davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (TX)

Requested credit line increase from XXXX XXXX XXXX on XX/XX/2023. 

It was denied. The reason provided in the letter : " Based on your credit lines with XXXX XXXX, your credit score isn't high enough for an increase. See the back of this letter for more details. '' Credit score shown : " XXXX Date : XXXXSource : Equifax Information Services XXXX The information is out-of-date and/or inaccurate and therefore, XXXX XXXX lacked sufficient basis to deny my request. 

My XXXX XXXX score is XXXX, based on a credit report from XXXX XXXX pulled XX/XX/2023. 

My XXXX XXXX score is XXXX, based on a credit report provided by XXXX XXXX XXXXXXXX XXXX XXXX, who recently approved an increase in my credit line due to my higher credit score. 

Clearly my credit score is high enough but for some reason, XXXX XXXX cherry picked the lowest score. It is unusual in light of the credit line increases granted by XXXX XXXX XXXX XXXX Bank ) XXXX XXXX should take the opportunity to review my request for a credit line increase based on current, not dated information. But when I called, I was not referred to any person who could give me a straight answer.
Consumer complaint received 2022-12-20
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

We bought solar panels through XXXX XXXX, and financed over $ XXXX through a loan bought by PenFed Credit Union ( XXXX was the solar company and XXXX was the initial lender ). We installed the XXXX solar panels in XXXX after several months of frustrating installation process, the panels were finally operational in XXXX of XXXX. We had to start paying the loan payments then. We were initially sold one type of panel and then told they couldn't get that one and were giving us a better producing panel type instead. We've had challenges ever since. it started with a leak in a our roof caused by them putting a nail hole in the roof during installation and not covering it. it leaked through and caused damage to our ceiling as well. XXXX was terrible to get help and we had to try to work through our sales person XXXX. XXXX finally came, admitted the problem the roof and said they would send someone to fix ceiling, then wrote a report stating it was was caused by us and not them to get out of fixing ceiling. Customer Serv refused to help us and we had to again work sales person for months. Then in XXXX XXXXXXXX  we started getting large electic bills, and called both customer service and our Sales Person and got no help for months. We kept gettting larger bills and finally got someone to respond to us in XXXX, but no one could come service until XX/XX/XXXX. Unbelievable!. So another month went by. When the Service came finally, 29 inverters of 34 panels had never worked. He supposedly fixed them all and we can see ( from the app that tracks working panels ) that they are still not working today. Plus we are out months of electric bill money we had to pay on top of our $ XXXX loan for this piece of XXXX  and no one will help us. we called again today and they claim they don't have the parts, after their service guy lied and said he fixed them all. We need this fixed now and we need our lost money ( {$720.00} ) for electricity for all of the lost solar, which was promised in the contract. No one will respond to us. We've had to continue paying our loan payments for a product that has never worked for which PenFed financed. We are not getting any help from the company and can not cancel the loan or stop paying it to avoid having credit issues. This is predatory. The lender is doing business with a company who is selling non-working products to the public and then we are stuck paying the credit to avoid having our credit impacted. And we then still have electric bills, have had our house damaged, and no reimbursement at all!
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MS)

My name is XXXX XXXX, and I am reaching out to file a complaint against PayPal Inc. regarding the unlawful suspension of my account and a six-month restriction on my funds access. This action by PayPal has caused me significant financial inconvenience. 

Since the suspension of my account, I have been unable to access {$900.00}, which rightfully belongs to me. I have carefully reviewed all the PayPal terms and conditions and am confident that I have not violated any of them. Despite my numerous attempts to contact PayPal to resolve this issue, I have not been provided with any explanation or support. 

