davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2017-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (OH)

complain against paypal. on XXXX XXXX, XXXX i bought something on XXXX for XXXX and paid for it with my account. on XXXX/XXXX/XXXX i found out my account was neg XXXX so i called paypal that same day. i talked to XXXX or XXXX people and they all told me that due to a policy change they could not collect money from a account that had a p.o. box on it which my does. so i told them i would check my bank to see if they did pay and if they didnt i would pay the bill. later that day i check my bank records and found they hadnt paid. so i tried to pay at least 3 times then i tried with a different card and because someone locked my account i couldnt pay. so the next morning i had to once again call paypal. after talking to XXXX or XXXX different people i got someone who was able to take the money over the phone and unlock my account. he then said everything was good and not to worry. but on XXXX/XXXX/XXXX i found that paypal had sent the XXXX back to my bank account. therefore once again i had to call paypal. i talked to XXXX or XXXX people and finally got a woman supervisor who explained the reason why they sent the money back to my account was because of all of the problems i had since their policy change, and all of the problems i had with different people working with paypal. she told me paypal was going to cover the cost and for me to not worry about it that it was a done deal and case closed. then on XXXX i found out that on XXXX/XXXX/XXXX once again paypal said my account was neg XXXX so i called paypal on XXXX/XXXX/XXXX. this time i got sent straight to collections and ended up talking to another supervisor who wouldnt not listen to anything i tried to explain and also said that woman i told him about could not and would not tell me the things i told him she said. i told him to check their phone records which are all suppose to be recorded and he would find out the truth. he would do it and said he was trying to collect a debt i owe. i told him that if this wasnt taken off my account i would close my account i have had for somewhere around XXXX XXXX XXXX years. he laughed and said i couldnt close my account until i paid the debt. now i dont want to close my account. but i will not pay this XXXX i have spent about XXXX hours and XXXX mins on the phone with paypal employees, i have spend XXXX mins sending and responding to paypals emails, i probably had spent another XXXX hours filing complaint with everyone i can to try and get this problem resolved and also maybe help anyone else who had this problem because of paypals change in policy dealing with p.o. boxes.
Consumer complaint received 2017-09-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (MI)

We had a mortgage with greentree we went to court and the judge stated after the home sold that is all they were getting and they sold a bogus amount not owed to anyone to ditech corporations it 's now on my credit report as a tax right off need it taken off my credit report
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

OnXX/XX/XXXX, I called capital One/XXXX XXXX GM card, and asked for assistance because I am a victim of hurricane Irma. I spoke to two supervisors, and the last one told me that I would get a credit of {$200.00} on my account to help out with food, gas, water, etc. She said the credit would appear on my account within 24 to 48 hours. 48 hours later, I called capital one again since the credit had not appeared and I was told that they were " doing a system upgrade '' and that the credit would appear shortly. XX/XX/XXXX, still no credit, so I call again and I am now told that the credit will be on my account on XX/XX/XXXX.XX/XX/XXXX comes and still no credit. I call capital one again, and the manager I talk to this time was very unsupportive, unsympathetic, and clearly unbothered. I told her that I was told that I would get a {$200.00} credit for hurricane irma, and she says that is not true, " we do n't give credits up to {$200.00} for anything and if the agent you talked to told you that, they should 've given you the credit immediately, we have steps to take for things like this and you have to apply for a credit increase '' after some unnecessary back and forth. She puts me on hold and comes back and says she has pulled the call and she sees the notes where the previous supervisor said I would get a {$200.00} credit but she has to forward the call to the corporate offices and let them listen to it which will take 7 to 10 business days. So not only does capital one not believe its customers, it does n't believe its own employees. XXXX XXXX, in the middle of writing this report, I get a call from the same manager, who sounds much nicer now. She says she has spoken with her supervisor ( which was something she could n't 10 minutes earlier the first time we spoke ) and granted me {$150.00} credit. I do not appreciate the way this company jerked me around and lied to me, it 's bad enough I am dealing with the aftermath of a category 4 hurricane, and after recieveing emails from capital one, saying " we are here for the victims of hurricane Irma '' capital One has proved to be unreliable, dishonest, and unaccountable.
Consumer complaint received 2017-09-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NH)

I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on X/XX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days
Consumer complaint received 2017-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IN)

I 've been trying to dispute this alleged collection debt of {$1200.00} that Diversified Consultants ( DC ) claim I owe. I sent DC my first certified letter dated XX/XX/2017, which requested them to remove this false debt or send proof that validates this debt with my signature, according to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and my state laws. Valid evidence should contain my signature, agreeing that I ever had an obligation to pay them. If no such documents exist, all collection debts from Diversified Consultants should be ceased and removed from all my credit reports. DC replied with a letter dated XX/XX/2017, stating that they found the debt " valid. '' Their verification included a letter from XXXX, which included an itemized bill. I also noticed the address on XXXX bill doesnt belong to me. Theres also no signature agreeing that the debt should be paid to Diversified Consultants. DC 's evidence is invalid. I sent a second certified letter dated XX/XX/2017, which DC received on XX/XX/2017, according to the signed return receipt. I included in the letter that they failed to provide viable evidence, and I also state, " as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. '' For a second time I requested them to cease collections or send proper documents. I have not heard back from Diversified Consultants since, which show they lack the proper documents. However, they continue to falsely report this debt on all my credit reports.
Consumer complaint received 2017-09-21
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I was in XXXX and made a purchase of some jewelry. The merchant charged my credit card for some diamond jewelry. 

