davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

My Equifax account can not be accessed. I repeatedly ( for several weeks now ) get the same error message stating they are temporarily unable to process this request. Please try again later. I have tried many times. I have called Equifax 3 times. Twice I was literally hung up on by their automated service. Once I was able to speak to someone that barely spoke English. She had said I would receive a code by email to reset my account. That did not happen. I do not know how to get my account back. Considering our household has been the victims of financial fraud twice in the last 12 months, it is importatnt to be able to monitor our credit reports. I do have access to XXXX and XXXX without any problems.
Consumer complaint received 2023-07-28
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)

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX and XXXX XXXX Date XX/XX/2022
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (KY)

On XX/XX/2023, I applied for financial hardship assistance through the Barclays US website where I have a credit card account. In the past sixty days, I have endured {$17000.00} in unexpected house expenses ( new HVAC system and a major plumbing issue ). On XX/XX/2023, I received an email from Barclays that stated I was eligible for assistance. I went to their website, signed into my account and read the offer specifics. I was very pleased with the offer and checked the box agreeing to the terms of the offer. When moving to the next page to schedule the payment, an error message appeared and said for me to call a specific number to finish setting up the assistance plan. From XX/XX/2023 to XXXX, I talked to five different Barclays customer service people, none of which could figure out the issue. One of the associates I spoke to on XX/XX/2023 placed me on a ten+ minute hold and then told me he had everything all set up and that I would see the changes on my online account on XX/XX/2023. He lied to me. When I checked my account on XX/XX/2023, it was the same as always so I called again. This person informed me that an error had been made, that I should not have received the offer for a long term assistance program because my account was not past due. I am devastated at this and feel that Barclays should honor their offer. I am attaching copies of the initial email I received and screenshots from my account that shows their offer.
Consumer complaint received 2024-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (NC)

This is my 3rd attempt. I have been trying to find an affordable option since XX/XX/year>. Please see my last submissions to you. They are DUAL TRACKING and are foreclosing on our home while keeping our hopes alive of a loan modification or forbearance. 

I am actually in the process of pulling $ out of my wife 's XXXX to pay back the past due amount but I had a sheriff come to the house this past Saturday and then the attorney who I attempted to call last week ( no answer ) sent a letter certified this week. 

I would rather get caught up to stop the foreclosure and then enter into a 3 month forberance plan to help us out. But this company, Shellpoint, has been stringing me along for 9 months and every time i send in all the required docs then they ask me to send in more. It is a vicious cycle
Consumer complaint received 2023-07-28
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. (SC)

I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (WA)

Im in a XXXX  country with one new Citicredit card ( which I wont do again ). I hit my limit which is unusually low from my experience. Citibank advised that I make a payment early using their pay by phone system. I immediately paid early in FULL as they advised. 
Citibank placed a hold on my payment for 7 days due to the large amount and because I paid by phone. The funds have been withdrawn directly from my checking account and I have no access to my credit line. 
I asked them to increase my credit limit, which they declined because I had reached my limit. Which comes first the chicken or the egg? 

I have an XXXX credit score. 
I have no debt, except for this credit card. My homes are paid off. I have a 1 % credit utilization as reported by XXXX. 

I am stuck in a XXXX  country with no access to credit.
Consumer complaint received 2019-11-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

