davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
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: AMERICAN EXPRESS COMPANY (FL)

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 2023-09-09
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 (FL)

PayPal platform does not inform you that they have placed a hold on your account clearly and misleadingly allows you to send an invoice to your client and receive payment in their system, then not allowing access to the funds. Further the system misleadingly shows funds are " available '' and when you try to transfer to your bank, it only says " Sorry, somethings not right. Please try again later. " At no place it says that if you would send an invoice the funds would be not available until you resolve their issue. Nor it says that funds are limited. You have to search deep down the portal to find a small notification that there is a request to update information, which is not even clear how to do for a normal person. PayPal mislead us that we can invoice our customers and doesn't disclose clearly that funds might be limited. Then when submitting the answers they take 5 business days to answer, and if you didn't get it right to their liking - there is no-one to ask for advise as customer service says they have no access to the case or to any information and its handled by " an internal department ''. Each round of communication takes 5 business days and all this time you have funds frozen - that is damaging your small business. You can not pay suppliers, purchase inventory or even refund the funds to your customer! Very damaging to small starting entrepreneurs or businesses. When trying to tell the only customer support that is reachable on their 1-800 line, they say the company is too big to change anything in their procedures, nor will they care as they have XXXX customers and one customers problem is not going to make a difference. Well here I am a small business customer whose business is being damaged by misleadingly allowing to invoice my customers and having funds held for weeks, without a clear solution and this all only due to a small fix in verbiage of their own service description that would not need to be taken to the level of freezing our income source for over a month should the company have user friendly attitude and care for their customers. We feel robbed and held hostage and loosing our reputation towards our customers as the orders can not be fulfilled on time due to PayPal holding our funds and have no clue how long it will take them to release our funds.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1.00} 000 per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} 000 per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Auto Loan Past due : {$24000.00} Late 120 Days XXXX XXXX Other Loan Past due : {$490.00} XXXX Chargeoff XXXX XXXX Other Loan Past due : {$3100.00} XXXX Chargeoff XXXX XXXX  Other Loan Past due : {$760.00} XXXX Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} ChargeOff
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2019 Wells Fargo sold my family home in an auction claiming that paper work was mortgage transfer was not submitted on time. I explained that o was handling everything out of state due to the fact that my family member was sick and XXXX so I was not in XXXX at the time during this process but I was communicating and in correspondence with everything they asked of me.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-12-06
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)

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, UTILITY, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP
Consumer complaint received 2023-05-01
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. (NV)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Iam a victim of identity fraud with XXXX has been filling disputes with them for 5 years they never send any results for they dispute with me. I disputed all negative items and things that wasnt mine on my credit report with them a month and half ago and have not received any written response from them about my dispute letter instead they are reporting incorrect balances in my credit report and refusing to update any information that is not correct I spoken to a Supervisior there XX/XX/2023 and was advised they will dispute the items I just in question still no response With Experian they are reporting incorrect balances on my account and instead removing the debt that cant verified they leave the account as closed but dont report any balances I have been requesting proof of validation of debt and they have no provided it to me.
Consumer complaint received 2022-12-06
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (AL)

Comenity bank over stock. Is sending me threatening phone calls. I am having financial difficulties at the moment. But they refuse to work with me to lower the interest payments or payments. I've been making smaller payments to try to keep my account from going further behind. I have set up a payment of {$37.00} for XXXX. I have set up a {$47.00} payment for my XXXX XXXX account.
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WA)

As a Citi credit card customer I received on my personal email an offer to open a Citi checking account and meet a set of activities, here is an excerpt from the offer email : " EARN UP TO XXXX XXXX  bonus miles* after completing the following required activities : 1-OPEN a new checking account and enroll in the offer the same day before XX/XX/2023 XXXXSPEND the required minimum amount on purchases using your Citibank Debit Card within 90 days after account opening 3-MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90day window 4-YOUR XXXX  bonus miles will be credited to your XXXX  account within 30 calendar days from the date you complete all required activities '' I have met all required activities on XX/XX/2023 and was expecting the miles to post up no later than XX/XX/2023. I have been unsuccessful at getting Citi to post the miles to my account in a timely fashion and simply honor the terms of the offer despite numerous calls to incompetent customer service agents and supervisors from 3rd world call centers. 

I had no other solution but to request consumer protection in this case to defend my rights.
Consumer complaint received 2023-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

I submitted a {$20000.00} payment to EdFinancial to start paying down my current XXXX  school loans. They took the money out of my account but only applied around {$4500.00} to one of my two XXXX school loans. The rest of the money has not been applied and mysteriously disappeared. Not only that. They deleted the place where it would show in " recent payments '' .I do have a screenshot of the recent payment before they deleted it. I also have a screenshot of the money being taken out of my bank in a bank statement as well as a screenshot of a payment confirmation that EdFinancial sent me through email with a payment confirmation number. They have basically stolen {$15000.00} from me at this point because they have not provided me insight as to why {$15000.00} out of my {$20000.00} payment towards my XXXX loans went missing. I have tried emailing them as well as calling them with ZERO answers. I would appreciate some help with this issue and if there is any more information needed from my end, I am open and willing to provide that information. I appreciate your time and am hoping you can help me get this situated because {$15000.00} is not a small amount of money to go missing in thin air.
Consumer complaint received 2023-09-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (TX)

