davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MO)

According to Radius Global a short term loand was opened with my information - all correct except spelling of first name, bank and email. The original account was oppend with XXXX XXXX who never contacted me. My first contact regarding this fraudulent account was from Radius in XX/XX/2020. 

During my first conversation with Radius I was told that it was an XXXX account and any dispute had to be addressed with them. On XX/XX/2020 I contacted XXXX who informed me that the account was no longer their 's but instead was sold to Radius. Any dispute needed to be filed with Radius. All further attempts to contact Radius went to dead phone lines. 

On XX/XX/2020 I recieved written communication from Radius stating that they investigated and determined the account was valid and that I now owed XXXX plus an additional late fee for XXXX. 

On XX/XX/2020 I spoke with a Radius employee who informed me I needed to file a police report and return with the letter ( which will be done today, XX/XX/2020 ). The Radius employee also informed me they are simply collecting the debt for XXXX and that the account is not a Radius account. This contradicted the information provided by XXXX on XX/XX/2020.
Consumer complaint received 2023-03-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MA)

PNC Bank held a foreclosure auction on XXXX XXXX XXXX XXXX XXXX, MA on XX/XX/XXXX over a total balance due of approx $ XXXX with approximately $ XXXX past due. This relates to a home equity loan that my late mother took out in XX/XX/XXXX for {$89000.00}. That principal was all repaid years ago with maybe double that amount in interest. But that is neither here nor there. The fact that the much of the past due balance was incurred during a global pandemic where the entire country was shut down for two years is also neither here nor there. What may be here or there is that I didn't find out about the auction until over a week after the fact. I also didn't out about it from PNC ( who to this very day has yet to inform me of the auction ) but I learned about via the winning bidder. Who, BTW, has been extremely empathetic to my situation and is more than happy to walk away from her bid if PNC complies. If I knew about the auction ahead of time, The Mass Homeowners Assistance Fund ( who I have subsequently contacted and who I am now seeking a grant for up to $ XXXX re this matter ) informed me PNC would have stopped the auction from taking place based upon an agreement they have in place with them. I didn't find out about the auction because PNC either ignored or denied a request to have correspondence also sent to my cousin/executor. That request was made years ago ( XXXX  I believe ) because of my mental health issues but also because the address they send mail to isn't checked regularly and is a just mailbox near the sidewalk that can easily have its contents stolen. PNC also or ignored or denied my Financial Hardship Application filed last summer that I understood would postpone collection activities for 1 year. I have filed complaints with the MA Attorney General and MA Division of Banks who referred me here as PNC doesn't fall under their jurisdiction. I have also been referred by the HAF to XXXX XXXX XXXX XXXX XXXX organization which I intend to utilize as well. As all they're interested in is their blood money, hopefully one of these groups might compel them to do the ethical thing and wait for the HAF grant to be approved. Or, if that doesn't work out, give me the opportunity to sell off the first floor unit as a condo. Their lien isn't going anywhere and they will get their money without stealing a home that has been in my family for over half a century. Thanks for your time and help! It has been desperately needed and appreciated.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Experian is steel reporting the Inquiries that are false and fraudulent and they hurting my credit report Experian keep Violating my rights as a Consumer and the Inguiries was not never remove Under Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information So all Inquiries need to be remove
Consumer complaint received 2023-08-24
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. (TX)

I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$39000.00} XXXX  XXXX Balance Owed : XXXX XXXX  XXXX Balance XXXX : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$3800.00}
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 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
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I was late in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) I was dealing with significant health issues and contacted XXXX XXXX  and spoke to an account manager and they agreed to lower my APR to 4 % and set-up my monthly payments on auto-pay. ( I have also attached statements for XXXX, XXXX and XXXX for reference. ) We negotiated this payment plan starting in XXXX. I had never missed any payments. I was told that with this payment agreement, no lates would be applied to my account. Unfortunately, XXXX XXXX did not honor our agreement and continued to report this account late. This false reporting of lates is seriously harming my credit score and these line items need to be removed and/or updated to report no late payments. I have contacted XXXX XXXX as well as the bureaus to fix my credit report however, I have not been successful.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (TX)