When I returned to the US I decided to return the jewelry because the appraisal indicated that the jewelry was defective and over priced. I sent the Jewelry back to the merchant, insured with a returned receipt to be signed, through the US Postal Service. The US Postal Service in XXXX, FL contacted the XXXX Post Office and obtained a signed receipt by XXXX. The receipt also has an official XXXX stamp The US Post Office .has denied my request for compensation so I have appealed to Chase. 

Repeatedly I have requested that Chase Visa give me credit for the purchase. They have refused to help me in this matter. I have a submitted all of the documentation listed above and corresponded with them as follows : 1. Signed receipt for returned merchandise by XXXX from XXXX Post Office. 
2. Confirmation e-mail dated XX/XX/XXXX, that they have received signed for the returned merchandise. 
3. All documentation have be sent to Chase with my request for credit on my account for the merchandise that the merchant has. I DO NOT HAVE ANY MERCHANDISE SO I DO NOT OWE ANY MONEY TO THEM. 
4. XXXX, from Chase in XXXX, FL, has called the dispute department monthly from XX/XX/XXXX through XX/XX/XXXX.I have all of the names of the people XXXX and I have spoken with in the dispute department of Chase Credit Card.. 
5. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and I have an appointment tomorrow again, because I received another bill 6. Copies of everything listed above are available upon request.
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

I was contacted by Diversified Consultants, Inc. ( DCI ) on multiple occasions, several times a day in XXXX of XXXX for a phone or internet service item that is in question. On XXXX XXXX, XXXX, prior to sending the debt validation letter to DCI, I contacted the company ( XXXX XXXX XXXX ) that DCI  claimed they were collecting the alleged debt for and after several transfers within the company, I was told by customer service representative at XXXX XXXX XXXX, XXXX, that they had no information on any debt or monies owed to XXXX XXXX XXXX in my name. That same day, on XXXX XXXX, XXXX, I sent a formal request for a detailed list of the charges for the alleged debt via XXXX ( Tracking # XXXX ) which was received by Diversified Consultants on XXXX XXXX, XXXX at XXXX XXXX., DCI did not respond to my lawful request within thirty ( 30 ) days as required by law, however they still chose, one month later, to report the alleged debt to all three major credit reporting agencies, XXXX XXXX and XXXX. 

Please see to it that remove the collections from all three credit agencies for failure to validate a debt that the alleged company they claim they are collecting for has no knowledge of.
Consumer complaint received 2017-09-21
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: Experian Information Solutions Inc. (NH)

XXXX XXXX has reported to credit bureaus I was late more than XXXX date in XXXX and XXXX. And that is incorrect. I called and was told I can not speak to a dispute rep. And the supervisor seems it valid. Even though I made the payments. The XXXX month I was late was XXXX and thats not reported. Ive attached payments for both XXXX and XXXX shown less than 30 days in the billing period
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

There is an unknown social security in my file and a lot of credit inquires for a car loan using this SS # and some of my information. It looks like a Dealer mixed up information and somehow tagged my account with this social security of another person- fraud? 
I have tried repeatedly to correct this and everyone says they can do nothing about it? 
the last XXXX digits are XXXX and who is this?
Consumer complaint received 2017-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (PA)

I would like to report some massive fraud and illegal activity by discover student loans. I uncovered it this month after they made changed to their website. 

I am in their autopay program, and for the past several years I 've made additional payments and the minimum monthly payment ahead of the due date through their website. Once the payment was made, my autopay on that particular due date would be cancelled, since I paid my loan early. 

Since the recent update, I 'm told if I pay the minimum payment early, they 'll still withdraw the minimum payment for the month. I asked them what happens paying the monthly payment twice in a given month, and they said it 'll advance the payment due date. They said it 'll still take the money out on the 2nd of every month but will advance the due date. I told them if I pay the minimum payment early, they shouldnt be taking the money out again. I told them I dont want to advance the due date, and they said there 's nothing I can do. 

