davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Employers : XXXX XXXX XXXX
Consumer complaint received 2020-05-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (NV)

I was using the Western Union mobile application to perform a money transfer from my US account to my personal account in the XXXX. 

This is not the first time that I am using the mobile application. I am fully aware of all the fees that are associated with sending money. 

For my last transaction, I was charged with a transfer fee that I am NOT expecting. The regular transaction fee for a money transfer using a DEBIT account is {$2.00}. I know that I chose the right option of using a DEBIT card however, I was surprised that they charged me {$37.00} instead. This transfer fee is for a CREDIT card transaction. I have been using the same DEBIT card with this transaction and all the other past transactions that I did in the past. 

I tried reaching to their customer support and was able to communicate with 2 agents - the first agent and a direct supervisor. Both of them have the lines that it was me who are choosing the options on the app. On their system, they see it as a credit card transaction. They are right, I am the one choosing and I am 999 % sure that I chose the DEBIT card option. They are implying that it is my fault. If it was an honest mistake, then I would not bother doing all these types of complains to win my case. I know that I did the right options. The customer support gave me a dead end and did not offer any resolution. They don't want to say it directly but they are implying that it is my fault. I am only complaining about their transfer fee which is solely on their end. I am not even complaining about the actual money that was moved. I am disputing an amount that is on them but they are not doing or offering anything about it.
Consumer complaint received 2019-08-06
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. (TX)

the Consumer Credit sourcebook of the Financial Conduct Authority ( FCA ) which states one of the following rules Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm ( and not the customer ) to establish, as the case may be, that the customer is the correct person in relation to the debt or that the amount is the correct amount owed under the agreement. 7.14.4.. I  demand that the following account be verified or removed immediately : XXXX XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX   XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXXXXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX
Consumer complaint received 2019-08-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

Since I filled a Identity Theft report with the FTC and my local police department, all three credit bureaus have reported my credit history as inaccurate. On XX/XX/2019, I went online and requested my credit report from Experian because my request to obtain my credit report through XXXX XXXX XXXX XXXX   was denied. I was successful in obtaining my credit report online. Credit report # is XXXX. I saw several discrepancies and decided to go online to dispute the information. I was unsuccessful in disputing the information online. I was directing by Experian website to call XXXX to dispute information. On XX/XX/2019, I call the number that was listed and a female agent took my information and started asking questions regarding my dispute. I disputed information that was listed on the report that was printed. The agent stated more than once she didn't see certain information I was disputing. She didn't seem as if she wanted to correct anything I was disputing. After we went over everything, she gave me a new credit report # XXXX. I received the report in the mail on XX/XX/2019 and as of XX/XX/2019, everything we have went over still remains on my credit history. No investigation was ever made. The agent never corrected anything. There are many unknown inquiries on my report. There is information that has not been disputed or corrected. There is information that is not listed and should be. I have had many issues with the credit bureaus regarding my credit history since I filled an Identity Theft affidavit with the FTC. I have contacted the credit bureaus many times in making attempts to correct my information. It is possible that there is fraud involved. Experian has more than thirty inquiries posted to my credit history within the last two months. Major Credit Bureaus need to be monitored because they are also posing a risk for fraud.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

Equifax is willingly and knowingly, disobeying the credit laws at their own benefit and discretion. Equifax has remained to stand against my disputes requesting that they remove a fraudulent account and multiple inquiries. It has been months since i've first initiated a fraud dispute and i've gotten little to no responses with no verification or clarification how they can say the account and inquiries Equifax is keeping on is in fact undoubtedly mine. There's no way that they could have proved this during any type of investigation when i have never had any relationship with these creditors, i've never shared any personal info with these creditors or anything. I was never notified that these items were in anyway, somehow verified and i was never presented with any verification evidence. I was sent letters by both creditors in respondence to my disputes with their own verification departments, and the account creditor and the inquiry creditor, both deemed activities were fraudulent, not being my responsibility. I am just now sending these confirmation documents to Equifax through faxing and i am including CFPB to oversight this exchange online, so i can feel more confident that all will be done appropriately and correctly. I ask Equifax to do their jobs and remove these creditors from my credit profile immediately.
Consumer complaint received 2019-08-04
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc. (MA)

