davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
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. (MI)

In XX/XX/2019, I requested copies of my credit reports due to XXXX breeches- there were several accounts listed I had no knowledge of. I disputed each unknown account to each of the credit reporting agencies and all of the accounts were removed, with the exception of a XXXX account on my Experian report. I have subsequently disputed the Petal account with Experian on numerous occasions and have requested investigations into the method Experian used in determining if the debt was valid. Experian/XXXX   have neglected to provide me with an original signed application that was used to open the account nor have either of them provided any itemized billing statements detailing the charges supposedly on the XXXX account. The only information I have been able to obtain is the partial account number listed on the Experian report. Due to Experian 's negligence, I have suffered account limit reductions on legitimate credit accounts, denial of new credit/loan and overall drastic drop of credit score.
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Here 's my complaint for anyone to read and judge. In XXXX I was with XXXX XXXX for my servicer and was a bit late with my taxes {$33.00} but managed to pay. My reason for not paying was medical. I had already a payment arrangement with my Tax Office and agreed to pay the late payment. I wasn't aware the Fannie Mae sold it or transfer it to Shellpoint /NewREz , an boy this company has bad ratings with consumers already. This company through XXXX contracted a 3rd party agency to check my taxes ( called XXXX, they shared later after speaking with them that Shellpoint added escrow and insurance which I've been paying myself for the last 5 years. I contacted the servicer and asked them why? their answer was they can do whatever they want. I felt as ex-military that my rights weren't of importance. Not only have they added escrow to my account and charging for past late taxes when they weren't the server then but also adding insurance to  my statement knowing that I've been paying on it and never behind or late. I believe we don't have any right in this world we live in now. It's a shame when someone doesn't even inform you there doing this. As of today XX/XX/XXXX, I am in forbearance until XX/XX/XXXX, and have mailed several payment and statement showing these payments not being applied and still being charged for insurance after my agent at XXXX send these idiots the 3rd copy of my insurance declaration page
Consumer complaint received 2020-10-02
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. (IL)

In XXXX I lost my job due to covid, I worked at a XXXX  and applied for unemployment. I did not receive my first unemployment check until XXXX. I reached out to XXXX when I got my first check and they asked for {$160.00} and I gave {$200.00} and was told that since I lost my job due to Covid 19 they won't charge me a late fee and it won't show up on my credit report. Also they put on my account that I was affected by a natural disaster. A month later in XXXX I see that they marked my credit as delinquency and called them right away. I spoke to the manager and they said it was a mistake on their end and will wave the late fee and will let all three credit agencies know that it was their fault and that I was not late. I also received a letter from the manger XXXX stating that they will inform all three major credit reporting on updating. I waited a month and still nothing was deleted. I have tried to depute it with the credit agencies for months now and nothing has changed. XXXX told me that I was not going to be punished since I lost my job and since were are in a pandemic and recession. I keep calling XXXX and they keep telling me that it will be deleted and still don't see it deleted on my credit report.
Consumer complaint received 2020-10-02
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. (IL)

In XXXX I lost my job due to covid, I worked at a XXXX  and applied for unemployment. I did not receive my first unemployment check until XXXX. I reached out to XXXX when I got my first check and they asked for {$160.00} and I gave {$200.00} and was told that since I lost my job due to Covid 19 they won't charge me a late fee and it won't show up on my credit report. Also they put on my account that I was affected by a natural disaster. A month later in may I see that they marked my credit as delinquency and called them right away. I spoke to the manager and they said it was a mistake on their end and will wave the late fee and will let all three credit agencies know that it was their fault and that I was not late. I also received a letter from the manger XXXX stating that they will inform all three major credit reporting on updating. I waited a month and still nothing was deleted. I have tried to depute it with the credit agencies for months now and nothing has changed. XXXX told me that I was not going to be punished since I lost my job and since were are in a pandemic and recession. I keep calling XXXX and they keep telling me that it will be deleted and still don't see it deleted on my credit report.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello, there is numerous credit inquires on my Transunion credit report that I did not authorize nor did I apply with those companies listed, I have filed complaints with Transunion directly and their customer service is rude and refuse to help me. I have sent letters to TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXX, PA XXXX, three times now and have never received any reply back. I am soon going to file a lawsuit if they do not correct my report. Below are a list of inquires that I have never applied or did business. 

