} XXXX XXXX. Date opened, XXXX. XXXX, {$890.00}
Consumer complaint received 2023-07-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MA)

Opened account XX/XX/XXXX paid 1st Bill XX/XX/XXXX for XX/XX/XXXX they recd XX/XX/XXXX per cc. 
XXXX bill paid XX/XX/XXXX for XX/XX/XXXX they recd XX/XX/XXXX per c/s. 
XX/XX/XXXX I called to find out about bill pay electronic pay per customer service they do not offer that. 
Asked for charges to be taken off. Mail may be late from COVID-19 Per conversation. 
Talked to on XXXX XXXX/XXXX/XXXX  XXXX sent request for Comenity Bank to look into I sent Bank information showing the payment was sent in plenty of time. Still have not heard back regarding interest charge. They did send letter regarding late fee they said on the phone 1st call they would be crediting. 
XXXX talked with XXXX/XXXX  XXXX Talked to XXXX at My bank said it went in plenty of time only reason would be COVID-19 maybe held up. Not sure why. 
I deducted interest & late fees & notes it in memo. 
XX/XX/XXXX talked to XXXX/XXXX  supervisor? 
XX/XX/XXXX talked with XXXX/XXXX  tried again to get help no avail. I ALWAYS ALWAYS Pay in full on every credit card. I have tried to explain they want nothing to do with helping me. They will not let me talk to higher ups also when I have asked.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Sectio
n 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-14
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-14
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)

Transunion has clearly allowed several violation permitted by XXXX XXXX XXXX This account his been reported several times as a fraudulent account and his been request immediately to be remove and blocked from my public records under 15 U.S.C. 1681c-2 ( not later than 4 business days of this notice ) police report, valid driver license, insurance proof of residence has been provided as well This account has not been verified correctly by transunion, this account is not a collection I dont owe this collector anytime. this account has not produced any written signed agreement by me/ or any valid information with my written signature attached to any form. Address is incorrect by this company,, email by this company is incorrect, name is not present on any original documentation sign with written signature is not present or hasnt been provided as I have requested to see this information shown how this was verified by transunion and where this information is coming from which they havent provide within 30 day time period has expired. my FCRA rights has been violated and negligent poor investigation by transunion has damaged my credit file I have no debt obligation with this company, I have no written signed agreement with this company, which know this account is I seek of litigation due to these violation, Also I have not supplied under the doctrine of estoppel by silence Engelhardt v Gravens mo 281 SW 715719 there is no proof of there alleged debt, therefore any such debt, in fact therefore any debt that ever exist with this account or any signed contract pertaining me owning an alleged debt Im protect to disputed this fraud account under - 15 U.S.C 1692 g section ( c ) XXXX XXXX XXXX is in violation of several Of my FCRA rights 15 U.S.C. 1692 c section ( b ) Transunion is in violation of my FCRA right 15 U.S.C. 1681 c-2 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy Remove this account by the name of XXXX XXXX XXXX immediately from public record I dont identify with this company and block as instructed due to several violation under my FCRA rights immediately the 30 day period has expired and this company hasnt produced any factual information. This company has violated several of my rights as shown. 

REMOVE THESE Account IMMEDIATELY!!! 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-22
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-26
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. (GA)

SOMEONE STOLE MY ID ND MY SOCIAL SECURITY NUMBER AND USED IT TO OBTAIN A CAR AND TO SIGN UP FOR SCHOOL I DID NO GIVE ANYONE PERMISSION TO USE MY INFORMATION NOR WAS I AWARE OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.