davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/20 XXXX matched me based on the credit file updated XX/XX/20 for XXXX XXXX. I went to the American express website within XXXX minutes of that information from XXXX and check for prequalification for that card and was prequalified through American Express website. I immediately went to apply for the card and during the application process there were several glitchy type issues such as it would not allow me to enter my income information and when I went to process the application it said there was a denial, Which in the denial letter there was a bunch of? s all over the place so it looked almost like a glitch and some of the information at the bottom was not equating to the information on my most recent XXXX credit report that I just looked at XXXX something minutes prior. Then a minute later The website said their systems are currently updating and please check back in XXXX minutes so I really think something was wrong with the application process and I tried to explain to the people at American Express that I dont think the application was processed right I think there was a glitch but theyre refusing to do anything about it and all I want is the hard credit pull removed from my account because it was not appropriately processed and I feel like by them pre-approve and me and then denying me within XXXX minutes its deceptive financial practices and misleading. Please make them as a remedy remove the hard pull because that application was not processed properly in their system.
Consumer complaint received 2021-03-31
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. (OH)

I have disputed multiple inquires on my credit report from Equifax. All which comes back as accurate and verified. Under FCRA Section 609 and 605 I have asked Equifax to provide me documentation from each lender about date of dispute, time stamp, etc. Nothing was provided. So basically what is boils down to is I can open a dispute with Equifax on XX/XX/29 and they can complete that same dispute on XX/XX/29. That tells me that no proper investigation was made by Equifax. That also tells me that is a violation of my FCRA rights. Equifax is good at doing that. With that being said I am reuquesting the CFPB to look into the matter. If Equifax continues this route they will find themselves on the end of a very nasty civil litigation.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

On XXXX XXXX I made a transaction through PayPal to pay for services for a vendor event. I paid this organizer in hopes to hold my spot for this event, however after investigating the person I was told to send the money to it became apparent that it was a scam as I contacted the location in which the event was to be held and they had no idea of such an event even happening. I attempted to contact the person who initially gave me the information and she reported that the name of the person I sent my money to was the " XXXX XXXX '' after a quick XXXX search I find out that this is a common scam with the same email address that is connected to someone over seas. XXXX maybe?? Not sure. But I confronted this person and told them I wanted my money back because she was a scam. I did not get any further response from them again. Unfortunately when contacting PayPal regarding this issue, they are not able to refund my money because it was sent through " friends and family '' and not as merchant goods. The amount that I was charged was {$63.00}. I went through my bank to attempt to get my money but they were only able to issue a temporary refund until further investigation ... which they are closing it as they don't do business with 3rd party transactions.
Consumer complaint received 2021-03-31
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. (CA)

There are two accounts that are on my credit report that are not mine I have been writing to the bureaus and the furnishers regarding this I have opened an FTC but nothing. I have not signed approved or used these accounts I have no clue what they are for and why they are on my credit report. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CALIFORNIA Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-03-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

On XX/XX/2021 a collection account was removed from my credit report. However, the same company did an reinsert on my credit report and I was not notified within 5 business days of such action by Equifax. I was not provided any documentation with my signature proving this debt. I've been very patient, but they are not following consumer reporting agency laws. This is an unfair practices and it's keeping me from buying a house for my family.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

On or about XX/XX/XXXX requested mortgage modification of the terms and conditions my mortgage interest rates due to lack of affordability with the changing interest rate terms from of 2 % to 3 % due to financial hardship. On or about XX/XX/XXXX I was grant forbearance on past due amount of approximately {$3500.00}. On or XX/XX/XXXX was granted or approved for trial modification in the amount of approx. {$1100.00} for three months. On XX/XX/XXXX I rec 'd the new mortgage modifications with new terms and conditions with the same terms and condition of the original mortgage with step rates which is designed to increase my interests on first 12 month 3 % to 3.5 %, and on the 13 month and 3.875 % on the 25 month with a balloon payment of XXXX at the end of the new maturity date of XXXX. The new terms and conditions drawn up and provided by SPS Servicing Inc are not reasonable affordable and thus not sustainable terms and conditions. A more affordable terms would be to maintain my mortgage interest rates to remain at 2 % for the terms of the loan to the maturity date of XX/XX/XXXX which will make the mortgage payment more affordable. I am requesting the agency review the matter in more details.
Consumer complaint received 2021-03-31
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: EQUIFAX, INC. (CA)

