davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (MD)

Received three mailings in the past 45 days for debts in 3 different individuals names that do NOT live at my address. I still have two of them. I threw the other one out. The two I have now have other people 's names on them that I do NOT know. They do NOT live here. I have lived here for 20 years.
Consumer complaint received 2021-09-29
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. (DC)

XXXX stated that the balance on my account is due to the XXXX  deductible which ally only covered XXXX and the insurance didnt however the insurance company took the XXXX  deductible out of the settlement check before they even paid XXXX so Im still confused as to how do I have a left over balance on my account when there was no deductible included in the first place the settlement amount that the insurance settled for was XXXX when they subtracted the XXXX  dollar deductible that left a balance of XXXX so again Im confused why they are saying the balance left on my account was the amount the insurance didnt cover
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XX/XX/XXXX I sent in a dispute requesting that they delete the public record due to incorrect reporting between the credit bureaus. I sent in proof and ask for an immediate deletion. Results came back and nothing was changed. This inaccurate reporting is wrong and goes against the law. I also have two credit reporting incorrectly XXXX  XXXX bank. Attached is the information that is reporting incorrectly. Please help me remove this inaccurate information. Thank you.
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

Our current mortgage is with Select Portfolio in XXXX XXXX XXXX, XXXX. We have been working with XXXX XXXX out of XXXX, XXXX. since XX/XX/2021 to refinance our mortgage. Upon checking the title, XXXX found that Select Portfolio never recorded the lien/deed. We have contacted Select Portfolio on many occasions and have spoken to numerious agents who have not been able to get the process handled. With this being said, XXXX XXXX has cancelled our loan process due to being unable to get the title information correct.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested Experian remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested Transunion remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner.
Consumer complaint received 2021-09-29
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. (GA)

XXXX XXXX has inaccurately reporting late payments on my credit file and these late payments are causing me undue hardship because they are inaccurate. I attempted to contact the company several times and they have an answering service with individuals from overseas who are extremely rude, lack knowledge of company policies or how to remove this inaccurate information off my account. This company continues to report late payments on my Experian credit report to no avail illegally, I have never missed a payment with this company. I setup this account with my monies as a secured credit card but now because of their inaccurate reporting they are causing my credit report to suffer more damage then they are assisting me. I would like them to immediately cease and desist reporting this false information.
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Sensible Auto Lending, LLC (CT)

i was the co-buyer to this car loan in XX/XX/XXXX to it was repossessed later that year to the buyer being incarcerated since then this repossessed car has been holding me back from furthering my credit and harder for me to get a car. my XXXX XXXX  account says it was closed on XX/XX/XXXX. i just want this off my credit so i can than better me and my family and get a decent family car
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Continental Finance Company, LLC (NH)

XXXX XXXX XXXX, also known as XXXX XXXX. I paid this account off with a zero balance and closed this card myself. Then mysteriously a new charge in the amount of {$580.00} appeared from new jersey I reported fraud and Verve said they correct this. This never happened and they continue to destroy my credit scores. I also sent several letters to Continental Finance LLC and XXXX and no response, with copies of their paid off letters and the fraudulent charge on my account. I live in New Hampshire and this charge was made in New Jersey. I called the so-called number and reported this on six occasions to their representatives and they all hang up however one person slipped up and gave me a different account number that was taken out in my name. XXXX is a fraudulent company. I also requested disputes from XXXX and XXXX and XXXX credit reporting agencies they denied my disputes and continue to harm my credit standings. I received a credit refund for {$400.00} and then I was charged one month later for the same amount, along with a late fee and notice on my credit reports implying this was my fault.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

This Account is being added to my credit report With the intention of collecting I have disputed this account with the original creditor over the Phone to validate this information on XX/XX/2021 I have not received any information From XXXX XXXX XXXX. 
This Account is not just added is also inaccurate. With no payment History on all accounts Starting with XXXX XXXX /Equifax . also the balance is inaccurate. 
please have this delete immediately from my credit report. 

