davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
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. (CT)

I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Experian. Experian recently responded that the inquiries would have been removed ( The ones that was disputed ) As I stated before these were unauthorized. 

EXPERIAN BUSINESS CRED Inquiry Date : XX/XX/2020 This was removed and recently popped back up on my credit report.
Consumer complaint received 2020-04-02
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: SYNCHRONY FINANCIAL (FL)

I received an alert from XXXX stating a credit inquiry was added to my credit report on XXXX. XXXX 2020 by " Syncb/Paypal. '' I do not recall or have any knowledge about is. 

Before I jump to fraud I wanted to find out more about this inquiry.
Consumer complaint received 2023-12-08
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

Hello, I have been attempting to reach someone at Chase regarding my home mortgage payments given my significant loss of income due to coronavirus. There is a laundry list of requirements to prove loss of income, including a profit and loss statement for my business for last calendar year. With the tax return deadline extended, I do not have such a document prepared and I can not prepare such a document in the 7 days I have left before my next mortgage payment is due. The process states that I need to supply all paperwork via mail and then someone will contact me to discuss in 30 days. Today, I attempted to call ... again ... to speak to someone at Chase. The wait time is 5 to 8 hours to  speak to someone. I am working and unable to stay on the phone for such an extreme wait time. This is completely ridiculous and the greed of Chase during this trying time should not be tolerated. I need help and they've created an iron-tight process to ensure that the company doesn't supply any. 

After an hour on hold, the line was " disconnected '' and I am continually having to call back to rejoin the queue to speak to someone. Chase has created a process so that they don't have to help customers.
Consumer complaint received 2020-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

I have PNC Bank. Since XX/XX/2019, I have been compromised a multitude of times. I even opened up a brand new account with them. I still CONTINUE to be compromised. Their security is faulty and lacking, and I've lost THOUSANDS of dollars with PNC. They haven't done anything to better secure my account, they just keep doing the same thing over and over again, with the same result -- my account by compromised. Someone has been using the " card free ATM access '' to withdraw money, has been using XXXX and XXXX to transfer funds, and using it at various retail locations, including XXXX XXXX. I've been compromised so many times, I lost track. I can't even list every time I've been compromised because it's been THAT excessive. Recently, there's been over {$100.00} taken out of my account by XXXX " XXXX '' or whatever her XXXX   name is. I can provide records of the transactions I did not make starting with the new account back to XX/XX/2019 upon request. I would have to go through with my bank and go through which transactions I disputed ( there's too many to count!!! ). They haven't given me any credit to my account, resulting in me not being able to pay bills. Now with my fiance out of work due to COVID-19, it's even more critical I get this resolved. I want my hard-earned money back NOW.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX and XX/XX/XXXX I sent letters to Experian requesting documentation on how they were able to verify the inaccurate information they are reporting from XXXX XXXX  that I was late 60 days XX/XX/XXXX. I also sent a letter to XXXX XXXX agency using the address that was provided on Experian report however that letter was returned as undeliverable. How can Experian report this information if they can not even provide the correct address for the child support department. As of this date Experian has not responded. It has been well past 30 days that is required by FCRA.
Consumer complaint received 2020-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

The {$100.00} transaction all 3 was denied on XX/XX/2020 by chase atm at XXXX XXXX XXXX XXXX ny. But my bank debit my account. I have receipts transaction denied.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (IA)

The issue was that I was living in a rooming house that had run amok in XXXX XXXX  and people from the rooming house were taking my card and making charges while I was asleep or possibly drugged by them. I no longer live at that address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ) where I was a tenant in good standing, and have moved due to gross mismanagement by my previous landlord and for health reasons ( I have XXXX / XXXX  ). 

I would be happy if they would issue a provisional credit for the signature charges dated XX/XX/XXXX. (  $ XXXX {$700.00} ) All of which ( with the exception of 1 charge ) happened in rapid succession at a nearby XXXX over just a few minutes. ( see attached report ) A PIN WAS NOT REQUIRED?? 