This action by PayPal has severely complicated my financial situation as I was relying on these funds for my daily expenses and commitments. Being denied access to my own money without any lawful justification is unacceptable and demands immediate intervention. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and assist me in regaining access to my account and funds. I also request an investigation into PayPal 's practices to prevent similar incidents with other customers in the future. 
my paypal email adress XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account XXXX XXXX  XXXXXXXX XXXX Date of first delinquency is missing? delete this account violation of fcra and fcdpa.
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (MS)

I have an account with  XXXX  's. I was fired from my job last  XXXX  and things has n't been easy. I started receiving unemployment. Earlier this year I started failing to make my payments on the due date butwould set up an automatic pre dated withdrawl when the unemployment cleared. I 've received numerous calls in  one d ay the most I 've counted  was 12 t he earliest time I was called was at  XXXX   XXXX   XXXX   I have my phone records. The calls are harassing on sat morning I received a call from a representative who was rude and used abusive language. Her name was  XXXX . After I explained  XXXX  her about the unemployment she said do n't you have a spouse borrow the money from him or somebody. How are you paying your bills? Do you have money now? How much? I do n't expect sympathy for life occurences and could easily let it go  XXXX  collections and on my credit report ; however, I tried to work with them n hopes that they would work with my payments being late vs no payment at all. I refuse to be disrespected and harassed. I received  15 ca lls yesterday. To constantly call someone phone every hour is insane. That will not make you get money any quicker.
Consumer complaint received 2023-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

When I checked my credit report, I had a negative mark that stated I owed {$1000.00}. to XXXXXXXX XXXX. The dates shown for services was in XXXX of XXXX or XXXX. I have always had medical insurance through XXXX XXXX and only go to XXXX XXXX when I go to a doctor or hospital. I tried talking to an associate from RashCurtis and didn't get anywhere with them, as they refused to communicate if I didn't provide all my personal information over the phone. The amount keeps going up and bringing my credit down. I tried to dispute this through the credit bureau only to have them say it was proven to be mine. When I try to communicate with them to find out how they came to this decision I get nothing in return.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (PA)

On XX/XX/, my final loan payment in the amount of {$88.00} was paid in full and on time as requested by Westlake Portfolio Management. I did not receive any correspondence after the final payment was made. 
In XX/XX/, I received a notification from XXXX XXXX, that my Westlake Portfolio Account was 90 days past due with a balance of {$4.00}. I immediately contacted Westlake Portfolio Management and advised that per their billing system, my final payment was {$88.00} and that I had already paid that balance, the customer service rep disagreed with me and advised that I owed an additional {$4.00}. I then demanded a detailed payment history, which was emailed to me on XX/XX/ XXXX XXXX from Westlake Portfolio Management. The payment history also states that my balance is {$0.00}. 
As of today, Westlake Portfolio Management is now incorrectly reflecting as a charge-off, with a past due balance of {$1400.00}, on my XXXX, XXXX, and XXXX reports. XXXX and XXXX are also reflecting an incorrect payment history ; XX/XX/ reflects as paid on time, then XX/XX/ is reflecting 90 days past due. According to all information listed above, my consumer rights were violated. After several unsuccessful disputes with the credit reporting agencies, I am asking that Westlake Portfolio Management, XXXX, XXXX, and XXXX, be investigated.
Consumer complaint received 2024-03-15
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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc. (NC)

In accordance with a fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end customer credit plan as late in any purpose
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (TX)

XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan Number XXXX PHH Mortgage Services Escalations Department 1 Mortgage XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX XXXX XXXX, We are submitting a application for mortgage assistance per our instructions from the customer service representative. We applied for mortgage assistance last year and was granted a trial modification without any supporting information. After requesting not receiving supporting information PHH set an appointment for us to discuss the details with our escalations manager XXXX XXXX XXXX, which we were told upon scheduling the meeting XXXX would provide. We were left without the information we needed to move forward and we are still trying to receive the missing information. Although we scheduled time with XXXX she was not available and the representative that called instead of XXXX had absolutely no information to share with us. We have been fighting to maintain our property, we have carefully submitted the information requested by PHH in a timely manner. 
My hardship started during the banking collapse in XXXX I have struggled to gain adequate employment. My employment difficulties has place a huge burden on me and my family. I have secured my insurance license and agency with earn potential to meet my obligations as I once did prior to my misfortune. 
In closing, we are asking for mortgage assistance however that looks, after reading options from PHH we are 100 percent positive that given an opportunity we can meet our responsibilities moving forward, creating a winning solution for both parties. Time is of the essence there is a sale date of XX/XX/XXXX. We are asking that you work with us to salvage this damaged account. If there is any additional information needed please do not hesitate to contact us. 

