davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
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 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2019-01-09
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. (NC)

On XX/XX/XXXX, my husband and I sent an investigation request to Equifax. My husband received his portion of the response weeks ago, but I have yet to receive my portion of the response.
Consumer complaint received 2022-06-09
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. (FL)

Transunion has stated they " verified debt '' Please explain to me how you conducted your investigation! 

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 

Please respond accordingly,
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

I have documents and payment proof for every single transaction. 

My mortgage was merged over to Select Portfolio Servicing Inc on XX/XX/XXXX. 

In XXXX I paid a grand total of {$74000.00}. 

In XXXX I paid a grand total of {$330000.00} From XX/XX/XXXX - XX/XX/XXXX I paid a grand total of {$410000.00} I tracked all of this day to day in order to avoid all interest charges that were associated with this mortgage. 

On XX/XX/XXXX - I received my payoff statement showing that I overpaid my mortgage by {$48.00}. And Select Portfolio Servicing Inc. owes me {$48.00}. 

On XX/XX/XXXX my mortgage as officially Paid In Full with a XXXX balance. 

On XX/XX/XXXX I received my official XXXX balance Letter / Paid in Full Statement from Select Portfolio Servicing Inc . 

On XX/XX/XXXX I received my official Mortgage Statement from Select Portfolio Servicing Inc. showing that my mortgage is Paid in Full with a {$0.00} Balance. 

On XX/XX/XXXX, I finally received my full payment history showing all payments bringing my Mortgage to a XXXX balance {$0.00} Then, out of nowhere, I log into my Select Portfolio Servicing Inc. online account XX/XX/XXXX, and it shows that I magically have XXXX ( XXXX ) DIFFERENT MORTGAGE BALANCES as of yesterday Monday XX/XX/XXXX. 

The XXXX  ( XXXX ) different balances show the following : The XXXX balance shows that I have a principal balance of {$0.00} ( XXXX cent ). 

The XXXX balance shows that I am due a credit of {$180.00} as I overpaid my Mortgage on purpose to avoid interest. 

And the XXXX balance shows that I have a XXXX Balance / Paid in Full Account at {$0.00} This is where EVERYTHING becomes so suspicious, fraudulent and just outright nasty. 

After speaking to someone for over 35 minutes by the name of " XXXX '', they finally connect me with " XXXX XXXX '' who explained that yes I have a principal balance of {$0.00} and that this account will come to a close and be updated and marked as Paid in Full as of today XX/XX/XXXX. 

XXXX XXXX promised to call & no call at all. 

Then I log into my Select Portfolio Servicing Inc. account today and they have the AUDACITY to state that I now have a Mortgage Balance due for {$4700.00} and now my monthly mortgage payment went from {$2400.00} to {$98.00}???!!!! 

This is outright fraud, this is completely illegal, they refuse to show me any proof or documents and I will not stand for it. 

Just to prove them wrong and show them how illegal it is what theyre doing, I set up an automatic payment for {$4700.00} that will be paid tomorrow morning, XX/XX/XXXX. And I sent another {$10.00} wire transfer dated for today as Select Portfolio Servicing Inc. last payment always has to come via Certified check or wire.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I deposited a check into my account for {$2500.00} that was given to me by mother. After the check was written out to her. She is not on my account, so she endorsed the check over to me to deposit the check into my Huntington account. This was money given from my grandfather 's business to my mother to help bury my sister. We signed all the paperwork to prove it wasn't fraud and the money is still being held by the bank and no one will tell us why. The paperwork was even notarized by the notary at the bank XXXX XXXX. Huntington has also closed out my bank account because of fraud after the check was approved and stayed in the bank for XXXX weeks and then taking out of the account without any notice, warning or phone call. They say with no proof of fraud because my grandfather has gone to the bank as well to sign paperwork and now the bank is stating that no paperwork was even signed. I was called by XXXX at the Huntington National Bank at XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on XX/XX/2022, to come into the bank to reopen my account. When I got there with my mother, XXXX wouldn't even speak with us and then I was given the run around. The other lady that I did speak to informed me that my accounts would be closed and that they couldn't help me. Here is XX/XX/2022, and I still can't get a clear answer to where the money is or why they will send the monies back to my grandfather 's account. I called to speak to the branch manager there, she stated to me that couldn't help me with my situation because XXXX is the XXXX, I needed to speak to. She wouldn't even help me. At this time, I really feel discriminated against because I am XXXX because I havent given these people any reason to ever question my transaction. I have done everything they asked me to do to prove it wasnt fraud. And no one is even giving me an answer to any of my questions. I would really like Huntington National Bank to give me and my mother the monies that were provided to us for our loved XXXX funeral.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

In XXXX of 2022 I purchased an annual subscription to XXXX via XXXX XXXX. On XX/XX/XXXX my account was compromised due to fraud and I was locked out of the service. Neither XXXX nor XXXX was able to resolve access so XXXX told me to cancel my subscription which I did. I requested a refund for the pro-rata of the remaining ~9 months which I had paid for, approximately {$70.00}. XXXX advised me that my annual subscription purchase was outside their 60-day refund window and refused to refund anything. 

The issue is that XXXX encouraged me to sign-up for an annual subscription vs. monthly by providing a better rate. I had a good-faith expectation that XXXX, through it's subscription service, would be able to provide me access through the term of my subscription. XXXX failed to provide that service and hides behind the 60-day refund policy. That's unacceptable to me. 