XXXX XXXX  POLICE C.I.D. ( XXXX ) XXXX Case Number : XXXX XX/XX/162020 For details see my letter below and attached correspondence from NetSpend / PayPal Prepaid : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX NetSpend Corporation XXXX. XX/XX/XXXXXXXX XXXX, TX XXXX SUBJECT : EMERGENCY ESCALATION FOR CORRECTION OF DISPUTE Account Number : XXXX Claim Number : XXXX Claim Date : XX/XX/XXXX Dear NetSpend, I am writing to document the current situation that we have in the above referenced dispute : 1. I MADE THE CLAIM ABOVE OVER THE PHONE ON XX/XX/XXXX. THE CONVERSATION WAS RECORDED. 
2. DUE TO CONFUSION OF DISCOVERING I HAD NO MONEY AND DOING CLAIM OVER THE PHONE I IDENTIFIED PIN TRANSACTIONS THAT ARE MY OWN BY ACCIDENT BUT WAS TOLD BY THE PERSON TAKING THE CLAIM TO PUT IT ON THERE IF I WASNT SURE. SHE DID NOT CLARIFY THAT SOME TRANSACTIONS WERE SIGNATURE TRANSACTIONS AND I THOUGHT MY PIN WAS COMPROMISED. HAD SHE MADE THE DISTINCTION CLEAR, I WOULD HAVE MADE NO MISTAKE. 
3. ALL OF THE TRANSACTIONS I WISH TO DISPUTE ARE SIGNATURE TRANSACTIONS WHICH I KNOW ARE NOT MINE. SOMEONE WAS ALLOWED TO SPEND {$600.00} ( +- ) AT A XXXX WITHIN A FEW MINUTES DOING SIGNATURE CHARGES ON XX/XX/XXXX. THOSE SIGNATURE CHARGES AT XXXX ON XX/XX/XXXX ARE THE ONLY THING I WISH TO DISPUTE. THERE WAS A SIGNATURE CHARGE AT XXXX  ( A GAS STATION ) THE SAME DAY, WHICH WAS LIKELY ALSO FRAUD, AS I DONT HAVE A CAR AND IT WAS LIKELY THE PERPETRATOR ( S ) REFUELING AT XXXX.

4. THIS MATTER HAS BEEN REPORTED TO THE FTC AND THE LOCAL POLICE.

5. I HAVE SPENT HOURS ON THE PHONE WITH PAYPAL PREPAID AND THEY ALWAYS PROMISE THAT SOMEONE WILL CALL ME BACK FROM THE FRAUD DEPARTMENT BUT THEY ARE NOT CALLING. I HAVE BEEN PROMISED A CALL BACK AROUND 4 TIMES AND A MESSAGE WAS LEFT ONCE. THE OTHER TIMES, NOBODY EVEN BOTHERED TO CALL. 


I understand about the virus and all, but if youll notice, my account is getting really low. I really need the provisional credit for this revised dispute fast so I can pay bills. I am XXXX with XX/XX/XXXXand other illness. Please take care of this and issue provisional credit. 
Thank You in advance, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-03-22
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. (DC)

XXXXl XXXX is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my XXXX credit report lists the first 12 digits as XXXX. 

XXXX XXXX garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent XXXX dispute and a printout of what is currently showing on my XXXX report via XXXX XXXX.
Consumer complaint received 2020-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XX/XX/2020 Approximately XXXX, I held for one and one-half hours, to be disconnected. 
XX/XX/2020 Approximately XXXX, I held for one and one-half hours, to receive a recording that no one was available and to call back during regular business hours, then disconnected me. 
XX/XX/2020 at XXXX, I am still holding at XXXX. The message at the beginning said the wait was approximately 2 hours. They also stated they were complying with the COVID-19 quarantine, but I have family that are XXXX, and they work from home now! This company knows that people are desperate, and need a way to speak with them right now. Please help!
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

On Wednesday, XX/XX/2020, I attempted to put a Freeze on my Experian Credit Report through the Experian Website : https : //usa.experian.com/login/index I have an active account with Experian and I have confirmed my 10 digit PIN number through their Website. When I enter all my data, i.e., Name, DOB, SSN, current and previous address, and the 10 digit PIN, in order to place the freeze, the Website informs me that my identity can not be confirmed and I must submit a written letter to Experian with all this information, plus a copy of a govt issued photo ID. 

