davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

I have never opened up any credit cards prior to this year XXXX. The only account I have ever opened Only store charge cards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I just recently opened up a church card with a credit limit of {$300.00}. Prior before this I have never opened up any credit cards in my name. In the year of XXXX when I was trying to leave my abusive husband, I was not able to get any apartments because of my XXXX XXXX. XXXX XXXX, I was able to find out all the credit cards that was linked to my Social Security number. I have contacted all of these credit card companies and only XXXX of them. I thought that was clear that this was fraud. I did not open up nor did I give my Ex-husband permission. I do not have a job until XX/XX/XXXX. I did not have a job for almost 17 years prior before that I was not allowed to have a job nor to have my own bank account. I have not had a bank account. I never had access or seen any statements prior before I start calling through information through credit Karma. This particular card with these XXXX companies I was first explained by their companies that they went through the fraud department and I was under the impression that it was all cleared up. The person that you need to contact is XXXX XXXX XXXX birthday XX/XX/XXXX. This person in question I have documentation of XXXX  XXXX against him plus he I believe now as in contempt of court for back child support Payments. I do not have anything over {$3000.00} nor have I been charged anything over that amount ever in my life. I was under the impression through these XXXX companies that this has been resolved. Now I am being threatened to being taken to court, and the other credit card company is taking me to court. I was the one who called these credit card companies. I was the one to let them know what was going on when they change the email address and locked them out of stuff. Thats when the payments stopped because he could no longer have access. At the same time put my life at risk.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Dear Sir or Maam, I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please update to my full legal name : XXXX XXXX XXXX This is the only SSN attached to my name : My only correct date of birth is : Please remove all phone numbers on my credit report. 

Please remove all the other addresses off of my credit report as I am a Victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX ( Remove ) The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

They have not updated my credit score correctly to reflect considerable credit card changes, the most recent was paying off a XXXX XXXX XXXX XXXX card and closing it. Equifax are not doing their part to show a correct score when they should improve, but are immediately at lowering a score if they can.
Consumer complaint received 2022-07-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (NY)

On XX/XX/2022 a check of {$17000.00} was sent to the lawyer of a person we are trying to buy a house as agreed. 
While waiting for the loan to be process, my cosigner back off the buying of the house after she released the price was higher done we were told that exceeded our budget. I informed both my lawyer, the loan processor and the relator, they all understood my explanation and the processor agreed to send me a denial letter. Its be almost 2 months none of this them has return my call or txt. 
I received a txt message from my lawyer with a letter from the sellers lawyer informing me I have forfeited my {$17000.00}. 

I called the lawyer he did not pick up my call, the realtor told me there is nothing he can do. I call and txt the loan processor, he also didn't respond to me. 
I txt my lawyer again about my option and he has still not respond to me.
Consumer complaint received 2024-10-07
Product: Credit 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 (AL)

On XX/XX/year>, I made a purchase through the XXXX platform for {$64.00}. On the expected delivery date, no package was delivered, but a discussion with the local postmaster indicated that the purchase was part of a false tracking number scam as a package with the tracking number I was given had been delivered to an address in my post code that day ( XX/XX/scrub>XXXX  ). 

On discovering this, I started a dispute with Goldman Sachs and provided them with the order confirmation and demonstrated that shortly after the order had been placed, the seller had removed their storefront from the selling platform. 

On XX/XX/year> I was notified that the charge would remain on my account, saying that they believe that the merchandise was delivered despite that being false. It is my expectation that the investigators at Goldman Sachs simply saw the tracking number and its associated delivered status without looking into which address it was delivered to. 
I reopened the dispute and submitted additional evidence but was denied again on XX/XX/scrub>XXXX 

I challenged the dispute another time and found the tracking number, and added a receipt for the purchase of a replacement product that I subsequently made through XXXX. 


Finally, on XX/XX/year> the dispute was denied a final time. By contrast, a similar purchase was made through a different credit card on the same platform that was similarly fraudulent but was resolved swiftly in my favor by that credit card company. 

