davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/XXXX I used PayPal for a friend to send me funds and PayPal charge me {$32.00} fee and then a {$18.00} fee to transfer to my card this is excessive I am new to PayPal and didn't know they charge these fees as it never stated that when signing up therefore they are highway robbery company they charge excessive fees not even my bank charges that much I only did this for a friend who said they can only send me money via PayPal otherwise I would have just had a check sent! PayPal needs investigated for excessive fees being charged it's not fair practice.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Without my knowledge or permission Transunion changes my name to something that I have never been. They gave me a middle name also. I sent them a document showing a certified court document that shows my complete name legally changed and filed since 2003 is XXXX XXXX with no middle name or initial. All credit cards show my legal name as does social security. But Transunion has misnamed my file so that their data does not agree with my lawful name or my social security number. Transunion also has a contaminated file containing about 30 % fictitious addresses, phone numbers making it impossible for me to answer questions about myself that agree with their phony data. Transunion refuses to take off fictitious addresses I mention of places that never were my addresses and tells me that I lived in a county I never heard of two years ago. They use their false data as an excuse for their refusal to return my name to agree with social security, my birth certificate and all driver 's licenses issued to me in the past 20 years. As a result, I have been denied 3 credit cards and One card is cancelled without warning or notice afterwards, I suffer greatly financially to the tune of thousands of dollars. My question is do I ask them to terminate my file since they refuse to correct it and claim I must answer their questions with answers that agree with their distortions or they will continue to refuse to remove the phony name they devised and have my file under that I have never had or used : XXXX XXXX XXXX. I have no middle name. In consequence of their atrocious fraudulent action and errors I keep receiving demands for money from a collection agency for XXXX to whom I have no credit card or balance due using the phony name transunion thought up to put my information under thus fraudulently ruining my credit rating that was XXXX and now is not.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (MI)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

DP OF EDUC XXXX {$2600.00}, DP OF EDUC XXXX {$1900.00}, XXXX XXXX {$0.00}, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Consumer complaint received 2024-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I received Escrow Shortage notice XX/XX/XXXX {$1100.00} to my home. Pay extra {$77.00} will be collected over XXXX  months. SPS Mortgage claim I should have received another Escrow Shortage notice XX/XX/XXXX not received to my home. Pay {$5500.00} or {$610.00} extra per month. I received Mortgage XXXX XX/XX/XXXX With {$2200.00} due in less than XXXX weeks. I asked what happened, why didn't SPS Mortgaging notify me of Escrow Shortage like all the other time? All they could say was " could you have paid it? '' I stated I would have tried given the opportunity. I had XXXX weeks to come with {$5500.00} or pay extra per month. both put a strain on my budget. I applied for Modification. After XXXX ( XXXX ) months on trial modification plan XX/XX/XXXX pd {$1600.00}, XX/XX/XXXX pd {$1600.00}, XX/XX/XXXX pd {$1600.00}. Now modification approved. haven't heard for SPS Mortgage then I called, all they could say, SPS Mortgage is working on modification. So I knew I had to pay something for XX/XX/XXXX. I paid XXXX and for extra toward escrow shortage. I finally received Contract dated XX/XX/XXXX. Arrived late evening end of XXXX overnight express rushing me to sign and get notarized fast. Contract stated {$1800.00} plus XXXX ( XXXX ) years added to end of loan. Could not afford. My Mortgage payment {$1600.00}. How is modification helping me? I paid Escrow Shortage after borrowing from everyone. I was to worried about loosing my home. After speaking with SPS Mortgage I found out I over paid my Escrow. So I turned down modification and asked SPS Mortgage to put my Mortgage back like it was. This must have upset them. SPS Mortgage starting reporting me paying late and charging late fees. Threatening risk of foreclosure. I asked why? SPS Mortgage stated I missed a payment in XX/XX/XXXX. I mailed detailed bank statement to them. then they stated I missed XX/XX/XXXX payment. I stated I did not miss any payment at all. someone must have applied payments incorrectly. I requested and investigation of my account in writing. waiting outcome. In the mean time I'm still being charged late fees. I pay my Mortgage early or on time always .SPS Mortgage knows I lost almost every thing in flood XX/XX/XXXX disaster. I think Mortgage company is trying to force me out my home and retaliating against me for not agreeing to Modification.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject to Subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I did not consent to XXXX XXXX to report any student loans to my credit report. I have no knowledge of these accounts and I demand the removal of these student loans reporting on my account immediately.
Consumer complaint received 2024-10-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hello, My issue is in regards to XXXX not working with me on a charge that I disputed due to service not being provided as promised by a vendor. XXXX dragged this out for months on end. And I had to resend this same letter to XXXX multiple times. This charge was originally disputed within the first 60 days of showing up on my card. Below is a copy of the letter I sent multiple times to Visa : " To whom it may concern, My name is XXXX XXXX and I am sending the attached documents to prove that the information I was promised by XXXX XXXX was misleading and therefore failed to provide an agreed upon service. 
I was guaranteed by XXXX XXXX that 100 % all trips and flights would be discounted if I signed up for their service. I was also guaranteed a unique log in code to use this service would be provided to me within 45 days, a log in code that I never received. 
I was also guaranteed that if I was not satisfied with the service I could cancel within 30 days. I attempted to do this on at least 3 separate occasions to no success. I have also tried emailing XXXX XXXX on multiple occasions and have received no response from this company. 
Please note, XXXX XXXX receives many negative reviews concerning their treatment of customers and a majority of the complaints are much like my own, a lack of communication and a lack of follow through on promised services. 
Ultimately, XXXX XXXX failed to provide an agreed upon service and I would like to request that my charge be reversed as I have not used this service and do not plan to use it in the future either as the prices are more expensive than signing up for flights/hotels myself. 
Please look into this matter and I would respectfully request this charge be reversed due to failure to provide an agreed upon service. 