XXXX/XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (VA)

This is related to my prior complaint ID XXXX filed against M & T bank. After filed my prior complainton on XX/XX/XXXX as my account had been blocked by almost 2 months without any feedback, I received a response on XX/XX/XXXX saying my account was unblocked. I was able to withdraw {$2000.00} from my M & T checking account to my XXXX broker account. However, the next day on XXXX I missed a phone call from M & T bank and then found out my account was blocked again. I called back and after being transferred several times I was transferred to the Bank 's Fraud Department. I was put into a voicemail saying I was No. XXXX on the phone queue and was told I could choose to let the Bank call me back. I entered the callback information and then waited for the Bank to call me back. It has been 9 days now since then, I never received a call back from M & T, nor any emails or letters. I also initiated calls several times and but my calls could never go through. This is the same pattern as last time- the bank has very poort fraud operations and does not put customers first!
Consumer complaint received 2020-08-05
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)

Requesting loan approval from XXXX XXXX XXXX XXXX XX/XX/XXXX. I pulled my Experian credit score and it was XXXX on XX/XX/XXXX. 

Received a call back from XXXX that day saying that my score from Experian was XXXX??? That can not be. My pull from Experian says XXXX. I had car loan with XXXX in XXXX got paid off ahead of time, My XXXX visa card and credit cards get paid in FULL monthly, I, m {$8000.00} away from being mortgage free on a $ XXXX house, total debt is only $ XXXX. My mortgage broker says I have an excellent rating for a credit score. She doesn't understand either. 

To get a 1.99 % i need a XXXX score or above. They denied me that rate. They want to charge me 3.99 % .interest rate. This is not right. I want it looked into and tell me how they got ii
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I was on forberance dor several years following the information that was given to me by XXXX and the years in a row i have in total i have XXXX late payment when my loan was suppose to be on some sort of forberance. Its has a great impact on my credit report and i cant seem to get it currected.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On or about XX/XX/2020, I mailed a certified letter ( tracking # XXXX ) to XXXX-Card Services requesting debt validation because they are reporting on my Equifax credit report that I owe them. XXXX did not respond within 30 days, so I filed a dispute with Equifax advising them of the non-responsiveness from XXXX. Equifax ended their investigation and advised me that XXXX 'XXXX is correct and they are still reporting wrong information. Equifax 's dispute number is XXXX.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I leased an automobile through XXXX in the year XXXX. The lease agreement term listed was 3 years ending in XX/XX/XXXX. I had reached out to XXXX to discuss the Account status on my credit report as lease terminated balance owing, However the account had been re-aged to show activity as recent as XXXX XXXX is a violation of the Fair Credit Reporting act. I was then transferred to a debt collection agency by the name of XXXX XXXX XXXX without being given any information from XXXX. Upon the transfer I was told by XXXX XXXX XXXX that I am not listed as a person to speak to which is odd considering i am the co-lease on the joint account. I was told this by the debt collection agency which is a violation of the Fair debt collection Practice ACT. I was not properly informed due to the fact that I am not even listed as a person to validate the debt with.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

Since XXXX of XXXX I have not been able to access my Venmo account. It is now XXXX of XXXX. There is little response besides " we are working on it '' or that this is a known " nationwide '' event with their service. They have not provided estimates on when the problem would be fixed or provided a solution to obtianing funds left in the account. They often say to try again in 24-48 hours.
Consumer complaint received 2022-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MI)

On XX/XX/2022, I requested a loan refund for the amount of {$10000.00}. This amount I paid on XX/XX/2022 and is eligible for XXXX XXXX XXXX  XXXX  ( only XXXX of this Im eligible for ). But I understand this is the only way to gain forgiveness. I have waited now over 12 weeks for a refund. Initially they communicated a 4-6 week wait. Then they changed this to a 6-10 week wait. Now theyre telling me 10-14 week wait. This is absolutely unacceptable. I am eligible for the refund and I demand it immediately. I am currently unable to submit application for the student load relief as my account is still reflecting the amount of {$0.00} loans Paid in full. I can speculate by assuming Aidvantage is holding my refund XXXX and waiting to ensure loan forgiveness is going through at the federal level. This is neither here nor there. I am owed my refund and that is final.
Consumer complaint received 2020-08-12
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. (MS)

LOOKED AT MY CREDIT REPORT AND NOTICE INFORMATION WAS LISTING ME LIVING IN XXXX, TN AND ACCOUNTS OPEN AS WELL MY INFORMATION MUST BE APART OF A DATA BREACH CAUSE I LIVE IN XXXX, MS THESE ACCOUNTS DO NOT BELONG TO ME.
Consumer complaint received 2020-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (IL)

I could not find an option to properly describe what is happening. The company is called MBA Law. They have continually added a debt to all three credit bureaus, for around XXXX XXXX. They are marking the debt brand new, dated XXXX of XXXX. The actual debt is from a hospital and is from XXXX. I have successfully had the collection removed for this going on two times. They keep adding it back on. Not only are the dates incorrect, but every time they add it back my score drops. This is completely unfair. Im doing so well at rebuilding my credit.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (IL)

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX. A law firm out of XXXX ran a hard inquiry on my credit report with out my permission on XX/XX/2022. 