I attempted to contact Experian by phone at their Consumer Help number : XXXX, and after entering my SSN and DOB, I am offered only two options, neither of which is my issue and both of these are simply recorded messages about products and directions to go to the company 's Website. 

I went through this same process again today, Thursday, XX/XX/2020, including the Website and trying to reach someone by phone, without success. The automated phone system hangs up on callers without allowing them to speak to a representative. 

Experian appears to be forcing people to purchase an upgrade to their accounts in order to lock their credit report, since the free credit freeze process is not working. I have excellent credit and I own a home. I am very concerned that someone could use my credit to make purchases. This company is terrible and impairs the ability of consumers to protect their identities and prevent fraud.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (CA)

Recently they are reporting I paid all last year late and I have XXXX payments over 30 days late. I disputed it with XXXX and told them they need to correct it. They refuse to do anything stating I have to send them a full copy of my credit report before they will investigate. I have also paid the amount they claim is past due. The loan pulls 2 times a month and I was never 30 days late. It did not show any lates last month when I checked my credit report, so I do not know what changed. I asked to speak to a supervisor yet was told I could not be connected and had to wait at least XXXX hours for a call back.
Consumer complaint received 2020-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I filed a complaint with CFPB related to a wrong credit report of Transunion Intermediate holding Inc report # XXXX and XXXX  report # XXXX-XXXX  related to a past due mortgage for XXXX, XXXX XXXX and XX/XX/2019 from Specialized Loan servicing. LLC. The Loan was paid by wire from XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 by wire in accordance with the written payof demand submitted by XXXX XXXX  to XXXX XXXX XXXX. XXXX  reported incorrectly the Mortgage unpaid for 4 months to all 3 credit bureau and finally in XX/XX/2019 informed me that the mortgage was paid, balance XXXX and they reach an agreement for a very small insurance shortage of with the insurance company insuring the loan and the Title Company to no fault of myself. XXXX has informed the credit reporting agencies but only XXXX  has corrected the report and revised the credit score while XXXX and Transunion have failed to correct the information and I was advised in writing that in accordance to the guidelines they had not sufficient information to revise the credit report. all information I have available were submitted to Transunion report XXXX-XXXX  and XXXX report XXXX-XXXX. I do not understand how information are sufficient for XXXX  but NOT for Transunion and XXXX  and an application of mortgage refinance with XXXX XXXX was suspended due to the low score registered with Transunion and XXXX  while the score with XXXX  was sufficient for the refinance process.
Consumer complaint received 2022-10-07
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)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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
Consumer complaint received 2020-03-23
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. (FL)

XXXX  ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$440.00} on the XXXX XXXX partial account number XXXX and also a charge-off in the amount of {$900.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These ( 2 ) accounts with XXXX XXXX were fraudulently opened. I do not now, nor have I in the past, had any accounts with XXXX XXXX. I never gave permission, nor did I ever authorize these accounts to be opened. This false reporting of charge-off accounts that do not belong to me is seriously harming my credit score and these line items need to be deleted. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-23
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. (SC)

THE DISPUTED LATE PAYMENTS ON THE ACCOUNTS LISTED HAS BEEN REPORTING INACCURATELY, PLEASE MAKE THE CORRECT ADJUSTMENTS ON THE ACCOUNTS LISTED, FOR THEY HAVE BEEN CAUSING HARM TO MY REPORT.
Consumer complaint received 2020-03-23
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)

