davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I submitted a previous complaint on XX/XX/XXXX requesting them to correct my address after several attempts to get this correct. They stated that they updated my information but it is still incorrect. There should only be one address anything else is wrong. My correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Someone had purchased computers from me and sent me {$10000.00} via PayPal on XX/XX/2018 but used an XXXX card as a funding source. On XX/XX/2018, the buyer disputed the transaction claiming " Item Not Delivered ''. The {$10000.00} was removed from my PayPal account on XX/XX/2018. This buyer was an acquaintance thus no receipt was ever generated. He can not prove how many machines he purchased. I have pictures of all the machines he purchased in his basement. I personally delivered them to his house and set them up. I am supposed to be innocent until proven guilty. Instead what happened was I was guilty and because I don't have a bill of sale, the only proof I have of the items being delivered in full is the pictures of the items in his basement. I can describe the inside of his house as well as his basement where I set them up perfectly. I am willing to sign an affidavit to back up my statement that I 100 % delivered each and every machine he paid for. PayPal failed to perform any type of investigation on the matter and instead simply let XXXX pull the funds from my account. I am disputing this charge back on the grounds that I delivered each and every machine he had paid for on XX/XX/2018 when I drove them to his house at XXXX XXXX XXXX XXXX MD XXXX. Case ID : XXXX
Consumer complaint received 2018-09-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (NC)

I financed a XXXX XXXX XXXX through Exeter finance on XX/XX/XXXX and I have made 50 payments at this time. On XX/XX/XXXX I decided to trade in this vehicle, but when my credit report was ran this loan has not been reported to any of the three major credit buraus. I contacted Exeter on XX/XX/XXXX and spoke with two different people and no one could explain why or fix the issue. I contacted them again on Monday XX/XX/XXXX and spoke with a supervisor who told me someone by the name of XXXX XXXX from XXXX Texas sent them a letter in XXXX of XXXX asking them not to report my payments. I sent Exeter an email about their mistake and they continue to refuse to correct the issue. I called back on Tuesday XX/XX/XXXX and spoke with several people and they continue to refuse to fix their mistake. Now I am stuck with a vehicle that I no longer want. I feel like this company should be held responsible for their fraudulent actions and solve this issue.
Consumer complaint received 2018-09-26
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. (CA)

XXXX XXXXXXXX XXXX is reporting erroneously on Experian, XXXX and XXXX   credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( experian has this correct ) but XXXX was 60 days late, XX/XX/XXXX 90 days late and then closed XX/XX/XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XX/XX/XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXXXXXX XXXX  should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.
Consumer complaint received 2018-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (FL)

We completed a modification in XXXX due to Hurricane Irma with the first payment due XX/XX/2018. I contacted the servicer Pacific union financial as the recoverable corporate advances had never been satisfied. They stated that it could take a little longer. I allowed some time but now the amount was going up. I had not been late at any time. I kept being told someone will call you. I finally got a young lady on the phone and she advised that they forgot to cover the recording fees for the mod and so they had to charge me for it now. Understandable to be charged but annoyed it was taken care of as was originally explained to me. I then explained that it started at XXXX then went to XXXX then to XXXX back down to XXXX and back up to XXXX and now reflects XXXX. I requested explanation of this as it does not make sense with what she said and requested an accounting of the charges and how funds were applied. I was told that I was disputing and to write in. I cant dispute what I don't know and need help to get this information and possible correction if needed.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account name : XXXX XXXX XXXX I am writing to formally dispute the late payment ( s ) reported on my credit report for my account XXXX. According to my records, the following late payment ( s ) were reported for the months of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within XXXX days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.
Consumer complaint received 2018-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Acceptance Corporation (AL)

Affiliated acceptance Corporation is not following the laws according to the FDCPA and the FCRA.I filed a complaint ( XXXX ) and asked for validation of a debt they claim I owe them. I asked for a contract and they did not provide a contract. They refuse to validate the debt and is in violation.I have not received a dunning letter from them and they have to send a dunning letter giving me the right to dispute the debt. 
the company stated they the billing agency for another company which means they is collecting on a debt. I have never signed a contract with their company.They did not provide proof like I asked in the complaint.where is the contract because you collecting on a false debt? I formally request copy of documents bearing my signature showing that I have a legally binding contractual obligation to pay them and not a billing statement because that is not validation.
Consumer complaint received 2018-09-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

This is my final attempt before legal proceedings. I am reaching out to the credit bureaus because I have this collection account being reported from your company : XXXX three different accounts, I attempted to dispute with the collection company but they are giving me the run around about my account. I asked them to mail verifiable proof to that abides by the guidelines from the FTC they claim they aren't under obligation to send the original contract and they claimed they sent me the paperwork that proves this account is mine. I did not received anything in the mail and the only attachment they sent was the account history. I will reiterate again, THIS ACCOUNT IS NOT MINE. I DID NOT GIVE MY CONSENT TO DO BUSINESS WITH THIS ACCOUNT. I recently checked my credit score and discovered this catastrophe. I believed my identity was compromised and this company is not cooperating with me to help relieved my circumstances. There has been no investigation on my behalf nor did they send me the list of contacts they involved within the investigation. I asked this company to provide AUTHORIZATION CONTRACT, AFFIDAVIT OF CLAIM, ORIGINAL CONTRACT, CUSTODIAN OF CONTRACT, AND ACCOUNT HISTORY. NONE OF THESE DOCUMENTS HAVE BEEN PROVIDED. This company claims they sent the information off I've been in contact with them for almost 30 days and have YET seen any documents.
Consumer complaint received 2018-09-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Hypotec Inc. (CA)

Transparency in their Marketing Material - Bait & Switch. 

