davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (WA)

I started a refinance process with Loan Depot back in XX/XX/2020. The process was going well but then we got an appraisal which was from a company they selected and the appraisal come back really bad. They had the wrong square footage from my property, missing about 500 sq/ft. Did not disclose all the work we have done in our house or anything. 

Covid came to play and the process got totally derailed where they couldn't move forward because of the appraisal. They said they would be able to get another one since the first one was not reliable. Months have passed and they can't move forward OR want to refund the appraisal money so I can shop somewhere else. 

We got a recent appraisal from another company and that one is realistic so we are currently working with another company.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The following accounts are due to identity theft and need to removed and blocked immediately. I have attached a copy of FTC Report and Police Report to this correspondence. 

The following fraudulent accounts need to be removed and blocked immediately under FCRA or legal actions will be taken against Experian. These accounts were opened by someone who stole my identity and use my information without my permission. I am requesting for Experian to block and remove these fraudulent accounts immediately within four day of receiving my FTC report. 

1. XXXX XXXX Account # XXXX Balance : {$3600.00} 2.  XXXX XXXX Account # XXXX Balance : {$3700.00} 3. XXXX XXXX XXXX Account # XXXX Balance : {$550.00} 4. XXXX Account # XXXX Balance : {$3000.00} 5.XXXX XXXX XXXX Account # XXXX Balance : {$8600.00} 6.XXXX XXXX XXXX   Account # XXXX Balance : {$5500.00} 7.XXXX XXXX XXXX   Account # XXXX Balance : {$28000.00} 8.XXXX Account # XXXX Balance : {$3500.00}. 

Under FCRA, Experian has four days to remove and block these accounts. If not, I will reporting your company to Better Business, Consumer Financial Protection Bureau as well as my Attorney General Office due to your negligence.
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (VA)

Bread Financial XXXX Comenity Bank has been unable to accept payments or balance and statement requests through their online website since approximately XX/XX/2022 due to an outage from a planned upgrade. The provider has been making claims on social media that other avenues to make payments and check balances are available, however, this has not been my experience. Second to that, the provider has attempted to deflect attention by claiming this was a planned outage and when confronted with questions regarding whether or not this was ransomware, they have vehemently denied. Financial institutions are required to notify consumers of planned outages, are required to perform regular backups of systems so that outages are temporary transient events not weeks long, and submit notification within XXXX hours of any cyber events to federal regulators. None of these steps have occurred, and consumers have been left with cards they can not pay and vague assurances from Bread Financial on social media that their credit scores wont be impacted negatively. To date, no formal notification of the outage, presumed XXXX, or steps consumers can take has occurred, which would be expected in the case of a ransomware attack, as Bread Financial has no ability to roll back ( depending on when the intrusion occurred ), or access their systems to provide notification.
Consumer complaint received 2020-07-06
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 (IL)

I am having an issue with paypal that is blocking my money and closing my account for no reason. They don't even want to let me access my money until 6 months. I had no warning nothing! They just limited it all the time and block my money which is around now {$10.00}. I want my money now not in 6 months!
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: Experian Information Solutions Inc. (TX)

sent ftc to experian with all the non accounts that were not mine XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Consumer complaint received 2020-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (UT)

Mortgage was refinanced and closed on XX/XX/XXXX. First payment was due on XX/XX/XXXX and I was required to make this payment by a check. The check cleared my bank on XX/XX/XXXX. I made the XXXX payment on the website and it cleared my bank account on XX/XX/XXXX. I made the XXXX payment on the website and it cleared my bank account on XX/XX/XXXX. 

The bank is claiming I didn't make the XXXX payment. I found this out on XX/XX/XXXX. I tried to resolve with customer service who stated they can see I made a payment but didn't apply it. She could not assist and said she had to email somebody and I would hear back in 10 business days. She told me if not posted by XX/XX/XXXX I would incur a late fee.
Consumer complaint received 2020-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

For the past couple of weeks I have not been able to logoin to sls.net to see my mortgage. Specialized Loan Servicing customer service is not equipped to assist. They make you hold forever and have no answers. I get the below error message from XXXX browser as I attempt to login " Network error. Please try again later. '' I understand this could be a temporary issue but for weeks on end with no communication? 

