davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-29
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. (AR)

All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.
Consumer complaint received 2017-10-27
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. (GA)

I open opened this account XX/XX/XXXX while I was in the store checkout and the cashier stated she could get me approved for a credit card. I told her no several times but she insisted and I felt coerced into giving her my drivers license upon which she said it would not run against my credit. It would only be a soft pull she just wanted my ID to type in the name and my drivers license number. Well upon a pull of my credit report the hard pull was on my account! The instant approval and she put the items on the card, which was {$60.00}. I did n't get a statement that month of course because it was the end of the month and so I did n't receive a statement. I took it upon myself to go into the store and make a payment on my own XX/XX/XXXX for {$30.00} ( {$27.00} scheduled payment ) then on XX/XX/XXXX paid {$38.00} ( which would have paid off the entire debt ). I .. all payments were reported as paid. Until XX/XX/XXXX stating I was 30 days late, which is not true. 
On or about XX/XX/XXXX I called your customer service number to discuss this matter with no resolution, then again on XX/XX/XXXX when I spoke with XXXX who assisted me with obtaining the information to follow up to correct this error. I was assured it would be handled but when I disputed the entry on my credit report it said you verified the information to be accurate. If you look at the account you will see the reversal of late charges and my account is now also current and has a credited balance. 
Please make this correction so that it will not continue to adversely affect my family and me. This oversight and error has cost me harm and credit denial. This needs to be rectified immediately. I was told the account was to be paid on XX/XX/XXXX and payment was not credited until XX/XX/XXXX- though I received not payment for the month due to paying more. THAT IS NOT 30 DAYS late.. These erroneous late fees which have been reversed due to this error is what would have been late because I no longer owed money for any merchandise.
Consumer complaint received 2017-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Financial Resources, Inc. (MA)

I have seen on my credit report that I have two collection actions from First Financial Resources, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( Ph : ( XXXX ) XXXX ). Both collections were purportedly opened on XXXX. 

I never received any notification from this creditor that I had a debt in collection, and I certainly never received notice that I could dispute the debt. These are both required under the FDCPA. I was also never given a chance to request documents on which they are relying on to prove I owe the debt, required under the Massachusetts Debt Collection Practices Act ( XXXX C.M.R. XXXX ). 

I acknowledge that the underlying debt ( from an ambulance service ) is properly associated with me. However, I understood this to be a matter for my medical insurance, and did not realize that payment would be sought from me. I dispute that I owe this debt at all. 

Furthermore, my credit report indicates that, except for XXXX months during the period XXXX - XXXX, the debt was in collection. However, the detailed information states that there has been " no data '' sent to the credit agencies for any month during this period.
Consumer complaint received 2017-10-29
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. (NJ)

Filled out a dispute with equifax for almost all the accounts on my credit report. I had my social security card and license stolen some years ago and the people stole my identity and I was a victim of fraud. I tried to tell XXXX that these accounts were not mine but they lowered my credit score even more bc these were not paid. I demand that these be taken off my report or I will have no choice but to file a complaint in court against them.
Consumer complaint received 2017-10-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (AZ)

Sunday XXXX XXXX XXXX we noticed that {$5000.00} had been charged to our checking account at, BBVA Compass Bank, 2 days earlier. The Bank has no fraud department to report to weekends. Monday XXXX XXXX we went to the banks branch office and reported the fraud. They told us they did not handle such things! Instead they contacted the head office fraud department and we had to wait for 1 hour before anyone answered. Finally the fraudulent activity on our checking account was reported, the account itself closed and we opened a new account. At that time we asked when the we would have our money back in order to pay our upcoming bills. We were told when the investigation was done and that could take up to 10 business days. After 10 business days we contacted the fraud department again and we were told it can take up to 90 days or more. We know under Regulation E, the bank has to reimburse us in ten days but obviously they refuse with no further explanation. We have been clients with the bank for 12 years.
Consumer complaint received 2017-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I closed out my Capital One IRA, with a form detailing the external account info that the funds were to be transferred to. Capital One sent me a letter explaining that the IRA distribution was completed on XX/XX/XXXX. On XX/XX/XXXX the funds still had n't shown up in my account. I then made a series of calls to Capital One trying to locate my IRA funds. 
Problem # 1- Customers CAN NOT speak to anyone in the IRA ops dept, I was told this many times ( and quite forcefully ). 
Problem # 2-I was told that the funds had n't returned to Capital One, so there was no problem on their end. 
Problem # 3- I was told I would receive a call back by end of business on XX/XX/XXXX, did n't happen. 
Problem # 4- I was told I would receive a call back first thing on XX/XX/XXXX, did n't happen. 
Problem # 5- On the morning of XX/XX/XXXX I was told an investigation would be opened, on XX/XX/XXXX I was told no investigation was opened. 
Problem # 6- On XX/XX/XXXX a supervisor very rudely told me that she did n't know why I was promised calls back in those time periods, they do n't do that because things like this can take 24-48hrs or longer to solve. 
Problem # 7- The same supervisor told me repeatedly ( and forcefully ) that there was no trace ID. *All ACH transactions have a trace ID. 
So today I call Capital One again, the person I spoke to told me that my case was closed because " there was no trace ID ''. I was also told that my 2nd case was closed because my call back number, that I confirmed TWICE, was disconnected ( it is n't, it 's the same XXXX phone I 've made all these calls on. ) Now I call XXXX XXXX XXXX ( ending point for the funds ), explain the situation to them and Capital One 's unwillingness to help. Turns out there was a series of zeros that should n't have been in front of my account number on the ACH from Capital One, so XXXX returned the ACH to Capital One on XX/XX/XXXX, and XXXX gave me the trace ID for the ACH return. I give this info to Capital One, and their reply is " We do n't have the return, it can take 5 business days to process '', ACH is at most an overnight process.
Consumer complaint received 2017-10-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CO)

