davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
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: EQUIFAX, INC. (TX)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX XXXX
Consumer complaint received 2022-12-30
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

PayPal account ( XXXX ) I have XXXX in my PayPal account. On XX/XX/XXXX, Suddenly my account has been permanently limited. I did not receive no email or any communication stating my account was limited or why. I called and was told that all I needed to do was upload documents ( id and bank statements ) after that I called and was told i had an old account with a negative balance and needed to pay that balance. I had funds transferred from this account to that account to cover that negative balance on XX/XX/XXXX and was told that I will have access to my funds within XXXX XXXX. I called today XX/XX/XXXX and was told that I am limited due to transactions ( i verified that I was sending money to myself as I was having issues with withdrawals ), and they told me still that I had to wait 180 days to have access to MY MONEY!!!!! I am at risk of XXXX and this is unfair. There's no way that they need to hold on to XXXX for 6 months. I have not ever received and mails regarding any communication Ive had with them. I believe they are attempting to steal my money. Please help me resolve this issue.
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (TN)

I am disputing a debt that has already been paid in full with Wakefield and Associates. I sent a USPS-certified letter of debt validation and dispute with a court copy of the account paid in full. XXXX XXXX signed the delivery slip of my certified letter, showing delivery of my letter. Wakefield never contacted me, never sent any debt validation, and have started reporting negatively on my credit since XXXX of 2023.
Consumer complaint received 2023-12-29
Product: Credit reporting 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. (AL)

I have several fraudulent hard inquiries on my credit report that I need deleted. Such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-31
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. (GA)

In accordance with Fair Credit Report Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and clearly in violation of 15 USC 1681 . Both accounts are reporting illegal late payments and inaccurate days of these late payments. 

15 USC 1666b says .... A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-03-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

My wife and I were under contract to refinance our mortgage with Freedom Mortgage, with the closing scheduled for XXXX XXXX XXXX XXXX on XX/XX/2021. The notary never showed up for the appointment and didn't even have the courtesy to call us to let us know he wasn't coming. When we tried to reach out to our licensed loan officer at Freedom Mortgage, he did not respond to any of our phone calls or emails. Now we have to make XXXX 's mortgage payment that we were supposed to skip and pray that we can continue the process on the same terms now that our loan approval has expired.
Consumer complaint received 2021-03-18
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. (MI)

On a multitude of occasions. I've both contacted the original company XXXX XXXX as well as Experian in regards to inaccurate and fluctuating High Balance information and ask that it be deleted from my consumer file. They continually refuse to do so. On 3 seperate occasions I've sent my request to Experian only for them to return claims of accuracy. They have been deleted from XXXX XXXX XXXX but for some reason no one at Experian will check to validate & verify my claim. Who did they call, where did they check and who did they talk to and at what agency or company? With each dispute they either keep moving around one word or the fluctuating balance. I am asking you to please mediate before my last resort of seeking legal matters to rectify this wrong. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-18
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. (NV)

There is a collection company on my Experian report that does not belong to me. It doesn't show on my other bureaus. I have filed for id theft. Please remove this credit from my reports because this has left me homeless. Thank you.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Back on XX/XX/2020 I send in additional PRINCIPLE ONLY payment of {$45000.00} which XXXX XXXX XXXX mis-applied to future monthly payments. Only after previewing the payment history I made contact with XXXX which did admit fault and finally did a reversal on the payments and re-applied to the principle payments only. XXXX for some reason canceled my auto-pay monthly payment setup and received a foreclosure letter in the mail that I was two month delinquent which I promptly got current. Meanwhile the supervisor at XXXX promised me that he would talk personally to their credit dept to make contact with the credit bureaus to make sure my credit score was not effected just because of their fault. I checked with credit and I had a high XXXX credit rating and my wife XXXX credit rating which now is low XXXX 's and cant get anyone at XXXX to make the correction. I had been dealing with a XXXX XXXX XXXX XXXX ID No. XXXX ) at XXXX that had made the promise he would hand walk their mistake through, which he has not.
Consumer complaint received 2021-03-18
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. (CA)

I stayed at the resort once but only paid for the room for the time I was there and was forced to attend a presentation. This account is not mine as I did not purchase anything from them. They had all my personal information and brought out a bunch of paperwork and contracts for a vacation package. I declined the offers, they had my ID and other personal information. I realized they took my information to process transactions & opened an account without my consent. They have been billing me and I've made payments just because I don't want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. This is a scam. I do not have a legitimate account with this company. I had been defrauded and taken advantage of. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but Ive had no responses. Ive sent out requests to XXXX  and TransUnion and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-03-18
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  Transunion Im Writing to you today in shock due to the fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

Todays date Accounts is being reported with 2 different prices under date last active. If this is the same account being reported by the same creditor why is the information different? 



XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX TRANSUNION Account Name : XXXX XXXX  Account Number : XXXX Balance:XXXX
Consumer complaint received 2021-03-18
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: HCFS Healthcare Financial Services of TeamHealth (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-18
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. (NH)

I had disputed the following transaction with chase bank : XXXX - {$14.00} from XX/XX/2021 iI had raised this dispute because I had purchased a pack of chocolates from XXXX  and when I got home and I opened the box, I saw that half the chocolates were missing so I went back to the merchant to return it for a refund as its wasn't my fault that half chocolates were already consumed but the merchant refused to refund me so I called chase dispute department to file a dispute and the lady over from customer service was so XXXX, she asked me questions and I answered her and she told me that I have to wait for 15 days to get a refund from the merchant? Are you serious? The merchant clearly told me that they are not giving me a refund for anything and the lady over chase kept arguing and hung up on me.
Consumer complaint received 2021-03-18
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: HCFS Healthcare Financial Services of TeamHealth (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Unisa, Inc (MA)

I had a Perkins loan through XXXX XXXX University that I was paying through the loan servicer, XXXX, along with some other student loans. I graduated in XXXX and began paying on these about 6 months after that. In XXXX, my loans from XXXX were transferred to a different servicer, XXXX, and I then continued paying them. 
Recently, I received a full credit report from XXXX  and was made aware that this Perkins loan was in default, dating back to XXXX when my loans were transferred from XXXX. After contacting XXXX XXXX University on XX/XX/XXXX about this I was made aware that this Perkins loan was actually transferred to a loan servicer, UNISA, and not to XXXX with my other loans. 
However I was never contacted by UNISA or XXXX XXXX to be made aware of this change in servicer. Therefore I had no information to make payments and I believed I had been paying this Perkins loan through XXXX along with my other loans that were previously with XXXX. Once I found out this information I immediately paid this Perkins loan off in full on XX/XX/XXXX so that it was no longer in default.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (MI)

I received a text message stating that my stimulus check was loaded on my Netspend card on XX/XX/XXXX. XX/XX/XXXX I tried to pay a bill but it didn't process my request. I have tired calling Netspend over 250 times. A recording came on and asked did try making a request for XXXX dollar to XXXX XXXX if I didn't press 2. How do I resolve the problem if they refuse to answer the phone. I need to get this resolved so I can pay my bill. My name is XXXX XXXX XXXX email address is XXXX. Any help would be appreciated.
Consumer complaint received 2021-03-18
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. (NC)

As lenders continue to offer struggling borrowers payment accommodations, Congress last week passed the CARES Act. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. The continuation of reporting such accurate payment information produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. 

In XXXX of XXXX I lost my job and immediately went to my bank and requested a forbearance and got one beginning on XXXX of XXXX. I made the monthly payments of XXXX as agreed upon in the forbearance plan. In XXXX of XXXX I got a job and immediately asked for a loan modification. I still was making the XXXX for the foreberance payments and I received the trial modification paperwork in XXXX of XXXX. I was to make XXXX, XXXX and XXXX payments of XXXX + in order for the loan to totally be modified. I made each of these payments on time and in fact early for XXXX, XXXX and XXXX. The bank has reported that I was late for XXXX XXXX and XXXX on my credit report. According to the statement above with the CARES act this should not of happened. I need this corrected as I am having trouble with getting any credit with the bank reporting I was 90 days late. You can not get through to anyone to fix the problem and that is why I am filing this complaint.
Consumer complaint received 2021-03-18
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. (NC)

I demand the deletion of the fraudulent account listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2015.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Thomas Agency, Inc. (ME)

Paid off a debt from the Thomas agency on XX/XX/2021 that was 6 years old and they refused to do a settlement they denied the dispute. So dished out the full amount and now they wont send me a letter of proof that this will be removed from all 3 credit bureaus, also refuse to send it to have taken off ASAP which its an urgent matter to have to this removed as soon as possible. Talked to two supervisors and two different repenstives and they were no help at all. This is an urgent matter were trying to buy a house and we only have so many days to get this taken off OR proof it will be taken off. The second guy I talked to was rude and made me sound like a liar. Not impressed.
Consumer complaint received 2022-12-30
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 am intrested in disputing all incorrect information on my credit report with Equifax. checking my file ive noticed alot invalid data that is stopping me from approvals. all credit reports are not XXXX XXXX accurate. please update all listed information.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Harley Davidson Financial Services Inc (DE)

My payment is due on the XXXX of each month, I have explained to them that my husband is sick, and they start calling me on the XXXX in the morning at XXXX and then every 30 minutes after that until XXXX, and this goes on for days. they continue to call until I pick up the phone. They should not be allowed to call this may times in one day.. That is over 8 times a day.. this is harassment.
Consumer complaint received 2023-09-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: RENASANT CORPORATION (GA)

My mortgage company is attempting to foreclose on my property with a complete modification package in their possession this a violation of Federal Laws. They received the workout package and while reviewing for a loan mod my account was referred to their foreclosure attorney XXXX XXXX XXXX. This is defined by the Frank Dodd Act as DUAL TRACKING. This company refuse to help me with a modification for over 5 months. Once my loan package was received they forward my loan for foreclosure in order to take over a million dollars in equity. I feel this is racially motivated because I am a triple minority living in a predominantly XXXX area with nearly 2 million dollars in equity. 

I also mailed a QWR 4 months ago and they never responded.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (IL)

The problem is that the mortgage officer keeps asking for more information. They were not up front about what information they needed. Finally, they asked for a quit claim deed. My attorney stated that he thought that they did not know what they were doing. Time after time after time they kept asking for more documents. I refused to submit a quit claim deed. I want a approval and a closing date or return of the appraisal fee they robbed me of. I want to know who else has had problems with this company. 

And rates have gone up since I applied for this loan and locked in at the rate.