davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-07
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. (VA)

On XX/XX/2021 I was applying for credit and needed to lift security freezes that I have in place with the three credit reporting bureaus. 

In several minutes and with the few clicks of the mouse, I was able to successfully lift freezes at XXXX  and XXXX. However, I was not able to do so with Experian. 

After submitting my information along with a unique PIN identifier, I received notification that Experian is " unable to honor my request based on the information provided '' and that I needed to submit in writing via mail a copy of this notification from Experian along with additional paper copies of a government ID, utility bill, and Social Security card. 

This is a difficult request to fulfill in the era of COVID as I, like many, do not have easy access to a printer. Furthermore, Experian did not provide an email address through which I could submit copies of the required information. One can apply for credit from a bank completely electronically ; however the same can not be said about unfreezing your credit with Experian. 

Moreover, Experian 's customer service hotline pushes users to automated prompts and does not give one the option the speak with an actual human being about this problem.

I would like Experian to have an easy way to interact with actual people on their customer service hotline ( as opposed to automated prompts ) to talk to someone about unfreezing my credit by means other than paper mail during a time when many people simply do not or can not easily get access to paper documents. 

Thank you.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (MS)

I have an account with paypal and i talked to them sunday and they told me there is a hacker using my name to buy credit cards and open accounts in my name they have five cards under my name. There was a direct deposit on my paypal on XX/XX/XXXX of XXXX and i spent that money for about five days and then on the XXXX they say i cant use paypal anymore because there has been a fradulent activity so i changed my paypal information the person hasnt touched that money but the person is using my name to buy credit cards or something. I am the owner of my paypal account and now i cant use my paypal mastercard because this person red flagged both of my accounts i still have XXXX i havent been able to touch since the XXXX this month paypal was making me buy XXXX XXXX  XXXX  so they could acess my account and remove the cards so i can use my money again but i feel like i shouldnt have to pay to have my paypal account back unfozen but paypal on this number told me to buy these cards there number is XXXX they told me dont tell the cashier at XXXX  XXXX  what i am doing and XXXX  XXXX  called the police on me and said my card is stolen witch it has my names on them i showed them my id and showed them that its the same cards that was saying there stolen they let me go but they told me to file a fraud report to get that settled and i can use my card again.
Consumer complaint received 2021-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I don't owe this debt. Portfolio Recovery is attempting to collect on a debt that is not owed to them. They are continually harassing 's me asking me foe money after I all ready requested the cease all contact. I am in the process of filing a law suit in regards to this matter. They have yet to prove or send any validation that I owe this debt and it is negatively effecting my credit rating. Their information is false and misleading
Consumer complaint received 2020-09-29
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: CBC Companies, Inc. (GA)

I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interest and has diminish my ability to get credit. Please help me.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NJ)

I was out of work for over a year and a half starting back in XXXX of XXXX. Ive been back working a little over XXXX months now. But during this hardship I faced I have not been able to keep up with my monthly payments. Unfortunately I missed XXXX payments on my account dating back to XX/XX/XXXX and more recently in XX/XX/XXXX which has dropped my credit score significantly. l have called asking for help to remove those XXXX 30 day derogatory marks off my credit report in turn supplying good faith that I will not miss another payment moving forward. But they cant help me in that aspect Ive been told repeatedly though they did remove some of my interest amount off my account which was very kind of them in that regard. This pandemic has beaten me down financially I have no savings at this point Im trying my best to correct my financial status and my credit is vital in that aspect. I would really appreciate some help with this issue. My payments have always been on time besides these XXXX unfortunate events. Ive still remained a loyal customer to this retailer despite all that has occurred.
Consumer complaint received 2021-02-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (ME)

On XX/XX/2021, I placed a call to PNC Bank and was advised by a customer service representative that they would not be able to reverse five overdraft fees accumulated XXXX {$36.00} each ). However, I signed up on a {$300.00} bonus that was supposed to have been disbursed in my account 3-4 weeks ago and I have never received the bonus. I received my direct deposit through them for months and have never received the promised promotional bonus amount.
Consumer complaint received 2020-09-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SFMC L.P. (TX)

I have been asking for an escrow refund since XX/XX/XXXX. Here are the details : Service First Mortgage issued an Escrow Refund in the amount of {$2900.00} issued on XX/XX/XXXX to XXXX XXXX XXXX, on property located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX. My Father, XXXX XXXX XXXX was the sole borrower on the Service First mortgage loan, however I, XXXX XXXX was an authorized user on this account, as well as being named co-owner of the Deed of Trust since XXXX. I currently and legally retain 100 % sole ownership in the property. 

