davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland funding has a garnishment on my wages and have started to garnish my paycheck for a credit card debt that they had a default judgement on I have called them on XX/XX/XXXX to discuss and talked to a man who said his name was XXXX XXXX who stated that he could not talk to me about my account because there was an internal review on it I called Midland funding back on XX/XX/XXXX and talked to the same person who stated that I needed to contact the attorney XXXX XXXX which I have called her on XX/XX/XXXX left a message no return phone call from the attorney after further research I had created an account XXXX to resolve this account and the account is not in the system my tax return was garnished for XXXX of XXXX which the court has a copy of also my tax return for XXXX was garnished in the amount of XXXX the court does not have a copy of XXXX garnishment of XXXX now my wages are being garnished for an amount of XXXX and no one is able to discuss my account with me but they are able to garnish my wages. I believe Midland funding is overcharging me and they will not discuss my account with me I don't understand how Midland Funding a huge debt collector can't discuss my account with me and the attorney they hired will not answer the phone and my account seems to be a ghost since I can't even see what is owed or what was paid but they are able to garnish my wages and not speak to me about it I went to the courthouse and ordered the file and have found that there was no Account level documentation in that file alls there was, was an affidavit from a XXXX XXXX saying I owe this money. A distressed consumer with nowhere to turn.
Consumer complaint received 2020-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OR)

I was told after a deposit into my paypal account that a limitation was pit into effect for suspicious activity. So they asked me to upload numerous documents to verify my identity. I did so in the time frame requested. Then on XX/XX/2020 at XXXX XXXX i called and talked to a worker at paypal and asked when my account would be restored and was tild by the end of the buisness day. Then the next day i checked and they had permanently banned me from using paypal and are holding all my money for 180 days. I asked to appeal the decision and was denied. I asked if there was anything i could do to access my money and was denied. They never gave me the option to appeal the decision as well as gave me false info about restoring my account. in the state of oregon it is illegal to hold my money without first giving me a chance to fix the issue in question. They couldnt even tell me what suspicious activity it was that got my account banned. I need my money now not in 6 months i have kids to feed as well as a home to pay rent for. I will lose everything if my money is not given to me
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I attempted to deposit a check in the amount of {$6600.00} via the Chase mobile deposit app. On XX/XX/XXXX, the deposit was reversed with the reason being that the back of the check image was unusable. On XX/XX/XXXX I took the check to a physical location and deposited it in the ATM at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX along with another check. The total deposit amount of the two checks was {$7000.00} and the posting date was XX/XX/19. The check deposit in the amount of {$6600.00} was again reversed with the reason being that this was a " duplicate '' deposit. 

On XX/XX/XXXX I contacted Chase and asked them to open a dispute and review the deposits so that they could determine that the second deposit was not, in fact, a duplicate but rather the physical deposit of the check that was not accepted due to the image error. I received a response on XX/XX/XXXX stating that the transaction was processed correctly and that there would be no adjustment to the account. 

My deposit in the amount of {$6600.00} has been reversed twice now and I am no longer in possession of the check since the physical check was deposited at the ATM.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-20
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. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I have been customer XXXX XXXX XXXX Mortgage Co for last 20 year. Since XX/XX/2020 i requested for refinance of loan. I have been making payment for last 20 year on time. My credit Score is over XXXX point. They agree to refinance my loan with no point.My loan officer send me estimate I signed and send it back to processing department. At the time  closing bank charge me XXXX more then initial estimate. I tried to talk to loan officer plus her supervisor, Even called Head of Mortgage Division. No body has show any interest to solve the problem. I believe it is against the law. Please look into the problem. 

XXXX XXXX XXXX XXXX @ XXXX XXXX
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

After checking my records the amount they said I owed was different then what they were reported to all three credit bureaus. When speaking to portfolio Recovery Associates we came to agree an agreement to settle the account on XX/XX/2020 for {$330.00} they also stated that after the payment was completed that they would delete the account from all 3 credit reporting agency. I also have proof of this agreement and will attach to this complaint. They have refused to do so.
Consumer complaint received 2020-10-20
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. (FL)

the information from XXXX XXXX XXXX XXXX  XXXX  does not belong to me someone used my social security number and photo id to open this fraudulent lease in my name i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DigniFi (GA)

Back in XX/XX/XXXX - I signed a Unsecured Loan Agreement ( Fixed Rate ). The problem I'm having with them is their calculations of the monthly payments. Everything I've tried to use, do not add up. I've contacted them on several occasions, asking them how they arrived and the payment amounts listed as monthly payments on their website. I told them it don't add up - I asked them for an explanation of their calculation. They refused. I filed a complaint with the XXXX. I still can't get a response. I called XXXX XXXX and spoke someone at least twice and told me I have to call them. The second problem is Interest Rate and the APR. The APR is listed as 27.99 % and but in the letter to the XXXX  they listed the APR at 31.02 % and the Interest rate as 27.99 %. They said the loan date is XX/XX/XXXX, but its really XX/XX/XXXX. I filed a complaint with the XXXX on XX/XX/XXXX - the company responded on XX/XX/XXXX. I called to talk to them and I mentioned them responding to a complaint I submitted she said it wasn't true. I gave her the XXXX reference number, information that the company wrote to XXXX. I was for an updated contract, it had been amended. Just the pages they changed or amended. I haven't been successful in getting them to do anything. Contract and letter of response is attached.
Consumer complaint received 2020-10-20
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. (PA)

