davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

During Covid-19 we received a letter from XXXX XXXX  stating us to call and discuss forbearance options. Till date, my wife and I both are employed and have been diligently making mortgage payments. 
We decided to call the bank and discuss that we are not interested in forbearance and that we will continue to make payments which we did. However, XXXX had put our credit and our account status in forbearance and this has caused a lot of financial problems for my family. 
We are closing on a purchase of a vehicle and I can not proceed as they have flagged my SSN and account to list as forbearance. I will attach statements as proof that we have been making payments, they charged us with fees that are unjust. XXXX classified these fees as late payments, whereas we have been making payments diligently every month. 
To say the least, we are very dissatisfied with their customer service, their legal department and their supervisors. No one was ready to assist us when we reached out to customer service.
Consumer complaint received 2020-06-01
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)

My wife was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PDQ Services, Inc. (GA)

On XXXX, it says that my debt was deleted by PDQ services in XXXX georgia on XX/XX/2020. I called PDQ services on XX/XX/2020 to receive a letter stating that the information was deleted but PDQ Services claim they have no information of me in their system. I recently applied to an apartment complex and the complex denied me stating that there is a collections on my report called PDQ services. I called PDQ again on XX/XX/2020 and I was still informed that there is no record of me in the system.
Consumer complaint received 2020-06-01
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. (ME)

3 Fraudulent Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$20000.00} Opened XX/XX/XXXX {$9000.00} Opened XX/XX/XXXX {$2100.00} Opened XX/XX/XXXX
Consumer complaint received 2020-06-01
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. (AR)

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$4800.00}
Consumer complaint received 2020-08-02
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. (FL)

My complaint is regarding XXXX XXXX. They placed an unauthorized inquiry on my Equifax credit report on XX/XX/XXXX, This was not authorized by me, i was not contacted as is required on my Victim Fraud Alert. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX& XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Consumer complaint received 2020-08-20
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. (NY)

I leased a XXXX car from XXXX XXXX towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX XXXX was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a newborn baby by XXXX and also got XXXX during the same time. I have been admitted in and out of the hospital all XXXX and till XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but XXXX XXXX XXXX reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides XXXX XXXX XXXX had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by XXXX and the letter I sent them.
Consumer complaint received 2020-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I leased a XXXX car from XXXX XXXX towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX business was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a newborn baby by XXXX and also got XXXX during the same time. I have been admitted in and out of the hospital all XXXX and till XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but XXXX XXXX XXXX reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides XXXX XXXX XXXX had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by XXXX and the letter I sent them.
Consumer complaint received 2020-08-02
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: BARCLAYS BANK DELAWARE (AL)

This company is reporting an unverified account and the account status is wrong status. Please be further advised, I dispute the validity of the alleged debt in its entirety. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (IL)

Please review the attach documentation. 

I am federally protected consumer and I am invoking my specified remedy. I am demanding that AWA Collections remove this allege debt from all consumer reports, XXXX out the balance, apologize, and pay the attached invoice for all violations
Consumer complaint received 2020-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

I went into XXXX to talk about possibly setting up a plan. The man had me fill out all my information and then presenting an outrageous price for phones and I walked. Come to find out, the employee still opened an account without my consent. I've tried handling this with XXXX and they keep saying because I dont have a pin I can't get into the account. Well it was illegally opened so how was I supposed to get my pin. My credit has now been hit for four years because of their worker. This happened in California.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion is showing an very low credit score and refuses to explain why my score for XXXX is showing XXXX XXXX  XXXX and their score is XXXX. I would appear they a have bad information on my report that should be removed, and refuse to explain to me why it's so low.
Consumer complaint received 2020-08-20
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: HYUNDAI CAPITAL AMERICA (NY)

I leased a XXXX car from Hyundai Finance towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX XXXX  was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a XXXX XXXX by XXXX and also got XXXX  during the same time. I have been admitted in and out of the hospital all XXXX and till XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but Hyundai Finance company reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides Hyundai motor finance had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by Hyundai and the letter I sent them.
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

Since COVID 19 started my hours have been reduced. I have called Fay Servicing on many occasions. The first time was on XX/XX/20. I stated that I couldn't pay my mortgage do to my hours being reduced The representative stated that they have a forbearance program and to continue calling every month. I called on XX/XX/20 on XX/XX/20 on XX/XX/20 on XX/XX/20 and on XX/XX/20 after I received a letter stating that since they have tried numerous times to reach me I'm am now in forcloser. I was assigned from the start a case manager XXXX XXXX that never answered my calls but claims in this letter that he tried calling me. I requested to speak to his supervisor and left him XXXX XXXX a message on XX/XX/20 and never called me back. I finally got a hold on Mr XXXX on XX/XX/20 I mentioned all my situations including not receiving letters he claims were sent to me to fill out for my forbearance and calls they falsely claim they did. Mr XXXX asked me to go check my post office and to ask for the letters I never received and that he couldn't help me any further. I feel that Fay Servicing is not willing to help me during this crisis and are lying and falsely stating that they have been unable to reach me when I have made all the above calls mentioned. I feel that their tactics and practices are with bad intentions when all I need is help not threats during this pandemic. Please help me. Thank you XXXX XXXX loan number XXXX
Consumer complaint received 2020-08-20
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (PA)

