davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX , Company 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2020-07-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (CA)

I am writing to you today regarding the following account with Santander Bank : Account XXXX, opened date : XX/XX/2017, highest balance : {$13000.00}. 

My dispute is because they are reporting so many discrepancies across bureaus, they are being negligent and unfair, and they are also committing breach of contract. They have failed to process online payments. These are serious violations to the California Credit Reporting Act. 

My demand is to get the item off my report. This is affecting my credit, and is also affecting me psychologically. 

I have prepared all the documentation that Santander may need to investigate my case, so it gets easier for them, and they solve this matter as soon as possible. Please send the documents attached to them. 

Thank you.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/2022 at XXXX pm. Someone was able to access my account with a fraudulent card and was able to withdraw funds from my account at an atm machine. My card was not lost/stolen. When I relayed this information with my bank Chime Bank XXXX XXXX ) a dispute was filed and dismissed reporting that according to their investigation no error occurred. I explained to Chime bank that I filed a police report with the local authorities ( XXXX XXXX  XXXX. XXXX California ) that a fraudulent transaction was made. Chime Bank proceeded to double down with their position and still refuse to complete a thorough investigation and still say that no error occurred. Meanwhile Im still out {$280.00} from my checking account that is FDIC INSURED. I have also read reviews on XXXX website and realized that this exact issue has occurred on numerous occasions to many other bank customers. If there is anything that can be done. Please Help. Thank you
Consumer complaint received 2023-02-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

I have disputed both accounts multiple times as an erroneous and duplicative but the company has refused to take appropriate action to rectify the matter. This issue has caused undue hardship for me and my family and an inability to secure housing after a recent major catastrophic event ( XXXX XXXX ). 

The company retained my deposit upon agreement of termination of the lease and later added duplicative charges for the amount that was already paid to my credit file. The leasing company admitted that there was a clerical error but they have refused to address this for years. 

At this point, I am going to advice of legal counsel for damages for the breach and potentially punitive damages for their intentional and gross misconduct. These accounts need to be removed, immediately.
Consumer complaint received 2020-07-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company 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 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 2020-07-03
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. (NC)

I received a bill from XXXX XXXX XXXX XXXX that was due on XX/XX/XXXX for the amount of ( {$28.00} ) which was my minimum payment Due. Because of COVID-19 and the lack of work I was behind a few days so I made a payment on XX/XX/XXXX in the amount of ( {$250.00} ) which included a late fee which brought my account to a XXXX balance. After that I had not received any more bills from them which I wasn't expecting because I had paid the whole balance and had not made any more purchases. On XXXX I received an alert on my credit report that I was mark as 30 days late for a balance of ( {$6.00} )!!!!. I called the company to explain why this had happened especially since I had a XXXX   balance the rep told me that it was interest. I then asked why did I have a interest on a XXXX  balance. I was then put on hold and the rep came back stating that she wasn't sure why exactly why this had happened but that she would remove the ( {$6.00} ) charges which would clear my account. And that i would see if refelted on my account within 24-48 hrs. I then asked to speak with a supervisor or the credit reporting department so that they could also fix the error on my credit report. The rep told me that I would need to contact the credit bureaus for that to be corrected. I then asked why would I need to do that when the error was made on their end and the rep again said that she had cleared the balance but I needed to contact the credit bureaus to remove the 30 days late remark that had recently dropped my score 58 points. I explained to her that I had perfect payment history and had never had a remark like this on my credit and I needed it corrected. The rep was unsure what to do and disconnected the call.
Consumer complaint received 2022-11-30
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)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Consumer complaint received 2020-07-02
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. (GA)

The account XXXX  for {$900.00} was disputed and deleted from my XXXX  account on XX/XX/2020. This account should be removed from my other reports as well as it is inaccurate.
Consumer complaint received 2020-07-03
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. (NC)