There are 2 related issues with this company ( collection/violation of Privacy ). I had an outstanding loan which I was told not to pay because the company had already written it off as Profit and loss ( meaning I should be receiving a tax form to include as income for my 2019 taxes and that I would need to just pay taxes on the remaining balance-the company had already taken the loss ). The issue with this particular company Central Portfolio Control starts on XXXX XXXX 2019. I received a call from my husband questioning an outstanding loan. My husband told me he just received a call from someone named XXXX looking for me. My husband said he told XXXX he had the wrong number and identified himself as my husband. My husband gave XXXX my number and told him to contact me directly. XXXX then told my husband that he had attempted to contact me ( I had no messages of such ) and then asked my husband if he was aware that I owed this loan. My husbands reply was that he was not aware because we maintain our own finances. Once I received this call I contacted XXXX and recorded the conversation ( which he was aware of ). XXXX admitted clearly what he said to my husband and said he did not violate any privacy rights because Massachusetts allows for collection agencies to speak with a spouse - I explained to XXXX this was incorrect. I then told XXXX this was something I was instructed not to pay as it was already written off as loss by the loan agency so I didn't understand how his company obtained the file. XXXX insisted he was correct and that the company was in their rights. I have spoken to him at least 3 times since and explained that I was filing a complaint with the XXXX, CFPB, and Atty General as was advised by my Financial Counselor. I continue to get messages at least once a week.
Consumer complaint received 2019-08-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (FL)

Having benefits that are granted to us, should be accessible at all times. The www.eppicard.com website is always down. Their customer service line at XXXX is always done, too. There is no way to activate the card. If you loose it, you can't get someone to replace it. There is even a website created against this company called : XXXX XXXX XXXX While it is useful because it has answers, the steps provided do not fix the problem. 

Eppicard is a fail as a company. I am unsure how any governing state in the U.S. can work with such a horrible company. Can we please get our funds? 

Eppicard 's website is always down. You can check and investigate yourself by checking history status at : XXXX XXXX XXXX It is beyond frustrating. No one will assist.
Consumer complaint received 2019-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques (CA)

I received a judicial summons on XX/XX/XXXX to appear in court on XX/XX/XXXX to collect a debt in the amount of {$11000.00}. I sent a letter to the court on XX/XX/XXXX acknowledging that I received the summons. I also made contact with the law firm Hunt & Henriques in an effort to settle the debt. I have now received a court order to garnish my wages beginning XX/XX/XXXX in the amount of 25 % bi-weekly. I never received any additional letters about garnishment of wages and this was sent before my chance to stand before a judge on my court date. XXXX XXXX is fraudulently trying to garnish my wages.
Consumer complaint received 2019-08-06
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (MD)

The company name is Williams & Fudge , INC . 
Ive been receive called from them, threatening me multiple times. I got tired, they told me that I owned {$8800.00}. 
They send me a letter to make payment right away. I dont have nothing to deal with this Company. Today XX/XX/2019. They tried to collect my personal information. Im afraid my personal identity is not safe.
Consumer complaint received 2019-08-06
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (NY)

When Sallie Mae broke off from Navient, I did not receive a notification that I was needed to renew my income-based payment plan. That notification is required by law. The company then capitalized the interest on my loans, costing me thousands of dollars.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

I was alerted by XXXX, XXXX  and XXXX  that the collection agency by the name of National Credit systems added a file to my XXXX XXXX in the amount of {$1100.00}. Since then I have disputed this account with XXXX, XXXX, XXXX, and National Credit system. I have requested Debt Validation on XX/XX/2019, XX/XX/2019, and most recently on XX/XX/2019. On XX/XX/2019 I requested a copy of a signed leased to prove debt validation through the XXXX XXXX XXXX, but received a statement of deposit with a hand written note saying I was evicted. National Credit Systems continues to report false information on my credit report and has caused my XXXX XXXX to diminish.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. NEGATIVE UNITS TO COME OFF : XXXX ( EACH BUREAU ) : TOTAL UNITS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

