davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Nationstar Mortgage aka Mr. Cooper has my mortgage payoff funds in their possession for about {$92000.00} to pay off my mortgage since XX/XX/2019. They will not apply the funds to the account due to some technicality. They are reporting me as late to the credit bureaus for 6 months.This matter has now caused irreparable damage to my credit. My credit card companies are now closing my accounts due to " serious delinquencies '' on my credit report -- -all as a result of this unfair treatment by Nationstar . And, of course when the credit card company closes an account that drags down my credit score even more. To add insult to injury, Nationstar continue to assess late fees to the mortgage account even though they are in possession of the payoff funds. They have offered no solutions to me and continue to hold the {$92000.00} and report me as late. I feel that they operated in total reckless regard for me as their client.They have caused irreparable damage to my credit well-being which I rely heavily on. They have offered no solutions or remedies and told me that they could hold the funds and report me as late for as long as they needed to. They also told me that they would not correct their credit reporting because " technically I was late since I did not make any monthly payments ''. I am totally disgusted with Nationstar and their negligence. I have written and called them too many times to count. Each time I get tossed around like a hot potato and can get no resolution.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. 

When I recently called XXXX directly, they said they had no account under my name ENHANCED RECOVERY COMPANY , LLC says XXXX internet/cable bill was for the address at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX But I never lived at # XXXX, I lived at # XXXX, so obviously ENHANCED RECOVERY COMPANY , LLC is either charging me for someone elses account and they never sent me a notice to the right address. 

Account Information : ENHANCED RECOVERY COMPANY , LLC account : opened date : XXXX XXXX, Balance {$51.00}, This situation for me is stressful, it has affected my credit score. 
I want the remove acccount from all bureaus ASAP.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I got a Bank of America travel rewards credit card in XXXX. I set up automatic payments immediately upon activating the card. One day after my second bill was due, I found out that the bill had not been getting paid automatically, and I was responsible for two late payments on the card. I was never notified by Bank of America that I missed any payments. I contacted them and they could not help me, only tell me that I did not have automatic payments set up on my account. I have had more than enough money in my BofA checking account, which is the account I set the payments to withdraw from, to pay these bills.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reported fraudulent activity on my visa credit card with Bank America. There were two fraudulent charges made on XX/XX/XXXX and XX/XX/XXXX at the same location in amount of {$39.00}. I filed a claim with Bank of America and they denied the claim with no explanation other than saying I have too many accounts with this pizza place, which makes no sense. I contacted them again and they said they'd have to file an appeal it would be another 45-90 days. In the meantime while I'm waiting for appeal, they added the two charges back into my account which is continue to accrue interest. Please help me with these fraudulent charges and unfair treatment from Bank of America
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have tried several times to obtain a copy of my free annual Trans Union credit reports. I did receive XXXX   and XXXX. I really need my Trans Union report.
Consumer complaint received 2020-05-14
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. (FL)

To whom it may Concern I went on to check my credit and what I saw I was not Happy at all, how can someone do this to me and how where they able to get my Information to Open fraudulent Accounts. 
this Fraud Needs to stop in Florida. I did not Give any Consent to no one to open any of these Accounts I want this matter Resolve. this is not right thank you.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

In XX/XX/XXXX I place a freeze on my credit with Experian, by telephone. 

On XX/XX/XXXX, I placed a temporary lift of the freeze, by telephone. 

On XX/XX/XXXX, I tried to reach Experian by telephone, at all ALL 3 of the telephone # s I was able to find on their site and on the internet. No one answered. And I was never provided with any option for waiting for a representative. I got stuck in an automated system. So I am unable to manage my credit freeze. 

There was no option to ask for a call back, no recourse at all. 

While I appreciate that we are in the covid times, I find this highly alarming and inappropriate, as Experian manages critical financial information. 

I am at a complete loss and don't know what to do. 