Equifax ; XXXX  and XXXX are reporting incorrectly a charge-off in the amount of {$440.00} on the XXXX XXXX partial account number XXXX and also a charge-off in the amount of {$900.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These ( 2 ) accounts with XXXX XXXX were fraudulently opened. I do not now, nor have I in the past, had any accounts with XXXX XXXX. I never gave permission, nor did I ever authorize these accounts to be opened. This false reporting of charge-off accounts that do not belong to me is seriously harming my credit score and these line items need to be deleted. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-12-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (TX)

on XX/XX/XXXX contacted Penn Credit Corp and spoke with employee # XXXX about the debt information I received and disputed that the documentation sent with the photos was not visible or clear proving I owe the debt. I stated to the employee # XXXX  that I want to continue to dispute this debt being the photos they sent me in fact is not proving I owe the debt because they are not clear or readable of my license plate for my vehicle’sEmployee #XXXX  wanted to argue with me and speak over me while talking and said they are mine and he can read the license plate numbers. I again said in the conversation it’s not legible or readable and that it’s not the front of my vehicle and the amounts are not making sense being I do not use the Tolls. This employee demanded that I was refusing to pay the debt and not accepting my dispute and was trying to hang up on me and not listen to my dispute request as allowed under FDCPA. Then this employee said he would just document that I was refusing to pay the amount owed. My FDCPA rights have been violated and I want this documented for the record. This conversation with this employee was monitored by another employee of mine at the time of the conversation on XX/XX/2019 about XXXX. Also, this same debt has been disputed since early XX/XX/2019 by certified mail. I also have had several other phone conversations with this office that I'm willing to write written testimony on with dates and times when we get to that point. Please see my attached pictures that are not readable. Also the amounts are not broken down into where, when, time, or accurate dates and amounts of the toll charges.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CENTRAL BANCOMPANY, INC (CT)

I purchased a pizza on XXXX  for delivery on XX/XX/XXXX. Pizza was never delivered. I sbmitted a complaint on the website and did not a response. I call the bank and multiple times and they did not assist.
Consumer complaint received 2020-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (LA)

On XX/XX/XXXX, I received an email from XXXX  stating that a new collection account is on my credit report. The collection agency is United Collection Bureau and the company for whom the debt originated is XXXX XXXX XXXX XXXX. It shows that the collection account was opened XX/XX/XXXX, and that {$270.00} was due as of XXXX XXXX. I have never heard of XXXX XXXX XXXX XXXX, nor do I believe that I owe an outstanding balance of {$270.00}. The report lists a partial account number : XXXX. I have never received a bill from this company that would explain the charge. Presumably, the company is connected to healthcare, but I always pay any co-pays and additional fees directly to my doctor 's office. I disputed the charge with XXXX  and United Collection Bureau claims that it's a legitimate charge, although no evidence has been provided.
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NV)

2 problems with Specialized Loan Services ( SLS ) 1. SLS does not post additional principal payments on current statements. Additional principal payments are posted on the following month 's statement although the additional payment was included with regular payment. They post the regular payment but delay posting additional principal payments on the same statement. Additional payments are made to reduce interest amounts immediately not 30 days later. 

2. XX/XX/XXXX payment of {$6100.00} was incorrectly posted by SLS and they refuse to reflect it correctly on my account. The payment included XXXX regular payment and XXXX additional principal payment. Due to their posting error the transaction is showing as XXXX although they said they applied the payment. I have no evidence of when the payments was applied and if they are still calculating interest on the additional principal payment. 

Communication : XX/XX/XXXX - made payment on my account via bill pay. SLS did not post until Monday XXXX and that point I realized the errors. 

XX/XX/XXXX - sent message using SLS internal messaging system - see attached. 

XX/XX/XXXX - sent another message using SLS internal messaging system because they fixed their error to benefit themselves but did not fix the payment posts on my account - see attached. 

XX/XX/XXXX - called customer service and representative powerless to help me. I asked for supervisor and she said a supervisor will call me in 24 hours. 

XX/XX/XXXX - supervisor called me during work hours and did not leave a direct extension I could use to call her back. 

XX/XX/XXXX - I attempted to call SLS hoping to get someone who could fix my problem but after pressing all the buttons on their automated system I was told that they closed at XXXX MT although it was only XXXX MT. Thinking the automated system made an error I called back again and received the same message. 

See attached 6 page documents of screen prints and notes for clarity.