I have a Target Credit Card and my credit limit is never increased when I make a payment only until I call and have them verify with the bank that the payment has gone through. I would completely agree with that, but currently I am waiting on payments to reflect to my credit availability going on seven working days. I have discussed this with Customer Service and they refer back to Target Credit Card Agreement which states " We may delay restoring your available Credit Limit in the amount of the payment to make sure we receive the funds. '' However, when I ask what process that is used to ensure my funds were received, they can not answer that question, but become insistent that we do a conference call to verify the payments.
Consumer complaint received 2022-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (NC)

I applied to Affirm for a loan with XXXX XXXX. There was a delay by the company which said the furniture was in stock and was not. I cancelled the order BEFORE the items were shipped due to the lengthy dely and no update by XXXX XXXX. After I canceled the order, They said the items were shipped with no confimation and I was charged Approximately XXXX for a restock fee which I do not owe. I attempted to do a charge back with Affirm but they state they can not due to XXXX XXXX policy. This is fee fraudulant and illegally placed on my credit report and needs to be removed per CFPB and FCRA/FDCPA regulations.
Consumer complaint received 2020-07-07
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. (PA)

XXXX XXXX  XXXX XXXX  XXXX ) I have sent 4 challenge letters to XXXX  , experian , and XXXX  . Each time they say that the account has been verified ... How can they verify that this account is reporting 100 % accurate if they are all reporting different information? they have not conducted full and proper investigations is the answer ... .I am attaching a copy of my report so that you can see all of the inaccuracies in the reporting ... first off the account # includes the letter L which in reading is a metro 2 violation. XXXX  is not reporting terms and the other 2 are. account status are different, high credit is different, the comments are way different ... 2 of the bureaus do not even have the comment that it is in dispute which is a clear violation. date of last active are all different, date of last payment are all different and the 2 year payment history is totally different ... XXXX  is reporting ok, experian is reporting a new charge off every month which is killing my score and XXXX  is reporting nothing
Consumer complaint received 2020-07-07
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: AMERICAN EXPRESS COMPANY (TX)

I ordered something from XXXX  back in XX/XX/2020. Did not get anything until XX/XX/2020 .... 

Opened the box that came from XXXX and it was not the item I ordered from XXXX. I reached out to XXXX to tell them what happened. And they told me the item does not qualify for a return/refund ... But i told them that this is not what i ordered. So I went to the post office and requested, return to sender. Dropped off the pacakge at the post office. Then i followed by disputing with AMEX. Everything was ok until last month. AMEX decided to charge me for the item again. I thought all this was taken care of. So here I am trying to get my money back. I have called AMEX customer service multiple times and I dont get anywhere.
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (SC)

I paid off a loan with Navy Federal Credit Union ( NFCU ) in XX/XX/XXXX using an online transfer from XXXX XXXX. In XXXX of XXXX, a year later, Navy Federal erroneously sent back the pay off back to XXXX XXXX. NFCU then charged interest for an entire year even though my loan was paid off. 

I only became aware of the loan being active again when it showed on a mortgage application. 

Once I was aware the loan was open I immediately paid off the total. However, there was an added {$2600.00} in interested as a result of Navy Federal backdating an entire year. Again, even though my loan was paid off. 

The entire time between the loan re-opening and being paid off 'again ' was about XXXX weeks if I recall correctly. Nonetheless there's an entire year of interest. 

I've spoken with XXXX XXXX regarding any request to have the funds sent back. XXXX XXXX specifically said, because the amount of time is over a year they would have not requested nor would have any ability to request the funds be returned for any reason. I was sent a letter that also mentioned this. 

I've made many attempts with NFCU to resolve this issue without result. Most recently I've gone back to my message accounts in XXXX XXXX and can not find any of my communications regarding this matter in my secure inbox. Even though there are older messages in the inbox and I have not deleted anything. 

Attached document shows the last payment received on XX/XX/XXXX The loan was satisfied and closed. 