Note. this account has a duplicate account with a different account number
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (HI)

PayPal and XXXX. 
Here is the story in details, and I am seeking justices ...... 
What happened that I have bought two items from an XXXX seller. I paid for these items using my PayPal service. But when the time passed and items was not delivered in the time frame I waited another week but I never revised the goods thus I did submit a request for full refund, XXXX ask me to wait little-bit longer even though I did wait more then I supposed, when I discovered that the tracking number was fake I decided to contact PayPal to help, but did notice that PayPal service keep postponed the respond to my case, every time when the decision date comes from them to make the final say the extend the time frame without any concerned that there is a time of essence, noticed that after I send them a compliant clearly indicate that what happened it goes against the Business code of ethics that set to be the guiding principles and sure it was created to ensure that all business organization and its employees to act with honesty and integrity in order to complied with the Business code of ethic, what happened that PayPal react been more hostility after receiving my complaint and on purpose keep extend and delay the decision day showing complete challenge against me believing there is nothing I could do to force them to be fair when dealing with victims like me in that case since we used their service for protection as they claimed to be, but the injustice was obviously shows in their response. This unfairness must have an end.
Consumer complaint received 2019-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (CA)

On XX/XX/XXXX, I responded to an ad on XXXX about a rental property. On XX/XX/XXXX, I made a wire transfer for {$5000.00} to a person I believed was the landlord of the property in order to secure the apartment. 

On XX/XX/XXXX, I called my bank, XXXX, to authorize the transfer. XXXX told me it will take 24hrs to process it. However, I realized quickly it was a scam and called XXXX back two hours later. I asked to cancel the wire transfer. The transfer was still pending when I checked my account. XXXX responded that I missed the cut-off. I asked then for a wire recall. XXXX responded that I needed to wait Monday morning to contact the Wire search team. 

Monday, XX/XX/XXXX, I called the Wire search team at XXXX. They told me they will reach out to the other bank involved, PNC. On XX/XX/XXXX, XXXX called me back to tell me that PNC contacted them to inform XXXX that its client is unwilling to give the money back. Clearly, PNC doesn't care that one of its client is running a scam on XXXX which is totally unacceptable and unethical. 

On the very same day, I called PNC myself to indicate that one of its client is running a scam on XXXX and something has to be done about it. I offered evidence of the scam but they didn't want to hear about it and told me to call my financial institution. I responded that XXXX contacted PNC and PNC told XXXX that its client is unwilling to give the money back. To that, PNC responded that there's nothing they can do about it. 

PNC needs to take its responsibility or it is clearly complicit in a crime and needs to be punished for it.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Source Receivables Management LLC (AZ)

Account had been disputed in XXXX of 2021 by the original collector. Company put it back on my report on XX/XX/2021 Was receiving harassment calls every single day, told company to leave me alone as debt had been removed and yet would receive a call. Have blocked calls from this company Source Receivables Management and would still receive calls. This account was closed down Im not understanding why it was opened back up again and report to my credit when it had been disputed.
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

In XX/XX/XXXX my husband died unexpected at the age of XXXX, the same time Owcen who was servicing our loan was than sold to Phh Servcing. I informed them of his death and in XXXX of XXXX they took him to court and proceeded forcloure on the property, i had to provided proof that i was his wife to become successorship with which the awarded in XX/XX/XXXX to recant it XX/XX/XXXX and than they award it again in XX/XX/XXXX when covid began they than would keep me in modifications every three months stating they never recieved my documentations, as i would continue to send back they would ask me again for the same paperwork, when i would call to speak to my relationship manager that i was assigned to i would have to wait 3 weeks or more for a call back never able to reslove any issues for they kept the cycle of failed converstations with different realtionship managers never the one assigned to me. 2 years in and i still am fighting with them about recyled paperwork as well as not awarding me successorship till this day ... this company has already been sued by the Attorney General of my state of NJ in XXXX for the same pratices. please help me save my home from another agency that is not part of the solution of homelessness... Concerned Widow
Consumer complaint received 2021-09-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC (NC)

I have received a copy of my transaction payment history with American Credit Acceptance. I got this loan in XX/XX/2019 and my payments are {$330.00} each month due by the XXXX. The interest rate is 28 % and am also under a simple interest loan with has a per diem. of {$7.00} daily interest. I have every payment and never been 30 days deliquent on this account. ACA has applied over 8 payments towards all of interest and nothing towards my principal balance. I have tried to call them and discuss this error and no one is able to assist me they keep trying to tell me its simple interest and I understand that however even though it is simple interest if I pay any payment before the due date I should have money applied to interest if paid before the due date and at no time should my full payment be applied fully towards interest if I am paying before the due date or not going over 30 days. I have tried my best to discuss this with ACA and I am getting no where with them. I work for a bank with mortgages and I know exactly how simple loans work and should apply to debt balances. Please review my payment history and have them update this payment on my credit report file as well as their file. Thank you so much!
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

When I requested my full consumer file on XX/XX/2021, I received a defective [ non ] response disregarding the " AND FILE '' portion of my request for my " Individual/Consumer File. '' I consider this negligent noncompliance pursuant to 15 U.S. Code 1681o and provide one opportunity to cure Respondent 's fault.

