davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
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: Experian Information Solutions Inc. (FL)

I am trying to correct some information on my Experian Credit Report. Their website is very misleading and they try to trick me into taking out a membership where you have to pay a monthly fee for. I have been trying to log in/create an account to dispute credit inaccuracies and I am not able to do so. The site keeps stating that my password is incorrect even after several attempts to reset it. I try to submit documents to verify my identity and I get a message that my documents were discarded. I try to call the phone number listed on the site and I am not able to get in contact with anyone for assistance. Again the automated phone system refers me to the dysfunctional site.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 XXXXThe purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Kindly investigate my claim by the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report.
Consumer complaint received 2021-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (UT)

Spring oaks capital sent a notification to the credit bureau that the debt was disputed by consumer and verified. It's a valid debt. However they reported this without verifying the debt with me. Ive never heard of them before and have no reason to believe I owe them any money. 

They didn't send me anything to show they have a right to collect on this debt including transfer of ownership nor proof that they can collect in Utah as I requested. 

Also they were supposed to send me a letter outlining their process if a debt is verified. How payments are handled and then whether reporting continues, etc. They called me 3 separate times complaining I hadn't responded however I never received anything from them at all. The third call I gave a different email in case that was the issue. I had checked my spam but nothing from them at all. When I gave other email I was told their supervisor probably wouldn't want to put any more effort into trying to " help me '' but they'd see. 

Next thing they report the information that it was disputed etc as mentioned above. However never followed through number one with the information requested about their company 's practices as promised. But also never even verified the debt in the first place. They continue to call me several times a week and still are reporting to XXXX.
Consumer complaint received 2020-04-09
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. (FL)

RE : TransUnion XX/XX/XXXX, began making requests to update mortgage payment information. Contacted XXXX XXXX  and verified XXXX submitted mortgage payments update XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Between XXXX, XXXX and XX/XX/XXXX, I spoke repeatedly with the Special U.S. Handling Team and they indicated repeatedly they were updating my report. 

XX/XX/XXXX, I spoke with XXXX XXXX, Supervisor in the U.S. Special Handling Team Department, TransUnion. She specifically stated " No one would be making the updates/corrections to this account. '' RE : XXXX   XX/XX/XXXX, we began requesting the same mortgage payment update. After paying their monthly fee and filing repeated complaints, no update has be made to my credit report. 

RE : XXXX  XXXX my credit record XX/XX/XXXX.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NJ)

I contacted Loan Depot in XXXX XXXX, CA about a refinance on XX/XX/2021. They collected all of my information and stopped returning my calls or responding to inquiries. I made attempts to call and email them on several occasions, including XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. They are not responding. However, I received a call from my insurance company that they changed themselves to be the mortgagee on my policy. I don't have a mortgage with them. We never closed.
Consumer complaint received 2021-03-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Found debt on my credit report ... .realized that account wasn't mind and i needs reporting company to provide physical contract/validation. This debt is causing harm to my life as it pertains to my finances. I need to be provided validation of debt within 30 days ... .or debt needs to be removed. 

XXXX : Portfolio Recovery A Opened XX/XX/2020 {$520.00} Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Portfolio Rc Opened XX/XX/2020 {$520.00} Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX A
Consumer complaint received 2021-10-14
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: WELLS FARGO & COMPANY (WA)

I was a victim of a scam between XX/XX/XXXX-XX/XX/XXXX. The scam was by impersonating a job ( XXXX XXXX which is based in XXXX not in the United States ) that seemed to good to be true. Sadly since there werent any red flags, they had my social security number which led access to my bank account. Around XXXX I started realizing things were getting fishy when things went south There are charges that I did not approve- XX/XX/XXXX {$210.00} XX/XX/XXXX- {$7600.00} XX/XX/XXXX- {$1600.00} XX/XX/XXXX- {$5000.00} The bank was notified and I called about the fraud transaction. There were multiple transactions which they got resolved. the four listed above were not. 
I recieved a letter that " they were requested through a secure online banking session using your username and password. After reviewing all the information available to us regarding the transactions you are disputing we have determined that the transactions were made by you, or someone who had your authorization ''.
Consumer complaint received 2020-03-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