Other browsers will not even connect to the login website such as XXXX XXXX and XXXX XXXX. Here is the error from XXXX/XXXX browser " Your connection is not secure The owner of www.sls.net has configured their website improperly. To protect your information from being stolen, XXXX has not connected to this website. 

Learn more Report errors like this to help XXXX identify and block malicious sites ''
Consumer complaint received 2022-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

A checking account and growth money market account were opened at TD Bank in XX/XX/2022. I contact TD Bank upon receipt of bank statements received in the mail. I advised the customer service rep I did not authorize the opening of these accounts. I was advised there would be an investigation and those accounts would be closed. The bank statements continued to arrive. the following month. I called again. I was told the statements would continue until the investigation closed. The statements continued the into XXXX. I called again. I was told to go to the branch. The branch researched and concluded the account was left open in error but by that time I was placed with collections because there were transactions on the account which resulted in insufficient funds. I disputed the collection with XXXX XXXX XXXX  in XXXX. I received a letter from TD bank dated XX/XX/2022 acknowledging my identity theft claim ; however, as of XXXX XXXX I have collection letters from XXXX located XXXX XXXX XXXX XXXX XXXX NJ XXXX. I am now disputing with another agency. TD Bank needs to retract the collection effort and call off the debt collection for {$110.00} for which was the result of fraud committed by others.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (PA)

HARD INQUIRIES TO BE DELETED : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX ADDRESSES TO BE DELETED : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX
Consumer complaint received 2020-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (AZ)

First let me state this. I do not owe XXXX anything I have never used XXXX services and I do not live in XXXX TN nor have I EVER. A quick check of my record will show I have lived in XXXX, AZ at the same address for the past 9 years ( XXXX to present ). Apparently someone used my social security number and the name XXXX XXXX to establish services at XXXX XXXX XXXX XXXX, XXXX TN. I got the address from an AFNI telephone call and a representative named XXXX. My name is XXXX not XXXX, but apparently XXXX is not smart enough to know that XXXX is not the name attached to my social security number. From AFNI I was able to get that this XXXX person had service from XXXX of XXXX until XXXX of XXXX. I have attached XXXX AZ utility bills for  the period in question showing that I lived in XXXX, AZ and not XXXX, TN. 

XXXX apparently tried ( again ) to collect a {$230.00} debt from XXXX which I seem to have to deal with every year in XXXX. Every year I go through this and a different collection agency. This time, I have tried to work with XXXX, AFNI, XXXX XXXX with no results. Only instructions to do this or that and from them I was given wrong URL addresses and telephone numbers. I am fed up with the XXXX run-around. The company should be sanctioned.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX filed ftc XXXX days ago
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FTC Violations XXXX XXXX XXXX XXXX XXXX {$5700.00} USDOE/XXXX  {$71000.00} XXXX XXXX {$3000.00} XXXX   {$360.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glass Mountain Capital, LLC (CA)

All my online disputes through the Bureaus were closed and determined accurate, I was not provided any additional information. I then wrote and mailed letters via USPS. First letter was in response to debt collector recent claim regarding money I owe showing on my report. Complaint started back on XX/XX/XXXX, XXXX requested proof & evidence which they failed to provide at first and by not replying in a timely manner to my initial letter they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 2nd letter requesting additional information received photocopied inaccurate documents of debt. 3rd letter due to be sent out, which I will notarize.
Consumer complaint received 2022-10-13
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 (NY)

I tried closing my PayPal account but the " Close My Account '' link on the account page was a dead end ( I have screenshots ). I then tried closing it via the " Delete Your Data / Close Your Account '' link on the data page. I then received a message informing me that PayPal usually responds to REQUESTS for account cancelation within XXXX XXXX. I should not have to ask permission to close my account, much less wait XXXX XXXX  or more for a response. I also believe the misleading dead links are an attempt to keep their stock from continuing to crash this XXXX, as many people are closing their PayPal accounts, which makes this not only a consumer issue but a securities and exchange issue, or so I would imagine.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (MI)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-21
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. (FL)

n accordance with the Fair Credit Reporting act 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 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Primary Financial Services L.L.C. (MA)

I deposited {$3500.00} on XXXX XXXX In XXXX XXXX XXXX to : XXXX XXXX XXXX XXXX. 
Wire # XXXX Account # XXXX The person name is : XXXX XXXX XXXX and phone number XXXX Since then I tried to call him many times he doesn't answer.
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