My final payment was made to XXXX  on XX/XX/2023 in the amount of {$130.00}. I called and closed my account on XX/XX/2023 and was informed by the representative that I had paid my balance in full and didnt owe any other payments. 
I received notice from XXXX that my score has been impacted because I had a bill sent to collections by Frontline Asset Strategies. I called XXXX today and spoke with XXXX ( reference # XXXX ) who informed me that I should have received a final bill in the mail in the amount of {$830.00}. I informed her that I had proof in my e-mails that I was registered for paperless billing so I should have received an email for that bill instead of postal mail. 
Not only was the final bill sent to the incorrect address but I was also never notified that my bill was sent to collections nor did I receive any form of communication by the collection agency that my bill was received by them.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

SOMEONE IS TRYING TO OPEN AN ACCOUNT UNDER MY NAME. I CALL THE COMPANY. I CANT GET THROUGH ITS AN INQUIRY FROM XXXX/XXXX  I DID NOT AUTHORIZE
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-09-09
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: Data Mortgage Inc. (MD)

I have a mortage loan with Essex Mortage for the last month. I have not been able to speak to anyone at the company. I have emailed several times, ive called several time different time of the day. No one answers the phone, there is auto message and then it drops the phone call. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I mailed the cusumer care on XX/XX/XXXX, XXXX, I just get a automated reply from the emailes. I used the Fill out the form below to send a message directly to our Servicing Department on the home page and the contant us form in the portal also no response. 

I can not pay my mortage. The website will not allow me to do any one time or recurring payments setu p I get a " Please call us to discuss your loan and make payment ''. Again the automed system hangs up, i cant get anyone on the phone.

Also the website has to update payment history and my payment information is wrong.
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to DELETE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-09
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. (VA)

XXXX XXXX XXXX Showed up on all 3 of my credit bureaus. I have no knowledge of this account. I would like this removed from my credit report. I have disputed this on my credit report and it has not been removed yet. I would like it removed from my credit report as soon as possible.
Consumer complaint received 2023-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (NC)

I took out student loans and have been charged absolutely ridiculous fees. 
I was in school 2 years ONLINE and was charged over {$8000.00} for room and board, which I never had. I was an online student. 
School tried to hold my transcripts stating I owed {$3000.00} more dollars to graduate. 
Went to XXXX XXXX  online to get my XXXX of XXXX XXXX XXXXXXXX Graduated in XXXX. 
Loans have been sold multiple times and at one time 2 loans had 12 different companies owning them.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX Showed up on all 3 of my credit bureaus. I have no knowledge of this account. I would like this removed from my credit report. I have disputed this on my credit report and it has not been removed yet. I would like it removed from my credit report as soon as possible.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I will make this short, brief and accurate as possible. Back in XXXX  XXXX XXXX XXXX XXXX XXXX sent me two emails pertaining to the sale of the account to XXXX XXXX XXXX and XXXX XXXX XXXX misleading. Anyway, this is a document stating that the account has been sold to XXXX of the companies and to refer any future question to either XXXX. XXXX XXXX continue to report onto my credit report for 6 years now after they had sold the account. They do not own the account anymore. Trans Union allowed XXXX XXXX to report onto my credit report for XXXX  years which being a detriment to my credit report and character. Also, this is a violation of the FCRA. See attachments for more details.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MN)

In XX/XX/XXXX, I received a promotion from XXXX  for XXXX flight miles when approved for a Gold AMEX card. I applied and was approved. I immediately saw that I was congratulated with the wrong promotion ( XXXX  ). I emailed, but the company never replied. In a month, I've spent the needed {$1000.00} to receive the miles and was awarded XXXX  instead of XXXX. I called XXXX  and they said that the case would take 6 weeks. After 6 weeks passed, I called again and was assured that it would be taken care of in one more week. It has now been two months with out a resolution.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

Husband passed away XX/XX/XXXX. Received social security check for XXXX in XXXX. Bank placed hold on check. Was informed by social security that this check would not have to be returned as it was for XXXX. Bank would not release hold. On XX/XX/XXXX they informed me they were going to return the check because it was payment for XXXX. I asked them to verify their information and call me back. They did not. Today XX/XX/XXXX, they returned the check to social security. This is a hardship as it will take me at least XXXX  months to reclaim this check. They also sent through XXXX transactions instead of XXXX to return this check leaving me overdrawn.
Consumer complaint received 2023-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity was stolen a while back, I received a notification from XXXX that my info was on the dark web and I was also a victim of a date breach. I contacted Transunion multiple times over the past few months to get them removed and I also placed a credit freeze and was refused help but also rudely spoken to by some customer service representatives. They have tried to open various accounts, etc. I attached my FTC REPORT as well.. the inquiries and dates are listed below : 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 2023-09-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Card Account # XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 an account without my Written instructions XXXX agreed to remove the account due to identity theft. But XXXX refuses to remove nor have they furnished documents validating the account.