There are 4 accounts on my credit report that are not mine and a bankruptcy that are not mine they do not belong to me I have not applied for these used this or even applied for this. 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

My name is XXXX XXXX XXXX formerly XXXX XXXX. I am requesting to REMOVE my credit freeze from my file. I am looking to buy a house and they can't pull my file because of the freeze/block/Fraud alert on my file. Please remove it at once. My SS XXXX XXXX XXXX and my XXXX is XX/XX/1991. I have attached a utility bill, SS Card, and DL for proof of ID.
Consumer complaint received 2021-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OR)

XXXX sent in 3 payment one of the 3 was lost in ACH customer service rep stated. Still no credit for that payment. Now sent in a bill pay payment on XX/XX/XXXX delivered on XXXX XXXX Freedom Mortgage had a verbal confirmation from XXXX XXXX XXXX that money was send on XX/XX/XXXX. Spoke w several CSA/Supervisors. Payment is missing! 
{$2000.00} payment can not just be missing. 
I need HELP! This is so in professional and quite frankly just bad business. I know for a fact I am not the only one having this problem!
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Creditor : XXXX XXXX  ) XXXX XXXX XXXX -XXXXXXXXXXXXX****
Consumer complaint received 2021-04-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (WA)

On XX/XX/21 a payoff request was made by my new lender. After a week of not getting one from loancare llc, the new lender requested that I call to get a payoff. I made a request online XX/XX/21. I then called for a follow-up XX/XX/21. I was told it tastes two business days. I called again XX/XX/21, got nowhere and was hung up on. Most recently, I called again XX/XX/21, and spoke with XXXX. Her ID was XXXX. She told me it's going to take 3 more business days, she promised I would have the payoff by XX/XX/21. Their agents lie just to get you off of the phone. They are misleading, and but to be trusted. 

Loan Care never answers the phone in a timely manner. It always takes hours on hold to reach them. When they are overly busy, which is always, they route calls to " loss mitigation '' ... So you end up in the wrong department. Then you get to wait again for them to transfer you.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have a current myequifax account and their site will not allow me to manage a credit freeze. The website directs me to an 800 number and when I go through the process it says it can not perform the credit thaw. The phone number then re-directs me to the website. 
This poor customer service and the inability to manage one 's own credit file is totally unacceptable. 
It feels as though Equifax punishes customers who choose to protect their credit by freezing it.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

My student loans are with XXXX. I have always made my payments on time. For whatever reason, there are late payments on my credit reports. As you can see in the letters I attached, I've always had great payment history with these accounts, then it randomly shows 90 days late the next month after on-time payments. This simply isn't possible. I tried contacting Equifax, XXXX, and XXXX, but none of them have responded to my request. I have highlighted the clear errors in their reporting in my attachments.
Consumer complaint received 2021-03-31
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. (PA)

The account never had any late payments. XXXX Bank close the account in XX/XX/XXXX I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than XXXX days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. 

Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. 


Since you are still reporting this account on my credit report, you are now in violation of the XXXX, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 




- I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Consumer complaint received 2021-03-31
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. (GA)

Experian is refusing to delete improper data from my consumer credit report anf file. I have sent XXXX certified letters with proof of improper imformation with the last letter being on XX/XX/2021. The information being furnished is incorrect and is impacting me financially. I never gave Experian permission to furnish any of my private consumer credit transactions and want the following accounts immediately deleted from my consumer credit report and my consumer credit file pursuant to XXXX XXXX XXXX XXXX Permissible purposes of consumer reports. ( a ) IN XXXX XXXX to subsection ( c ) and consumer reporting agency XXXX furnish report under the following circumstances and no other. 
( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 

I never gave EXPERIAN any written consent to report anything on my consumer report, no consent is Identity Theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer. I am demanding a deletion of these accounts.
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (VA)

