davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (LA)

I have requested this debt be validated numerous times as it does not belong to me. I also provided a police report and was never provided any proof nor was this account removed upon my request. My attorney would like to pursue arbitration since the company is refusing to remove the account after countless attempts on my own have been overlooked. This has caused undue stress and has affected my life tremendously.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (FL)

I REQUESTED DOCUMENTS FROM XXXX XXXX XXXXXXXX AND WHAT METHOD WAS USED TO VERIFY MY ACCOUNTS. THEY NEVER PROVIDED ANY PROOF. THE ACCOUNT IS INACCURRATE AND ITS NOT REPORTING THE RIGHT BALANCE ON XXXX AND XXXX. THE DATE OPEN AND DATE OF LAST ACTIVITY ARE INACURRATE AND BALANCES ARE DIFFERENT. I HAVE SECURITY CREDIT REPORTING IN ACCURATE ON XXXX, XXXX, XXXX. DATE OPEN DATE OF LAST ACTIVITY. THIS IS A COLLECTION ACCOUNT. I HAVE ASKED FOR PROOF OF THIS ACCOUNT AND HOW IT WAS VERIFIED THEY NEVER SENT ME ANYTHING ON HOW IT WAS VERIFIED. THIS ACCOUNT IS REPORTING ON XXXX TWICE. XXXX XXXX XXXX IS REPORTING INACCURRATE DATE OF LAST ACTIVITY AND DATE OPEN. THEY NEVER SEND ANY DOCUMENTS ON HOW IT WAS VERIFIED. XXXX XXXX IS REPORTING INACCURRATE BALANCES AND DATE OPEN. THEY NEVER SEND OVER HOW THEY VERIFIED THE ACCOUNT. PLEASE HELP ME RESOLVE THIS MATTER.
Consumer complaint received 2024-10-14
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: World Omni Financial Corp. (GA)

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( SHOULD NOT HAVE A BALANCE REPORTING ) XXXX Account Type : Installment I Account Type - Detail : Auto Loan Bureau Code : Individual In Account Status : Closed Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$17000.00} No. of Months ( terms ) : 72 High Credit : {$37000.00} {$37000.00} {$37000.00} Credit Limit : Past Due : {$1800.00} Payment Status : Late 30 Days Late 30 Days Repossession Last Reported : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Comments : Closed Customer disputed account - reported by subscriber. 
Involuntary Repossession Auto : reported by grantor XXXX, XXXX and XXXX is a financial institution by definition under that title. 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked. 15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CO)

I opened a home depot credit card on a buy now pay later purchase. My credit want from Very Good ( which it always has been ) to Good. Can you help me fix this? As you will see from my history ; I have nearly always had perfect credit. Thanks.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (DC)

My wife lost her job and we applied for a mortgage modification. We made the XXXX months of payments and were given the final mortgage modification agreement to sign. My wife since losing her job took a job with XXXX XXXX XXXX in XXXX XXXX. 

PHH states that they can only accept notarized paper signatures I submitted a document with notarized e-signatures and was told that I would have to have my wife mail a document from the village she is in to the US to get this modification accepted.
Consumer complaint received 2024-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (TX)

The servicing of our mortgage was transferred to Newrez LLC on XX/XX/2023. They sent numerous emails and letters in the mail letting us know who they were and that we would be able to log in to our account and have full access, just like we were able to do with our previous mortgage company, XXXX. Every single letter and email we were sent told us we would have full access to our information and be able to pay our bill online. 
Since then, we have been able to log in to our account, but the pages don't load and error messages pop up every time we try to click the link to pay our mortgage, or view documents. I can't view anything on their site pertaining to my account. I contacted the company in XXXX to let them know about the issues and they said to give it a week and if it kept happening they would transfer me to their IT department. It doesn't make any sense for me to be transferred to their IT department when the error has to do with THEIR site. In XXXX, I emailed to inform them again about their website not working and I never received a response. 
Last month, I was able to log in and actually pay the mortgage through their website, but now I'm not able to. They also sent me emails and text messages that my tax documents are available online, but when I log in, they aren't there and more error messages pop up. I have tried multiple times to access this important information. 
This is so incredibly frustrating. If they can't do something as simple as make their website work for their customers, then they should not have acquired so many new accounts. It is a huge disservice to their customers when we can't even view our own account details, or print out our tax information to file our taxes.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