Screenshot attached. Messages in NFCU dating back to XXXX. However, any messages regarding my attempts to have the issue corrected have been removed from my inbox. I have never deleted a message from my NFCU inbox. The message labeled " Message from Navy Federal Credit Union [ XXXX ] '' is the attached document mentioned above showing the loan paid off.
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (GA)

On XXXX XXXX I transferred {$250.00} to my other business bank account and {$750.00} to another recipient from CHASE bank. Neither of us received any money. I called Chase Bank and they launched an investigation and said they would call in XXXX days. Nobody contacted me, I had to call and said call back in a week and it should be refunded. I called back and they said they cant refund my {$1000.00}. I have called 5 times and every one I talked to is making me out to be a liar. I am furious and this is unacceptable! I have been with Chase bank and making a lot of transactions and this is total disrespect. I have been lied to, and given misinformation. They will say contact XXXX, however in their clause they are not liable for any transactions involving your online bank. They are only liable if you transfer money through their app. Pleas help to resolve this issue. Thank you
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (AR)

Agent called saying I owed a debt and that I made a payment in 2020 but refused to send me any documentation of payment or anything that proves the debt is mine. I asked for the paperwork for the alledged account and was told I can fill out affidavit paperwork but they would not provide me anything other than the letter that stated a debt was placed in there office. Agents were very rude and and continued to rush me off the phone saying that theyve sent all theyre going to send and I can return the paper.
Consumer complaint received 2023-01-20
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. (IN)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so. I need you to remove the following fraudulent accounts and information off of my Credit File as soon as possible : 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 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 I am requesting that you immediately remove the disputed items off of my Credit File.
Consumer complaint received 2022-11-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc. (TX)

I attempted to have the XXXX XXXX office show me where I owed them money, & they never provided me with a bill / invoice before sending me straight to collections. I still have not seen the itemized bill for what I supposedly owe. Now that I am trying to get to the bottom of this as it is effecting my credit, I can't get ahold of the collections agency. I think they are no longer operating. The company is called Merchants & Professional. None of their phone numbers/ websites are working.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX ; Experian and XXXX  are reporting incorrectly that I was late in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) I was dealing with significant health issues and contacted XXXX XXXX  and spoke to an account manager and they agreed to lower my APR to 4 % and set-up my monthly payments on auto-pay. ( I have also attached statements for XXXX, XXXX and XXXX for reference. ) We negotiated this payment plan starting in XXXX. I had never missed any payments. I was told that with this payment agreement, no lates would be applied to my account. Unfortunately, XXXX XXXX  did not honor our agreement and continued to report this account late. This false reporting of lates is seriously harming my credit score and these line items need to be removed and/or updated to report no late payments. I have contacted XXXX XXXX  as well as the bureaus to fix my credit report however, I have not been successful.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (AZ)

On XXXX I applied with several banks that the dealership was to search for a good interest rate to proceed with the purchase of the vehicle I was going to buy. I finally settle on XXXX XXXXXX/XX/XXXXThe purchase was completed. A few days later I received a letter from XXXX XXXX, advising me that they denied offering a loan to me because of my credit score of XXXX ; research by SageStream LLC. On the same letter included XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX. The denial of loan by XXXX was contrived by them. 
It should be noted I've had a RV vehicle loan for the last XXXX with XXXX. ( never a late payment ) I was using the RV as a trade in for the XXXXXX/XX/XXXX I was purchasing. 
I've filed a dispute with Sagestream LLc as well. The info listed with them is not different from XXXX and XXXX XXXX. 
I personally think XXXX XXXX With SageStream collaborate on with whom to grant loans to. 
The EVIDENCE IS THE DENIAL LETTER SENT TO ME BY XXXX XXXX
Consumer complaint received 2023-01-06
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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: TRUIST FINANCIAL CORPORATION (GA)

Regional acceptance, XX/XX/2019, the car was an ex of mine who did not pay the car off because the engine went out and he did a voluntary repossession with out my consent.
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (NC)

YOUR COMPLAINT This company has been reporting negatively on my credit report since XXXX. I first recognized it about 2 years ago and disputed. The amount showing is {$270.00}. I have disputed item more than once as well as asked for proof of item, how it was ordered, when it was orderd as well as what the item actually was. Received no response. I currently have an open complaint with CFPB but the company is claiming not to know me. The address attached is my address and my name prior to marriage in XXXX was XXXX. Please send me a contract that I supposedly had with you or remove from my credit report. I keep disputing requesting documentation and your company is failing to do so. This debt does not belong to me and I need proof as to why you say it does.
Consumer complaint received 2020-07-07
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: PENNYMAC LOAN SERVICES, LLC. (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.