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2020-10-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Had sent 3 letters investigating a balance that should be reporting as {$0.00} to Equifax, as i had received a cancelation of debt statement from the original creditor, XXXX XXXX XXXX  account XXXX, all credits bureau had updated balance to {$0.00} but Equifax states that they had verified the account with the original creditor, despite sending paperwork proving that the debt was cancelled. See attached reporting from other bureaus ( XXXX  updated balance to {$0.00}, XXXX  deleted the item from credit report ). I had reported the debt as income and paid taxes properly.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently obtain a copy of credit report an noticed that I have some hard inquiries that I did not authorize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

-- INSTALLMENT LOANS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

CREDIT COMPANY DROPPED MY CREDIT SCORE 50 POINTS. TWO COLLECTIONS WERE REMOVED AND THERE WERE NO OTHER CHANGES SO WHY DID MY CREDIT SCORE DROP AFTER I CALLED AND MADE A COMPLAINT. IN ADDITION I REQUESTED TO HAVE WRONG INFORMATION REMOVED FROM MY REPORT.

There are address listed below that are not mine. they have yet to show proof of how these address are mine. 
XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX AND XXXX account that is listed as charged off needs to be removed due to the court documents i sent in and its pass the 7 year mark as well.
Consumer complaint received 2020-10-20
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. (NJ)

I am a XXXX at XXXX XXXX College in XXXX XXXX, NY. I recently dropped out of this school because of them using my personal information to take out a loan without my knowledge. Dept of education/XX/XX/XXXXplaced this loan my credit report which wasn't supposed to be reported until after I graduate. Because of this, my credit score decreased drastically.. XXXX XXXX College said they sent the loan amount of XXXX back to the dept of education and notified dept. Of ed/XX/XX/XXXX. This item is Still on my credit report despite being paid in full.
Consumer complaint received 2020-10-26
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. (GA)

I AM LOOKING FOR HELP GETTING THESE FRAUDULENT ACCOUNTS REMODVE. I AM HOPING I AM CONTACTING THE RIGHT COMPANY, BUT I AM A VICTI OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITIY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. THE ACCOUNTS ARE HAUNTING ME, I HAVE BEEN TRYING TO FIND THE RIGHT REMEDY TO GET THESE ACCOUNTS REMOVED.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Aqua Finance, Inc. (FL)

I bought a water purification system through Aqua Finance. The device has had several issues and currently does not work. The company I  bought the device through wants to charge $ XXXX {$50.00} per half hour to fix. I refuse to pay such large fees every time the device breaks, and was made to believe all warranty and repair would be covered in price of purchase. However, now I am stuck with a broken device and forced to pay the financing contract. I would like to have the unit returned and be refunded for the device. I do not care for either of these companies and feel I have been taken advantage of.
Consumer complaint received 2020-10-25
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2020-10-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

My father passed away and left me his home with a XXXX XXXX mortgage. I fell behind on the mortgage due to me losing income and not being able to sustain on Social Security Income alone. I then lost more income as the pandemic went across the United States. I called my servicer, Shellpoint, and requested the forbearance plan under the CARES act. I spoke to representative XXXX XXXX who informed my that they would not let me enter into a forbearance plan due to my account not being current. I advised that I had read the CARES act and it says it is available to everyone with a federally backed mortgage regardless of delinquency. They still will not let me get on the plan and pause foreclosure action. Also, during the forbearance I am able to make payments thereby reducing my debt.
Consumer complaint received 2020-10-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

I've tried multiple times to resolve my complaint with PennyMac Loan Services but they continually fail to do so. Their " Priority '' Complaint Specialist, XXXX, will say anything to get a problem to go away and refuses to acknowledge all of PennyMac 's negligence. When applying for a highly time critical purchase loan for an investment property, the company failed several times to properly and timely communicate, additionally to accurately address my file. The company filed to accurately review my file, did not respond five ( 5 ) times during an open application during this critical time period - it was not until the sixth ( 6th ) attempt that someone did return my call. Most recently another team member, XXXX ( XXXX ) XXXX, was to also to contact me to further discuss this matter. Naturally he never called. Very typical for PennyMac. I don't see how this this company has a license to lend or really do anything. There are laps and failures at all levels. 

Never properly reviewed my financials, never contacted me with any questions, and later I found out that they double counted a mortgage payment and my auto payment. - Note that XXXX called this ( multiple times ) a " Complex '' review. 
Six ( 6 ) attempts to reach someone during my application. The first five ( 5 ) were never returned. XXXX refuses to acknowledge this ; probably to the gross negligence that it was on their part. 
No other company who reviewed my financials had any problem and even said I could qualify for much more. 
Only declined after I have filed complaints. Retaliation by PennyMac.

Unfortunately they caused me critical time that significantly impacted me financially in addition to a great deal of stress. 
Most recently another team member was supposed to contact me. NEVER called. Not that I expect anything different from him, just continues to show the character and lack of leadership at PennyMac.
Consumer complaint received 2020-10-20
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. (MI)

I have been with consumer powers for overs and my account was paid while my services were still on at my address and it was paid through consumer powers before XX/XX/XXXX. When I spoke to consumer powers that year and they told me that it went to collections by mistake and it was pulled from them and I found it on my record in XXXX and I called them back and they told me that the company said they bought it and it didn't matter that it was paid on time through the company which is consumer powers that they had bought the account it will still show late payments on their end even when it was paid off. So i decided to call the company in XXXX and they told me that it was removed and I told them that I still see it on my credit report. They asked me when was the account paid off and I told them in XXXX. So I called the company back and they told me it was paid off and the collection agency wouldn't let them remove it so I had to dispute and I been disputing this account for serval years now. They found out found by me that it was paid off and they had to keep what was on the account still. It's been over two years on this account and it is still showing paid on time but it's also showing negative from all credit bureaus.