( Yes, I tried to create an online account to take care of this, but was unable to put the freeze back on. )
Consumer complaint received 2020-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/XXXX, I received a letter from the debt collector, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. The letter stated that they were attempting to collect a debt for TD Bank in the amount of {$4300.00}. To dispute this false charge and account, I filed a police report, listing TD Bank and the amount owed. I was contacted by XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX by a representative urging me that I needed to pay the amount owed. After speaking with my credit monitoring service, I then requested an identity theft packet from XXXX. XXXX, & XXXX in regards to the falsely opened TD Bank account. On XX/XX/XXXX, I spoke to another representative from XXXX, XXXX, & XXXX and inquired about the identity theft packet because it had not yet been received. On XX/XX/XXXX, I received the identity theft packet with the following instructions : to include a police report and file an Affidavit of Fraud under the Federal Trade Commission. I mailed the identity theft packet with the appropriate documents to the address listed by XXXX, XXXX, & XXXX. On XX/XX/XXXX, I received a letter from XXXX, XXXX XXXX XXXX XXXX saying my claim has been deemed invalid. I then called XXXX, XXXX XXXX XXXX XXXX and questioned why it was deemed invalid, to which they refused to give any information. I then contacted TD Bank to find out information about the claim that had been deemed invalid, to which I have been given zero information and placed on long holds and transferred from department to department. I did not create the account for TD Bank and my goal is to get this fraudulent activity removed from my credit reports and get this fraudulent account fully closed.
Consumer complaint received 2020-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANSUNION accused me of using a credit repair company. When i am NOT USING ANY CREDIT REPAIR COMPANY. This is a stall tactic on Transunion behalf. These Tactics will not work. You are committing FRAUD by reporting FALSE INFORMATION. 
I have ENCLOSED proof and According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 10 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted. I am also requesting an updated copy of my credit report, which should be sent to the address listed below, there should be no charge for this report. I have exhausted all other options for correcting my credit report, and the TRANSUNION and you still wont fix the errors. I will be suing for damages and this letter shows proof of contact. 
XXXX IS NOT MY ACCOUNT. I HAVE ENCLOSED MY LETTER FROM XXXX AS PROOF.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

Afni debt collections Afni, Inc. 
XXXX XXXX XXXX XXXX, IL XXXX I have never had a agreement in writing with this company and they have put a collection on my Credit report that is not mine for amount {$590.00} date reported XX/XX/XXXXall 3 credit bureaus
Consumer complaint received 2020-05-13
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)

MY IDENTITY WAS USED TO OBTAIN GOODS WITHOUT MY CONSENT OR KNOWLEDGE I DID NOT AT ANYTIME APPROVE OR WAS AWARE OF ANY SERVICES THAT THE PERSON WHO USE MY IDENTITYNTHE ACCOUNT WERE OPEN FRAUDGENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (FL)

An insurance policy was paid in advance with XXXX XXXX. Sent the company proof of payment sent by XXXX and my bank statement showing the funds were paid. Moreover, contacted the collections agency and sent them the proof of payments and they have refused to answer or remove the information from my XXXX  credit report. Furthermore, the collection agency made a hard inquiry on my XXXX  credit report, that stays for 2 years, I've never done any business wit this company nor would I solicit credit from them that they are not in the business of offering. This company is clearly trying to take collect on something that was already paid for, which is wrong and unethical.
Consumer complaint received 2020-05-13
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. (GA)

MY IDENTITY WAS USED TO OBTAIN GOODS WITHOUT MY CONSENT OR KNOWLEDGE I DID NOT AT ANYTIME APPROVE OR WAS AWARE OF ANY SERVICES THAT THE PERSON WHO USE MY IDENTITYNTHE ACCOUNT WERE OPEN FRAUDGENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX   and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  TransUnion they would not take nothing off I gave police report identity theft report you're not paying me no attention I've been going through this the last two years
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX my credit card was closed without any notice or any letter to explain the reason why from Citibank. My account was then sent to collection on XX/XX/XXXX. I have no outstanding due, have regularly paid my monthly balance in full since opening the account in mid XXXX. I contacted Citi and was sent directly to Collection to discuss payment which I paid on the next day even though there was not any outstanding balance past due. I was being told that is how Citibank business policy every time Citibank receives letter from debt collection agency. I have never worked with any debt collection agencies in my entire life. My credit score is perfect. I have reported alerts to the three credit agencies to protect my credits. I also have reported to a local police department for identity theft.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I froze my credit report with Equifax after their data breach and Im now trying to unfreeze it. When I tried repeatedly to do this on their website I was informed that I had to do this by phone. When I called they told me they could not verify my identity after giving them all of my information ( ss # etc. ). I was then told that I was required to send them copies of my social security card and drivers license through the mail which I refused to do because of the obvious security reasons. I was then basically told to bad you wont be able to ever unfreeze your account. Equifax caused this problem in the first place and now they refuse to fix it. Please help.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