We closed on our home on XX/XX/XXXX. This mortgage has been paid in full. Freedom Mortgage remitted our escrow refund for accrued taxes in a fairly timely manner. Because our homeowners insurance was escrowed as well, XXXX ( our homeowners insurance policy holder ) refunded the overpayment of our policy back to Freedom Mortgage in the amount of {$870.00}. This was received by Freedom Mortgage on XX/XX/XXXX. They admit they need to issue a second escrow refund but they can not seem to figure out how to do it in the system and get the overpayment remitted back to us. I have called multiple times, they have put notes in the system, I have asked to speak to a manager, which they deny. They said a manager will return my call, which they do not and it has been six weeks and they still have possession of my funds.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Hi. 
I was reported by XXXX XXXX 30 days late for XX/XX/ and XX/XX/. Im XXXX XXXX and my business was closed due to government order for pandemic. My XXXX  was closed for XXXX, XXXX, XX/XX/ XXXX I called XXXX and ask them to defer the payments around XXXX, and they were ok with that but still they reported me. This was during middle of pandemic and im requesting help to remove this late payment from my credit report. We are back to business now and still trying to survive.Its affecting my score drastically for any kind of loan applicaion
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MO)

On XX/XX/XXXX I entered a XXXX XXXX transfer from my PNC checking account to my mother 's checking account at XXXX XXXXXXXX XXXX for {$25.00}. When I entered the transaction through my online banking portal with PNC, the system confirm on the screen stated funds would be received in my mother 's account by XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I called PNC Bank because my mother indicated the funds still had not come through. The PNC rep I spoke with indicated there was no indication of any XXXX XXXX transfer on the system, indicating I had either not entered it or somehow had made a mistake. This was very frustrating, as the online system had indicated my transfer had gone through and that the funds would arrive by Thursday, XX/XX/XXXX ( 2 business days ). The rep stayed on the phone with me while I entered a new transfer. She verified it went through and she could see it on her end. Both the online banking system and the rep stated the funds would be in her account by Thursday XXXX ( 2 business days ). The rep also verified XXXX XXXX XXXX participated in the XXXX XXXX  program so there should be no issue with my mother receiving the funds. 

On Tuesday XX/XX/XXXX, I entered another XXXX XXXX transfer for {$45.00} from my PNC checking account to my mother 's XXXX XXXX XXXXXXXX checking account. Once again, the system indicated the funds would be received by Thursday XXXX ( 2 business days ). 

On Thursday XX/XX/XXXX, my mother indicated the funds still did not show in her account, nor were there any pending deposits. On my end, the PNC online banking system showed my account had been debited for both the {$25.00} transaction and the {$45.00} transaction, with a posting date of Wednesday XX/XX/XXXX. I called PNC Bank and the rep stated I should give it more time ; she stated the funds may not show up until XX/XX/XXXX or XX/XX/XXXX. She could offer no explanation as to why this happened and offered no solutions on how to rectify the problem. 

My mother called XXXX  XXXX XXXX directly and they indicated they, in fact, do NOT accept XXXX XXXX. I called PNC Bank back, and the rep, who was extremely condescending, stated the only way to get the funds back at this point would be to dispute the transaction, and that it would take 10 business days at a minimum to dispute the charges. She gave no assurance the situation would/could even be resolved, leaving me with no resolution. When I asked to speak to a supervisor, I was put on an endless hold. After at least 30 minutes of waiting, I had to hang up. 

