davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
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: EQUIFAX, INC. (KY)

Im beyond frustrated. I have been trying to log into my.equifax.com to get my credit score and my credit report that Im entitled to. Unfortunately equifax wont let me see my credit report, or even dispute online or anything. I have contacted the customer service number and talked to numerous people who always say they are going to escalate it to the technical team. I talked to supervisors still unable to help me. As a consumer I have the right to see whats on my report. I even tried to order my credit report through my annual credit report and equifax wasnt able to fill the request. I then tried to purchase through another company XXXX and once again I couldnt get my credit report only from equifax. I then talked to XXXX customer service and they said Equifax has something going on with my file which is preventing others from accessing it. I tried to get the XXXX XXXX report from XXXX and once again Equifax is the only bureau that isnt working. This issue has been going on for well over a month. Im able to log into my Equifax account and I can see my credit score but I cant see whats on my file. If this doesnt get resolved I will have no choice but to get a lawyer and file a lawsuit against Equifax . Not only is this affecting my score, this is affecting my personal life, myself and my children. Because of Equifax Im not able to apply or get approved for anything due to not being able to access my files for others or myself. Fix this immediately before I proceed with the lawsuit.
Consumer complaint received 2023-12-10
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: WELLS FARGO & COMPANY (TX)

My card was lost and unauthorized purchases were made with my Wells Fargo card. 

I called Wells Fargo to dispute the charge they gave me credit while they did there investigation and days later denied my dispute and took my money out my account The amount of {$3300.00} dollars were taken from me on the date XX/XX/2023 I kept trying to dispute the charges with Wells Fargo but they denied me every time
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The high balance, date reported, date last active, closed date, and date of last payment is NOT 100 % accurate. 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 XXXX XXXX XXXX XXXX XXXX  They did not modify 100 % or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.
Consumer complaint received 2024-04-12
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. (MO)

I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and 12 CFR Part 1022 Regulation V, I request that you provide me with physical evidence. I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED 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 2023-12-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

I hope this message finds you well. I am writing to you regarding a concerning issue with my PayPal account.

I recently discovered that my PayPal account has been permanently restricted without any apparent reason. I have attempted to contact them multiple times via phone to understand the grounds for this restriction and to request the restoration of my account.

Regrettably, despite my numerous calls, I have not received a clear explanation for the restriction, and no measures have been taken to reinstate access to my account. What adds to my concern is that funds have been deducted from my PayPal account without any apparent justification or authorization from my end.

I want to emphasize that I am a responsible user of Paypal 's services and have not violated any of the terms outlined in PayPal 's user agreement. Consequently, I am unable to carry out normal transactions, and I am facing financial losses due to this unjustified restriction.

I hereby request your immediate intervention to resolve this situation. I expect a detailed explanation for the restriction of my account, as well as concrete steps for its full restoration.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-07
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my right. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-08-30
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. (GA)

I reached out to transunion twice in the XXXX and XXXX to have inquiries removed from my report. I have been a victim of fraud. I have an active alert on transunion. No one should be able to run my credit for any reason without a password. Also all inquiries that are not connected to active accounts do not belong to me. I would like to have these inquiries removed. They should have never been in my credit. 
Transunion has not cooperated with me in getting anything removed.
Consumer complaint received 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (GA)