DEBT COLLECTOR : XXXX ADDRESS : XXXX XXXX XXXX. XXXX, FL XXXX PHONE : XXXX THIS COMPANY WAS ASSIGNED BY CREDITOR : XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX PRODUCT : XXXX THIS COMPANY IS CLAIMING THAT THEY SENT A COLLECTION BILL TO MY HOME ADDRESS ON XX/XX/XXXX FOR THE BILL FROM XXXX ( WHICH I AM COMPLETELY UNAWARE OF ). THIS COMPANY DID NOT MAKE ANY ATTEMPT TO COLLECT THIS DEBT WHICH WAS ONLY FOR {$59.00} AND NOW IT HAS AFFECTED MY CREDIT HISTORY FOR SOMETHING THAT I WOULD HAVE PAID REGARDLESS HOW MUCH WAS THE AMOUNT. I FOUND OUT ABOUT THIS CHARGE FROM MY CREDIT CARD COMPANY WHEN THEY INFORMED ME THAT THERE IS COLLECTION PENDING ON MY ACCOUNT. ERC NEVER MADE ANY GOOD FAITH ATTEMPT TO COLLECT THIS DEBT AND JUST REPORTED THIS TO CREDIT AGENCIES. 
I HAVE NOT HAD ANY DELINQUENT CHARGES ON MY CREDIT AND IF THIS COMPANY WOULD HAVE MADE AN ATTEMPT TO COLLECT THE CHARGES, I WOULD HAVE PAID FOR THEM. 
I PAID AMOUNT IN FULL AND REQUESTED THEM TO REMOVE THIS FROM CREDIT HISTORY AND ERC REFUSED TO DO THIS.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

I scheduled a appointment with XXXX XXXX XXXX XXXX at Keybank XXXX XXXX XXXX. To discuss my unemployment benefits account set up thru Dept of labor. I wait out side on line when I got in side at XX/XX/XXXX no one was there. I called numerous times only to get disconnected after waiting 2 hrs on hold each time. Finally I speak to a nice guy named  XXXX, I explain that I have {$6000.00}. in my checking account and requested my account number. He did not have access to my information. I have no Account number, no Debit card, no money. And in order to get a supervisor to call me back I have to pay a fee. My Unemployment benefits have been held hostage in KeyBank since XX/XX/2020.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I have been making payments to XXXX XXXX XXXX for about 2 and half years now and the majority of them have been paid online. I paid my XXXX mortgage payment onXX/XX/19 which was a Sunday at XXXX. XXXX XXXX  changed the way they process payments on the weekend, did not notify me of the change, and applied my payment as of XX/XX/19 and put a 30 day late on my credit report. I paid on XX/XX/XXXX not XX/XX/XXXX. I was not 30 days late. I provided proof showing the screen print of my payment along with their email confirmation of receipt of payment dated Sunday, XX/XX/2019 XXXX XXXX. XXXX XXXX refuses to take the 30 day late off my credit report. I've called them numerous times speaking to various people. More than one of their reps agreed that they recently changed the way they process payments. They now apply weekend payments the following business day and will put a 30 day late on your credit report even though you were not 30 days late. Again, they failed to notify me of this change in apply weekend payments the following business day and the fact still remains that I paid on XX/XX/XXXX not XX/XX/XXXX. My last call to XXXX XXXX Co was with their Customer Liaison on XX/XX/19 at XXXX. He stated they've done this to thousands of people and put the 30 days late on their credit reports too. I first notified XXXX XXXX   of their error on XX/XX/19 via email to XXXX. I received no response. I sent a second request for them to correct their error on XX/XX/19. No response to my either email. I was verbally told they would have a decision by XX/XX/19. It seriously does not take two weeks to look at this information. I calledXX/XX/19 and was told they declined to remove the 30 day late and was advised to file a dispute with the 3 credit bureaus so that department can review the complaint and decide what to do. They are clearly violating the Fair Credit Reporting Act when I paid them on XX/XX/19 not XX/XX/19. Here are the dates & times of my calls to XXXX XXXX XXXX trying to get them to review the proof of payment emailed to them and to remove the 30 day late from my credit report : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/XXXX XXXX XX/XX/2019XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (IL)