The tracking number associated with this case is : XXXX The store associated with this case is XXXX, found at XXXX  ( Note that the storefront has been taken down )
Consumer complaint received 2020-09-07
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. (FL)

Experian Credit provides " guidance '' on improving credit scoring. When I follow THEIR guidance nothing happens! I had a XXXX credit score. " Now, it's XXXX! WITH NO CHANGE IN MY PAYMENT HISTORY! To refinance my home at the best rate, 2.25 %, I need an XXXX. My credit is " EXCEPTIONAL '' { Experian 's words not mine } and indeed it is! NO missed or late payments EVER. YET month after month NO VIABLE INCREASE. I guess their " scoring rules '' use things like " length of credit accounts '' which I have NO CONTROL over except MORE WAITING for time to go by! This is UNFAIR and UNJUST. THE US GOVT NEEDS TO STEP IN AND MAKE THESE CREDIT COMPANIES BE REALISTIC! They REFUSE to do it on  their own!!! If I am, by THEIR OWN WORDS, " Exceptional '' WHY isn't it designated XXXX NOW!!!??? IF CFPB is a watchdog agency, where are the REPERCUSSIONS for these companies? Reaching AN IMPOSSIBLE STANDARD is NOT a " Standard ''. Also, as SOON AS YOU LOG IN, one is MET with PAY US {$24.00} A MONTH and things will be better! SCAM!!
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Per my complaint # XXXX XXXX XXXX has agreed to REMOVE a paid collection with XXXX XXXX  XXXXrom my XXXX and Equifax credit reports entirely. I will attach their letter to this complaint which is dated XX/XX/2022. I am asking for XXXX and Equifax to handle immediately as this is damaging my credit and I have been trying to get resolved now since XX/XX/2022.
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I submitted a dispute with Bank of America under the claim XXXX XXXX, for an amount of {$1.00} because the seller never sent the item. 
I sent to the bank the receipt showing that the seller must sent the item in 5 business days by XXXX. 
But the bank rejected the claim saying that the purchase was made face to face, and I must check the goods on that place. But they didnt see that the store didnt have the items on the same place and they will send it later.

But they never sent it. I also opened 2 more disputes for the same merchant and those claims are closed and approved.

So it doesnt make sense to have one rejected and the others approved for the same merchant and situation. 
other case : XXXX - XXXX
Consumer complaint received 2020-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

Good morning, We were trying to resolved this issues. So PHH Mortgage came back saying they were going to apply the missing payments and I don't understand or how they did this and where they have gotten their PAYOFF amount at. When I have a statement at the first of the year XX/XX/2020 stating what I owe for my PAYOFF on my mortgage at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I will include this statement to show them. So on the XX/XX/2020 my statement states that my payoff is at XXXX they came back on XX/XX/2020 after replying back to my complaint and saying that my pay off would be XXXX and this PAYOFF is only good thru the XXXX of this month. They are trying to get over on me by XXXX I will not let this happen if they can not go thou there figure and get this straighten out, I will just get a lawyer and we can go to court. this is horrible that they mess all this up and they are not even being honesty about any of this .Let the truth be told they never even removed what I paid for those months they should of credited me and then stood up to what is on the truth side of this. if this is not resolve them we will go to court. sorry let the truth be told and this is truly unfair to me as a person. This isn't my mistake this is there by far. Thank you. XXXX XXXX
Consumer complaint received 2020-09-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Suburban Credit Corporation (TN)

I contacted suburban credit Corp on XX/XX/XXXX the same day I saw the debt appear on my XXXX XXXX app. They wouldnt verify what it was or any of my information. I never received any type of notification from this company at all stating I owe them anything. They never emailed, sent a letter or called me at all. I also sent XXXX a letter 30 days ago and havent received a response.
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2020 Bank lobby closed due to COVID-19, waited three hours to make credit card payment ( plus did not recive statement ). One long line, two tellers working " one '' window. The teller failed to say your payment is or are aware that you minimum payment due is? After making a payment, a few days later I received an alert that a {$260.00} payment is past due. Around XX/XX/2020, I called Capital One Customer Service ( twice ) each time requesting to speak w/a supervisor to no avail but instead received business closed due COVID-19 lecture and must keep workers safe ( folk protected behind glass safe )! I was told that the ONLY acceptable form of payment is through my checking account, mail in or bank because they do not take debit card payments! Around XX/XX/2020 Someone called me from the bank stating my account is {$260.00} over due with a past due amount, I stated no! {$50.00} is past due, the other payment is not due until XXXX. Plus what is the extra fee? He stated, past due amount. I requested that the past due be reversed. Told unable to reverse. He then stated oh yes I see you did not make a full payment so late fee is attached and then other amount is for XXXX ( still mid XXXX ). He refuse to reverse late fee ... first told I have to use my banking info or mail payment in ... *then stated you can make the payment using a debit card! I did finish making the additional payment amount but refuse to pay late fees***Poor Customer Service , employees making up answers and giving this customer a hard time using COVID as an excuse when I could have used my debit card to pay the additional payment, why wait to charge me late fees? Based upon my payment history I always make payment at the bank lobby on time. Told tellers can not see my payment history or amount due, I said that is not true! Capital Ones full service banks are far and in between. I live in one city , drive to XXXX or XXXX to make payments. I am opposed to using banking info over the phone/on line but will make cash or debit card payments! At the end of the day, I used my debit card to make over the phone after being they do not accept debit card payments. However, I have had issues with Capitol One in the past charged late fees after making on time lobby payments, if I make a cash payment it should be applied that day! If the bank failed to process payments is not my problem, I made the payment on time! They successfully reversed late fees but in this case I feel like I am being scammed due to COVID-19. Long lines, long phone holds, having to call back numerous to attempting to resolve payment issues.
Consumer complaint received 2020-11-15
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. (MS)

