davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

Had an account with XXXX XXXX account XXXX XXXX XXXX XXXX amount XXXX..Account was never closed by XXXX XXXX. I made full payment to XXXX XXXX for this account. Now it is on my credit report. I called this company Helvey associates XXXX XXXX and i tried to explain that I paid it already and who are they. They said it was with them. I said XXXX XXXX just closed the account after i paid them. ( please see attachment ). I ask them to delete it because it is unfair practice plus as an XXXX XXXX servicemember this is illegal. The lady that account has been with them since XXXX XXXX said they have to wait to get notice from XXXX XXXX that it was paid before they can delete off credit report. I actually made an payment on the account in XXXX to XXXX XXXX provided a copy in attachment. Helvey associated did not contact me at all.
Consumer complaint received 2020-03-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MO)

I attended XXXX XXXX Spring of 2007. I took out private loan but didn't clearly understand the paperwork that was assigned to me. Recently I see XXXX closed down and had to settle out of court to either forgive or waive the loan balance. Current balance is {$11000.00}. With the recent lawsuit and settlement I would like to know if I qualify and to have Navient remove the loan off my credit report
Consumer complaint received 2020-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

Noticed a collection debt from IC SYSTEM COLLECTIONS, I reached to see where this collection come from. I was told from XXXX ( XXXX XXXX XXXX ), and the one is managing the bills is ( XXXX ). 

I reached to them to request information and they said it was their fault because they sent the bill to the wrong address, I paid the bill ( I didn't see!! ) and they said they will fix the issue. 

In the meantime, I disputed the collection from XXXX  and XXXX. 
The XXXX  credit bureau removed it in 2 days. However, XXXX they didn't, and since I'm submitting dispute after dispute to take it off my credit report but I was unsuccessful.
Consumer complaint received 2022-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (PA)

I co-signed for a loan for my son... Im about to declare bankruptcy or loose my home.. the apr and fees are outrageous.. Im trying to get the payoff lowered so I can pay them off so I dont loose everything... my son lost his job then Covid happened ... this has been an upside down loan since the beginning upon reading this company specializes in this ... they have been paid double already then the car was originally worth
Consumer complaint received 2021-03-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2021, I mailed a letter about inaccurate accounts showing on my credit file and asked for an investigation. It has almost been two months and I still haven't received a response in the mail. This is way past the time that the FCRA allows!!!
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

I filed against this company a couple weeks ago and everything was resolved. They still contact me late hours and they are still sending me mail asking for payments regarding an account that was paid off. This company was also supposed to send me a refund check and they never have. Please have this company fix there mistakes and have them stop contacting me I am not a card holder of theres anymore.
Consumer complaint received 2020-03-16
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. (FL)

XXXX XXXX is the servicer of my mortgage. Some late fees have accumulated on the account but all p & interest payments have been made. XXXX is reporting the account as late or past due for LATE CHARGES.
Consumer complaint received 2024-04-16
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

I've done everything that was asked to get help from my lender due to my permanent XXXX  hardship. I have applied for a loan modification and a short sale but keep getting denied. I am permanently XXXX and waiting for my XXXX case to get approved for income from the State of Louisiana. I am now requesting from PennyMac that the XX/XX/XXXX foreclosure sale date be postponed for at least 30 days and my short sale get approved. I have done the necessary protocol by getting a realtor to help me sell my home. Due to the XXXX XXXX  and prepping the home for the market there was a slight delay. We submitted a full price offer that was over the acceptable net amount given by PennyMac, and they are now refusing the offer and will not stop the foreclosure date. We have a strong, Conventional loan buyer who is currently going to the sale process with his lender. We will be ready to close the sale shortly. All paperwork has been submitted for a few weeks now, and PennyMac is refusing to give time and postpone the foreclosure date while reviewing the documents. Each time I call I am told something different by each representative. I was first told by a PennyMac loss mitigation representative that if I submit an offer which meets the required net amount then a short sale would be reviewed for approval. 
I have gone back and forth with PennyMac for a few months now trying to get them to work with me and my health hardship. I began to miss a few payments due to many XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I applied for XXXX, and I have a pending case with the State of Louisiana which will give me income to better my life. Back in XXXX XXXX  I applied for a loan modification and was denied. I also submitted a purchase contract for a previous buyer around XX/XX/year> for {$160000.00} but PennyMac also declined this offer. I did not receive letters in mail to let me know that they would seize my property until the sheriff showed up. I was told by PennyMac that I do not qualify for any assistance, even with my XXXX and they are refusing me any kind of help. 
Thank you for taking the time out to review.
Consumer complaint received 2021-04-20
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 (OH)