I received a letter dated XXXX from this company attempting to collect an alleged debt on behalf of another collection agency XXXX XXXX XXXX. There were also several laws violated here. 
15 USC 1692 ( g ) ( 5 ) a statement that upon the consumer written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor. 
This document lists XXXX  XXXX, na. that is false information Per the definition by congress written in the definition of the law. Myself, I can not extend credit to myself. Another violation is 15 USC1692d ( 2 ) the use of obscene or profane language the natural consequence of which is to abuse the hearer or reader. The words/language used in this letter is just that proving a violation of law. Also, violations of 15 USC1692n ( f ) ( 8 ) using any language or symbol other than the debt collectors address on any envelope when communicating with a consumer by use of the mails or by telegram except a debt collector may use his business name IF such name does not indicate he is in the debt collection business. Well Radius Global Service Solutions is for certain in the debt collection business and letter they sent clearly state that this is a attempt to collect a debt. The envelope showed Radius Global Solutions. 
I am requesting a removal of this alleged debt from all sources listed on this document and a deletion of this alleged debt. Also requesting {$1000.00} for the violations of laws per 15 USC 1681 ( n ) civil liability for willful noncompliance. Per law 15 usc 1681n ( a ), 15usc 1681n ( 1 ) ( b ), 15 usc 1681n ( b ). Nothing listed above is a belief its a fact.

the letter is from radius global solutions, but has XXXX XXXX XXXX and XXXX XXXX n.a on the letter so im not certain on where you would say it came from
Consumer complaint received 2021-03-31
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: Credence Resource Management, LLC (AR)

XXXX XXXX XXXX continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX. The entry on my reports reflect that XXXX XXXX XXXX reported this entry in XXXX 2020 on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by XXXX XXXX XXXX. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the multiple disputes. To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had over 5 months to respond to me, yet they have not. In my first dispute letter to them, I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. Why did they not provide a dunning letter to me prior to inserting this entry on my reports? Why are they continuing to report this negative entry on my report when they have clearly violated my consumer rights. 

Being this alleged account is considered a utility account, XXXX XXXX has not provided me with copies of any terms and conditions that XXXX have changed over the course of this account being established that would validate this alleged entry belonging to me. Even more specific is the reporting they are doing among the bureaus. The bureaus reflect different information for this same account. Again, further proves the inaccuracies and their negligence. It is obvious that XXXX XXXX XXXX has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CMRE Financial Services, Inc. (OK)

CMRE dispute is valid. I'm attaching original invoices from Hospital showing their collection is incorrect and want them removed immediately. Also, you have failed to mail me the results of your investigation. Hence, the reason it was being disputed. 

I want XXXX and XXXX to remove both invalid collections.
Consumer complaint received 2021-03-30
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)

There are two accounts on my credit report that are not mine they do not belong to me I have not applied, signed or used these accounts nor do I know how they got there. 

Account Name : XXXX  XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

I have been using PayPal for years, making purchases on XXXX and others. I made my first sale on XXXX and the funds were sent to PayPal on XXXX from a sale. I now have a balance sitting in my account for {$96.00}. I can't seem to set up a way to have it transferred out of the PayPal account to my credit card that is linked to the account, nothing can be set up on their website because it just doesn't work right. I gave up on waiting for hours on the phone and trying everything that customer service told me to do, so I clicked on the radio button that said just send me a check. That doesn't work either. First customer service told me my address wasn't verified, then they told me I had to link a bank or checking account in order for them to mail me a check. I don't want to link my banking information with them, I just want MY money minus the fee that they charge to mail out the check. Aren't they wrong keeping my money? Can you please help me?
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

Dovenmuehle mortgage company claimed to mail a check from my escrow account to pay my taxes to XXXX XXXX on XX/XX/2021 The county never received payment and urged me to reach out to Dovenmuehle to remedy the situation. 

Dovenmuehle acknowledges that the check was never cashed by the county and is currently missing. Dovenmuehle refuses to remedy the situation after several calls and emails. I would like this check canceled and the funds refunded to me so I can get my taxes paid on my own.