I cared for my Father in our home together at XXXX XXXX XXXX XXXX, until he passed away on XX/XX/XXXX. I continued with the mortgage payments until I was financially able to pursue the legal process to have my Father removed from the Deed, and have the property refinanced in my name. Service First was paid in full for this mortgage on XX/XX/XXXX, as a result of being refinanced in my name. 

I spoke with the service representatives MULTIPLE times and provided them every single document they could possible need including the following items ; DEATH CERTIFICATE ORIGINAL WARRANTY DEED HEIRSHIP AFFIDAVITS NEW TITLE COMMITMENT SERVICE FIRST PAYOFF STATEMENT FINAL CLOSING STATEMENT PERSONAL IDENTIFICATION They have failed to issue me the refund for escrow overage and it has been a year since this loan was paid in full. I refinanced the home in my name. Please help me get the funds I am due. thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

My loan was paid in full on XXXXXXXX XXXX  as it reflects on my XXXX report. 2 weeks after I paid, the payment dissappeard with out explanation. The they go on to making any other payments impossible to make because the blocked my only account to pay them.. not right at all. They were paid the full amount. Just check out transactions for XX/XX/XXXX on XXXX profile or I can provide the screenshots as I did with XXXX dispute but they did not change outcome even with clear proof
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NC)

Billing statement was returned to Synchrony bank for no reason caused by me. I had always paid bill on time at Lowes in person. Synchrony stopped use of card due to lack of payment. Ispoke to representative and asked for another statement to be sent to my same address. I called them upon receipt and gave my bank information to have direct payment made. The rep for Synchrony said payment went through and was credited the amount of XXXX which was balance as of XXXX. The following month a received a statement for {$42.00} which I paid. Then i received a notice that my bank did not pay the XXXX. I called Synchrony and they said I only owed the XXXX. On XX/XX/XXXX I opened a correspondence stating that they had issued a credit to my account for the amount not paid supposedly. I went into local Lowes and was told I owed nothing per their records. They are not linked to Synchrony so they have no cross check to see what is on a card. On XX/XX/XXXX another correspondence from Synchrony stating that the XXXX cancelled check was never cashed by Synchrony so that is why it was not posted to my account... I went to XXXX which is my bank and got all information regarding my account and no where does it show Synchrony requesting these funds. Sychrony has reported this to credit bureaus which is bogus after all I've done to pay this.
Consumer complaint received 2022-11-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc. (NC)

My credit report states that I owe {$1500.00} to Paragon Revenue Group. I called Paragon Revenue Group and was told that this was the correct amount and was given my account number to make payments. When I enter my account number and attempt to make payments, the balance of all accounts totals {$2300.00}. I called XXXX in attempt to dispute the incorrect balance and was told the extra charges are from a balance that was previously paid and removed from my report, yet they are still attempting to collect it.
Consumer complaint received 2024-04-01
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: ADIR INTERNATIONAL LLC (CA)

I went to the XXXXuracao store to open a credit they say they have a balance since 2008 of more than XXXX XXXX dollars when the credit that was taken was for XXXX try to reach an agreement with them they want Page everything is extremely exaggerated what they are charging interest they don't want to give me more information if I don't carry a letter signed by a notary
Consumer complaint received 2022-11-07
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. (TX)

I am confused why I do not receive any response from the letters I am sending to the bureaus. I recently discovered that they are shredding letters that they think came from credit repair services. This is unlawful, they are violating my consumer rights.
Consumer complaint received 2020-09-29
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: EQUIFAX, INC. (MS)

i have sent XXXX, Equifax and XXXX SEVERAL LETTER trying to resolve this matter. In XXXX, i sent letters asking each individual credit reporting agency to verify the bankruptcy they are reporting on my credit report. XXXX has deleted the unverifable bankruptcy from my credit report, However there are several accounts that i have disputed and they are CONTINUING to report INACCURATELY information on my credit report. I have sent several letters back to back and they are not coroporating. 

EQUIFAX and XXXX  are also reporting inaccurate information on my credit report, and are refusing to ccomply with my disputes. Furthermore BOTH EQUIFAX and XXXX  are claiming that they verified the bankruptcy from XXXX XXXX, attached below you will find where XXXX  XXXX has DELETED the information due to it being unverifable. However EQUIFAX and XXXX  who claimed they got their information from XXXX XXXX has refused to remove the inacurrate information and its been 6 whole months since i sent them PROOF to have the information deleted. 