I received a bill from XXXX XXXX XXXX XXXXXXXX that was due on XX/XX/XXXX for the amount of ( {$28.00} ) which was my minimum payment Due. Because of COVID-19 and the lack of work I was behind a few days so I made a payment on XX/XX/XXXX in the amount of ( {$250.00} ) which included a late fee which brought my account to a XXXX balance. After that I had not received any more bills from them which I wasn't expecting because I had paid the whole balance and had not made any more purchases. On XXXX I received an alert on my credit report that I was mark as 30 days late for a balance of ( {$6.00} )!!!!. I called the company to explain why this had happened especially since I had a XXXX   balance the rep told me that it was interest. I then asked why did I have a interest on a XXXX balance. I was then put on hold and the rep came back stating that she wasn't sure why exactly why this had happened but that she would remove the ( {$6.00} ) charges which would clear my account. And that i would see if refelted on my account within 24-48 hrs. I then asked to speak with a supervisor or the credit reporting department so that they could also fix the error on my credit report. The rep told me that I would need to contact the credit bureaus for that to be corrected. I then asked why would I need to do that when the error was made on their end and the rep again said that she had cleared the balance but I needed to contact the credit bureaus to remove the 30 days late remark that had recently dropped my score 58 points. I explained to her that I had perfect payment history and had never had a remark like this on my credit and I needed it corrected. The rep was unsure what to do and disconnected the call.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (NE)

On XX/XX/XXXX I noticed a $ XXXXcharge to my PayPal Business Credit Card . I called PayPal and was never given an opportunity to speak to anyone. I tried to make a claim on the website through the resolution center but since it was still pending the website would not let me make the claim. I finally got into a Chat-on-line and explained to the agent that this was an unauthorized charge, I think my card number has been stolen. They said since it was pending the merchant hasnt captured the payment. I asked if the card number was stolen and they said No. I again expressed concern that this wasnt right and they gave me instructions on how to claim on the website, which I said I already tried and it wont let me. I was told to wait for the pending status to change. So clarify Im told to wait to find out if my credit card number has been stolen, that is PayPals recommendation. 
On XX/XX/XXXX I get a new unauthorized charge. This time to XXXX for {$230.00}. Again, I cant dispute the charge because its still pending however this charge did completely wipe out {$140.00} dollars, I had in my PayPal account. 
This time I was just canceled my card on-line. 
Had PayPal closed the account, or stopped payment on XX/XX/XXXX with the {$0.00} charge, like I had requested the second charge of {$230.00} would not have been able to go through and my money would be accessible to me. 
PayPal was negligent in not taking my concern seriously the first time and has led to more unauthorized charges and inconvenience to me because I dont have access to my money that was in PayPal especially over a holiday weekend.
Consumer complaint received 2020-07-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shermeta Law Group, PLLC (MI)

On XX/XX/2022, the medical debt vulture company, XXXX XXXX XXXX XXXX XXXX XXXX, sent debt they purchased from XXXX XXXX XXXX XXXX to Shermeta Law Group. On XX/XX/2022, Shermeta sent me a letter saying they were servicing the debt now. They call this their demand letter. There was no demand for payment, no option for a payment plan, nothing. Just a letter from a law group with a law group letterhead saying they service my debt now. This was intended to intimidate me. I sent back a letter to them disputing and asking for validation on XX/XX/2022. Shermeta sent validation showing XXXX XXXX of purchased medical debt leading to Shermeta Law Group between XX/XX/2022 and XX/XX/2022. But, by XX/XX/2022, Shermeta Law Group had drawn up both validation and legal papers to sue me, filing the legal complaint XXXX days after the dispute was received, with a summons ultimately issued on XX/XX/2022 in the XXXX XXXX in XXXX XXXX MI. Service was attempted the week of XX/XX/2022, but I was out of town. I called Shermeta and spoke with XXXX on XX/XX/2022 who told me that I 'can ' respond to the summons after I am served, misrepresenting the fact that no answer virtually always means a judgment in their favor. I set up a payment arrangement that day, XX/XX/2022. They told me there was 'nothing ' they 'could do ' about dismissing the lawsuit because XXXX XXXX with the courts now. ' This is another lie. On XX/XX/2022, I paid in full and called the next week to ask whether this could get Shermeta to serve me dismissal papers. They said the lawsuit was 'canceled ' and nothing else would happen with the lawsuit because I paid in full. This is yet another lie because I was served today, XX/XX/2022, over this fully paid debt. I believe they broke the law with the timeframe between my dispute and their lawsuit. I think they attempted to deceive me into not answering the court case. I think they lied by telling me they can't do anything to dismiss the case. I think they lied and will continue to try to collect on this debt to double, maybe even triple collect. If they're trying this with me, they've done it to others. Last, I think they are nothing but a law firm that uses incredibly deceptive and aggressive methods to collect for clients. They took my down payment for my first house for my children and gave it to corporate investors. I know it was my debt -- it was for the birth of my child -- but there was no offer for partial payment or even a payment plan before they filed legal paperwork. They should not exist.
Consumer complaint received 2020-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Interstate Credit & Collection, Inc. (GA)