I have a loan with FEDLOAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureas and FEDLOAN with no successful resolution. All 3 bureausonly reporting me late. There was definitely an error on their part. I was never 120 days late.
Consumer complaint received 2020-08-20
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: EQUIFAX, INC. (IL)

Found Identity Theft on my credit files. Several accounts that were not mine. Belongs to another XXXX XXXX. Filed police report, FTC report and dispute with XXXX, Equifax and XXXX. Several accounts on each file. This particular complaint is against XXXX. My complaint came back verified by creditor when it plainly states that " a debt collectors words can not be the sole proof of verification of the debt. '' XXXX, XXXX  and Equifax..totally broke the law by doing this and refused to remove these items from my account with no proof other than thier own words. I would like the following items removed from my file my XXXX, Equifax and XXXX  Files. 
Morris Plan Act # XXXX Paid /Closed XXXX XXXX XXXX Act # XXXX Paid/ Closed I would like the following files removed from XXXX  and thier method of verification and who exactly they talked to and when. 
The Following Medical accounts from XXXX XXXX/ XXXX  XXXX All accounts pertaining to XXXX/ XXXX XXXX XXXX XXXX. {$170.00} XX/XX/XXXX. {$230.00} XX/XX/XXXX. {$13000.00} XX/XX/XXXX. {$160.00} XX/XX/XXXX. {$340.00} XX/XX/XXXX. {$85.00} XX/XX/XXXX. {$440.00} XX/XX/XXXX. {$190.00} XX/XX/XXXX. {$67.00} XX/XX/XXXX. {$110.00} XXXX XXXX XXXX. XXXX IL Closed/paid {$1000.00} XX/XX/XXXX Delete not mine Delete XXXX XXXX  XXXX Ohio XXXX XX/XX/XXXX Paid/ Closed. Not Mine Delete The following accounts are fraudulent ane or identity theft on Equifax. 
XXXX  XXXX closed paid # XXXX {$1000.00}. Not my account XX/XX/XXXX XXXX XXXX {$6600.00} closed paid # XXXX Fraud Not my account These are fraudulant accounts and were included in identity theft police reports and FTC reports. I would also like XXXX  and XXXX  to explain the method of verification. Who exactly they talked to that aledgedly verified this identity theft debt and the method of verification. I want these debts " blocked and removed '' immediately and my police and FTC report honored as true.
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of idenity theft.I have accounts in my name that I did not authorize. Please help [ me with this matter.
Consumer complaint received 2020-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

On XX/XX/2020, i tried to withdraw all {$3000.00} of my own money which i had stored onto Cash App. They suspected " unusual activity '' and Cash app locked my account saying " My account is locked and it will take 24 hours for support to contact me. However i still have access to see my balance. '' The next day which is today .. I received another email stating saying " Email Address Unlinked XXXX has been unlinked from your Cash account. If you did not request this change, please let us know. '' Now i have no access to my account or my funds, this is an extremely concerning matter and i'm left in the dark about this who situtation. Also no one from support has contacted me within the 24 hours stated. 


I've tried to contact them numerously, no response and now i'm just missing {$3000.00} in my account.
Consumer complaint received 2020-06-01
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: EQUIFAX, INC. (VA)

I submitted a complaint to all three credit bureaus. I also submitted a police report of identity theft. They made no effort to eradicate the items off of my report even with proof of identity theft.
Consumer complaint received 2020-08-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Paypal Holdings, Inc (NC)

Venmo opened a personal payment account for my daughter who is XXXX years old, in violation with Venmo 's own legal terms. My daughter is using this Venmo account to make payments for substances she is not legally allowed to purchase, namely vaping devices. Venmo failed to implement appropriate controls to confirm that my daughter, upon opening this account, was in compliance with the legal terms posted on Venmo 's website which state " To create a personal account, you must be a resident of the United States or one of its territories, be at least XXXX years old or the age of majority in your state of residence and use a cellular/wireless telephone number that you own. '' I have contacted Venmo via email to request that my daughters account be closed.
Consumer complaint received 2020-08-19
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. (AR)

I called XXXX XXXX  to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: American International Finance, Inc. (IN)

I have disputed this account with the company and bureaus on : XX/XX/2020 and XX/XX/2020. I have asked removed the incorrect information as my address, my name. They have removed the account all together from my XXXX and XXXX. I have then called on XX/XX/2020 and asked why it was not removed from XXXX and they could not give an answer. XX/XX/2020 it was removed from Transunion and on XX/XX/2020 it was removed from XXXX..
Consumer complaint received 2020-08-01
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. (CT)

I applied for a XXXX Mastercard and they declined me. I recieved a letter from them on XX/XX/XXXX and they claim my credit score is XXXX which is completely incorrect. I know my credit score is over 600 and use XXXX