On XX/XX/23 I mailed in remittance coupon payment with instructions and laws permitting. XX/XX/23 I emailed to complaint and billing error dept and resolution dept cc. To CFO, proof of payment 2days before due date. In between I spoke with over 9 employees who saw and said the coupons were endorsed correctly. Payment was not accepted. After I sent a {$25.00} debit to stay in honor. Billing Error email on XXXX email to resolution dept, notice of Securities fraud and willful non XXXX notice of violation, with questions of am I committing fraud or crime paying by remittance coupon, no response XX/XX/23 email to Avant credicards @ Avant, no response. Also mailed out full payment directly to CFO, and emailed proof of payment to Billing error department. XX/XX/23 follow up and was told to send to resolution dept. XX/XX/23 sent copy of payment and letter to CFO to resolution department. Transfered over to payment department I was advised that Avant does not accept remittance coupon nor negotiable instruments, I'm which ALL FORMS OF PAYMENT to discharge or sett off debt is and are negotiable instruments including cash, debit checks and money orders. Also while in billing error dispute attempts to collect debt or the reporting of the account should not happen until the dispute is finalized which Avant said they do not honor. Negotiable Instruments. UCC 3-603 : UCC 3-104 Tender of payment : Bill of exchange Act section 16, form and interpretation of Bill : Federal Reserve Act section 16 notes issued , 18 USC 8 obligation or other security of the United States defined. Are just some of the Acts and codes Avant has refused to adhere to which is a detriment to my mental well-being and future consumer abilities to transact honorably. This refusal is a damage to my reputation and discrimination for operating pursuant to U.S.goverment.
Consumer complaint received 2023-12-09
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (NJ)

Discover Bank issued a lawsuit through XXXX XXXX XXXX when I defaulted on a loan account. The promissory note signed between Discover and myself mandates an arbitration clause that reads If either you or we elect arbitration, neither you nor we shall have the right to litigate that claim in court. Discover is violating this binding promissory agreement by litigating when I have elected arbitration in this case. The attached promissory note also outlines that the arbitration provision survives termination of the loan and any legal proceedings by us to collect a debt owed by you.
Consumer complaint received 2023-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

My student loan portal on Nelnet.com shows that I have made no attempts to pay them once loans resumed repayment in XX/XX/XXXX. I have made numerous attempts starting in XXXX to repay my student loans. I first tried doing so by setting up XXXX XXXX. I received an email shortly thereafter in XXXX citing the payment did not go through due to insufficient funds. I determined this was not the case after reviewing my bank account ; Nelnet never tried to pull the funds from my bank at all. I have since attempted to make payments via the website and by telephone. In both instances I received a confirmation as recently as XX/XX/XXXX that my payment was entered in their system. It is now XXXX and Nelnet is now contacting me again saying I am past due. As far as I can tell I have no way to submit payments to them that will actually be recorded in the system. This jeopardizes any forgiveness I might receive for making consistent payments.
Consumer complaint received 2023-10-03
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received an alert on my Transunion credit report from a creditor XXXX XXXX XXXX. I have never opened any account with XXXX XXXX XXXX I went to the police station and reported my identity stolen.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (GA)

On XX/XX/2023, Transworld System Inc. popped up on credit report as a collection account with a late payment. I do not and have never had an account with them. Also, I do not have any scheduled payments with them so how could they report a late payment. This fraudulent account and unfair practice is in direct violation of fcra. Please assist me with removing this fraudulent account from my credit profile.
Consumer complaint received 2023-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc. (TX)

NATIONWIDE CREDIT & CO has reported that I owe money for a medical debt. I was never informed I owed anyone ( medical practitioner or facility ) for this debt or given an opportunity to review what is being billed for or even the medical notes that can justify this billing. I have disputed this with the credit reporting agency, but they say it is valid. I can not get anyone to give me records of what or who this is for.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

I Have addresses Reporting to my lexisnexis report that are INACCURATE my correct name and address is XXXX XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX. I request that the following names, birthdays and addresses associated with XXXX be deleted from my Lexisnexis report XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX  XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Birthdays : XXXX
Consumer complaint received 2023-12-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XX/XX/XXXX, I contacted Bank of America to initiate a partial transfer request for a security position held at another institution ( XXXX XXXX ). Bank of America sent me a form to complete, which I did complete a submitted. After not hearing from Bank of America for several weeks, I contacted them to inquire about the status. Bank of America instructed me they sent me, and I submitted the incorrect form, and the mailed me a different form to complete. Upon receipt of the form sent by mail, I completed it accordingly requesting a partial transfer of the same security. The form appeared to require notary signature. I took the form to the local branch in order to have it notarized, with the intention of mailing it back accordingly. At the branch a bank representative stated a notary was not required, and that they could handle submission of the request at that time. I instructed the representative to ensure that the form was completed accurately to initiate a partial transfer of the respective security as I did not want the account at XXXX XXXX to be closed. He stated that it would be handled accordingly. After leaving the branch I recieved an email confirmation that same afternoon ( XX/XX/XXXX ) that the transfer was initiated as a Entire Account Transfer transfer type and that they expected to have it completed by XX/XX/XXXX. I returned to the branch that same day to instruct the branch representative that it was incorrect, and to either request modification or have it cancelled. I was told Id have to wait until it was completed. 