I deposited a check of {$27000.00} from XXXX XXXX in late XXXX, into my Chase bank account. They verified the check in 2 days and then let me spend money out of the check multiple times. One day they randomly decided to lock my account and permanently close the accounts, both my savings and checking accounts. They gave me the checking account balance in cash at my local branch. The savings account was too high so they said I had to wait for a cashiers check in the mail after XXXX business days and that they would over night ship the check after the 10 days. Weeks go by and I didnt receive my funds. I then called chase bank and they said they suspended the funds because they are unable to verify where the check is from. I then asked for a Supervisor his name was XXXX, I provided him with the number of XXXX XXXX where he called and said he was able to complete the verification and then told me to call back Monday for an update on my funds being sent out to me. Monday came, today and they are saying they can not use the ( XXXX ) number to verify my check through XXXX XXXX and to get a different phone number from them, but the number they provided me with is their company direct line. Multiple supervisors keep telling me to ask XXXX for a different phone number but it is literally impossible when this is their company number. Another supervisor said he found a number to contact them but he can only call twice and if they dont answer we will no longer be able to move forward. Also saying they will hold the suspended funds of {$13000.00} for 2 years and then the funds will be returned to sender. This is every dollar I have to my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will not be able to pay XXXX, take care of my baby, or get her to appointments without any money. It is literally impossible to live with {$0.00}. This is not the first time chase has tried to hold money from me. I urgently need help. Please.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

debt forgiveness due to XXXX a XXXX does not begin on the date of its award... 

Veterans are put through years of struggle, extreme poverty, homelessness while waiting for their cases to be determined. 

i put in for my total and perminent XXXX in XXXX... i was awarded XXXX  % XXXX in XXXX. Some veterans wait even longer Companies and reporting agenies file reports that destroy a veterans credit while they endure the long wait for a decision to be made. They are held to a standard that they can not maintain due to XXXX  and XXXX  XXXX. They are punished for not being perfect. 

In the end they are awarded and declared XXXX... the award is often backdated to compensate and recogognize the duration of that veterans XXXX. 
Their debt is discharged but the veteran is not made whole. 
Companies dischrge the debt but not the ledger. They continue to report negatively and cause the veteran great harm. they continue to be held to the standard of perfection as their XXXX are ignored Discharge of debt due to XXXX should reflect the entirety of the veterans XXXX... 
If the debt is truly discharged... the ledger or payment history should be too A Company that continues to file negative reports against a veteran after they have dicharged the debt should be held liable for the damage they are doing the veteran should be made whole why is this abuse allowed?
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Waypoint Resource Group, LLC (VA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NY)

In this ongoing dispute, PayPal, the originating company of the fraudulent charge, has consistently denied the existence of the unauthorized transactions and has shown reluctance in assisting in the recovery of the stolen funds. Despite persistent efforts spanning over four months, which included numerous phone calls and emails, PayPal has failed to acknowledge their responsibility in the matter. 

I have diligently provided PayPal with transaction ID numbers and the email address of the vendor associated with the unauthorized charges. However, instead of addressing the issue directly, PayPal continues to evade responsibility and refuses to take appropriate action to rectify the situation. 

Furthermore, my bank has reiterated that only PayPal has the authority to resolve this issue. Despite this, PayPal persists in their refusal to cooperate, leaving me in a frustrating and untenable position. 

This persistent denial and lack of cooperation from PayPal not only exacerbate the financial burden caused by the fraudulent charges but also undermine trust in their services. It is imperative that PayPal acknowledges their role in this matter and takes immediate steps to facilitate the return of the stolen funds.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION (SC)

I disputed a charge for {$66.00} as I never received the merchandise and when I tried to contact the merchant, neither the phone number provided in their confirmation email were valid, I tried since LAST year to get this resolved with Pen Fed and they just told me it was valid and kept the charge on my account. Even after I told them this information. They never provided me any documentation as to why they deemed it valid.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I was late on my payment, however not 30 days and they put a 30 day late mark on my credit reports and I really need this fixed. If I was 30 days late, which I do not believe I was it is due to their website being wrong and I have screenshots proof. On XX/XX/year> I made a double payment and the late fee plus a little more in the amount of {$1900.00}. Then it stated my next payment due is XX/XX/year> in the amount of {$940.00}. If on XX/XX/year> I caught up and the payments are due on the XXXX, then I was about 16 days late, not 30. If it allows I will attach the screenshots, but otherwise just reach out for what I have. I tried to contact the company, but could not wait on hold as long as I was due to having to work and their hours of operation. Please help clear up the 30 day late mark on all 3 credit bureaus. The company is XXXX XXXX XXXX. 
Thank you
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

