davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Neon Newco Corporation (NJ)

I called company 4-5 times about my card never got my got had money in it as well I need to have someone call me immediately I think someone is using my personal information with this companyor company is not sending my card and holding money. Please contact me at + XXXX. 
XXXX Thank you XXXX XXXX customerservice@netspend.com president@netspend.com netspend.com
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-06
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-06-13
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. (MN)

The following accounts listed on my Experian and XXXX XXXX credit report are accounts that was open fraudulently and are not my accounts : XXXX XXXX XXXX XXXX, {$14000.00}, XXXX XXXX XXXX XXXX, {$15000.00}, XXXX AZ XXXX, {$30000.00}, XXXX XXXX XXXX XXXX, {$3300.00}, and XXXX XXXX XXXX, {$500.00}. The following credit inquiry listed on my Experian and XXXX XXXX credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020. XXXX XXXX XXXX XXXX, XXXX, administration has contacted the above creditors and has requested they also remove the fraudulent accounts from my credit report. I am a former employee of XXXX XXXX, XXXX who knows me very well and I have spoken to XXXX XXXX about this current situation. I been requesting for 2 years for these accounts to be deleted from my credit report and the fraudulent accounts hasnt been deleted from my credit report. XXXX XXXX is stepping in for me and taking action on this matter.
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp. (TX)

I retained copies of my credit reports in XXXX and noticed that Senex Services Corp placed a collection on my credit report in which they claimed that I owe {$320.00}. I immediately disputed it as have never done business with XXXX XXXX XXXX and I requested that XXXX provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately, but XXXX was unable to do that. Over the years, XXXX has tormented me by calling and sending letters harassing me about this collection. This year XXXX, per the advice of my attorney, I sent XXXX XXXX XXXX a letter requesting removal of this item from my credit report because this Item was placed on my credit report on XX/XX/XXXX and according to FDCPA and Texas Finance Code Chapter 392 ( Debt Collection Statutes ) - The Texas Statute of Limitation for Debt Collection is four 4 years ; meaning XX/XX/XXXX made it 4 years. Texas is my home State. And Ive formally requested that XXXX XXXX XXXX remove this item from my credit reports by sending a certified return receipt letter to XXXX. But XXXX has yet to remove this Item. I have maintained a careful record of my communications with Senex for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should XXXX not remove this account from all my credit reports. 
I have reminded XXXX XXXX XXXX that they will be liable for willful non-compliance as per Texas Finance Code Chapter 392 ( Debt Collection Statutes ) and the FDCPA. Failure of XXXX to remove this account from my credit report will result in a small claims action against XXXX XXXX XXXX in a Texas court. I will be seeking {$10000.00} in damages for the following : 1. ) Violation of The Texas Finance Code Chapter 392 ( Debt Collection Statutes ) The Texas Statute of Limitation for Debt Collection. 
2. ) Violation of the Fair Credit Reporting Act 3. ) Emotional Distress XXXX XXXX XXXX will be required to appear in a court venue local to me in Texas to defend themself. 
Sincerely, XXXX
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (GA)

I requested to close this account in XX/XX/2020, l was told by the PNC rep that the account was closed successfully. On XXXX XXXX a XXXX transfer of {$1300.00} was sent to this account in error and instead of returning the payment PNC kept the money stating that they reopened the account because credits that were given in XX/XX/2020 were now reversed in XX/XX/2020 putting the closed account in a negative balance. I was never notified that this account was reopened. They also took my husband unemployment payment in the amount of {$960.00}. PNC told me that the account is still negative {$1200.00} as of XXXX XXXX and is refusing to close the account or deactivate the XXXX feature. The reversed credit stem from a refund for a XXXX XXXX  that was cancelled due to Covid-19 and PNC states that they gave me duplicate credits which I never received.
Consumer complaint received 2020-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contracted XXXX XXXX XXXX numerous times to request the deletion of the unauthorized inquiry on my credit report. XXXX stated I had no active account with them to remove the hard inquiry. XXXX rejected my request due to no signs of an open account with them. I didn't authorize this inquiry and I would love for it to be removed on my TransUnion. The inquiry was reported on my credit report on XX/XX/2019.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CA)

I have a mortgage with Roundpoint. Due to corona virus situation the house is vacant and not collecting rent. I inquired about deferment and Roundpoint offered forbearance with balloon payment after 3 months. This will not help me. I need to add the missed payments at the end of the mortgage or modify remaining mortgage payments.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Attempted to apply for a vehicle a few weeks ago when the salesperson told me that my credit score was XXXX and I would have to put down a deposit. I knew this wasn't right because I've always been in the XXXX 's. Well, come to find out, someone had stolen my information from a online store I used to shop with. Long story short, I went to the FTC for help and they gave it to me.
Consumer complaint received 2020-04-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

On XX/XX/2020 I scheduled a payment that would bring my loan to XXXX balance. I scheduled it in the usual fashion. I have made large payments to my loan in the past with no issue. On XX/XX/2020 my bank delivered the payment. I didnt think much about it after I saw it had been delivered. On XX/XX/XXXX I realized the payment had still not been accepted. I called my loan servicer on the XXXX. They said they hadnt received the payment, suggesting I cancel the check saying it must be lost. 
Loan servicer is refusing payment on an up to date loan because it is too large of a percentage of the total. I said I wanted to pay off the principal of the loan and that if there were left overs to apply that amount to the escrow of the account. Then they said that I should ask for a payoff quote and that if I did they would be able to accept and apply the payment. All week I waited for the payment to be applied. I finally got a call back on Monday XX/XX/XXXX saying they had refused the payment because I couldnt payoff the account with non certified funds. They asked me to ask for a payoff quote ... I had simply wanted to pay the principal down so I wouldnt get anymore interest applied to the account. Then they used that as a reason to return the funds. I had offered to send an additional certified check for remaining fees left to close the account. 
After holding funds for 24 days they rejected them. Under what situation should a servicer refuse a payment on an account that is up-to date? 
Now they want to change me another month of interest stating they have to charge a full month because of FHA rules. 
How can a servicer refuse to take payments based on rules Ive never seen or agreed to. My loan documents say I can pre pay loan anytime and that it may be held and only applied on the payment due date. That day came and went.
Consumer complaint received 2020-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (NJ)