With regard to the improper response to my complaint : FULL CONSUMER FILE DISCLOSURE REQUEST PURSUANT TO 15 U.S.C. Section 1681g ( a ) ( 1 ) ( Not Request For Credit Score Report ) To Whom it may concern : Please send me in writing ALL INFORMATION in my consumer file at Experian as of the date that you receive this letter regardless of how or where it is stored ; pursuant to 15 U.S.C. section 1681g ( a ) ( 1 ), and subject to 15 U.S.C. section 1681h. Mask the first five digits of my Social Security Number in all writings you return to me.

In addition, I am requesting : 1. Pursuant to 15 U.S.C. section 1681g ( a ) ( 2 ), all sources of information in my consumer file at Experian.

2. Pursuant to 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ), the identification of each person that procured a consumer report on me from Experian.

3. Pursuant to 15 U.S.C. section 1681g ( a ) ( 3 ) ( B ), the name, trade name, address, and telephone number of each person identified under 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ).

4. Pursuant to 15 U.S.C. section 1681g ( a ) ( 4 ), the dates, original payees, and amount of any checks in my consumer file at Experian used to adversely characterize me.

5. Pursuant to 15 U.S.C. section 1681g ( a ) ( 5 ), a record of all inquiries received by Experian in the year ( 12 months ) preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate.

This is a request for a full file disclosure to include all obsolete and archived information as permitted by the Fair Credit Reporting Act. It is my first full file disclosure request for this calendar year from Experian.
Consumer complaint received 2021-09-29
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: LEXISNEXIS (IL)

LexisNexis is sharing my public information to several reporting agencies. I have dispute it with the agencies and they have not removed it as of now. I also mailed in a certified letter to LexisNexis requesting how did LexisNexis verify my bankruptcy? Where did LexisNexis get the information from?
Consumer complaint received 2021-09-29
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NJ)

I have concerns that Chase is not adhering to the Fair Credit Billing Act, as it relates to my rights to an equitable, timely, accurate, and fair dispute process. The Company is also failing to acknowledge and directly reply to my many inquiries, correspondence, and requests for information on this matter. Additionally, no one in the relevant departments has been made available to me to discuss my case in detail, to achieve a mutually satisfactory resolution, despite multiple requests and unreturned messages. Lastly, I have been refused in my requests to pursue arbitration on this matter, which I believe is my right. 

I have had prior CFPB complaints regarding Chase, but this complaint pertains to entirely new issues, as Chase in its recent correspondence to me and the CFPB ( dated XX/XX/2021, attached ) has made a number of new omissions, misrepresentations, and/or mistruths, apparently in an attempt to uphold its original improper judgment. The at best disingenuous nature of essentially all of Chases responses in this letter highlight the need for a third party arbiter to cut through the noise and sanction the Company for its failures.
Consumer complaint received 2021-03-11
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: AMERICAN EXPRESS COMPANY (PA)

I Have Filed A Dispute In Regards To The Incorrect Items On My Credit Report. it Has Been Well Over 30 Days And I havent Received Any Investigation Results.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2021 I called Chase Bank and requested the full payoff for my credit card. The amount they said was {$3900.00} total which I paid that day while on the phone with them ( Confirmation # XXXX ). 

On XXXX, 2021 I received an " action needed '' bill from Chase in the amount of {$25.00} for interest owed after the payoff. I called Chase Bank three times speaking with different levels of representatives each time trying to get this removed. Two of the three representatives hung on me and the third one said they would not remove the charge. 

I feel that this interest charge is not due as the account was paid in full and closed on XXXX XXXX
Consumer complaint received 2021-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

i have a duplicate debt on my credit report from the same collection company for the same amount and i've never seen a bill for either but i was only in the hospital once so there should not be 2 collections with the exact same amount. I have tried to get them to send me confirmation of the debt but i only get it for one of the bills and not for the other but there is 2 on my credit report. I am asking for help to get them to remove the one of the collections with the 3 credit bureaus since they can't provide me proof of both. Anything you can do would be greatly appreciated. Thanks
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (CA)

My car loan for a XXXX XXXX XXXX with JPMCB was paid in full back in XXXX. Soon after JPMCB sent us the title to my vehicle as normal when you pay off a vehicle. However, JPMCB is reporting to XXXX that there is still a past due balance of {$1100.00} and this account is in collections. How can we have the title received from JPMCB if we still owe a balance. This account is paid in full.