davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
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. (CA)

There are two late delinquencies showing on my XXXX XXXX XXXX Credit card in XXXX and XX/XX/2019. This card has been set on auto payments for years. The minimum amount due increased and we were not notified as well as the payment did not auto adjust to the new amount as it should have per XXXX. 

Both times we spoke with XXXX XXXX XXXX on multiple occasions and they agreed that the error was on their side and not mine. They acknowledged that the payment was still made on time per our auto payment but it was for the incorrect amount and that their system should have adjusted the payment to the correct amount since it increased. I have never had a missed or late payment on this account. 

After speaking with multiple people as well as managers at the company they said this should have been removed from my credit and corrected since the error was on their side. We still haven't been able to remedy this with them.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

My parents passed away in XXXX and XXXX respectively and my sister and I worked with the original mortgage company to do a modification. This was in effect with no issues until the loan was sold to SPS ... Select Portfolio Servicing. 

Then mysteriously in XXXX XXXX XXXX  the company started calling stating that the account was behind but could not talk to me. I had advised I had been sending payments and they said they could not speak with me only my sister. Basically they lost all our documents that showed I had any interest in the propriety and required us to re-supply them however they had documentation they could speak with my sister. 

I followed the instructions they stated by sending to a special address and with the bill and account number on a check, something I hadn't done in 6 years, but then received two payments returned. 

Then mysteriously in XXXX they were no longer able to speak with my sister. My sister finally found all the documents as I had no longer held them, and got them to the company in mid XXXX. We then get a notification that we are being sent to foreclosure but they can now speak to me. all they gave me in mid XXXX was a reinstatement quote but said they would help. 

I called today XX/XX/XXXX one last time and now they say they can't read any of the documents therefore are able to talk to us but not help us. 

I feel this company selected our parent home as an easy target and through their archaic processes believe they will be able to make over {$100000.00} on the home taking this from me and my sister.
Consumer complaint received 2020-06-04
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. (GA)

XXXX damaged my credit score over the years by showing my two student loans opened in XX/XX/XXXX but did not report my first payment until XXXX. My payment history will show that my actual first payment was in XXXX. The Fair Credit Report Act will show that I am entitled to 100 accurate credit reporting. They withheld years of my payment history which lowered my credit age from 18 years to only 5 years on my credit report and the First Report date is how my score is mainly calculated so by XXXX failing to report my correct first payment date in XXXX forward I have suffered financially because their fraudulent and false information lowered my credit score. Also my loan was paid off from consolidation on XX/XX/XXXX but they reported me for having a higher balance on XX/XX/XXXX to the credit bureaus
Consumer complaint received 2020-06-04
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 bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 
XXXX
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am very upset everytime I request a credit line increase their system declined me and they wont do a manual review on my credit Ive been a good customer but their system declined me for just one reason for one returned payment a long time ago this is ridiculous when I spoke to their underwriting department they told me ask customer service to submit for manual review but when I ask they wont listen to me such a frustrating process
Consumer complaint received 2020-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

I have attempted to get in contact with Credit Collection Services for a debt they claim is owed as a result of the XXXX XXXX XXXX company. I can not even dispute the debt 's validity because there is no contact information for Credit Collection Services. I want this removed from my credit report ASAP.
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (MA)

I have XXXX in my cash app for my car payments and now its frozen I cant pay my car I cant cash out I cant transfer money to my bank my cash app is completely frozen again this is my car payment that has to be made Im behind 2 month due to the covid-19 and this payment was very much important Ive tried everything complaints costumer service customer support and noone has reached out I need this matter resolved and my money into my acct as soon as possible
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (AL)