On Saturday XX/XX/XXXX my bank account was overdrawn of $ XXXX from XXXX and XXXX. XXXX charge is {$100.00} and XXXX {$86.00}. However, I did not authorize the XXXX charge. I deposited {$100.00} in my account which brings it down to - {$86.00}. I called Chase to dispute the charge ; a Chase Rep from the claims department told me the money is credited back and everything is fine. The next day on XX/XX/XXXX, I notice my account is still - {$86.00}, so I called Chase to inquire about the claim I did and the Chase Rep stated the system is down, there's nothing they can do about it, have a great day. I called the next day XX/XX/XXXX, a Chase Rep stated XXXX is still pending and how it has to be posted in order for me to get credited back. The overdraft fees will all be reversed once also after XXXX is posted. XX/XX/XXXX, I was charged three overdraft fees of {$34.00} and XXXX was posted to my account. I was credited the money but only one overdraft fee was reversed. The Chase Rep lied and did nothing to resolve this.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Loan # XXXX This loan is currently by Shellpoint serving company, It was previously by XXXX XXXX and they sold it to Shellpoint, They did request to show proof of XXXX XXXX XXXX XXXX policy that i did provide to them in time, and now they requested from the previous year, And i don't that the papers in my file since it's over a year since it was the effect, XXXX XXXX did have that policy showing that it was insurance in place but they did not transfer that doc however they forced me to pay insurance for the last year although i had always insurance in place, there is no guideline I have to keep all policy 's from the prior year in my file
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Wilber and Associates, P.C. (CO)

On XX/XX/2023, I received a notice from Wilber & Associates, P.C. located in XXXXXXXX XXXX  dated XX/XX/2023 stating that a subrogation claim was passed to them from their client, XXXX XXXX XXXX XXXX  The notice states that they contacted my insurance carrier and were informed that I did not have an active insurance policy on the vehicle at the date of the incident. This is false information as my insurance carrier had no record of ever being contacted about the incident. I initially called the law firm 's number to get more details on XX/XX/2023 and spoke with a representative who was unable to provide any additional information. Ultimately, when I stated that I had an active policy and that I was not going to pay any claim within additional information, the representative became hostile and informed me that I was going to go to jail, be taken to court and forced to pay and further that they were going to mark my case as a refusal to pay and then abruptly hung up. 

I subsequently called my insurance company who tried to call the company but had a similar experience, they then reached out to XXXX XXXX XXXX XXXX who informed my insurance company that they had no record of ever attempting to file a claim on the matter or contact anyone. My insurance company established a claim with XXXX XXXX and is working through the normal process to issue payment. They additionally reached out to Wilber & Associates to inform them that the matter is being resolved directly with XXXX XXXX and to not contact me further on the matter. I have since, ( XX/XX/2023 ) received calls from Wilber & Associates demanding payment and stating that they have no records of any such resolution.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (CO)

PayPal is sending debit cards linked to your account unsolicited. It's up to you to close the card, and they don't take you directly to a page that allows you to cancel, you have to log in and really dig in your account to find the button. I didn't think a company could send you a debit card that you didn't ask for. 

I received the email today, XX/XX/XXXX, cancelled the card on XX/XX/XXXX before I received it. I never activated it so I have not suffered any  damages. Just reporting because I found it improper, was not allowed to negotiate the terms of the debit card, never opted in, nothing like that. There was no warning that activating the debit card could influence my credit rating. 

I can upload the email announcing the " service ''.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX CARD Account number : XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting 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)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 )
Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Portfolio Recovery is a debt collector trying to collect some kind of debt. All three of my credit reports show XXXX collection activity. I have never had collections and I have excellent top tier credit scores. I do not know why someone is bothering me like this. I want it to stop asap please. Every morning this company calls disguising there numbers every time with a different phone number. I have a right to not be harrassed. I want proof something I signed with my social security number showing I owe something! That is fair and legitimate
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Cashed a check on XX/XX/XXXX from chase bank mobile app. They froze my account because they said it was suspicious activity and I never received my money back for a check they said they cleared and took the money from
Consumer complaint received 2023-07-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (FL)