Hello, my mortgage was transferred from XXXX to Nationstar Mortgage on XXXX XXXX, XXXX in the amount of - {$140000.00} and escrow balance of {$1000.00}. I sold my property and closed on XXXX XXXX, XXXX and the payoff figure was {$140000.00}. Nationstar pulled a payment of {$1000.00} ( {$250.00} for escrow + {$820.00} for PI ) on XXXX XXXX, XXXX which would have been for XXXX, XXXX. According to the payoff statement from Nationstar, interest was calculated for XXXX XXXX to XXXX XXXX, XXXX. I received an escrow balance check of {$1300.00} XXXX {$1000.00} + {$250.00} ) and another check for a portion of overpaid amount, {$1200.00} XXXX I am not sure how this amount was calculated ). 
Not figuring any escrow balance refund ( since this is straight forward ), I have summed up the following : - {$140000.00} transferred loan {$820.00} payment for XXXX ( PI ) {$140000.00} wired payoff amount - {$350.00} overpaid interest ( since this loan was paid off on XXXX XXXX, I believe I overpaid interest amount of {$350.00} ( 20 days x {$17.00} per diem interest from payoff statement ). 
The net is {$1500.00} and I got a check for {$1200.00} ; so I am short by {$380.00}. 
I have called Nationstar ( now called Mr. Cooper ) and tried to resolve dispute but either they are not responsive or they disconnect the call without doing anything. I need help please in resolving this matter. Thanks. XXXX
Consumer complaint received 2017-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (FL)

I applied to PayPal Here Service provided by PayPal.com and I was denied. It is a credit card processing service. I called to inquire as why I was denied from using the service. 

The company stated that they could not provide the reason due to proprietary methods. I believe that credit decision or financial application system needs some oversight. If there is no transparent criteria then the company should not be offering the service or denying service. 

The basis of the denial may be bias or an illegal reason. 

Complaint about paypal.com From XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim of a severe form of XXXX XXXX XXXX under 22 U.S.C. {$7100.00} ( 11 ) or trafficking under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.
Consumer complaint received 2024-08-28
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. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BBVA FINANCIAL CORPORATION (CO)

We filed a XXXX back in XXXX or XXXX and did NOT have our XXXX or our XXXX mortgages included in the XXXX. The lawyer never sent us anything to let us know that we were going to re-affirm our mortgages, stay in the house and keep our payments on time, which we have. NEITHER XXXX XXXX XXXX # XXXX or Compass Bank ending in XXXX have been reporting our payments as being on time since then. Our credit scores have suffered because of this and prevented us from getting the lower interest rates on car loans, credit cards, etc. We did some research on the XXXX and found out that he got his licensed suspended at the time because of numerous complaints.
Consumer complaint received 2017-10-26
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: DISCOVER BANK (NJ)

XX/XX/XXXX, Discover make a hard inquiry for finance Institution Information Discover XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim of a severe form of XXXX XXXX XXXX  under 22 U.S.C. {$7100.00} ( 11 ) or XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.
Consumer complaint received 2017-10-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation (OH)

A company called XXXX XXXX XXXX keeps calling my home looking for someone i do not even know. I had explained to them that i had just received a new number from the phone company and that they now had the wrong number for the person they are looking for. The man on the phone called me a liar and they continue to call even after i told them not to call my home, and that they have the wrong number and that no one lives here by that name and that i dont know any person by that name they sill call over and over again!!!
Consumer complaint received 2017-10-25
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: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

INQUIRIES XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc. (TX)