XX/XX/22 - PayPal advertised to me on their main webpage after I had logged in that from a transaction that was approximately {$10000.00}, that {$4000.00} was available for instant withdrawal ( within 60 minutes and for a fee of 2.5 % of the transaction equaling {$60.00} ). PayPal failed to deliver the funds and basically threw every excuse they could at me, from blaming my back for this issue to saying they didn't know I had a new account although they had no trouble placing automatically placing a hold on the approximately {$10000.00} that was received. 

Although Paypal purports to do this for their customer protection, they had no issue in taking their % fee from the transaction as soon as the funds were received in the accounting. 

I believe in providing deceptive advertising Paypal violated various CFPB regs and dealt in bad faith as an unfair trade practice and is in breach of the covenant of good faith and fair dealing. 

I have the phone recording if there is a way to share them I would be more than happy to. 

Highest supervisor point of contact that was unwilling to help : XXXX - XXXX XXXX XXXX
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filling this report because there are three accounts on my credit that are not mine. The accounts are from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. The only reason I found out about these accounts is that I applied for a personal loan today XX/XX/2020 and I was denied so I looked through my credit report to see why I was not approved. These accounts were opened in my name without my permission ; I have never allowed anyone to use my personal information to open these or any other accounts. I did not benefit anything from these accounts like money, goods, services, or anything else and I never made any payments towards these accounts. I have filed this report to the best of my knowledge.
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TN)

I have tried numerous times to make offers to pay off my credit card debt with XXXX and TSI. They disregarded my past offers and made an offer at a time I could not accept due to not having the funds available of {$5000.00}. 

They told me today I owe $ XXXX which simply isn't true. 
When I left service the card was left at {$7000.00}. 
I have made payments for almost 5 years totaling over {$4000.00}. 

Today I called them and offered to pay the deal of {$5000.00} and they told me no because time was up and I'd have to wait until next year. I'm trying to purchase a home and no lender will work with me until this ordeal is handled. If I need to contact legal representation, perhaps the CEO of XXXX and my local news channel I'm prepared to because this isn't right how I'm being treated. I am being shaken down for every possible XXXX they can obtain from me. I literally have thousands of dollars to pay them to rid this debt and move on with my life and this company refuses to budge! Where are their business ethics in all of this? TSI is trying to make this as difficult as humanly possible and I'm trying my hardest here to be polite but I am losing my patience.
Consumer complaint received 2020-05-13
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH BEHAVIOR AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT IN A TIMELY MANNER. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.
Consumer complaint received 2020-05-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC. (WA)

I took out a loan on XX/XX/XXXX for {$2500.00} XX/XX/XXXX - I paid {$360.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$160.00} XX/XX/XXXX - I paid {$160.00} At this point I experienced a medical and economic set back and couldnt make payments. I had paid them a total of {$1200.00} and my balance has increased to {$3500.00}, {$1000.00} higher than the original loan. 

I called them on XX/XX/XXXX offering to settle the account for a one-time payment of {$2000.00}, they refused. I also offered a payment plan but they only offered me to pay the {$2000.00} back owed and then continue paying them monthly at a rate the balance isnt being reduced. I have reached out to them 3 times since to no avail. 

I find their lack of urgency to get this account resolved highly predatory and have now disputed the entire loan on Washington state legality. They continue to report me late and assess fees monthly.
Consumer complaint received 2020-05-13
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. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$670.00} XXXX XXXX {$61000.00} XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX XXXX {$310.00} XXXX  XXXX {$8900.00}
Consumer complaint received 2020-05-14
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)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UNLAWFUL PUT AN DELETED ITEM BACK ON THAT WAS PREVIOUSLY REMOVED LAW DOES NOT DICTATE THEM TO DO THE FTC VIOLATIONS
Consumer complaint received 2020-05-13
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no XXXX try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$86.00} XXXX  XXXX XXXX {$120.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$810.00} XXXX   XXXX {$3200.00}