davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

I sent multiple credit disputes to these companies for them to investigate things that were not mine. I sent my report to the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in a time frame they have not abiding in these laws.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

I have an auto loan account with this company since XX/XX/XXXX. The last time they reported to the credit bureau was XX/XX/XXXX. I have contacted the company monthly and still nothing. Also they were caught not crediting bank electronics direct payments, Once it was brought to their attention, they said because of Covid 19. The company name is Ally financial.. The contact info I have for them is XXXX XXXX XXXX, XXXX, MN XXXX. Telephone contact XXXX
Consumer complaint received 2020-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DC)

PayPal notified me on XX/XX/XXXX that my account had been " permanently limited '' and that I could no longer use it. I called PayPal on the XXXX, and they explained that I had violated their acceptable use policy ( AUP ) and canceled my account. They could not tell me what part of the AUP I had violated and that there was no appeals process. I called backed on the XXXX of XXXX to plead my case, and no pleading was available, that I could not have my account reinstated. 

In addition, my balance of {$500.00} would be stuck in PayPal 's hands for 180 days.
Consumer complaint received 2021-04-27
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. (OH)

XXXX XXXX XXXX marked me late on my lease on XXXX, XXXX and XXXX of XXXX. From the date my lease was taken out, I made {$300.00} weekly payments every single week. I never missed a payment. When covid hit, we lost our jobs and used the advanced payments to pay for our lease. We spoke to several representatives throughout XXXX to make sure we were current on our payments. We were advised several times we were good until XX/XX/XXXX. It wasn't until I checked my credit report to see that we were marked late. What is weird is that XXXX was paid on time but XXXX was late. I spoke to a sweet girl name XXXX who advised that this was their error and it would be removed off of my credit report. This has not been taken care of.
Consumer complaint received 2021-04-27
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. (TX)

I took out a Private school loan with XXXX XXXX XXXX ( aka 'XXXX  XXXX ' ) back in XXXX. At that time I was at the University of Texas at XXXX ( XXXX ). Please note this school has changed its name to the University of Texas XXXX XXXX XXXX ( XXXX ) in XXXX. In XXXX I transferred to the University of Texas-XXXX XXXX ( XXXX ) where I am presently enrolled. A few years ago, I noticed that XXXX XXXX XXXX ( AES ) the loan servicer erroneously reported to all the credit bureaus that this student had begun making repayments on this private loan and then stopped. This resulted in XXXX issuing another false report to all the credit bureaus that this student had DEFAULTED on his loan payments and as a result, he has missed several payment deadlines. This is the crux of the problem because when you review the Credit Report ( CR ) of this student one will see that all of his student loans, both private and federal have been placed in deferment until graduation on XX/XX/XXXX. 
Interestingly, XXXX is the only servicer who has engaged in this type of unprofessional conduct. When I brought this to their attention a few months ago, they sent me a deferment form to fill out and return with a copy of school 'Enrollment Verification ' ( EV ) which was done about a month ago. Then two days after receiving the completed deferment form and EV -- -they issued a letter of denial stating among other things that I no longer qualify for deferment even though I have never left school and still in school. This 'Dirty ' tactic of reporting me as being in default is negatively affecting my CR and this reporting of false information needs to STOP.
Consumer complaint received 2020-10-05
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)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-04-27
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: BARCLAYS BANK DELAWARE (OH)

BARCLAYS BANK DELAWA is reporting me late XXXX and XX/XX/XXXX and XX/XX/XXXX. I was never late ... I have a great history with them. They were unable to verify my inquiry when I asked for proof. I have asked multiple times. I have proof I paid on time.
Consumer complaint received 2021-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

these people keep calling using various fake and valid phone numbers, never leave a message, and when i did get someone on the phone they said my number was associated with someone who owed on a debt, NOT ME-I asked them to stop calling my phone, and they got very loud, vulgar and abusive. I have been getting these calls for over a year to the point I do not answer my phone anymore-I did use this number for my self employed business since the early XXXX 's but that is no longer an option. I am angry that this company can get away with this, and ask the government to look into their practices as there are literally thousands of examples of their abuse online in reviews about PRA.
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KS)

Mr. Cooper provided contradicting answers and provides poor service. I got off the phone today feeling like I don't matter to them as a customer, and I hope I never have to call them again in my lifetime. 

