davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
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 demand to see Verifiable Proof from Experian, XXXX  and XXXX ( an original Consumer Contract with my signature on it ) and have a file of the accounts listed below. The failure to positively verify these accounts, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. I demand the following accounts be verified or removed immediately. Please add a Promotional Suppression to my credit file. Which, nothing was sent or handled. In addition, investigation always exceeds the 30 day window. 

XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MS)

I paid my balance in full and was charged interest. When I called about it I was told I would need to pay the interest even though I had already paid the balance and that I was being charged interest on that interest. With this practice I will not ever be able to pay off the account. According to XXXX at Citi this is there practice.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

Experian has had my credit report locked since XX/XX/XXXX. I have called several times including XX/XX/XXXX. The representative told me that someone else name was attached to my credit profile and I needed to send my SS Card, ID, and proof of address via email. I sent that XX/XX/XXXX. I still haven't seen any progress so I called back XX/XX/XXXX and was given the run around.
Consumer complaint received 2023-11-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I was given a Vanilla gift card for {$100.00} in XXXX of XXXX. The card number was unreadable, so I contacted by phone the phone number provided on the card. They provided me with a case number of XXXX. I sent them all the documents requested and was told that it would be looked into. I called three times for status and finally on XX/XX/XXXX I was told that it would take another 30 days to issue a replacement card. On XX/XX/XXXX I received the replacement card with a " XXXX '' balance. I called to activate the card and check why it showed the " XXXX '' balance. I was told that I needed to start all over again and resend the same documents I had already sent. I then contacted XXXX via their chat line and explained all that has occurred and was given lots of " I am sorry for all this you are going through etc. " This conversation went on three times and finally I was told to contact CFPB. All I want them to do is send me a new gift card with the balance of {$100.00}. They have all the information they need to do so. Thanks.
Consumer complaint received 2021-02-17
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (IN)

My PayPal account was hacked and I submitted a dispute for the charges with both PayPal and my banking institution. According to my bank and Paypal, the dispute was resolved and funds were returned to me. Now I'm receiving a letter from XXXX XXXX XXXX XXXX stating I owe the same money that was returned to me. PayPal shows that my account was in good standing and was closed after the resolution of the dispute. I don't want this reported to my credit if PayPal says it's resolved on their end.
Consumer complaint received 2021-03-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We have been banking with Bank of America for 20+ years. Originally the business was a sole proprietorship. In XXXX the company changed status to LLC. Apparently at that time, the tax number on the account should have been changed from a SSC # to a TIN/EIN #. This was never brought to the owners attention. Over the course of the next ten years the owner opened several lines of credit with Bank of America attached to this account. Still no request was made to change the numbers associated with the account for tax purposes. When the pandemic struck the company applied for the PPP loan through Bank of America. Both the Bank of America and the Small Business Association allowed the business to apply with this social security number. Now that we are attempting to apply for the second round of PPP funding the SBA refuses to except our application because the Bank of America refuses to permit us to apply with our TIN/EIN, the number the SBA now requires to apply with because we have more than one employee. It took Bank of America almost a whole month to even bring this to our attention. We immediately began to attempt to fix this. We were subjected to extremely long hold times, literally hours on hold. When we finally reached someone ( usually we would just be transferred ) we would find ourselves speaking to someone who didnt know what was going on. Finally we reached someone in their PPP department who suggested we re-apply, using the same numbers as before, with a note attached to our supporting documents with instructions to swap the SSC for the TIN/EIN. We did as instructed. We also applied with another lender at that time for the PPP loan. The other lender found the same issue, that since the BoA had used the SSC # the first time, the second draw could only use the SSC #, according to the SBA. We were informed that we could have Bank of America contact XXXX and then the loan would go through successfully. We requested the bank do this last week ( XX/XX/XXXX ) in person at the branch in addition to opening a new account with which they could use to apply through them to the SBA for the PPP. The bank did not adjust the XXXX number as they said they would. After this ( XX/XX/XXXX ) the BoA declined the loan because the SBA instructed them to because the application used a social security number, not a TIN. Even though we had followed the instructions the loan was not corrected. Now, since the loan has been declined by the SBA BOA says they can not apply for another loan for us. We could use the other lender, but only bank of America can adjust the XXXX, and since, for whatever reason, they cant get this done, we cant apply with this other bank. Our hands are tied by BoAs inability to follow proper procedures and their incompetence. We are hoping to receive some assistance with this issue.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

While married we bought a townhouse in a low income area because it was being sold and a friend lived there. During the divorce my husband who works for the government at a XXXX got the townhouse and allowed me to keep our house because of my son living here. He is a honest man living well below his means. The townhouse was bought 16 yrs ago and 5 months. He has always had automatic payments and the mortgage has been sold/transferred several times over the years. We believe it has had more transfers due to the location. The last mortgage holder was Ditech Financial LLC and it was transfer in XX/XX/2019. The XXXX payment counted because he pays around the XXXX of the month before. It was sold/transferred to New Res-Shellpoint MTG with no notice in the mail or email. Normally this isnt a problem because the old company forwards the payments for about 3 months while making sure the owner is notified. Not only did this not happen but they returned his payment for XXXX and XXXX with no information. It went unnoticed due to living below his means and a very low mortgage payment didnt adjust the bank amount enough to be noticeable. It was letters of intent of foreclosure that was the first correspondence he was given that the mortgage holder had changed. He paid right away and wrote the company asking for them to adjust the credit reporting because before that issue he had a perfect credit score. He notified me because it is still listed as joint ownership. I have also written the company which is a Fannie Mae owned company and disputed the reporting because of bad administrative practices. Over 16 yrs with not a single late payment but a company that is poorly run can ruin a perfect credit score. We strongly believe that other owners in this community have had similar issues or even been foreclosed because of being sold to poorly managed mortgage companies buying loans in low income neighborhoods. Please investigate these companies because they give no response to our letters.
Consumer complaint received 2021-03-23
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (WA)