on XX/XX/2020 i sent experian a letter requesting them to verify inaccurate accounts that were listed on my credit report. I never received a response. I sent them a letter again on XX/XX/2020 and I still haven't received a response and again on XX/XX/2020. I have yet to receive a response. it's been 6 months now.
Consumer complaint received 2020-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NE)

I have been a customer of PayPal since XX/XX/XXXXwith several successful transactions of both buying and selling, with no issues. I sold 2 pair of shoes on XXXX  and up omg receipt of payment PayPal has held the funds, giving me no access to them until 24 hours after shipment has been delivered. This makes it impossible to pay for shipping or other related expenses associated with the transaction. In addition, PayPal gave me. {$11.00} cash back and when I made withdrawal to my bank, they made me send picture of drivers license, take a selfie and then held my withdrawal for another day when they offered me instant withdrawal to my bank.
Consumer complaint received 2020-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a CitiGold checking account with a promotional offer according to which I was supposed to receive XXXX XXXX XXXX   miles. I completed the requirements of the offer by the first week of XXXX and confirmed it with the bank. I was informed that within 90 days of fulfilling the requirements I would receive the bonus. 

When I checked with the bank after the 90 days I was informed the bonus would be credited within soon, which later became around third week of XXXX, which became the XXXX of XXXX. 

Finally when I again reached out to the bank on the XXXX of XXXX, I was told that there isnt a date that can be provided but theyll open an internal investigation. 

I have had 5 different conversations about it over a month and just keep getting different answers. 

Seems like the bank is just fooling with me. I have had to spend a significant amount of time communicating with the bank and would ideally like to be compensated for that too.
Consumer complaint received 2020-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I have consistently wrote the company LVNV Funding to provide me information on this debt with my signature in the amount of XXXX. This account is not my debt LVNV only gives me Billing Statements from a XXXX XXXX XXXX. I have never had an account with LVNV funding nor XXXX XXXX XXXX. If LVNV can not provide me with my signature i would like this account to be remove from my credit report.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I am unable to unfreeze my Equifax credit report, or access my online account. This has prevented me from opening a new cell service account for over a month. 

Equifax.com provides no way to reset a password, or to " chat '' about the issue on line. 
When calling any of the Equifax customer service numbers, a robocalls-voice asks a series of irrelevant security questions, then says " we are unable to connect you at this time ''. THERE IS ABSOLUTELY NO WAY TO REACH A HUMAN BEING AT EQUIFAX " CUSTOMER SERVICE '' TO RESOLVE THESE ISSUES. 

As I had to do a a few years ago, I sent a letter to Equifax requesting they " unfreeze '' my credit report, and also provide a way to reset access my online account. My certified letter with the required documentation was sent XX/XX/20, and ( per USPS tracking ) received by Equifax on XX/XX/20. Yet I have not received a response from Equifax. ( My husband 's request via mail was more successful, although Equifax did not provide info on how he could access his login on line, and he is unable to get through on their " customer service '' telephone. ) This company has control over my rights as a consumer, however, it is completely unresponsive to consumer customer service needs. 

Per consumer complaints with the XXXX XXXX XXXX XXXX, Equifax has a score of 1 our of 5 -- -with 1 being the lowest.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I was given " cash for keys '' and settled with the XXXX XXXX XXXX or as they are known XXXX  XXXX XXXX, with their lawyers, the State of New Mexico mediator, and myself. This agreement was in XXXX of last year, I was to leave the house XX/XX/XXXX, which I did. They have been reporting every month this year that I am not paying my mortgage and hurting my credit every month. When I called their lawyers, they said all the info is with the bank they are done with the case and will not deal with me. When I call the bank, they hung up on me and refuse to resolve. I can produce the check i received as well as contact the state who also have record of the agreement. I do not have a mortgage with them anymore it was resolved through a cash for keys settlement agreement and they are wrongfully charging me every month and still have it open in my name while I am not even at the property and they already are working deals on it with others. Completely no right or legal, and their inability to even talk to me is unbelievable and they should be held accountable. 
XXXX XXXX XXXX
Consumer complaint received 2022-07-17
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once