davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-03-24
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)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2020-06-16
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: CITIBANK, N.A. (MI)

A payment was mailed to Home Depot with a 3rd party check. The statement was included with the account number highlighted. The check was deposited by Home Depot/Citibank XX/XX/XXXX. Proof was sent to Home Depot XX/XX/XXXX, they would not accept the written description in the " secure email '' so I had to use snail mail. I have been on the phone with XXXX ( not very nice ) she initiated the dispute, XXXX, XXXX and may other names I did not write down since XX/XX/XXXX trying to get my {$340.00} returned. They did not credit it to my account but someone else account. I have a dispute #, I have received an emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX & XXXX stating I must call to resole this refund. I call ( calls take 45-1 hour ), they refused to call me which I have requested via " secure email '' The last call I made was with XXXX XX/XX/XXXX during which he told me the check was returned electronically to the bank. I ask for the date and bank, he could not provide that information. Then stated during the same call oh wait it was mailed to you XX/XX/XXXX. I really do not feel I will ever receive my money back. Also to avoid late/finance fees to continue overpaying my Home Depot charge card bill even though they had proof they cashed the check because they could not find my money they lost. I have been told so many different stories that I am not sure what to do at this point. DO NOT USE HOME DEPOT CHARGE, EVER. Also they do not apply your payment to the 6 mos promo unless you specifically ask them to every month you make a payment. It is only applied to your general statement balance, what a scam
Consumer complaint received 2023-07-25
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (KY)

PayPal - negative {$4700.00} XX/XX/XXXX, XXXXTransfer Loading transaction details for PayPal - negative {$4700.00} XX/XX/XXXX, XXXXTransfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 

Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4700.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation PayPal Withdrew XXXX USD on XX/XX/2019 without my consent and without even notifying me. My account was in a " limited '' state prior to this, meaning i could not withdraw funds for 180 days. 
There were no chargebacks or disputes, PayPal just decided they can charge a " fee '' for violations of their policy, which they do not disclose what violation ( s ) were committed. This, frankly, is fraud and theft. No bank would be able to get away with such a practice, and while PayPal does not qualify as a bank, they provide banking services such as holding money and transferring cash digitally. 

I reached out to PayPal on XX/XX/XXXX via XXXX and XXXX. I attempted to reach them via Phone however they have shutdown phone lines due to COVID-19. 

The responses I received were boilerplate and did not address the issue nor even provide any specific details.I was unable to reach a human being through email and there is no phone support.
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (ME)

Hello, contacted company to verify debt and never received anything. Called diversified adjustment service and they couldnt help and would not give me any information about anything, this is not mine and I believe this company is not doing everything legal, they call me all hours of the day and call my work even though I sent a cease and desist letter. also never received anything about this debt or that I could ask to verify within 30 days they are also very threatening over the phone... How can they not help me in anyway and verify my debt or give me any information at all. Please help and thanks also I never signed any contract with these people. 

please look into this company they are doing all kinds of illegal things.
Consumer complaint received 2022-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

PennyMac refuses to accept fault for having my home ins cancelled and due to their deceptive behavior they added force placed ins to my loan! Im attaching screenshots of what my ins sent to them, this is the same ins policy Ive had for years!!!!! I have also asked them to contact me via email as I work when when they are open and they have refused to answer me via their secure channels! Oh they also claim they didnt pay my ins bc a primary name is listed however Im listed in the binder that was sent to them!
Consumer complaint received 2020-06-16
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)

Dear Sir or Madam : I am writing to dispute the following information in my credit file. The items Im disputing are : 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/2014 XXXX ) XXXX XXXX. These delinquent account records are inaccurate because I did not miss payments. I am requesting that the accounts be corrected to show that it has always been current, with no record of being delinquent. Please investigate this matter and correct the disputed items as soon as possible. Sincerely, XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

THIS IS NOT A REQUEST FOR DEBT VALIDATION!! 
In accordance to the FCRA this account XXXX XXXX Has violated my rights This account is being reported as a chargeoff. 

A Charge off is cancelled debt filed on the furnisher tax return and classified as ordinary income and income can not be reported on a consumer credit report as debt. Its inaccurate and violates 15 usc 1681eb max accuracy stating Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

It also violates 15 USC 1681s-2a1a reporting information with actual knowledge of errors It is also harm due to trespass against my rights, Interrupting the flow of commerce, and a Violation against my unalienable right to the pursuit of happiness since it has prevented me from improving my circumstances by being a homeowner Again this is NOT A DEBT VALIDATION OR VERIFICATION REQUEST!!!!
Consumer complaint received 2020-06-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (OH)