I sold an item on XXXX for a total of {$870.00} after fees. That amount was transferred to paypal, which they are not allowing to be withdrawn. I've withdrawn two other sale transactions this month, and used paypal for shipping labels and fee payments with no issues. 

On XXXX, I contacted paypal in an attempt to resolve this issue. I was told that now, not prior to this transaction, that i need to provide additional information to withdraw these funds. They asked for supplier information, this is not applicable. They also asked for what items I was selling ; they have complete invoices for each item which includes description, pictures, shipping information and sales. 

After a few minutes on the phone it was very clear they were unwilling to help at all, stating that the funds will not be released.
Consumer complaint received 2020-03-16
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)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2020-03-28
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. (NJ)

I have 3 accounts reporting on my credit profile and I have no idea what they are! 2 XXXX, and 1 XXXX Accounts. I have never did business with these companies. I contacted Experian and advised them that I was concerned about these accounts they are reporting and requested that the accounts be investigated and validated. My first attempt at this was XXXX, and to date keep getting a response that these accounts are verified as mine but no proof has been provided. I even reached out the the both XXXX, and XXXX in which XXXX responded with some type of bill and said the original creditor validated the debt. I then provided this information to Experian thinking they would resolve the issue because XXXX did not provide proof of validation as stated in the FDCPA and the FCRA. XXXX never responded at all! At this point I dont know what to do and how to get this resolved due to Experian not taking the time to investigate and correct the reporting of these accounts. I contacted the other Bureaus in which they removed the accounts immediately, I cant quite understand what information Experian has that the other bureaus doesnt.
Consumer complaint received 2024-04-16
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

I opened a store credit card with XXXX on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX called me so many times to ask me making a payment of {$340.00} for an order that I never purchased. I told them that my last order at that time was on XX/XX/XXXX with a total of {$120.00}. I already made the payment for this. I told them that I never made any purchase for the order of {$340.00} that they asked me to make a payment for. I told them that this was a fraud. After reviewing my order history, XXXX agreed with me that this was a fraud and they said to me that they would report it to their manager. After that, I do not hear anything from XXXX anymore and I did not see this charge on XXXX account. I thought XXXX cleared up this charge. Therefore, on XX/XX/XXXX, I made a purchase for an order of {$97.00}. I made the payment for this order right away. Recently, I have looked into my credit report and I have recognized that XXXX suddenly sold my debt {$340.00} to XXXX XXXX XXXX, a collection agency. I am very surprised about this because I thought that XXXX agreed with me that this was a fraud ; And they do not contact me again after they told me that they would report this fraud to their managers. From my XXXX account, there is not any order between XX/XX/XXXX and XX/XX/XXXX. This means that the charge of {$340.00} for an order in early XXXX was invalid. Once again, I told XXXX that this was a fraud and XXXX  agreed it. However, they sold this debt to XXXX XXXX XXXX.
Consumer complaint received 2023-01-01
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. (CA)

In accordance with the fair credit reporting act convergent XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act, XXXX XXXX XXXX ACCOUNT XXXX, XXXX ACCOUNT XXXX, XXXX OF XXXX ACCOUNT XXXX, XXXX  ACCT XXXX, XXXX XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX  ACCT XXXX, XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX XXXX  ACCT XXXX, XXXX ACCT XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnmish a account without my written instructions
Consumer complaint received 2024-04-16
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I detected an unauthorized {$72.00} charge on my XX/XX/2024 credit card statement, and notified Bank of America ( BoA ) in writing on XX/XX/2024, specifically noting that I had never purchased anything from the merchant and had no way of contacting the merchant. BoA sent a letter acknowledging my dispute on XX/XX/2024. On XX/XX/2024 BoA sent a letter requesting " additional information '' ; however, the additional information BoA requested was already provided in my original dispute letter. I replied to BoA on XX/XX/2024 repeating the information provided in the original dispute letter and insisting that they reverse the fraudulent charge. I never heard from BoA again.
Consumer complaint received 2023-01-01
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. (CA)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXXXXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (AL)