Thank you for answering my complaint No. XXXX. I understand that you believe that the information sent to the credit bureau is correct. I can't verify it because my annual credit reports don't show it. This is why I first complained. I thought that you would send me the results of your investigation with a statement and everything that you have on this account. I send you a copy of my report other two are the same way. 
Accounts are : SYNCB/BANAREPDC ( opened XX/XX/XXXX ) # XXXX SYNCB/CARE CREDIT ( opened XX/XX/XXXX ) # XXXX
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

In XXXX of XXXX with the cares act mortgage were allowed to ask for forbearance up to 12 months. I have XXXX serviced by Loan Care. The XX/XX/XXXX payments are due by thew XXXX. This payment was made and on the XXXX I called about the forbearance program. They said I qualify and I am now told because I called on XX/XX/XXXX my 12 months of forbearance started in XXXX even though payment was already made. So loan Care is only giving me 11 months of forbearance because I called XXXX XX/XX/XXXX. 

I received a letter from Loan Care dated XX/XX/XXXX. It says your forbearance plan starts XX/XX/XXXX and ends on XX/XX/XXXX for a total of 330 days. After several calls and having them send this for review they said because I call in XXXX of XXXX I only get to 11 months of forbearance.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have reported a fraudulent charge on my credit reports from TransUnion, XXXX, and XXXX. These companies have refused to look at the documentation that shows this was a fraudulent charge by a XXXX XXXX employee. That charge continues to show on my credit report reducing my credit score. What is going on here that people will not acknowledge the evidence?
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MD)

On the XXXX on XXXX I called American Express to talk to someone about my mobile banking account and the young lady stated to me that my XXXX XXXX American Express Serve card was suspended and locked and I was trying to get information as to why my account was suspended and locked but she never gave me no information at as to why they locked and suspended my account and at this point I just filed my income taxes and when I contacted XXXX XXXX with is the taxes service I filed my taxes with and they stated to me that I have now wait for my income taxes refund in mail instead of me receiving my taxes refund on my American Express Serve credit card and now they are telling that I can't speak with someone over the phone instead they stated to me that I have to right a letter and mail the letter but they still didn't unlock my account.
Consumer complaint received 2021-02-17
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: CORELOGIC INC (FL)

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CREDCO Inquiry :XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

ACCORDANCE WITH THE FAIR CREDIT REPORTING act 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  




HAS VIOLATED MY RIGHTS.
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 CANNOT FURNISH A ACCOUNT
WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 2020-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I have called this company numerous of times about this debt not being mine they sent me three fraud packets and i sent all three but they stated that they never received two of the packets which i know was a lie. Then in XX/XX/2020 they did receive the third packet I sent. in XX/XX/2020 i got an email stating that the debt was valid but they didnt send the information I requested at all. While going through this I was speaking with XXXX XXXX who tried her hardest to help me she transferred me to a supervisor Back in XXXX I left a voicemail and never got a call back. Then i called again to ask to speak to the supervisor again and the gentlemen told me that no one can help me and i need to pay the debt i asked why was the information that i requested wasnt sent he stated that they are not required to send that information. I hope that phone call was recorded because those was his exact words to me. I filed a identity theft report with FTC sent over everything that was requested police report photo id. Now i asked them to validate the debt back in XXXX and they didnt respond at all and here it is XX/XX/2020 and still havent gotten the information. I want them to stop collections and remove this off my credit report I AM A VICTIM OF IDENTITY THEFT and they dont seem to care about that. Now i know its past the 30 days from the information i requested from them and they have to remove this because they were not in compliance at all.
Consumer complaint received 2020-08-28
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: National Credit Adjusters, LLC (OH)

I have a loan with NATIONAL CREDIT ADJUST and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, NATIONAL CREDIT ADJUST and XXXX XXXX with no successful resolution. There was definitely an error on their part
Consumer complaint received 2020-08-28
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: Upgrade, Inc. (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

I received a phone call from PROFESSIONAL BUREAU OF Collections a few weeks ago, they stated that i owed them a debit for services provided by western dental, they could not give me any information what so ever other than that I owed them {$1100.00}. I asked her to provide me with a bill or agreement or any-type of proof that I had received whatever service they were billing me, I than asked if this was being reported on my credit and she mentioned it was indeed. This is ridiculous how can PROFESSIONAL Bureau of collection report something on my credit and you have no information to provide the consumer whose credit they are affecting, NOT VERY PROFESSIONAL AT ALL! It has since been several weeks that I asked them verbally to remove this item off of any and all credit reporting bureaus if not send me any type of reason as to why they believe I owe them this debt. I haven't received a response and it still has not been removed from any of my credit reports. Before the phone call was over I asked them if they were recording the conversation I was having with debit collector representative, I had not been asked at the start of the conversation if they had my permission to record call and i had not given consent for them to record. She admitted the conversation was indeed being recorded, I requested copy of recording call and they denied my request. Very shady Illegally purchasing debit and soliciting me over fraudulent charges.