I WAS APROVE FOR A CREDIT ACCOUNT AT GINNY, S ON OR AROUND XX/XX/2020. I MADE AN ORDER OF HOUSE HOLD OBJECTE ... SHEETSET, OUTDOORS CANOPY, AND A FEW OTHER THINGS, WHICH TOTAL UP $ XXXX..FIRST PAYMENT WAS MADE ON XX/XX/2020 OF $ XXXX.THEY ONLY WANTED ME TO PAY {$25.00} A MONTH, I WANT TO JUST PAY A LITTLE MORE .I HAVE BEEN WORKING ON GETTING MY CREDIT IN ORDER, SO THIS WAS A WAY TO HELP ME.I MADE THAT PAYMENT ON MY XXXX XXXX CARD, MY SECOND PAYMENT WAS THREW XXXX XXXX ON XX/XX/2020 FOR $ XXXX..MY THIRD PAYMENT WAS ON XX/XX/2020.I HAVE BEEN RECEIVING BILLS FROM THEM STATING MY BILLS WAS LATE AND THEY DIDNT RECEIVE ANY PAYMENTS FROM ME, AND THE LAST PAYMENT OF {$50.00} THAT SENT IT BACK TO ME AND THEY PLACED MY ACCOUNT IN COLLECTIONS WHICH IS NOW ON MY CREDIT REPORT..CAN YOU HELP ME WITH THIS UNFAIR TREAMENT..I HAVE PROOF OF ALL PAYMENTS AND CHECK STUB FROM CHECK THEY SENT BACK ... ....
Consumer complaint received 2022-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

I contacted FedLoan servicing at the start of XX/XX/2022 to request a refund of payments I had made during the XXXX forbearance. FedLoan acknowledged that my request had been received and that I would receive my refund within 2 to 6 weeks.

Approx 2 weeks of that refund request, all of my loan information disappeared from my account on the FedLoan website. I contacted FedLoan on XX/XX/XXXX to understand why I could no longer see any information related to my loan on their website. I was informed by the agent on the phone that FedLoan no longer serviced my loan and that it had been transferred to another servicer. They said my request for a payment refund would have to be made through the new loan servicer. 

I immediately called the new loan servicer, XXXX. They said that my loan information had not actually transferred yet and could take up to 2 months to transfer and be in their system. They could not see any info related to me or my loan as it was not yet in their system. 

FedLoan servicing knowingly made a promise of a payment refund with a 2-6 week timeline and then immediately sought to transfer my loan away from themselves. They knowingly gave fraudulent information and made no effort to process my refund request. Money that is legally my right to be refunded is now unavailable.
Consumer complaint received 2020-06-04
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. (TN)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$5700.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was involved in an automobile accident and the vehicle was deemed a total loss. I filed a lawsuit and won the court case against the other party. The court determined that I was not at fault for the accident. Consequently, the insurance company paid the remaining balance due on the vehicle. ( I have attached a copy of the police report for reference. ) There is no outstanding balance due and therefore nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (FL)

Gla collection showed on my credit the XX/XX/XXXX opened XX/XX/XXXX of this year for unpaid medical expenses I checked with my insurance and I know definitely I wasn't in Kentucky last year they have an address in XXXX ky And number I have never had So I was never notified about this till it affected my credit I have yet to receive any kind of receipt for this and they haven't given me the account number
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (IL)

Trying to connect my bank account to XXXX so I am easily able to cash out money early from me checks but does not allow me because of PNC and I need to I have a XXXX month old baby o got to take care of
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (KY)

I have a XXXX 's credit card which is through Wells Fargo and can be used at other places. I let my husband purchase something online with my card as i was right beside him. He was logged in on his account and made purchases. When I received my bill, I asked him for a list of those charges to reconcile against the statement. When he went into his account to look at the orders, he saw all my past purchases including many that he shouldn't have. I immediately called the credit card company and they filed a report which is Case # XXXX. I asked that it be immediately fixed or shut off so he couldn't view anything. I have not heard anything back from them and would like the issue to be escalated. Luckily it was just my husband who saw the information that I am aware of but I don't know that for sure. I am the only authorized user on the card along with almost every other account I own. My finances are my own and I don't appreciate that they not only let him view everything but then haven't not fixed it.
Consumer complaint received 2024-08-20
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)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-06-04
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)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX
Consumer complaint received 2020-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NV)

PayPal and several other companies have no customer service number today and rely heavily on technology. What a way to run a business and a lot of companies run a business like that these days. I can not get into my old PayPal account that I have not accessed in several yrs because I don't have the same phone number or information as i did 10 to 12 yrs ago. They ask me for my email address and than for my old phone number. What if whoever bought my old phone number could hack my stuff and do what ever they wanted. It creates an open door for identity theft. Is there laws or any statute of limitations as to how long a digital company can keep your accounts open. I have a XXXX account that's several yrs old and I can't log in to delete it and I don't want my pictures or my face out there and I feel stuck. And I have XXXX asking me for to verify a 12 yr old PayPal account. I can't go back that far and I won't. I can't even list anything on XXXX because of it. Privacy issues with expired information of several yrs can be an open door for hackers and identity thrives. MAIN complaint consumers can't access old accounts with out the same phone number or email.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Rent Recovery Solutions (GA)