Regarding the COVID-19, the Homebridge loan institution in NJ hasnt been offering any type of help during this time. They have it online that they can suspend the payment for one, two, or three months but you would need to pay the full amount after your payments begin. So if you select XXXX and XXXX payments to be suspended, in XXXX you need to pay for XXXX, XXXX and XXXX. I dont see how this is any help or concern during this time. 
Why cant they have those payments to be broken down or have them pay at the end of the loan. 
Below is the information of the institution : Home Bridge Financial Homebridge Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX NMLS ID # XXXX XXXX Homebridge Financial Services , Inc . 

I have called and after speaking to a rep, I was told that this was the only option and if you still cant make the payment then adjacent s would need to be made to your loan and that would effect your credit score. 

I dont understand these type of institutions, instead of helping in these times, they are trying to make things worse for people down the road. While on the phone and I mention to them that a similar situation happened in XXXX and after the consumer finances got involved they changed the offering ( they hung up on me as I was speaking to them about this and never got a call back ) Hope this email is helpful to make a change Thank you
Consumer complaint received 2020-04-13
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT AUTHORIZED AND WHO OBTAINED MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. THIS SITUATION IS NOW BEYOND MY CONTROL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2022-02-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is showing a late payment on a closed account that is XXXX XXXX related. 
This account has been fully obligated and now because of XXXX XXXX is indicating XXXX time late. Partial account # XXXX
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (OH)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet I feel like Im being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach in the past and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I disputed my balance that was being reported to the credit bureau against XXXX XXXX credit card company in early XX/XX/2020. The credit bureau tried to verify my balance with XXXX XXXX and they didn't respond at all. Two accounts I have with XXXX XXXX were removed from my credit report causing my score to drop XXXX points. I contacted XXXX XXXX and they advised to mail in a letter stating what happened so the two accounts can be added back to my credit history. That was on XX/XX/2020 the letter was sent. I am still waiting. I called XXXX XXXX today to try to find out the status and was put on hold. The rep left me on hold several minutes and then just put me back in the que and I had to start all over, the second rep was very helpful. Transferred me to another department in disputes. Apparently credit department is still closed and so is the dispute department. Very frustrating because the same thing happened with XXXX and it is all taken care of, within about 10 days time.
Consumer complaint received 2020-04-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (GA)

On XX/XX/XXXX a debt collector by the name of XXXX called me XXXX and left a message. At XXXX that same day XXXX then called one of family members and advised them I have a debt and she called on behalf of a creditor. 

I called XXXX to understand why she was calling me and my family members before confirming whether or not the debt was mine. 

I asked XXXX if I provided the number to the reference she called. 

She said no. 
I didnt confirm the debt nor did I provide any numbers and XXXX reached out to my family by skip tracing information. 

I advised XXXX I am not responsible for this debt and she should not be calling me or more family. 

XXXX was rude and XXXX and I want to be removed from their calling list I also want the company addressed for harassment
Consumer complaint received 2020-08-04
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)

XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$9600.00} Highest Balance {$6200.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$0.00} all of them too many to list Creditor Name XXXX XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 18 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$1000.00} Payment Status Current Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due XXXX XXXX XXXX XXXX, TX XXXX wrong address wrong names XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I bought house last year from XXXX, initially financed by XXXX XXXX. 
I put down 20 % down payment XXXX then transferred loan to Loancare LLC who then charged me extra {$500.00} a month for escrow. Meanwhile, I am already paying {$500.00}, thereby making it a {$1000.00} escrow payment each month. 
The company hasn't given me a proof as to why are they are justified to collect 2x my escrow amount. 
I have called the company 4 x and gotten conflicting information. One of their agents was surprised this was going on with me and the company wont let me not escrow my account.
Consumer complaint received 2023-01-06
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. (AZ)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (GA)

: Intent to file lawsuit, HIPAA Privacy Violation 2nd Request for Validation of Debt : { PHOENIX FINANCIAL SERV } Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency and I haven't received validation of the debt { CPHOENIX FINANCIAL SERV } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the collection agency and credit bureau for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Please REMOVE this debt or properly provide VALIDATION and proof that my HIPPA Rights were not violated : Please send me the following items within 15 days : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2020-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I disputed my balance that was being reported to the credit bureau against Capital one credit card company in early XXXX. The credit bureau tried to verify my balance with Capitol one and they didn't respond at all. Two accounts I have with Capitol one were removed from my credit report causing my score to drop XXXX points. I contacted Capitol one and they advised to mail in a letter stating what happened so the two accounts can be added back to my credit history. That was on XXXX XXXX the letter was sent. I am still waiting. I called Capitol one today to try to find out the status and was put on hold. The rep left me on hold several minutes and then just put me back in the que and I had to start all over, the second rep was very helpful. Transferred me to another department in disputes. Apparently credit department is still closed and so is the dispute department. Very frustrating because the same thing happened with XXXX and it is all taken care of, within about 10 days time.