I have found an FCRA Attorney from XXXX and XXXX XXXX and they have informed me that i can sue XXXX, XXXX  and EQUIFAX for inaccurate reporting and defamation of character.
Consumer complaint received 2022-11-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXXXXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX : {$960.00}
Consumer complaint received 2021-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tower Loan of Mississippi, Inc. (MO)

Was not properly served. I contacted law office and explained the process server lied and said they served the the papers to someone name XXXX. On XXXX. I was not properly served. No one one was even at home that day and the time is not on the Server order. In fact I was not home the entire week. I would like them to discribe the person that was served. Attorney XXXX XXXX from the XXXX XXXX XXXX XXXXXXXX XXXX said he would contact the Process server. And I never heard back regarding it. Also Tower Loan was untruthful is stating I did not call their office in XX/XX/2020. 
There has been 2 occasions where the truth has not been displayed. I agreed to pay monthly. Before Covid my payments where timely. After Covid I contacted Tower Loan to explain me financial hardship. I have missed only 2 payments during Covid due to several months of Quarantine. Being ill and evacuation do to XXXX XXXX outbreaks. Tower Loan is issuing a wage garnishment. I successfully paid off my first loan to Tower Loan. This 2nd loan was for my ex husband who did not repay what he committed to. So I was held responsible because it was in my name. I am asking for Mercy from Tower Loan company. I have been faithfully paying before Covid. A Garnishment would cause more of a hardship I am currently behind on my Mortgage payments as well. I live alone with no other financial help. I am requesting the Garnishment stopped and allow me to continue making monthly payments. I also want an investigation done regarding the process server if they lied about serving me than they can not be truthful on the process serving of othersXXXX XXXX XXXX XXXX XXXX XXXX has the contact information to contact the Process server who claimed they served me. I pray that Attorney XXXX XXXX will produce the documents of the process server for viewing. I believe there was Fraud involved in the serving process. Thank you in advance
Consumer complaint received 2022-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

One again, Convergence is hounding and harassing me for a matter that should have been settled already. They previously took off this false debt and are now putting it back on my credit report for the purpose of damaging my sense of self and harming my financial prospects. 

I did not realize it at the time, but this company has also been calling me daily. I did not realize that since my phone filtered those calls as spam, which I believe is indicative of the abusive tactics utilized.
Consumer complaint received 2020-09-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I applied for an FHA loan with Fifth Third bank the bank indicated I was the denied due to an error with the appraisal value which not accurate. FHA guidelines you must submit the lower appraisal on a flip property if the value amount come back 5 % higher or lower. My appraisal amount was {$79000.00} and {$79000.00} which either appraisal wouldnt made a difference to be FHA insured. The program I went through was the Key to Own homeownership to get the mortgage loan you must be FHA insured to close on the loan the bank knew before closing I wasnt FHA insured. Fifth third bank are responsible for lender Liability mortgage fraud with their practices of predatory lending. Im asking the bank to free and clear the remaining loan amount or Ill take legal action.
Consumer complaint received 2020-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

wow! this one crazy so I called a Lvnv funding llc and they told be I had " leased a dog '' XXXX!???? I told them no I did not they refused to delete and keep say this is my account even through the information does not match help!!
Consumer complaint received 2020-09-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

-- PERSONAL ACCOUNTS 2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

The past several weeks PayPal has refused to transfer money in my PayPal to my bank. They have no problem receiving money but won't release money. I've repeatedly both called and texted there customer service dept rather than allowing me to speak or chat with an agent they email me a link to there index of ( so called ) solutions.
Consumer complaint received 2022-11-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (KS)

I was sent an offer for personal loan from NetCredit. The email stated " check your eligibility '' " This won't affect your credit score. '' So I entered my information just to see the offer. I then received the notification " Congratulations You're eligible review and compare offers below '' I reveiwed the offers but did not go any further than that. I did not choose an option because at that point I was just seeing what type of loans they had. Next thing I know I get a letter by email from a company called XXXX  saying i've been denied and I checked my credit score and credit score dropped by XXXX  points to unfavorable when it was good earlier this morning. This is highly deceptive and fraudulent.

I have the screenshots of the company telling me I am eligible and then telling me congratulations.

I want to file a formal complaint and find out what I can do to retain my former credit score.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.