My bankruptcy will be discharged within two months, so I was trying to find out what my options are on refinancing my loan after the discharge. I called last Friday, and I was transferred to a " loan professional '' who said he would have to have someone call me back on Monday. Now it's late in the day on Monday, so I called Mr. Cooper again since no one called me. 

The individual to whom I spoke was rude and very dismissive. She said no one would call me back if I have an active bankruptcy. She practically laughed at me. My question is not silly : Can I refinance once the bankruptcy is discharged? I have made all of my payments in the plan, and I have been a good customer. I certainly never wanted to file bankruptcy, but those are the cards life dealt to me. Some understanding and respect would be nice.
Consumer complaint received 2020-06-25
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-06-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (CA)

I have used XXXX for a number of years. They offered me a personal line of credit of {$2800.00}. I agreed to their terms ( the fine print ), understanding that the personal credit line was actually offered by Synchrony Bank. Since I have a very short credit history, I am vigilant to always pay down to zero any credit use within the terms of the credit card or personal credit line so that my credit score is impacted as little as possible. 

As I understood how credit scoring worked, use of my credit while keeping percentage of use below 30 % was ideal for increasing score over time. 

On XX/XX/XXXX I made a payment of {$1500.00} as I had used XXXX to conveniently purchase two airline tickets at XXXX XXXX earlier in the month. This amount was immediately debited from one of my accounts at XXXX Bank. As of today, XX/XX/2022, Synchrony Bank is holding back almost {$1000.00} of my credit line as 'security ' which is what their representative told me earlier today when I called to inquire why credit reporting agencies were showing my credit use much higher than it should have been. 

My guess is Synchrony is using this hidden and deceitful 'security ' as a way to comply with Federal Banking regulations related to retained capital requirements. Synchrony would not tell me when the 'security ' hold would be taken off my account. 

This practice is opaque, not explained AT ALL when opening the personal line of credit, and very negative to my overall credit rating which dropped XXXX points in the latest cycle despite me having no real outstanding debt. I liken this to corporate check kiting. Where are the regulators?
Consumer complaint received 2020-05-04
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. (NC)

Can some please help me.After reviewing my credit report I on XX/XX/2020 wrote to Equifax about inquiries that i did apply for, Equifax reply that it was verify. How was it verify I sent in a id theft affidavit my 1st letter. on XX/XX/2020 I resent all docs to Equifax with a 2nd letter and I will also upload
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (TN)

On XXXX XXXX I sent a letter to the credit bureaus asking how did they come to the conclusion that I have 6 bankruptcies on my credit which is impossible being that Im only XXXX XXXX old. Also by law I know if the can provide me with the information that they have to remove the questioned items from my credit report
Consumer complaint received 2023-03-18
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. (MA)

Today is Saturday XX/XX/2023. I called Equifax. I went on the site to dispute two Harding inquiries. 
The first representative had no clue wanted a police report wouldn't help ask for supervisor I got his survey. 
Finally I got a hold of a supervisor by the name of XXXX. 
Omg she's as bad as her representatives. And I have a lot of knowledge and expertise and I'm a customer service and billing consultant and make secret calls for corporations. 
Anyway. I go into disputes on their site I dispute the hard and inquiry it only gives me three options that I didn't authorize it that it's fraud and it's not mine? 
Above it it says if I wanted to add additional comments which I did because those are the only three options and none of them apply. 
So I hit edit and it brings me back to the original screen to submit the dispute. 
I don't know how many times I was asked with the problem was that I need to do it on line I went through it tried the disputes told him what I was seeing. 
So speaking to the supervisor I assume she would be able to do it on the computer because the phone computer says that I can do it manually with a representative. 
she had no clue. She took my statement but I know she wasn't typing it in that's why I asked her for her name. 
There's two hard inquiries and one is from a credit called called XXXX Nowhere on their application is there any disclaimer that they do not service certain states and one of them is my state of Massachusetts. 
Knowing that and knowing the application from Massachusetts there should have never have been a hard inquiry. And my denial letter stated it was because they don't service Massachusetts in a few other states. 

But with only those options and no ability to add comments how in the world are they going to know what happened and they're only going to go by what I pressed for an option. 

I want these disputed and one of them is Equifax mortgage services. Which is basically they do a run so lenders can get a hold of me. 

I'm a veteran I'm using VA home loans. They're not even on my report. Equifax had no rights no permission to run a hard inquiry just for their own sake so they could third party it out. 

Those two items I want disputed because of the answers I've just given. 