Sent me a piece of mail on XX/XX/XXXX with the caption - Escrow Refund Benefit Allotment Notice. 

I assumed my escrow had extra funds in it and i was going to get a check back from them. It tells me about " Your Economic Benefit '' and that this is a VA-1211 Benefit Allotment Notice. 

It tells me that my new payment has been calculated to {$1300.00} and that i needed to call them to reserve this figure. 

Then in big black letters it tells me i have an " EST. ESCROW REFUND AMOUNT : {$3200.00} ''. 

So i call the number to see what's up, no one picks up - so i hang up and within 30s i get a text from a guy named XXXX XXXX NMLS 237073 ( only reason i know this is because he took a picture of his business card and texted it to me ).

While i was reading his text, i look back over the mailer because something didn't seem right and started reading the super small fine print, which was a whole 3 lines ... and it tells me that they this is not a refund of any sort, but that they would  change my loan to a 2.75 % 3 year ARM ... XXXX would i want an Adjustable loan? I have a 25yr Fixed rate loan at 4.25 % ... and XXXX would they tell me I have an Refund but then turn around and try to refinance me? 

Companies like this who blatantly target veterans should be taken out back and put down.
Consumer complaint received 2018-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

After a non-responsive form letter in CFPB # XXXX, I am making a new complaint with the intention of getting resolution which they have eluded in previous with an attachment of the requested form, completed and offered as evidence to the XXXX  response and the XXXX of the CFPB authority to the financial institutions they're to be oversight.
Consumer complaint received 2018-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I was sent to the collection company Fair Collections and Outsourcing for an apartment residence I lived in 3 years ago. I was charged a 2 month penalty fee for leaving a lease early. I paid a debt of {$2900.00} to XXXX XXXX XXXX in the form of a cashiers check that was express delivered with signature required by the USPS on Monday XX/XX/2018. The supportive documentation will show a conversation by myself and the VP of Property Management where they state they will " gladly write me a letter '' to say the balance is paid in full. This shows on my credit report as having this debt and it has prevented me from obtaining an apartment in XXXX where I reside. I am in need of an apartment immediately and I have been told by numerous rental companies that I can not rent without this being resolved. I took the necessary steps to correct this issue but I have not received the letter after several voicemails and emails were placed to XXXX XXXX. I feel this is not fair to punish me for something I have remedied. I can not make this company write me a letter and my only other option is to contact the credit bureau to show proof I have paid this. Please help me to clear this up as it is negatively affecting my current living situation, future, and credibility. Also this credit company FCO calls me approximately twice a day every single day of the week. When will all of this stop? The consequences of this have become detrimental to my life currently. I need something to be done.
Consumer complaint received 2018-09-26
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. (TN)

List of things I see wrong on my CR from Transunion name is not XXXX XXXX XXXX not employed at XXXX XXXX as a XXXX XXXX XXXX XXXX ( not an existing job title ) XXXX XXXX XXXX ( XXXX ) automotive showing Maximum Delinquency of 30 days in XX/XX/2013, according to information under public records ( chapter bankruptcy discharged ) date filed is XX/XX/2013 * Called XXXX County Bankruptcy division to ask has my personal information been reviewed for others to see they said they do not provide that information to anyone also why XXXX is view on my report ( Transunion ) and the other creditors are not list for viewing, this was placed under my bankruptcy and is showing 2 type of accounts, the.
Consumer complaint received 2018-10-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (TX)