Upon notification that the respective incorrect transfer had been completed I contacted Bank of America to correct the the issue, I was told by the representative that the form they have on file instructed them to execute a full transfer. I stated that was incorrect, as the form I completed and signed, specifically section XXXX, was checked marked for Partial Transfer. At that time I requested a copy of the respective form they have on file, which was told I could view in my secure vault within my respective account online. The respective form is not in the secure vault within my respective account. The form I have explicitly instructed for a partial transfer The representative stated I would need to contact the sending institution in order to request the ACAT transfer be reversed. 

I followed up with several subsequent phone calls with both institutions, with the last call being w/ Bank of America where I was instructed to initiate a XXXX XXXX XXXX order to have the problem investigated and reconciled. I requested that a XXXX XXXX be initiated on that phone call and the representative stated he had initiated it and they would follow-up with me within XXXX hours. I have heard nothing back since, and the issue has not been resolved.
Consumer complaint received 2023-12-09
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP (GA)

My employer UPS states they sent the direct deposit to be paid XX/XX/XXXX. However, US Bank is stating they do not hold funds & they can't see pending direct deposits. On XX/XX/XXXX I called & was hung up on the XXXX time for being nice around XXXX. The XXXX time they ( XXXX XXXX stated they couldn't open a missing load ( missing deposit ) inquiry until XXXX XXXX. I called back at XXXX & someone else opened the inquiry. She ( XXXX ) said that it XXXX post by end of business XXXX CT. However, before human # XXXX hung up on me she said by close of business it XXXX post, but she couldn't tell me what time XXXX is for US Bank. As of right now, I have no direct deposit of {$770.00}. I regret trying out the US Bank payroll card. Also, it was states that US Bank will research my inquiry which takes one business day. I was advised to call back on Monday XX/XX/XXXX. I don't know why I'm shocked that the government allows US Bank to steal money as if it's not an issue.
Consumer complaint received 2016-12-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

On XXXX/XXXX/16 Nationstar had their 3rd party vendor XXXX XXXX XXXX secure the property i own and live at XXXX XXXX XXXX XXXX XXXX NJ. House was not vacant, i lived there and was in the process of negotiating a short sale with Nationstar. When i came home i couldnt get into my house a lockbox had been placed on the door. When i finally got in, I was horrified to find ALL of my belongings gone. everything I ever owned. To this date, neither Nationstar or XXXX has returned my belongings, which were most likely thrown away. Nationstar didnt bother to speak with me or my agent about securing the house, and now i have no clothes, no personal documents, etc. I was left like a dog in the street. I want NAtionstar or XXXX to return all my things or to compensate me for the things lost and for the pain and suffering, along with the health issues I have now had to deal with because of this traumatic event.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

SOMEONE STOLE MY ID AND OPENED A FRAUDULENT ACCOUNT IN MY NAME... 
AND TRANSUNION LLC, IS REPORTING THE FRAUDULENT ACCOUNT ON MY CONSUMER REPORT.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I received a letter from Seneca mortgage in XXXX 2016 that my mortgage was sold to XXXX to be effective XXXX 2016. Later that month I received a letter that it would be effective XXXX 2016. I set up automatic bill pay with XXXX. My mortgage payment of {$2000.00} was deducted from my account by XXXX on XXXX XXXX. Seneca, who no longer owns my loan, also deducted {$2000.00} from my amount. I attempted to contact Seneca customer service. The automatic system said they no longer own my loan and then transferred my call to XXXX.