Thank you for your time I'm adding screenshots of the ones I want removed. Also screenshots of disputing it and the problem with me being able to add a comment and only the three options available to dispute something. 
Also I believe it's the last one I uploaded it looks like I need to file the complaint and submit it but that's what it looks like after I hit edit so I can add a comment
Consumer complaint received 2022-09-17
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (SC)

Credence Resource Management LLC are debt collectors demanding a debt on behalf of XXXX XXXX XXXX I have not received any goods or services from Credence Resource Management LLC, and I do not know how Credence Resource Management LLC received my private information. 
Upon checking my credit reports Credence Resource Management LLC flagged my credit on XX/XX/2022 with unverified collection activity. Credence Resource Management LLC did not honorably submit their demand for funds through the US Postal service to allow me to properly dispute their claim of {$100.00} owed to them. I did not authorize Credence Resource Management LLC to use my email address or social security number to damage my credit files. 
Credence Resource Management LLC do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Credence Resource Management LLC . 
I am not a party to any agreements that Credence Resource Management LLC may or may not have with XXXX XXXX XXXX I am not responsible for Credence Resource Management LLCs purchase / transfer from XXXX XXXX XXXX I have not agreed to pay/tender anything to Credence Resource Management LLC . 
Credence Resource Management LLCs reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Credence Resource Management LLC or XXXX XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist
Consumer complaint received 2021-06-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Solidifi US, Inc. (IA)

My name is XXXX XXXX XXXX. I am in the middle of a purchase through XXXX XXXX. The property address is XXXX XXXX XXXX XXXX Iowa XXXX. I don't understand why there has been continued delays on the appraisal and then when it was done there were errors made which required an appraisal addendum. We were advised the addendum would be in asap but it was not received at all last week and then it was not received over the weekend. We are now three weeks away from when we sold our home on XX/XX/2021 and we still haven't been able to move in. Please please escalate this to be done asap as we are a family of XXXX with XXXX family dogs. We are in hotels and boarding pets while this process continue to be delayed. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-27
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$960.00}
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OR)

I deposited a check using app and received notice that my funds would be available the next day so I schedule a payment for the next day. When I checked the status of my deposit the next day the check was hit with an 8 day additional hold. My scheduled payment went through and put my account in the negative. 
I reviewed my account on the latest scheduled day and without any explanation the money was still not available. The manager of the branch and the corporate help line have offered no explanation as to why my funds are still unavailable or when they will clear.
Consumer complaint received 2020-11-24
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. (NY)

To whom it may concern, I recently was sent a pre approval link from XXXX  I went to it and signed up. On the link it said pre approval will not run a hard pull without me giving consent. This was all done XX/XX/2020. Now on XX/XX/2020 it is showing a hard pull and decreasing my experian score like crazy. I called XXXX twice on XX/XX/2020 both customer service reps agreed with what I was saying. They told me best to contact experian so they can remove it. I than called experian waited on hold and kept talking to robots and not a live person. I was than recommended to come here so that you guys can help solve and fix this problem since it is in accurate and not authorized by me. I want this off my credit report with anyone XXXX  ran my score through. In there own tape recorded conversations they had stated all I had to do was contact experian and show picture proof if i couldn't get them on the phone. I have picture proof which i will attach of XXXX  saying pre approved, the inquiry being place and the credit drop it created.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX, I received a debit card from Merrill Lynch XXXX. I did not open an account with them or request a debit card. I am trying to confirm if this is identity theft, a solicitation, or if they just opened an account without my knowledge or permission ( I do have a Bank of America account ). I have spent over an hour on hold but have been unable to speak to someone about addressing this issue.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hi, 3-4 years ago I had a credit card with XXXX XXXX and I recently checked my credit score and I saw something negative report on it from them. I called XXXX XXXX on XX/XX/19. For an hour I spoke to 9 different reps. going back and forth trying to resolve this issue. After providing my social and all info required for an account they had said that there was no file and account there with my name/ info on it. Therefore, this information is incorrect and needs to be removed from my credit report. It is is hurting my credit and prohibiting me from getting funding for my business. I tried to work with them to get this resolved, but no one could help. I need this information taken off of my report as soon as possible. I've done everything in my power and don't know what to do at this point. I'm very disappointed in the disorganization of state farm and this has been quite a frustrating experience.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (GA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''
Consumer complaint received 2020-04-27
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$960.00}