So as of right now, my PNC checking account has been debited a total of {$70.00} and I was given no assurance it would be credited back ; I was only told I could dispute the transaction.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (VA)

I have used American Express Serve as my online banking for several years. On Wednesday XX/XX/XXXX I tried to log into my account and my password wasn't working. I then was prompted to call Customer Service to have my account unlocked. I called Customer Service and was told that my account was closed and I no longer had access to the account. I was told that the reason was noncompliance of member agreement?!?! I have over {$5700.00} in my reserve Savings account. The checking account is my primary banking account for all my government issued direct deposits and unemployment benefits. I had recently transferred money that were stored in other Savings accounts like XXXX, XXXX XXXX, XXXX, and XXXX XXXXXXXX. The customer service representatives have been very rude and given very little information about what is going on with my account/money. That is all the money to my name that they are keeping from me with no explanation of what I did wrong. I have done nothing illegal or even suspicious to cause them to take such actions against me. Please help ... .Thank You
Consumer complaint received 2020-04-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (TX)

Im on government XXXX and receives XXXX a month for the past two years now all of a sudden this might someone has taken {$430.00} out of my money for no reason and no one that handles my funds can you give me a reason why because everybody Ive talked to the attorney general and even Social Security people have no idea of whats going on and they keep just telling me its nothing they can do. I recently just had a XXXX XXXX XXXX  and I need I have to pay for medicine and other expenses including my rent and now I cant even afford it and Im leaving the hospital here in within two days with no funds in order to pay my rent, Even the supervisors has giving me different stories on who has the money and what can be done pretty much nothing can you please help me.
Consumer complaint received 2020-03-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

on XX/XX/XXXX my account got tranferred from a mortgage company named XXXX which I was filing a law suite agaist them, for making up an escrow account and adding all my montly payment to that escrow account without my concent, and my money was sent and used to pay taxes on other property that had nothing to do with mine, .. i had to hired a lawyer by the name of XXXX to correct everything and it was a long process, untl he informed me that the company was declared bancruptcy, and I had lost more money as well as the attorney fees, so then my account was bought by shellpoint, basically XXXX XXXX transferred my account with only one payment that i had paid to previuos company and also with a balance amount that it was owe to me, and since then I have been struggling with this new company back and forth playing games with me, no oe seems to care or understand my fustration regarding my previous experience and now is a nightmare, I am living the same problem over again and this company is a disaster. I have spoken to several PEOPLE SINCE I FOUND OUT THAT I HAVE TO PAY THEM EVERYMONTH, WHICH I UNDERSTAND THAT IS MY RESPONSABILITY, BUT IF THEY DONT HAVE THEIR RECORDS CLEAR, I LOOK LIKE I AM BEHIND WHICH I WAS TOLD BY THEM TO WAIT TILL EVERYTHING GETS CORRECTED TO MAKE TE CORRECT PAYMENTS, WELL IT HAS BEEN 6 MONTH AND UNTIL TODAY ALL I GET IS HARASMENT LETTERS, DEFAULT LETTERS, THEY HAVE REPORTED MY CREDIT AND HAVE MADE MY ACCOUNT LOOK DELIQUENCY, AND YET EVERYONE OR SUPERVISOR CALLS ME THAT IT WILL BE CORRECTED AND I AM REALLY UPSET, AND DESPERATE IN NOT GETTING ANYWERE ... PLEASE I HAVE HISTORY OF PEOPLE THAT I HAVE SPOKEN, EMAILS I HAVE SENT, COPY OF CHECKS CASHED BY THEM, BUT MY SITUATION IS STILL NOT CLEARED AND CORRECTED, SO THIS HAD LED ME IN REPORTING THEM TO FEDERAL TRADE TO HELP ME RESOLVE MY PROBLEM SINCE ALL THEY DO IS IGNORE ME. ON XX/XX/XXXX. I PAID THEM A CK # XXXX FOR {$770.00} ON XX/XX/XXXX I PAID THEM CK # XXXX FOR {$770.00} ON XX/XX/XXXX I PAID THEM FOR XXXX, PLUS XX/XX/XXXX AN XX/XX/XXXX WITH CK # XXXX UP TO NOW IM UP TO DATE AND THEY KEEP BILLNG ME FOR {$5800.00} AND NOW ANOTHER BILL OF {$3400.00} WHICH DOS N'T ADD UP AND DON'T KNOW WERE MY MONEY IS GOING TOO.. MY ACCOUNT IS STRICTLY PRINCIPLE AND INTEREST ONLY! I PAY YEARLY TAXES AND INSURANCE DIRECTLY TO TAX COLLECTOR AND TO INSURANCE COMPANY TO INSURED HOME,, THE BANK SHOULD NOT WORRY ABOUT THAT BUT ONLY THE PRINCIPAL AND INTEREST. THIS IS NOT GETTING CLEAR ON THEIR END ... PLEASE HELP ME FIX THIS, ASAP THEY HAVE REPORTED TO MY CREDIT WHEN, WHENN I  HAVE AN EXCELLENT CREDIT, THEY HAVE HARMED ME IN ANY WAY,, I PAY THEM AND THEY REPORT ME LATE AND DELINQUENCY WTH THEIR COMPANY, PLEASE MY NUMBER IS XXXX. MR . XXXX XXXX, FOR ANY QUESTIONS.THANK YOU
Consumer complaint received 2020-04-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (CA)