XXXX XXXX XXXX is in XXXX XXXX, CO. It is a residential apartment complex. The debt was sold to hunter warfield. The amount the apartment said I owed is very inaccurate. I could not afford to pay XXXX XXXX rent so I surrendered my apartment VOLUNTARILY. With that being said I only owe XXXX XXXX rent and a lease break fee. The apartment was brand new and in great shape when I moved out of it, I had only lived in it for 2 months before surrendering it. The astronomical amount they said I owe is very inaccurate. I also never received itemized list of charges stating why I was hcarged what I was charged
Consumer complaint received 2020-06-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

Interest rates on variable interest private loans has not dropped with he federal reserve cuts. Rates were almost immediately hiked when they were adjusted up. I have emailed Navient with this concern Navient Student Loans Loans are Owned by Navient Values range from 3000 to 12000 dollars ( 6 loans total all private ).
Consumer complaint received 2022-10-28
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. (FL)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-16
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: CITIBANK, N.A. (MI)

I booked my yearly vacation with XXXX on XX/XX/XXXX. Within twenty minutes, XXXX charged me twice for the same trip and when calling them they indicated a glitch in their system and they credited me for the 2nd charge. This was fine and I planned to continue with my trip. On XX/XX/XXXX, I received an email from XXXX indicating that they canceled my trip and that they were not in a position to offer refunds, so I must contact my bank or credit card to pursue other options. On XX/XX/XXXX, I contacted XXXX  Citi card to file a dispute for three items associated with this trip ; the XXXX XXXX charge, the XXXX resort fee and the XXXX baggage fee that i purchased a week later. 

Citi provided a credit for my XXXX baggage fee of {$180.00} relatively quickly. About a month later I received a credit for the XXXX airfare charge. Finally, on XX/XX/XXXX I get a credit for the larger XXXX resort fee. However, on XX/XX/XXXX, i get a notice indicating they took that away because I already received the credit back in XXXX. I called again on XX/XX/XXXX and spoke with two individuals and explained that the original credit in XXXX was for being double charged with my initial booking. Both individuals agreed with this statement and I should get the chargeback removed and my initial credit ruling in my favor should stand. 

On XX/XX/XXXX, still no resolution. I can not begin to tell you how many hours I've spent on hold and talking to multiple individuals. I've also received notices that contradict one another. This has been the most frustrating experience of my life. This was filed for services not rendered and every single time I've called, I've had to repeat the same scenario over and over again. They all knew that bookit charged me twice for my trip and the credits in XXXX were to resolve XXXX alleged " computer glitch '' which caused it to be charged twice. 

This is almost {$1300.00} and I've already provided half back to my travel companion when it was ruled in my favor on XX/XX/XXXX.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I received a letter today dated XX/XX/2022 from Transunion stating the following : " We have complied with your request to remove the fraud alert from your credit report ... '' I never requested that the Fraud Alert be removed from my credit report. I did not, at any time, give permission for Transunion to remove the existing Fraud Alert from my credit report.
Consumer complaint received 2022-11-05
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. (NV)

do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1600.00} {$1600.00} {$1600.00} Credit Limit {$1100.00} {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (SC)

XXXX  is improperly reporting an account in collection as follows : Creditor : Financial Asset Management Date Opened : XX/XX/2019 Amount Due : {$5900.00} No account was opened with them or their " Original Creditor : XXXX XXXX '' in or around XXXX of 2019. I have contacted XXXX  and filed a dispute 2 or 3 times to date with no success. I have contacted " Financial Asset Management '' as well to make them aware of their error only to be berated and yelled at. The original account refers to a Student Loan with a date of first delinquency that was longer than 7 years ago.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-05
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 furnish a account without my written instructions
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

On XX/XX/2022, My last attempt to resolve this issue I requested Equifax, please send me copies of the documents that each credit bureau have in my files as of this date that their company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. As of XXXX XXXX I have not received verification of alleged debt and alleged debt is still negatively reflected on my credit profile.
Consumer complaint received 2020-06-16
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. (SC)

During sometime between XXXX and XXXX, my student loans with XXXX XXXX XXXX  XXXX were defaulted and no longer existed as a balance under their name directly. When I recently called to initiate a new payment plan they said they no longer hold the account and it was first sent to a private company called XXXX XXXX who assumed my debt. After this I finally realized that XXXX XXXX who works with the department of education actually holds my account and I have set up a new payment plan with them to work down and pay off my student loan balance. 

My problem and the reason I am reaching out to you is XXXX is still showing my account on my credit report monthly as late, but they do not hold my account. My problem is how can the credit reporting agencies continue to report my account that used to be with them as late if they no longer hold the account? I am paying fedloan services for my debt which has been completely taken over by them. 

I have put in disputes with XXXX XXXX over the past year to no avail in correcting this. 

Can you help me or find out if I need to involve XXXX XXXX ( my credit repair service ) further? Or involve the Federal Trade commission? Or get an attorney myself on this matter?
Consumer complaint received 2023-07-25
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.