davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-01-06
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. (CT)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TX)

Planet has repeatedly made errors In the servicing of our mortgage, putting our credit at risk. We have NEVER missed a payment or paid late. We attempted to accept forebearance due to covid, but due to Planets extreme negligence, we opted out. Planet then set up double payments in error. When I tried to have Planet stop the incorrect double payment, they said they couldnt stop their error and asked me to talk to my bank to stop the double payment Planet set up in error which I did. 
Most recently, on XX/XX/XXXX, planet reversed an entire mortgage payment and placed a cleared payment in their suspense account without my knowledge or consent. I called on XX/XX/XXXX when I noticed the error and the unknowledgable rep could not answer my questions or tell me who placed the payment in suspense causing a late payment. 
She moved the payment from suspense and told me what I owed. 
I paid using acct ending in XXXX on XX/XX/XXXX. I REPEATEDLY ASKED TELL ME WHAT WE OWE SO I CAN OAT RIGHT NOW BECAUSE YOUR ACCOUNTING IS ALWAYS WRONG. She had trouble telling me what we owe. It took a long time for her to forgive it out. Once she told me the amount, I paid over the phone. The Planet representative said No further amounts were due. The money cleared the account XX/XX/XXXX and was never returned. 
Planet then proceeded to send me a statement on XX/XX/XXXX saying I owe {$2700.00}, and another statement dated XX/XX/XXXX saying I owe {$5300.00} and change. They then sent me a letter for assistance with foreclosure or non payment, even though we did not owe anything. They cant keep track of accounting. 
Then I received a call XX/XX/XXXX saying I owe {$5300.00}. I lost it. They have no record of my XX/XX/XXXX payment which has cleared my account. They have misapplied my payment again! 
PLANETS SEVERE NEGLIGENCE IS PUTTING OUR GOOD CREDIT AT RISK.
Consumer complaint received 2020-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

XX/XX/2020 - Purchase from Farzey.com ( {$130.00} ) XX/XX/2020 - Requested Update regarding order. ( Site promise delivery within XXXX days ) XX/XX/2020 - Requested Refund from Vendor XX/XX/2020 - Filed complaint through PayPal requesting refund. 
XX/XX/2020 - PayPal stated resolution would be complete by XX/XX/2020 XX/XX/2020 PayPal extended resolution process to XX/XX/2020 XX/XX/2020 PayPal extended resolution process to XX/XX/2020 XX/XX/2020 PayPal extended resolution process to XX/XX/2020 This complaint is against PayPal who has violated my rights as a consumer. I have requested a refund for this purchased which provider has failed to deliver, going on four months. I understand XXXX is XXXX customer and they are trying to do all they can to help their customer ; but in doing so, they have violated my rights to cancel this purchase which vendor promised within 10-25 days. I understand packages have been delayed due to current  Covid-19 concerns. XXXX and PayPal needs to understand, that due to their failure not to meet what is listed on their website, I have purchased and received the same items from another vendor and again requesting a full refund. I dont need duplicates of the items they have been unable to deliver. Once a purchase is made, does a vendor have unlimited time to deliver the order or should the customer have the right to have a reasonable expectation of receiving the order? If the vendor is unable to deliver the item within a reasonable amount of time, does the customer have a right to cancel the purchase? PayPal has decided to fully support XXXX, and deny me any liberties regarding the vendor/ customer process post purchase.
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TN)

My loan was transferred to Amerihome the end of XXXX to start payments in XXXX. 

I have another mortgage currently being serviced by Amerihome and do not have issues with it or viewing/accessing the account online. 

I have attempted over 20 times to set up the new/second mortgage online to be able to access my account/make payments/etc ... to no avail. 

I have called Amerihome a min of 5 times to resolve this issue and nothing has happened and no resolution. 

6 weeks later and I still can not access my newest mortgage account online to make payments, view my escrow, or set up auto pay.
Consumer complaint received 2022-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmerAssist A/R Solutions, Inc. (TX)

After reviewing my credit report, I noticed AMERASSIST AR SOLUTION at, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, PHONE # XXXX, Has a collection account on my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it. 

In accordance with the fair credit reporting act : XXXX  account # XXXX AMERASSIST AR SOLUTION, has violated my rights. 

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
Consumer complaint received 2021-10-18
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)

XXXX, XXXX and Equifax have consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with XXXX, XXXX and Equifax and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws XXXX, XXXX and Equifax has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise XXXX, XXXX and Equifax to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. XXXX, XXXX and Equifax should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. Once their reinvestigation is complete, I would like for XXXX, XXXX and Equifax to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/2022 it has come to my attention that Capital One has collected unearned interest which is a violation of ( 15 U.S.C. 1615 ). I spoke to capital about the closing of my account and the unearned interest that needs to be refunded on XX/XX/2022 and Capital refuse to comply by saying that I owed a " payment '' on a finance charge.
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I XXXX XXXX am assisting XXXX XXXX XXXX in writing this complaint for review : I am having a very difficult time with SPS. We have submitted an all cash offer to SPS. In XX/XX/2020 SPS told me that appraised value from a walk through is {$710000.00}. Then in XX/XX/XXXXduring a global pandemic with COVID 19 SPS is stating the appraised value went up to {$710000.00}. That is mathematically impossible and does not reflect the current market that is still shut down from COVID. The apprised value should of dropped a bit or at the most stayed the same. So I am dealing with an over inflated appraisal that is not accurate. It does not actually reflect the repairs that are needed to make this property livable for the new homeowner. By California State Law under the Bureau Of Real Estate I am required to disclose the repairs that are mandatory for this property. The repairs are to make the home livable and to remove the 2nd story patio that is a major hazard. These repairs are required for safety and health reasons. These are not upgrades the buyer is requesting, but required repairs. I can not stress that enough.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (WA)

I enrolled in a Debt Management program through XXXX XXXX XXXX in XX/XX/XXXX. I received an email from XXXX XXXX XXXX in XX/XX/XXXX advising a settlement had been reached with one of my accounts with XXXX XXXX. 