I had an XXXX at XXXX XXXX in XXXX Texas which soon after I found out I had invasive XXXX XXXX and 3 months to live. I 've since then had 2 XXXX XXXX  to save my life, one just a week ago. After the XXXX there was a bill of {$790.00} around there and I spoke with them about what was going on. The lady at the desk asked me to drop off medical bills and other bills I had to see if they could dismiss the bill to help me. I dropped off what she needed, I ended up doing this 4 times as for some reason they did n't know where it was. Then I had my XXXXXXXX and have been unable to work or leave my home since XXXX in the fight against XXXX. A lady did call me while back and ask for the paperwork again, I told her I had turned them in 4 times and if there was a problem to let me know because my fear was they would just turn it over to collection and my credit would be affected. She said that she would look into it and get back to me that would n't happen. I never heard back, so I honestly was just trying to deal with all my XXXX and fighting my XXXX. Today I got a notice from my credit reporting agency that the bill was turned over to a collection and was on my credit report. I called them right away, and the lady I spoke with was rude, could care less if I had XXXX or was sick, she was so insensitive to everything that was going on. I told her what I knew and what I was told, she said that they denied my relief of the bill and it was with collection now to deal with them. I told her this is what I was so worried about happening and now even if I tried to get a loan to pay it my credit is trashed by this. I told her no one contacted me by letter or phone call. Not once! I wanted it removed from collection and give me a chance to pay this as I would have found a way. She said no deal with the collection agency. Cold, disrespectful to my situation which has been very upsetting now, when I 'm trying to heal. I 've filed a claim with the BBB in Texas. If they felt this was so serious of an issue all they had to do was call me, as I received no further calls or letters from them. I would think a warning a certified letter asking for payment would have been made. No straight to collections and on my credit report. I need your assistance please with this matter and would like the option to make payments and it removed from collection and my credit report. I will contact an attorney if it has to be done that way, but would just like them to understand where I am and some compassion would be appreciated please. Thank you
Consumer complaint received 2017-10-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I recently transferred my loans to XXXX XXXX, also known as the Pennsylvania Higher Education Assistance Agency, because I wished to have loan forgiveness through the XXXX XXXX XXXX XXXX program. When I completed the program application, I was told by The US Department of Education that I would receive notice directly from XXXX XXXX in regards to when I should make my first payment to the new servicer. In anticipation of the notice and upon receipt of an email I received from the lender on XXXX/XXXX/XXXX stating my loans were " in the process of transferring, '' I created an online account on XXXX/XXXX/XXXX through XXXX  in order to receive notices and approve paperless billing ( confirmation received ).  However, I noticed upon signing up and signing into my account that my loans were already " Delinquent. '' I remitted a payment immediately in the amount shown as " past due '' on the homepage in the amount of {$230.00}. I then received a letter by mail on XXXX/XXXX/XXXX, postmarked XXXX/XXXX/XXXX, from XXXX stating that I was still delinquent on my loans. It was the first correspondence I received from the loan servicer and was not consistent with the payments made online. On XXXX/XXXX/XXXX, I signed into XXXX account online again and noticed the website now said I was " Delinquent '' again, whereas, my payment was " 16 days late ''. Therefore, On XXXX I called XXXX XXXX by phone and spoke with Customer Service Agent # XXXX at XXXX who reiterated that my payment was 16 days late ( pre-dating my notice from the lender by email stating the loans were " transferring '' ) and now my payment was due as of XXXX XXXX, XXXX. XXXX XXXX is not proving accurate loan information. Their lack of communication is causing negative crediting information, thus affecting the credit score and financial output of their customers like me. They should have their business license revoked for predatory financial practices. I will scan my postmarked envelopes and email communications from this lender. Please help to rectify the issues with this company.
Consumer complaint received 2017-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

on or about XXXX/XXXX/XXXX I went to annual credit reports to get my XXXX credit bureaus. XXXX of the XXXX sources would not give me the report by internet ( XXXX XXXX Trans Union. ) Trans Union mailed me a letter on XXXX/XXXX/XXXX that said my file was suppressed and I had to call them. on XXXX/XXXX/XXXX I called Trans union at XXXX and spoke to XXXX different agents finally talking to a XXXX XXXX? who stated that someone suppressed my file as a minor and that I would need to send them proof of copies ID and Social Security card to get the file unsuppressed. I objected and asked who placed the hold and she would not tell me who suppressed the file I again asked for a copy of my unsuppressed file to be mailed as I already answered all the security questions that she requested and she refused again stating that I must sent the Id and S.S. card which I refused to send in the mail. I do not think that I need to comply with the request of my social security card be mailed to them to unfreeze my file as this further compromises my information and does not comply with FDCRA. there policy of hard copies is above and beyond what is required to access this information. I have complied with all requirements by phone to satisfy verification of identity and anymore more proof is not needed.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.