I have tried to call about this to them several times and each time transferee to a different department. From my understanding it is illegal to run a hard check without permission from the consumer.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (IL)

ID THEFT REPORT ATTACHED AND MAILED OUT AS OF XX/XX/2022... ALL DATES/LOSTED ACCOUNTS ..... 
XXXX XXXX XXXX XXXX any and all ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX .Details attached...
Consumer complaint received 2020-10-02
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. (CA)

To : Wh

om It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32000.00}. 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 reques
t 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.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

Opened Credit card with Citi Bank in XXXX of XXXX and last time I had access to the account was XX/XX/XXXX which at that time my credit limit was {$2700.00} dollars and only had used {$700.00} dollars of it. I have not had any access to this account since XXXX of XXXX. Found out in XXXX of XXXX that my identity was stolen and someone had used all my credit cards and got loans in my name without my knowledge or permission. Citi is saying that I owe over {$5000.00} dollars which is inaccurate cause my credit limit was only {$2700.00} dollars. According to documents I have received from Citi of statement history I pointed out to them that I never asked for a balance increase nor did I ever do a balance transfer. I have disputed this with the company and credit bureau multiple times to get this resolved but to no avail.
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (AZ)

My name is XXXX XXXX, I have a barclay XXXX XXXX credit card ( acct XXXX ), and a bill of {$110.00} was due on XX/XX/XXXX. I used chase bill pay to pay in advance and the check was delivered to barclay on XX/XX/XXXX. however, the check was not processed immediately, and i checked regularly between XXXX to XX/XX/XXXX and it was not posted on the website. Because it was near the end of the day on XX/XX/XXXX and i still don't know if the payment will be processed, and i didn't want to get assessed a late fee and interest, i ended up paying a second payment of {$110.00} through barclay website and it went through. I then contacted XXXX to stop the first check since i have now made 2 payments. barclay ended up assessing a {$39.00} return payment fee when they finally process the first payment check. i've tried to contact barclay to see if they waive the fee given my situation, and they would not do it. i feel i'm getting penalized for something that's not my fault as a customer, i have the best interest to make sure barclay gets their payment on time.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I have been a customer of Wells Fargo for 15 years. I received a email saying my account has been overdrawn of XXXX. So I contacted Wells Fargo because i know my account had funds inside. Wells Fargo said they was calling me asking did I want to proceed with the claim. The person hacked my account added a phone number to my account. Wells Fargo never spoke to me while this transaction happen. I found out thru my email. In right then I called. I went thru going to the office for they can check my phone to see do i have a tracking on my phone. They looked and seen i was in Alabama the whole time of the transaction took place. The check the recording in it wasn't me. He said the voice was deep. Indicating it was a man. I went to the police department to to a fraud on my account. I have done everything that wells Fargo has ask me to do. In still I haven't receive my funds of XXXX. I'm really trying to stay come. But I'm losing everything around me. Can you please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WA)

I have a Venmo account and I had a balance of {$89.00} to be paid on XXXX XXXX but we had a power outage in the area due to a storm and I ended up paying on XXXX XXXX. Today, I checked my account and they charged me a late fee of {$41.00} almost 50 % of the amount due. This is an absurd! Because of barely one day, they hack up a fee of 50 %?
Consumer complaint received 2022-11-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NE)

My mortgage has been sold 3 times in a 9 month period.the first one called XXXX  allowed my information to be breached then sold it to mr cooper but consumer told me to hold payment for mr cooper, a program helped me pay my payments and catch them all up to mr cooper, while this payment had been received and paid mr cooper requested money again and claimed the payment was not received but was proven to be. All this time mr cooper had already sold my loan to another company but was requesting more money from me .now I have a new lender but mr cooper has my home balance incorrectly with the new loan that is basically saying my loan went up and a d they did not receive payment but I have receipts with XXXX  XXXX that they did get payments .my loan shod be XXXX left but it is stating XXXX