Dear XXXX, XXXX XXXX XXXX has some exciting news for you. We have a settlement proposal for your review. XXXX XXXX XXXX has received a verbal commitment from one of your creditors to settle one of your accounts. Below are the terms of the offer : XXXX XXXX XXXX XXXX - XXXX Current Balance Owed to Creditor - {$1200.00} Proposed Settlement Offer - {$550.00} Number of payments - 12.0 Monthly Payment o XXXX XXXXXXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} Total Savings - {$650.00} I am sure you are as excited about this settlement as we are! If you have any questions, please call our Customer Service team at XXXX. 

To approve this settlement, please click this link : Thank you, Client Success Team XXXX Toll-Free XXXX Fax XXXX That same month, XXXX XXXX sold my account to LVNV FUNDING LLC a collection agency, which now reflects as such with all three credit bureaus. On XXXX, I contacted XXXX XXXX XXXX via email to advise of the collection account. They responded back the following ... 

Dear XXXX, Thank you for contacting us. 
The final payment to XXXX XXXX was completed on XX/XX/XXXX. Please allow up to 90 days for the creditor to update their records. If at that time your account is reporting inaccurately on your credit report or you continue to receive statements/collection letters, please reach out to our Client Success team and we will work with you to rectify the situation. 
If you have any further questions or concerns, please reach out to our Client Success Team at XXXX or at XXXX between the hours of XXXX XXXX XXXX ( ET ) XXXX XXXX. 
Temporary change in hours until further notice : Monday Friday from XXXX XXXX to XXXX XXXX XXXX. 

Thank you, Client Success Team XXXX XXXX XXXX XXXX At that point, I attempted to dispute the error with XXXX, XXXX, and XXXX. XXXX, and XXXX stated the following ... 

Historical Info Original Creditor XXXXXXXX XXXX XXXX XXXX  Contact Info Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, SC XXXX Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
This item was updated from our processing of your dispute in XX/XX/XXXX. 

This will be my 3rd attempt to contact XXXX via email to see if they can contact this collection agency to make them aware of my settlement agreement ... Meanwhile it appears I continue to make payments to them for the XXXX XXXX account.
Consumer complaint received 2022-11-20
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. (NC)

accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX  XXXX has violated my rights.

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
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MT)

I hold a joint checking account with my soon-to-be-ex husband. I am a XXXX XXXX XXXX vet who is currently paying ALL the expenses associated with maintaining two households. I did not realize, when I moved my income and spending over to a separate account back in XXXX, that there were still payments attempting to come out of the account. Over the course of this time, over {$1000.00} in NSF were racked up. The issue with withdrawals has been addressed, but the account remains in the negative and I am unable to pay the joint credit card minimum, life insurance, etc. I have reached out to USAA to ask them to refund the NSF fees but they have declined to refund more than 3. 
USAA is clearly *able* to do this - they got rid of NSF fees on XXXX, so the fees are not something mandatory - they are something created by USAA and can, at their discretion, be refunded by USAA. Their choice not to is having a dramatic negative impact on my credit worthiness and ability to cover the basic household expenses I am required to maintain.
Consumer complaint received 2022-06-24
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX acct : Bankruptcy # 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 has violated my rights. 

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 state s a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-12-18
Product: Credit reporting 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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MA)

BJ Credit Card Changed from Comenity Bank to XXXX XXXX. I have spent 6 plus hours on the phone trying to get card active. XXXX XXXX XXXX XXXX then claims the have not history of sending card. I was told to call Comentity and spoke to XXXX, was not sent a email record, called XXXX XXXX, used there app, used there online system .If they can't find an account that they sent out then they must have a massive data breach, or very bad internal controls and have no idea and what cards they send out to people.
Consumer complaint received 2022-07-26
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-12-18
Product: Credit reporting 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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$570.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$320.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$820.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$250.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$360.00}
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

My name is XXXX XXXX, I live with my wife XXXX at XXXX XXXX  XXXX XXXX XXXX MA. Our income was affected by COVID-19 and we apply for mortgage assistance with servicer of our first mortgage Specialize Loan Servicing ( SLS ) on XX/XX/XXXX. We request postponing of mortgage payments for 12 months supplying SLS with all required documents. At some point SLS deactivate the file claiming that some document were not received on time. Eventually the file was reactivated and on XX/XX/XXXX per SLS request, new ( or same ) documents with dates and signature were provided. In subsequent phone call to SLS on XX/XX/XXXX ( speaking with XXXX ) XXXX ( speaking with XXXX and XXXX ) XX/XX/XXXX ( speaking with XXXX ) XX/XX/XXXX speaking with no name given ) XX/XX/XXXX ( speaking with XXXX ) XX/XX/XXXX ( peaking with XXXX ) and XX/XX/XXXX ( speaking with male -no name given ) it became clear that SLS process is slow and inefficient, different reps see different outstanding items and not willing to assist effectively. SLS allegedly have documents with missing signatures or missing dates. We supplied thise documents several times to no avail. They were all submitted on XX/XX/XXXX, XXXX XXXX XXXX and again on XX/XX/XXXX, almost two months after initial application. It seems that SLs is not willing to be of any help and move this process swiftly requesting same documents postponing this deferment of the mortgage payments. 

We feel hapless dealing with SLS as the process goes in circles.
Consumer complaint received 2020-06-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Recently, I found an accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.