Another concern I brought up to them, is when I try to make an additional payment to pay towards principal and not the minimum payment, it wont allow me now. When I try paying money towards principal, it 'll go first to the minimum payment of the month and the rest towards principal. But, they 'll still withdraw that same amount with autopay during the month. The representative told me, that I wont be able to pay money towards principal of my loan from the 15th of the month until the 2nd. I feel that is unfair, and if I want to pay extra money towards my loan, I should already be allowed too. I feel misapplying payments, and incorrectly applying them, is being done purposely by discover to prevent people from putting extra money towards their loans.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

In XX/XX/XXXX of 2013 my husband and I filed a chapter XXXX Bankruptcy. We later withdrew our petition and the case was closed. No creditors were harmed based upon our filing and subsequent withdrawal. Since that date the three credit bureaus have had a bankruptcy showing on both of our credit reports. The balance is correct at XXXX dollars but the Bankruptcy should not be showing at all. My husband and I have both disputed this information many times with no luck having it removed for me and only trans union removed it for my husband. 
This information is a public record that can not be validated or verified by anyone in the court and therefore should not be on the credit reports. It was also withdrawn so I do not believe We should face the same consequences as a person or people who have filed and gone to discharge on their bankruptcy. This invalid information is causing us harm and making it impossible for us to move forward with our financial future. We have been denied credit repeatedly because of this bankruptcy. I believe this also should have been removed in XX/XX/XXXX when all credit bureaus agreed to remove public records. 
Can you please investigate this and help me get this removed from our credit reports.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

Equifax released my identification without permission. I contacted Equifax immediately. They said wait till XX/XX/XXXX. I signed up for the Equifax protection. XX/XX/XXXX I recivec an email to verify. Nothing happens. Equifax refuses to answer any national telephone line. I want them to remove my information from their computers or tell me where to send my invoice to them for my information. HELP!
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Good morning, I took a cash advance in XXXX of {$85.00} -- US dollars -- on XXXX XXXX, XXXX. 
I knew there is a cash advance fee and that interest would accrue starting XXXX XXXX So when I received my XXXX XXXX, XXXX USAA XXXX statement which covers charges in XXXX, I expected both the cash advance fee ( {$2.00} ) posted on XXXX XXXX and the interest charge of {$0.00} which was posted on XXXX XXXX. 
I paid the full amount due of {$2800.00} for the XXXX XXXX statement ( which was due XXXX XXXX ) early -- XXXX XXXX. This is confirmed on my e-bill pay account. USAA acknowledged receiving this on XXXX XXXX as well. 
So far I understand and accept the charges HOWEVER, I was still charged interest on my cash advance of XXXX XXXX on the XXXX XXXX statement ( which covers XXXX charges ). The interest charge -- posted XXXX XXXX -- is trivial ( XXXX cents ), but the question is why am I still paying interest on the XXXX XXXX cash advance since that was paid off on time XXXX XXXX. ( See above ). 
I spoke with a USAA representative who was very nice and explained that interest accrues until the amount due on my XXXX card is XXXX. 
So even though I paid the entire amount of {$2800.00} due for the XXXX XXXX statement on XXXX XXXX, I am still charged interest on a cash advance I have paid off. WHY? 
The agent said this policy is on the XXXX agreement that I received when I requested the card I can not find such an explanation. 
The dollars involved in my case are trivial. But others unknowingly are paying interest on cash advances that are much larger. I doubt they have a contract explaining why. This is not transparent, and not fair. 
Thank you for reviewing this issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-09-21
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. (TX)

After the recent XXXX breach, it was strongly recommended that I participate in their 1 year credit protection through a 3rd party. In addition, I wanted to freeze information at other agencies : XXXX  Experian, etc. I was rudely surprised to find out that I would have to pay a fee to have this done. 
I did not solicit any interactions with these companies ; I did not ask them to track all of my purchases, credit history, etc. Why do I have to pay to have them stop monitoring me? 
I do not want or need any of their services, yet I am supposed to pay to NOT do business with them? Extortion?
Consumer complaint received 2017-09-21
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. (NY)

XXXX XXXX, XXXX To : XXXX XXXX XXXX XXXX, Account number : XXXX Ive been approved for two payment extensions for my XXXX XXXX XXXX beginning XXXX XXXX. Since then I have signed the agreement and mail it out to the address on the agreement XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX. I Waited a week and contacted XXXX about the status of the extension since I didnt see it reflected on my XXXX account. A representative stated that they didnt receive the agreement that I mailed in so I refaxed the agreement again. Call again and another representative stated that the fax wasnt received and the extension had expired. They emailed me out a new extension agreement on XXXX/XXXX/XXXX. I continued to faxed the agreement several times to the number ( XXXX ) XXXX, Spoke to several representatives all of them gave me the same response, stating they never received the fax so I spoke to a supervisor and she advise me to fax it again and they would honor the last two extensions. Since then I have fax it total of 10 times it was costly and time consuming at best. This has cause severe damage to my credit rating and credit report. It has caused a string of late payments to my credit report. I am asking for those late payments to be adjusted due to the extensions that werent honored from XXXX XXXX the negative marks from XXXX on are incorrect
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meade & Associates, Inc. (MI)

I became aware of a debt for a returned check that is reported on my credit reports. I reached out to the company for information and when I received this I sent payment for the account as well as a request for the account to be deleted ( I sent this via certified mail in XXXX and am satisfied they received it ). I attempted to follow up with this account and asked if they would please respond to me in writing as to why they have refused to cash this payment. They responded by calling me. I once again reached out via mail ( certified ) to ask that they refrain from phone contact and to please send to me in writing why they will not cash this payment and update my account. They continue to report this as an unpaid debt to the credit bureaus and refuse to provide me with an explanation as to why they will not update this account.