XX/XX/18- 3 phones calls between XXXX and XXXX. The first 2 calls I did not answer but on the 3rd I picked up thinking it might be something important. The female who would not provide her name, just that she was with Common Wealth Financial. After giving the company name she hung up. When I called the number back XXXX answered and said this was about a debt but first he must say legally this is an attempt to collect a debt. He DID NOT the mini-miranda This is an attempt to collect a debt. Any information obtained will be used for that purpose '' XXXX never provide the name of the creditor just that it was a medical bill, the amount owed and said he would just send a letter.
Consumer complaint received 2016-09-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I had a XXXX credit score and the only loans I had were federal student loans which I have been paying on time without any deferment. I went to finance a car from XXXX XXXX, XXXX XXXX Nj and they ran my credit report to approve my financing for the vehicle. They out XXXX hard inquiries on my credit report without my authorization while i have the documented proof that I only allowed them once to run my credit report. They ran it XXXX without authorization and put XXXX hard inquiries on it which led my credit to drop from XXXX to XXXX within a month, first from XXXX to XXXX and then from XXXX to XXXX.
Consumer complaint received 2018-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2018- around XXXX in the afternoon while I was at work : 3 charges of {$250.00} each ( total of {$750.00} ) appeared on my checking account with Bank of America . Charges were done through XXXX application, that I had no knowledge of prior to this event. I was at work and remember checking my e-mail as I was expecting an employment letter. I noticed an e-mail from Bank of America asking me to verify, whether I just added " this person '' to my XXXX account. I clicked " no '', but thinking it was just a scam e-mail, out of habit I deleted the e-mail. I tried to log in to my online banking to check if everything was ok, but access was denied so I forgot about the whole thing. About an hour later I received a call from the Bank reporting a suspicious activity on my account. I spent about an hour on a phone with several bank reps and a fraud specialist, who stated that the fraud was done by someone who got access into my e-mail and stole my information through the Bank of America e-mails somehow. She also recommended me to immediately provide the Bank with a new e-mail address, freeze my account and open a new one and I did all that was recommended. 
XX/XX/2018 - 10 days after Bank 's investigation I called in to check on a status of the fraud investigation and I was told the following : " Unfortunately, we can NOT refund you the stolen money, as the fraud was done through your mobile device. '' I almost " passed out '' when I heard the news and felt that a big injustice was done and that someone somewhere needs to help me and other people just like me. I was recommended to contact my Mobile phone provider ( XXXX ) and ask for a letter stating that there is a virus on my phone. XXXX stated that they do NOT provide such letters. I was also recommended to file a police report which I a going to do tomorrow after speaking to the Bank in person. I have a bad feeling that they are not going to help me though, therefore, I am turning for help to others. I just need to do something as this does not feel right! 
Thank you for taking your time to read my letter!
Consumer complaint received 2018-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

I have disputed the Collection from Diversified Collection agency w/ XXXX . XXXX has yet to provide me proof that the Collection agency has validated the debt to them. I called and spoke w/ Diversified Collection agency on Monday XX/XX/18 and was told they were waiting on the Original creditor ( XXXX ) to get back to them. I have been disputing this debt since XXXX. I was never told about this debt and Diversified collection agency has never notified me regarding the debt. THIS DEBT HAS NOT BEEN VALIDATED.
Consumer complaint received 2018-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (CA)

Four years ago I signed up for a subscription to the XXXX XXXX XXXX newspaper.

Money was taken out from my credit card, beginning in XX/XX/2014, to cover the upcoming 6 months by easy pay. Except they would take the money from the credit card and then bill me again. The XXXX payment crept down to becoming a XXXX payment. Every 6 months I would have to call and complain. They would tell me they would fix the problem, but it usually didn't get fixed until I sent them copies of my credit card statements, etc.

In XXXX. I cancelled the subscription. Then I called XXXX XXXX and told them not to pay because I had cancelled. I paid {$5.00} for any extra papers I received. XXXX XXXX   said they agreed to the cancellation in XXXX. I did not receive any papers from the day I cancelled. Then the day they settled, they turned me into A.R.M. collection agency asking for the full amount of the 6 month subscription which I didn't get. I had already paid them a prorated rate. I never received any communication from them after I cancelled. Then I received the collection notice.
Consumer complaint received 2018-09-27
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. (GA)

I've reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with XXXX, Experian and XXXX  and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by XXXX XXXX
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian to no avail to get two addresses removed that are false. Their phone system has had issues and I was disconnected by the only two agents that were actually willing to help. After a total of four frustrating phone calls, I was told by every other agent that they have to follow policy and can not remove an address that a creditor is reporting. I advised them that I had contacted all of the creditors associated with the false addresses by phone and certified mail and they still had not updated. I had no issue with XXXX  or XXXX  with this, yet Experian still flat out refused to remove the last two INCORRECT and false addresses. They said this must come from the creditor. My first time contacting Experian about this issues was XX/XX/18 and the second time was XX/XX/2018.

I advised Experian that they should not be reporting false information- still no resolution aside from them continuing to tell me to contact the creditors which I had already done so over 60 days prior and 3 weeks prior.
Consumer complaint received 2018-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DC)

I am a victim of identity theft for the past three years. I have a valid Police Report and I was requesting blocking of fraudulent inquiries ( i.e. applications for credit ) in accordance to FCRA 605B. The customer service representative denied 605B Fraud Block and stated that the investigation has to take 30 days. I asked to be transferred to a supervisor and I was told that the investigations has been filled already, therefore, she is unable to block as per the pending investigation. I specifically requested to have that information blocked in the first place, while the 30 day investigation is pending ( in compliance with FCRA 605B ), however, both the customer service representative and the supervisor were unaware of FCRA 605B Block or they willfully did not comply.