On XX/XX/XXXX, I spoke to the financial westlake financial servises, to request an extension of payment, since on XX/XX/XXXX I have to pay it, I explained that the company for which I work closed due to the pandemic of the coronavirus indefinitely, I explained to them that I could not have my payment since that company only paid us a week of salary, the person who attended me by phone told me that I had to pay {$50.00} dollars to make the application for the extension so that they would approve it, pay the amount that was asked of me and I was calling said finance company daily and they had not solved anything for me, it was not until yesterday that I called again and they told me that the extension that they only give me 10 days after the day that I have to pay, I told them that I can not pay them that day then they told me that if I do not pay that day for the month of XXXX I would have to pay the month of XXXX and the month of XXXX, to which I replied that I was not going to to be able to make both payments because I do not know what day I would return to work and besides I have food and rent expenses. They just told me that nothing can be done, help me thanks
Consumer complaint received 2020-04-09
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)

I sent certified first class letters to Experian National Consumer Assistance Center on XX/XX/2020 to dispute my personal information, inquiries, and the account ( s ) that should be closed and deleted due to the accounts moving to collections. The only thing that was changed was the inquiries. I was sent a letter saying that they will not reinvestigate the items I requested to be deleted because they were verified. The accounts that I am asking to be deleted are closed and should not still be reporting on my credit report. Thank you.
Consumer complaint received 2020-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

i SEND A LETTER TO TRANSUNION ON XX/XX/2020 AND THEY ARE USING TACTICS, DONT WONT TO VERIFY THE DISPUTES SAYING THAT THE LETTER CAME FROM A CREDIT REPAIR COMPANY WHICH IS NOT TRUE.THIS HOAX NEED TO BE STOPPED AND CONTINUE WITH THE PROCESS OF VALIDATING MY REPORT
Consumer complaint received 2020-12-23
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I opened an account with paypal months ago and have made purchases with it, with no problem. Today, however, I sold an expensive plan locally. The person asked to pay with paypal and I allowed them to do so. They paid, then got in their car and drove away. Paypal decided to place a hold on the {$600.00} until I ship. But there is nothing to ship, they paid locally. I messaged the person and asked that they go onto paypal and marked the transaction as received but they just blocked me. So now they have my plant and the money. Then on top of that, paypal is now saying there is some issue with my account so it's frozen and I can't withdraw money. I've NEVER had another paypal account. I have had serious cases of identity theft, which has been reported. This is my first ever paypal account and now {$600.00} that I needed to pay for my dogs XXXX, to save his life, is not going to be given to me. Paypal is literally killing my dog.