This is in regard to a XXXX XXXX XXXX that was deemed a total loss. The insurance company state farm sent out a check in the amount of {$9100.00}, to the linen holder which is Bridgecrest. The car was also covered by GAP insurance which kicked in on XX/XX/XXXX to cover the remaining {$4800.00}. I periodically checked the account to see if payment for GAP was received to place the account at a XXXX balance. However, that was not the case my balance jump from {$4800.00} to {$8600.00}. I contacted them and spoke to someone by the name of XXXX who total me that GAP was already applied to the account that I owe them the {$8000.00} and change and that the full principal balance was not covered after both payments were received. I checked the account on XX/XX/XXXX and saw that they have reversed all the payments that I have made since I brought the car and now it looks like I still owe them even though I do not. They have received all the payments needed to close this loan but yet still I am still being charged. I now have a new vehicle and pay almost {$700.00} a month for it and I need Bridgecrest to fix my account immediately and stop taking money out of my account for a car that is paid off.
Consumer complaint received 2020-09-10
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. (MA)

I have countless times contacted Equifax as they are reporting incorrect accounts on my credit report. MY credit report is mixed with my brothers. I have been disputing this since the last year ( 2019 ) I have even sent copies of my license, social security, and all the information needed to prove the accounts showing on my report are incorrect. I have been on the phone for countless hours and the agents refuse to let me speak with a supervisor or manager. At times I would be on hold for 20-30mins and  they just hung up on me. I have researched this issue and a lot of people have had similar issues as they use initials to identify reports and I need them to use my full name and confirm using my social security number. This is extremely frustrating as I have worked hard to maintain good standing with my credit.
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX I paid the balance on my mortgage. 
On XX/XX/XXXX I received a letter from PNC congratulating me for paying my loan in full. The letter indicated that they were preparing documents to send to my county to release the lien on my property. 
On XX/XX/XXXX I received a check from my home owner 's policy for a covered loss. I didn't realize that PNC was also listed as a payee and deposited the check into my account with another institution. 
On XX/XX/XXXX I receive the check back from my bank indicating it couldn't be processed. 
On XX/XX/XXXX I went to PNC to have the check signed off on so I could deposit it. They would not sign off on the check, but requested an " exception ''. 
On XX/XX/XXXX I was notified by PNC that they could not sign off on the check because my mortgage was closed and I needed to contact the insurance company. 
I contacted the insurance company and was informed that I needed to get the lien release letter from PNC before they could reissue the check to just me. 
I contacted PNC again on XX/XX/XXXX and was told they couldn't help me. I asked to speak to a supervisor. 
On XX/XX/XXXX my insurance agent informed me that not only hadn't PNC sent a Lien Release notification to my insurance company, they also hadn't sent notification to the county I live in. So I have had a lien on my home for approximately 15 months after I paid off the mortgage. 
On XX/XX/XXXX I called PNC mortgage department again since I never received the return call I requested on XX/XX/XXXX. I was passed around to a few different people. I was finally told to contact the Lien Release Department and leave a message, which I did on : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I never received a return call from any of those messages. 
On XX/XX/XXXX at approximately XXXX I went to a local branch of PNC to try to get someone to assist me with this situation since no one was returning my calls. I spoke to customer service and to a supervisor, but there still isn't any resolution. I still have a check I can't deposit or use from my insurance company AND I still have a lien on my home despite multiple attempts on my part to resolve this with PNC.
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I purchased my home for $ XXXX in XX/XX/2020 using Wells Fargo for the mortgage. The loan currently has a principal balance of $ XXXX. The home is currently worth $ XXXX according to their automated valuation model ( AVM ). My current XXXX ratio is 68 %. 

I called to have XXXX removed. Wells Fargo refused based on the current information. Wells Fargo is using the XXXX value calculation to exclude people from having XXXX removed, but not allowing people to use that same valuation to prove a lowered XXXX for removing XXXX. A " heads I win, tails you lose '' situation. 

The options given to me were to write a {$450.00} check for Wells Fargo 's valuation, or a much larger check for the rest of the principal. 

I offered to pay for a third party XXXX and send it in to prove the home 's value, even though Wells Fargo already has the XXXX number. They to refuse to honor any XXXX I order, and reiterated I can either write them a check for {$450.00}, or a check for the rest of the necessary principal. {$450.00} is a gross overcharge they're leveraging because they claim I can't use any other option.