I've filled out all of the surveys and escalated to Apple Card, the credit card arm of XXXX. I've escalated to their senior advisors and they even agree that I'm right, but are unable to do anything, so I ask that the CFPB look into this practice for the countless other people that may have had the same issue.
Consumer complaint received 2022-04-05
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: Bread Financial Holdings, Inc. (NJ)

. On XX/XX/XXXX I paid my bill of {$110.00} in full. At that point I believed my balance was paid and full. However my XXXX bill had a residual balance of {$2.00}. My XXXX bill was {$6.00}. My XXXX bill was {$14.00}. My XXXX bill was {$31.00}. My XXXX bill was {$65.00}. On XX/XX/XXXX Victoria Secret sent me a text saying I have a bill for {$65.00}. On XX/XX/XXXX I made a payment for {$65.00}. I was under the impression that I had a zero balance from XX/XX/XXXX. Once I was made aware of the issue I did a dispute on the Victoria Secret web site. The dispute department rejected my claim. I would like to appeal the denial decision. 

I called into the Victoria Secret customer service line speaking to XXXX and her senior representative XXXX on XX/XX/XXXX. XXXX explained the residual interest and the calculator process to me at that time. As I explained to XXXX how am I supposed to know the process If I was never made aware of it.
Consumer complaint received 2019-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (AL)

I am emailing in regards to an erroneous account being reported on my XXXX  and XXXX consumer credit report. This company NCB Management is reporting this erroneous account on my report. I have attempted many numerous request by certified mail that NCB Management verify this account belongs to me by providing physical verification such as a signed contract and etc. Section 611 ( 5 ) ( A ) of the FCRA clearly states that this information should be promptly  deleted if it can not be verified.
Consumer complaint received 2022-02-05
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: Resurgent Capital Services L.P. (CO)

I have made several attempts over the past 2 years to have this account removed due to fraud from XXXX, XXXX and XXXX. I am constantly being told that this accounts belong to you. No it doesn't it was opened fraudulently, and I have provided a police report to show that my wallet was stolen. Inside my wallet was my drivers license and social security card. Also included were other identifying documents. This is a fraudulent account that needs to be removed from my credit report. 

LVNV FUNDING LLC Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXX BANK XXXX A Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX  XXXX BANK N A
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

i made a payment and it was not credited to my account, I began questioning this XX/XX/XXXX with XXXX XXXX. i submitted bank statements to resolve the issue. XX/XX/XXXX I followed up with XXXX XXXX and again with her on XX/XX/XXXX. I was told no issue was found but yet still disputed this as the funds came out of my account. My account continued to go behind and i was advised once the issue was resolved a payment arrangement COULD be made. I called in XXXX and was told the payment error was found and was applied to somone elses loan and NO ARRANGEMENT can be made and the loan was now in foreclosure. No follow up was made with me as i was told each time someone would follow up. This was not done. The account was only behind a month once when this occurred but due to the payment not posting correctly i was not able to make payments as full amnt was needed, i was told this would not be an issue once the payment was found and they could make arrangements. I also did not receive the demand letter that they say was sent, i received one that was suspended prior to this.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am writing to express my concern about the disputed accounts on my credit report. I have raised issues regarding inaccuracies multiple times and have consistently requested thorough investigations. Unfortunately, I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file and affecting my ability to lead a normal life. The negative impact of these inaccuracies has created considerable hardships for me, and I am reaching out for your assistance in resolving this situation as quickly as possible. 

I kindly request a comprehensive investigation into each of the disputed accounts. It is essential that steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. 

I urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you for your understanding and assistance.
Consumer complaint received 2019-01-12
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. (CA)

According to my recent credit report request from Transunion, XXXX, XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT
Consumer complaint received 2022-12-19
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. (LA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and XXXX of XXXX XXXX Account XXXX I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXXXXXX Balance : {$1700.00}
Consumer complaint received 2019-01-12
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. (CA)

According to my recent credit report request from XXXX, XXXX, Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

Hello, I want to file a complaint against PayPal XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have tried to reason with the company since XX/XX/2023 to XX/XX/2023 with no resolution. 

The Details : The company decided to permanently limit my account with no reason or explanation I use the account mainly to pay vendors ( i.e. XXXX, XXXX, XXXXXXXX XXXX, etc. ) I have never used their services to operate a business I have sent and received money for an occasion sale of a used/personal item or service on rare occasions as I have the last 19 years The company started to offer XXXX services as of XXXX, I invested some money to XXXX using their services. 

The Issue : Theres about {$1700.00} worth of cryptocurrency invested in my PayPal account that is locked up. I am unable to sell in an event that crypto starts to devalue ( due to volatility, especially in these times ). Moreover, based on research on various forums such as reddit, there is a likelihood that PayPal wont be returning my money after their excessive and abusive 180 day holding period on funds. Please, I would appreciate some assistance in this matter. I would like my funds to be returned to me as soon as possible. Their reasoning to hold funds is for chargebacks or issues with my buyers. This is entirely false because I do not operate a business or sell as mentioned above. The company has refused to acknowledge this. 

Examples of others going through the same : https : XXXX https : XXXX https : XXXX Screenshot of my PayPal Account XXXX : https : XXXX Youll see I merely use their services to pay vendors. I do not sell. 

I would like some assistance in this matter. It is very frustrating to realize my money is potentially lost, and I am still in disbelief this is coming from a legitimate company. Had I known PayPal to be unfair, unprofessional, and inconsiderate, I would have not invested crypto with them to begin with.