In XXXX XXXX  leaked the data of 143 million Americans, I was also one of those 143 million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has suffered greatly. 

The following accounts should be removed from my credit file. 

1.Interstate Credit Collections {$780.00} 2.Interstate Credit Collections {$780.00} I have disputed this account twice ; this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information. 

1. An explanation of what this alleged account balance is for.

2.A calculation of the balance, including the complete payment history.

3.Documentation that shows I have agreed to pay this debt.

4.The agreement that grants you authority to collect on this alleged debt.

5.A copy of your state license, including license number. 

Your company has failed to provide me with this information, my lawyer has advised me that we will move forward in court in exactly 4 business days if this information is not removed today. 

In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area.
Consumer complaint received 2020-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (IL)

I learned that my information was sent to a collection agency from XXXXXXXX   while I was out on military leave. 
I have been trying to get a hold of " The Bureaus Inc '' to request them to send me verifiable information to prove that this account belongs to me. I have called XXXX/XXXX  and they told me that the account was sent to two different agencies : " XXXX XXXX '' & " The Bureaus '' they have different phone numbers. These two collection companies are constantly harassing my family members and friends. I need to have these collection companies to answer my request as soon as possible
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-07-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

In XX/XX/2020 I contacted my mortgage company ( NewRez ) to inquire about stipulations & terms of CARES act forbearance policies. I was not given answers that satisfied my questions about terms of repayment. I was told that I would be contacted and provided more detailed information. I continued to pay my mortgage, uninterrupted and did not see any indication of forbearance on my monthly statements nor on the online servicing portal. 
On XX/XX/2020 I was inquiring with another entity about refinancing my mortgage. I was told that my loan was in forbearance. I was shocked and then became outraged that NewRez had taken the liberty to alter the terms and conditions of my loan without my informed consent. I contacted NewRez and asked how this could happen without my informed consent. Their response was that it was done automatically simply because I had inquired about it back in XXXX. This particular NewRez consumer finance practice seems highly irresponsible and probably illegal. During my XX/XX/XXXX call, I was told the forbearance would be removed on that day. I am currently awaiting verification of that. 
I would like to know what my consumer rights are when terms and conditions are altered in this way.
Consumer complaint received 2023-06-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX I sent a dispute letter. I sent a copy of my driver license and a utility bill to make sure my identity wouldnt be in question. I sent my dispute letter with clear disputes. On XX/XX/XXXX Experian emailed me saying that they received a dispute that didnt appear to be from me. I tried to call and was impossible to get through to someone. This is clearly a stalling tactic by Experian to not investigate my dispute. I would like my original date to stand in regard to when I sent and they received my letter. The law stipulates a timeline here to investigate and remove items from my credit report. They are trying to extend this timeline unlawfully by claiming it was not me who submitted this dispute which it most certainly was was. Thank you
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (MO)

On XXXX XXXX the IRS issued a tax refund to my Cash App by direct deposit. The amount was XXXX dollars. 

I have contacted the IRS three times about this. Each time they make sure it was sent to the correct account. The third time a tracer was place and could take up to 190 days. 

Cash App has been contacted multiple times about this. They can not find the deposit and won't connect me with someone that can or will. They say that they do not give tax advice and I need to call the IRS. I have been told that management will contact me by email. That has not happened. I have emailed support through the app mid XXXX. Still no response. After the Cash App representative checks to see if it has been deposited, I am told that there is no more information they can give. After I ask for another number or to talk with management, they repeat that they have no more information to give me and hang up.