Respectfully XXXX XXXX XXXX '' Ultimately, XXXX never did resolve this issue and never sent me a letter explaining why they sided with the vendor. I did receive multiple letters asking for the above letter that I sent them.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (NJ)

Experian has been violating my rights for years now. They have not been in compliance with many federal regulations and laws specifically the FCRA. Account XXXX XXXX XXXX, Account # XXXX, was deleted XX/XX/XXXX, report # XXXX. It was reinserted without notice and no certified certificate as required by FCRA. Experian has also been re-aging the account to further affect me. As you can see on the attachment of deletion the first charge off was XX/XX/XXXX when the account was deleted per my initial dispute. As I have attached Experian has not provided me with any proof of accurate reporting and continuously changes the charge-off date to newer years and months. They are now reporting the same acoount as being charged off XX/XX/XXXX over 4 years later. They have not provided me with any certifications or method of validation documentations. This is illegal and I am requesting a full investigation into Experian 's illegal practices. How many times and different dates of Charge-offs are they going to report? How are they going to re-insert a deleted account without re-insertion notification and cause? A class action needed to be formed. They have been inaccurately reporting this account, please also see the original balances difference, the payments dates and last payment dates. Experian refuses to do their jobs. I have proof of all letters sent and Experian has failed to comply
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MT)

I received a collection notice from XXXX XXXX which is a debt collection agency stating I owe XXXX dollars for a paypal credit account that was opened in my name may of XXXX. The email they say that was attatched was XXXX. I couldn't remeber that if my life depended on it. I used to have a paypal credit years ago but it was closed. Im not sure what to do about this i've worked hard to keep my credit up.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I pulled my consumer report on XX/XX/2023. I saw a host of inaccuracies on my report and one inaccuracy to my credit limit with XXXX XXXX that cost me 26 against my Equifax score. This has hindered me from applying for a home and establishing business credit. I have all attachments in two seperate zip files for proof I am aware that 15 USC 1681s-2 ( a ) ( 1 ) ( A ) states that any person shall not report inaccurate information and the consumer reporting agency has guidelines for it as well.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (GA)

These hard inquiries are unauthorized! I never gave consent to any of these. 
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION (AR)

On Monday, XX/XX/2024, I saw a home online and decided to take a half day from work to start the process of getting pre-approved for a loan and to go view the house. I contacted XXXX first and then contacted a local loan XXXX referred to me by my realtor. While uploading documents and going back and forth on the phone I got a call and was immediately told I pre-qualified for my loan. Due to not giving my information out to anyone except XXXX and the lady who was local, I assumed this call was connected to one of them. I was told to pay a {$46.00} application fee and then {$500.00} to lock in my interest rate. I am a first time home buyer and was not aware it was not normal to pay this money upfront so I quickly paid it hoping to get everything done in time to put an offer on a house that day. The only thing the people on the phone were worried about was getting the payment. I was asking about other things and they repeatedly said they wanted to get the payments to go through first, then we could go through everything. This company was Amerisave. After paying this money and being told someone would be calling me that evening with more information, I went to view the house where my realtor said that I should not have paid all that money upfront for ANY home loan process. Both myself and my realtor called XXXX back multiple times where we were transferred over and over to different people and voicemails. I asked to speak to a XXXX multiple times to try to get my money back and was given the run around. They would give me their names and then when I would call back they would say no one works here by that name. We have tried to call many times since that day with the same issue. I have also sent multiple emails where they stopped responding. The customer service is a joke. Do NOT do business with these crooks! I am a single mom and teacher and was highly taken advantage of.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

This is my 13th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} AXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX Balance XXXX {$300.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$740.00} 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 2018-10-09
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: Diversified Consultants, Inc. (MI)

After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency Diversified Consultants advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with Diversified Consultants- I am not liable for the collection of the debt from XXXX XXXX XXXX as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. This has hurt me severely in regards to obtaining credit. Diversified Consultants states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Diversified Consultants has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.