I previously had an account with State Employee Credit Union. the account was charged of as bad debt. however no 1099c was ever provided to me and the account is listed don my credit report as charge off 14 months in a row a charge off only happens once and the balance should have been zeroed out when it was sen to that recollection company that they sent it to to collect on me who then threatened to take me to court and garnish my wages for the debt that is already being inaccurately reported, please delete as the company is committing fraud by showing it was a charge off and showing it still has a balance and showing charge of XXXX times.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

After the breach in 2012, I froze all of my credit reports including Experian. Now I need to unfreeze my Experian account so it can be visible to creditors who want to look at my credit. 

But I am unable to log in to using my existing username and password. 

When I request a new password on the Experian website, I am allowed to enter a new password. Then the Experian website forces me into a " new customer '' flow where I am supposed to sign up for an Experian Membership. There are no other options on the page ( dark pattern ). 

So I click the " create account '' button ( at this point I will pay for a stupid Experian membership if it means I will get access to my account ). 

Surprise - I receive an internal server error that says " We have encountered an internal system error. Please note that your order has been canceled. Sorry about the inconvenience. Call us toll-free at XXXX. '' I have spent the last 4 days trying to call Experian at every phone number listed on the web, including the one above. I have called at every hour of the day during Experian business hours. 

EVERY call immediately dumps me into this voice flow : " You have 2 options for resolving a dispute '', which is obviously the wrong place to start a phone tree. You can request to go to the main menu, but none of the options are " Customer Service ''. And none of the options you select lead to a real person. Every option leads to the same lady telling you she will either 1 ) give you a URL for the website, or 2 ) read you the instructions for dealing with the issue via paper mail. 

fwiw, I had a similar problem with XXXX and XXXX. It appears that in the last 2 years since I logged in, XXXX and XXXX made changes to user accounts. However with those 2 credit agencies, I was immediately able to talk to a real person who resolved the log in problem in less than 5 minutes. Then I was able to unfreeze my account. 

Many creditors ( including one of my current credit cards ) use Experian. Right now I can not apply for anything with these creditors because I can not unfreeze my Experian account. 

It is beyond ridiculous that one can not reach a person at Experian to resolve a real, pressing problem.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am currently reviewing my Equifax Credit Report and there is an addresses reporting on my Equifax Credit Report that are not mine. 
Below is the address that i would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

I was denied credit because of my Experian credit score and the score in the notice showed it was more than XXXX points less than my other two scores. I went to Experian and tried to log into my account. I couldnt remember my user name so I selected Forgot user name. It took me to a screen to enter my birthday and social security number. When I did it said they didnt match. Theres no reason they wouldnt matchI double and triple checked. So, I then tried to create a new account ( I tried about ten times over two days ) and I kept getting an error and the message said Please try again later. 

After all that I tried to call them to tell them I couldnt access my information. All I got was a recording saying they can only put me through to an agent under a very few circumstances. I tried everything I could think of with the automated system. I said Fraud, and a few other similar terms to try to get an agent and it would not connect me to anyone. I also could not find an email address. 

This is causing me tremendous stress. I should be able to talk to this company, especially if theres a big problem with my report and suspected fraud. However, there is no way to speak to a human about fraud or helping me to create an account there. This is an organization thats had a data breach and if they are going to give out this kind of information, they should be available to speak to consumers. I have no way to fix this issue so Im appealing to you to see if I can get some help. 

I have attached the error I keep getting when trying to open an account. 

Thanks, XXXX XXXX
Consumer complaint received 2024-09-26
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. (FL)

Hello, I was shocked to know that my credit report has been improperly used, an application was done in my name and this company pulled up my credit report without my consent nor authorization, Neither I recognize this fraudulent inquiry nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX  {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023