Genuinely, XXXX & XXXX XXXX C.C. CFPB C.C. HUD
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

This company continues to XXXX  computerized investigation of my disputes accounts that i requested to do a full verification and show me proof but this contine comtinue to violate my consumer rights under the FCRA laws. 15USC 1681b you are obligated to provide me with this information as long as it is requested for a permissible purpose under the law.
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XX/XX/XXXX
Consumer complaint received 2023-09-18
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: TOYOTA MOTOR CREDIT CORPORATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2017-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

I previously filed a claim  - Complaint  ID  XXXX   XXXX / XXXX / XXXX . My explanation was presented by the company with much distortion. I have repeatedly asked for a copy of Gov't payments to my account -- '' If your new monthly payment isnt large enough to pay the accruing interest on subsidized portion of your direct loan, the Federal government will pay it for you for a period of up to but no more tha n three consecutive years once you begin your Income  Based Repayment program. This is  XXXX  of the many forgiveness aspects  that Federal Student Loans offer. '' This has not occurr ed ... I am on t he Income Bas ed Repayment plan and my loans are increasing tremendously ... I am now owing  XXXX  figures ...     I do not understand how the loan supposed to be paid of in 25 years ... I will be owing over  1 million dol lars. Please escalate this complaint to legal office and/or provide me names of attorneys and or an agency above cfpb. " If over the lifetime of this loan, you make  300 q ualified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legall y discharged. ''  How will this loan ever get paid off under this plan. I am paying my interest but it is increasing at an accelerated rate.        Plan in cludes a 20 year forgiveness for new borrowers that took their loans out after  XXXX   XXXX   XXXX , or 25 years if the loans were taken before that date. The lifetime of an Income Bas ed Repayment Loan i s considered to be no more than 25 years. If over the lifetime of this loan, you m ake 300 qua lified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legally  discharged. However, this discharged a mount is considered taxable and must be paid for the year it was forgiven ; i.e . a loan discharged  in  XXXX  must be paid with other  XXXX   Income Taxe s due in  XXXX .   -- -- -- -- -- - Issues include : Estimated Interest Daily Interest Outstanding Principal Balance -- tremendous increase.     -- -- - I do not want to have my loans serviced under  Nelnet. I f eel as though it is too much fraud and no-one is trying to resolve my issue. Please escalate my issue to the agency above the cfpb and/or a contact person at the  Office of Inspector General. I will file a complaint their next. My account ne eds to be reconciled and properly handled. There are too many complaints regarding  XXXX  on the WEB. Please do an audit on my account.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

Several weeks ago I went to pay my mortgage through XXXX. The online system was down so I called the phone number, they told me " there was an incident '' and their system would be back the following day. It was not, so I waited a few days and tried again. Online was still down, so I called the number. I was met with a recording that said their customer service and billing departments were not available until a cyber attack situation was resolved and only incident response was available. Speaking to the incident response team, I was told they are not able to take any payments. Its now been a couple of weeks, and online payments is unavailable, calling to make a payment they tell me they can not accept any payments at this time. I told them I have 2 days left till I am late, and I need to make a payment, and they said they could not help me and that I would owe late fees if I was late. I told them I am trying to pay my mortgage, and they have no way to take my payment why would I have to pay a late fee and take a hit on my credit. I was told this was my problem not theirs, and they would accept a payment if they could, but they can not. So I will have to deal with the repercussions because they are hacked and can not accept payments? I do not understand how this is legal. I just want to pay my bill, and they will not let me because they are hacked?? I have to pay fines because they cant take my payment? This is not OK, it should not be legal.