I have contacted this company several times to ask about the debt they claim I owe, however they can not answer who I owe the debt to. This is a medical bill for XXXX and the address of this company is XXXX XXXX XXXX XXXX, NC XXXX. I looked up this company with XXXX  and it appears this is a scam.
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (TX)

THIS COMPANY CONTACTED MY WORK AND MY CELL PHONE WHEN I INFORMED THEM TO CEASE AND DESIST. THIS A MEDICAL BILL THAT WAS OUTSOURCED TO A 3RD PARTY THAT IS UNCOLLECTIBLE DUE TO BEING INCLUDED IN A BK XXXX.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CT)

n XXXX-and XXXX of the year XXXX my credit account had become past due with Barclays Bank Delaware, However I have no memory of nor record of the bank ever trying to contact me to let me know my account was severely past due, and since disputing the matter with them through XXXX, the bank has made no attempt to provide me any backup that they did try to contact me to let me know my account had been past due, and was not on auto pay. I at the time had another account with Barclays that was on autopay and was being paid on time and in full every month, so in my checking accounts, I was seeing a withdrawal to Barclays and had no indication that the account was past due. The Bank again, made no attempts that they've been able to provide proof of that they attempted to contact me at that time to let me know my account was 30 60 and then 90 days Late. And when I finally became aware of the mistake, I corrected it promptly. I've asked the institution to both provide proof of the lateness and the attempt to contact me, and asked for leniency in the matter considering both the fact that this was at the beginning of the COVID 19 pandemic, and that they failed to alert me, however on all atempts to resolve this matter between us they have failed to provide anything other then generic and cryptic responses, with no backup, just a promise that " and investigation '' had been conducted. I ask that CFPB please ensure Barclay knows that I am both entitled to a detailed response with investigative evidentiary proof and that if they can not provide this that they must remove this blemish from my credit files.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I have filed several disputes with Experian in regards to a public record item on my credit report. I have even filed with CFPB each time Experian has responded stating they verified the information the first time they stated they verified with XXXX XXXX I have attached proof from XXXX XXXX that they have no file on me Secondly Experian states they verified with US Bankruptcy court I have attached proof from the US Bankruptcy courts that states Experian didnt revive this information from them Attachments letter from US Bankruptcy Court Letter from XXXX XXXX Photo ID
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

Called credit company to make a payment arrangement to bring past due balance current and up to date. I was to make 3 payments for a specific amount of time and the account would then be back current and regular minimum due would go back to normal. I was told that late fees and interest would not be charged the first two months of the arrangement. Considering I was making regular payments toward my balance before the regular due date to bring the account current then late fees shouldnt have been charged anyway because I wasnt paying anything late. However late fees were charged to the account even though I was honoring the arrangement and my balance wasnt diminishing and I was still getting notifications that my account was past due despite my payment agreement to bring the account current. When I call them they tell me that the payments are posting to the account but the payment agreement doesnt activate until after I make the third and final payment which makes no sense at all. Im making payments each month and the payment arrangement is a verbal agreement that should be honored by both parties from the time it is made. They also said that the payment arrangement to make my days past due current and not being my balance current which also doesnt make sense because payment arrangemts are suppose to make the balance current thats the purpose of payment arrangements. The supervisor that is like to was talking in circles and not explaining anything and it looks like they set up regular payments toward the card in the disguise of a payment arrangement to bring the balance current and continued to charge late fees even though I was paying on time. The whole thing was confusing. I realized when I saw my balance not going down that they never even sent me anything telling me the details of the r that o made just a letter thanking me for setting up payments as though I just schedule regular payments toward a card which is not what I did at all. It was to be a payment agreement to bring my balance current. None of thier explanations made any sense at all and if I made a payment arrangement Im not sure how it doesnt activate until my final payment in the arrangement or why I would be continuing to get late fees if Im paying on time.
Consumer complaint received 2022-05-02
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. (MO)

I have been contacting Transunion explaining that someone has attempted to open accounts in my name creating a ton of Fraud inquires on my credit report. When I call to speak with someone, they tell me I need a police report or an FTC report which I have mailed several times with no response. I know that is more than normal and I can't even fit them all on one FTC report. Please help me because the representatives are not.