On XX/XX/2019, I attempted to use my card and it was declined. Knowing that my payroll check was recently deposited, I attempted to check my card balance and could not access American Express Serve website. I tried calling and couldn't reach anyone. I tried to access the mobile app and the app said it was down. I went online to investigate the problem and discovered that AMEX Serve is down without an " ETA '' of when the problem will be fixed. 

This is the second time in a year that this has happened. Also, an incident like this occurred last year as well. I can not access my money. I'm in urgent need of access to my money. My son is stranded in XXXX and I need to make arrangements to get him home for XXXX.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

XXXX XXXX has furnished a charge off account to my consumer report to the consumer reporting agencies in which in turn have directly affected my financial reputation. This company has failed to abide by the Gramm-Leach Bliley Act of 1999 ( GLBA ). I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by XXXX  XXXX to neither CRAS ( XXXX, Equifax, XXXX ). 

XXXX  XXXX did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. XXXX XXXX is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements.

I ask of this company This notice is a CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. Im this complaint I am exercising my right to prevent the processing of my personal data by XXXX XXXX for the account opened XXXX XXXX.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10  years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/20 Capital one restricted my Walmart Credit card. 
I was sleep but before I slept I was advised to submit my, social security number, bank statement. 
I asked my wife to do so. 
She submitted everything correctly except my old ID before I got my XXXX tanker I'd updated. 
Which was a three.minth old ID. 
So after calling Capital ine 100 times to explain the mistake they said they were not going to lift the restrictions and they were going to pla lce a negative on my credit report for fraud. 
That is wrong for them to do that.
Consumer complaint received 2020-03-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (VA)

I have taken out a line of credit on XX/XX/2019. As of today I still owe {$1100.00}. I am trying to end this loan. I reached out to this company and they stated that since I live in Virginia that the are unable to make any arrangements with me. I need help.
Consumer complaint received 2021-03-21
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 have attempted to dispute the claim for XXXX XXXX XXXX. It is listed on my credit report without an original creditor and it lists terms. I did not have contract with this company and I have not been provided documentation showing how I owe this company. It is reporting a past due amount in which I found out is a violation of the metro 2 standard reporting due to this and no original creditor. No other information has been provided about this company. I have sent a letter once and another response to their updated response twice.
Consumer complaint received 2020-03-28
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. (TN)

HAVING ALREADY STATED THAT THESE ACCOUNTS ARE NOT MY ACCOUNTS AND PUTTING A BAD LOOK ON MY CREDIT PROFILE AS A WHOLE
Consumer complaint received 2020-03-28
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: ONLINE Information Services, Inc. (MS)

I did not receive anything from this company stating a debt was owed. 

Online Collection Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

The amount was paid and they did not remove this item from my credit report. I have called several times and get the run-around from all of their reps as to why this is still reporting as a collection. 

I disputed the item with XXXX  and was told in a letter that the account was updated but it was not removed from my credit report
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-12-31
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)

I had a mortgage with XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. During that time frame I never missed a payment with that company. That is over a 8 year history of on time payments. I refinanced that mortgage with a Different lender at the end of XX/XX/XXXX which was XXXX XXXX During the refinance process I will was told by a representative of XXXX XXXX  named XXXX that I would be granted a 30 day grace period to allow time for the loan to close and that payment would be added to the back end of my loan. Unfortunately that did not happen because of an error on XXXX XXXX behalf and my account ended up being reported 30. Days late right before my new loan with rocket mortgage closed. This has negatively impacted my credit history and has prevented me from obtaining the best interest rate to purchase a new single family home. I was a loyal customer to that company and I need them to do the right thing and remove this late payment from My account based on my previous payment history and the incorrect information that I was given by customer service rep name XXXX in the first place.