To my dismay I noticed an erroneous reportings on my XXXX credit bureau for myself, my Dad and my Mom for a fictitious .I called a representative at XXXX XXXX XXXX customer service number, she indeed confirmed this was an error and confirmed the following details : The loan was originally with Ditech Mortgage , it was scheduled to transfer to XXXX but never transferred because the truth of the matter is my Dad refinanced from Ditech in XXXX of 2019 with no delinquencies prior and neither me or my Mom were even on the loan when Ditech was the mortgagee. I dont know how my mom and I were even on Ditechs record. The loan NEVER hit your portfolio yet has been reported 120 days delinquent on all three of our credit bureaus!!! Which caused our credit rating to decline between 25-50 points each. I myself noticed this because I was in the process of applying for a loan and was denied! I have spent several hours calling and holding to speak with your company and representatives at the credit bureau to dispute this item on all of our credit bureaus. Such negligence should not have take place and it has cost us as consumers. The other thing that concerns me greatly is that, neither my Mom, Dad or I  never received any correspondence from XXXX, or Ditech about any mortgage transfer to our residence. Please remove this erroneous reporting from all credit bureaus for all parties involved immediately. I also confirmed on a secondary phone call to XXXX, they has now transferred said mortgage to another lender, they couldnt tell me who, that now has our personal information and shouldnt. XXXX is hindering our ability to get other lending transactions approved. I would like a letter mailed to each of us with resolution.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

Made a call to Heartland ECSI approx XX/XX/2020 regarding XXXX payment. Customer service Representative stated " contact must be made to the school attended. Made contact to XXXX main campus, voice message left student financial services on/around XX/XX/XXXX. 
XX/XX/2020 around XXXX XXXX. 
A returned call from XXXX XXXX Student financial Services ( The Bursars office ) Apologized for someone not returning the call sooner, stated ( left message on another department Voice-mail ). Made Mrs. XXXX I'm unable to comply with payment due to the current situation ( not -working ). Documents received to complete for processing for deferment. XX/XX/2020 Credit score dropped 38 points due to not responding in a timely manner. This  decreases my credit and creditworthiness.
Consumer complaint received 2020-05-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS
Consumer complaint received 2020-05-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Recently, I made a payment in the amount of {$810.00} for XXXX bill ( XX/XX/20 ).  Apparently, payment got rejected because of a blank check? I send out screenshots from my XXXX bank statement and as well a letter from my bank institution confirming that the payment went thru. Also, it reflects on the Rushmore Loan Management website that they took the payment but the system did not update because the check got rejected? Now when I am trying to make a payment for XXXX it still shows that the XXXX bill is still due and is charging me late fees. Their time response to this matter has been frustrating, specially for people who have been affected by COVID19. I have also received several letters claiming that checks that have been sent forward have been blank checks which I have resolved with my bank institution which I am sure there was a clerical or system error from my bank institution. The letters that have been sent has almost made me feel like a criminal. This has caused me severe XXXX  and XXXX in trying to resolve this matter. I really wish XXXX XXXX was still servicing my loan. Rushmore Loan Management has performed poorly in servicing my loan since it was taken over by them.
Consumer complaint received 2020-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OH)

I registered a PayPal account in XXXX. In the spring of XXXX I made many sales on XXXX  with funds going into my PayPal account. On XX/XX/XXXX I was notified by email from PayPal that my account had been permanently limited and that funds would be released for withdrawal in 180 days. 

On XX/XX/XXXX, PayPal made a withdrawal to itself of all funds in the account. {$7800.00} USD The last activity in the account prior to this was XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, the balance had been {$7800.00}. There was no explanation given and they will not communicate. 

On XX/XX/XXXX. 186 days after the limitation. I checked the account to see there was no balance, and discovered that PayPal had taken the funds in the account.