XXXX XXXX as for a purchase agreement to validate the account no respond XX/XX/XXXX XXXX ask for a purchase agreement to validate the account no respond XX/XX/XXXX XXXX purchased agreement to validate the account no respond
Consumer complaint received 2020-06-04
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)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. DEPTEDXXXX {$3500.00} DEPTEDXXXX  {$4500.00} DEPTEDXXXX {$6000.00} XXXX {$780.00} XXXX {$510.00} XXXX {$2000.00} XXXX {$3500.00}
Consumer complaint received 2020-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I have been trying to fix this problem with XXXX for almost a year they have been reporting this account on my file and violating the fair credit reporting act and debt collection act. I called the orginal creditor where it supposedly came from and talked to XXXX They do not have the orginal contract bearing my signature like I asked. So how can XXXX collect on this debt when the orginal creditors doesn't have a contract. I never recieved any letters giving me my right to dispute. Even though they said they did but refuses to give me the address they sent the letters to they will not work with me i have tried calling and everything but I got hung up on by one of their associates they are violating my right to dispute this information on my credit file. Experian also verified this information but I find it hard a company can verify without the proper documents that shows me they didn't do a proper investigation.
Consumer complaint received 2023-10-03
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: Experian Information Solutions Inc. (CA)

There are 3 hard inquiries on my Experian credit report that I do not recognize or authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

My Name is XXXX XXXX and I have been using Square ( Cash App ) for almost 4 years. I have my XXXX XXXX   debit card and account number linked to this app. I have never had any problems using this money transfer app. I send my roommate ( XXXX XXXX ) my portion of our house bill via Cash App every month. 
However, On XX/XX/2019 around XXXX, I tried transferring my portion of our bills ( {$380.00} ) to XXXX XXXX via Cash App. I opened my Cash App account, l went to recent activity, I selected XXXX XXXX  name, which was on top my recent activity list, and I sent the money. He accepted it right away ; He replied with a thumb up. On the following day, while I was at work, my roommate, XXXX XXXX called me and asked for my portion of the bill. I told him that I had sent the money yesterday via Cash App, I told him that he even replied with a thumb up. He said, " let me check, I don't think I received any money or replied to you yesterday. After checking his Cash App account, he said to me that he did not receive the money. I opened my Cash App account and checked the transfer. I realized that there were two XXXX XXXX  accounts. I knew right away that I was scammed because I have only been sending money to one XXXX Account. I realized that someone created a fake account using my roommates information. The Scammer also appeared on my recent activity list, which I could not understand. I was confused and wondering how could his be possible. 
So, I contacted my bank, XXXX XXXX right after I got off the phone with my roommate and told them not make payment to the transfer. I explained to them the whole problem. The Fraud Specialist told me that they couldnt stop the payments or investigate the matter. I would have to contact Cash App and tell them to initial a dispute. 
I emailed Cash App ( Cash Support ) and told them everything. They told me that they are Cash App is unable to initiate disputes with a customers bank on their behalf. 
After making several phones calls to XXXX Fraud department and exchanged many messages with Cash App support group, both companies made it clear that  they were not going to investigate my case. 
So, I did XXXX all weekend ( XXXX XXXX XXXX XXXX ) to pay my portion of the bill. I made XXXX and I added other money that I had in my XXXX account. I went to my Cash app account, this time I was more careful, selected the right XXXX XXXX account, I transferred {$380.00} to his account. I was confident that this time he would get the money. Also, I had transferred {$20.00} to XXXX XXXX via Cash App on XX/XX/XXXX and it was successful. Unfortunately, the money went to the scammer. This was more confusing, because I selected the right account. I contacted XXXX Fraud right away and Cash Support. Both said they could not help. 
I lose a total of {$770.00} ( {$380.00} * 2 ). I will close both accounts as soon as I get my money back.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 2020-06-04
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. (AZ)

This account is showing delinquent when it is not.. The account is up to date since being opened back in XX/XX/2018. The account is in good standing and should not be reported as otherwise.
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (TX)

I do not recognize these inquiries, and I have asked for them to be removed, and the bureaus did not do as I asked. I am providing an identity theft report which will be attached. I am requesting the following inquiries to be removed because the inquiries are in accurate and not mine.