davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2021-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing with XXXX and TransUnion about the incorrect accounts and information on my reports since XXXX of this year ( XXXX ). I mailed letters to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute these items and letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to investigate and respond to my disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The accounts are still reporting incorrectly on my report. I even sent some of my letters certified because I needed to know if they were getting my letters in the first place. These are the tracking numbers : XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX / TransUnion # XXXX XXXX XXXX XXXX XXXX ... 
XX/XX/XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX / TransUnion # XXXX XXXX XXXX XXXX XXXX ... 
XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX / TransUnion # XXXX XXXX XXXX XXXX XXXX It has been months without receiving a response. As a consumer, I feel this is unacceptable. This is my life that XXXX XXXX, and Transunion are disregarding.
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I opened PayPal case XXXX on XX/XX/2021 against a fraudulent transaction from XXXX where merchandise was purchased and incorrect delivered. On XX/XX/2021, PayPal incorrectly denied my claim after I had provided ample evidence that the merchant failed to honor their contract : the merchandise was purchased with XXXX Int'l Priority shipping to arrive within days, but the merchant sent it with economy shipping to arrive months late to an address I had moved away from and was no longer living in and had no intent of returning to, fraudulently pocketing the change. I attest under penalty of perjury that this is true to the best of my knowledge. Evidence consists of screenshots ( proving delivery time, and proving the merchant had allegedly acquiesced to a refund ). Verbatim text of paypal dispute originally submitted is attached.

[ please redact all attachments and this sentence when publishing this complaint online, thank you ]
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA is stealing my unemployment benefits and also one paycheck. The amount is a {$4200.00} unemployment benefit Payment from XX/XX/XXXX and a {$620.00} paycheck from XX/XX/XXXX! I did not authorize these payments to go into that account because they told me they were closing the account so I asked XXXX to mail me a check and under no circumstance send it to the USAA account. I was assured that they would not put it into that account but it still went in! Also the payroll company ( ADP ) that sent the {$620.00} I also switched my payment info For that as well but it still went to the frozen account! The bank supposedly found fraudulent activity in my account and even though they can prove that I had nothing to do with it by several means ( geolocation data, device addresses, atm cameras, checks not in my signature or handwriting, etc. ) they closed my access to the accounts, yet still accepted my benefit payment and paycheck! Even though I cant access or remove money from my account they still took my money into the account and are closing the account with my money still in there. I want my unemployment benefits and my paycheck, payments that I worked hard for and they are refusing to release the funds to me.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-03
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. (PA)

On XX/XX/21 I sent out dispute letters to the three credit agencies, XXXX, XXXX, and Equifax. I disputed multiple Unverified accounts that were negatively impacting my credit score preventing me from positively using my credit and I feel as though their not taking my dispute seriously. It's been 43 days now which is almost 2-weeks past the 30-days for them to notify me my results regarding this investigation. I called each agency several times to try to resolve the issue and each time was unsuccessful. I strongly feel as though that my rights have been violated from these agencies.
Consumer complaint received 2021-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCSPLUS INCORPORATED (FL)

XX/XX/2018, I underwent a XXXX XXXX XXXX, that is covered under emergency benefits with my insurance. When the surgeon from XXXX XXXX, XXXX. sent the claim to the insurance company, they denied it because the XXXX  was out of network, even though I am covered in XXXX XXXX XXXX cases, regardless of the network the services is acquired. 

We appealed this with the insurance company and were denied multiple times. 

The surgeon from XXXX XXXX, XXXX. sent my name to collections for the remaining balance of $ XXXX when in fact, its the insurance company, XXXX XXXX, that is delinquent. 

Now NCSPlus Incorporated has put a huge $ XXXX debt on my name and has ruined my credit. Over a medical issue that was completely covered. 

My issue here is that NCSPlus Incorporated should be sending their collections notices to XXXX XXXX since its their debt to be paid, not mine. This huge mark on my credit hurts my life and livelihood. Im now stuck in a hole that I should never have been in to begin with because I was 100 % covered at the time of the XXXX XXXX XXXX performed in XX/XX/2018.
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (TX)

I was having trouble accessing my USBank credit card account online. I went to their website and called the number listed for XXXX XXXX. After waiting on hold I was transferred to a gentlemens with a very thick XXXX XXXX accent. I shared with him my problem and he said he would need to verify my identity with my name, adddress, DOB etc. he then put me through a recorded message that he kept interjecting into to confirm the same information. He then stated he could not verify my identity and asked me for another credit card to confirm my identity. I was confused but keep in mind I called US Bank. I gave him another credit card number with another bank ( XXXX ) and I got a text from the other back asking if a {$1.00} charge was legitimate, he directed me to say yes. He then provided me a confirmation number and directed me to call XXXX immediately and provide the confirmation number given. When I hung up something felt off and I didnt call the other number. I subsequently called US Bank later at the number on the back of my credit card and they had no record of that prior conversation and have opened a fraud case on that card. I have locked the credit card account with the other bank but am now concerned about identity theft.
Consumer complaint received 2021-08-03
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: Experian Information Solutions Inc. (GA)

I sold my car to an individual and have the notary stamp on the sale of the vehicle. I sold the vehicle as a sublease, and the individual continued to make payments on the vehicle. However, the person that " purchased '' the vehicle declared bankruptcy in 2019 and made one last payment on the car in XXXX of that year. The car was repossessed and my credit was impacted and not the person with the signed notary. I sent documentation of this to XXXX XXXX and they stated that I could not dispute this because a payment was made in 2019.
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I applied for a mortgage refinancing with Rocket Mortgage because the rates are so low. I was promised verbally that there would be no hard inquiry on my credit report. I was lied to. When I asked the representative about it, he said that he had not promised me a soft inquiry, lying to me again, and that I should have expected a hard inquiry when I gave him my SSN.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (NC)

XXXX has wrongly put late paymnet on my account. i have conteacted XXXX in XX/XX/2021 but no issue resolved. I have contacted company new rez for this and they said its XXXX who has reported wrong. 

I am attaching letter from new rez company. I am strugling to get loan since becuase of wrong details on my account. 

can you please fix remove it from my account.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/XXXX I wrote Transunion a letter asking them to please update my credit report by deleting a XXXX XXXX acct that is only being reported by Transunion and not by the two other consumer credit reporting agencies. Its been well over 30 days and still waiting for them to update or respond. Fair Credit Reporting act 15 USC 1681 ( a ) states that what Transunion reports have to be accurate and fair.

If Transunion is the only bureau that is reporting account, how could this be fair or accurate?

As per 15 U.S. Code 6801 policy states that financial institutions have and obligation to protect my privacy by not disclosing nonpublic personal informaton. I feel like Transunion is violating my privacy by reporting past due amount of XXXX They are disclosing a financial transaction between the financial institution and myself. As well as not giving me notice on how to " opt out ''.

Please help. These violations hurts me and my family financially and has put strain on us in several ways.

Thanks
Consumer complaint received 2021-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

XXXX The account number is from a previous dispute that was sent a few days ago. Equifax now wants me to send over all my information to them but I have done this multiple different times. They have a glitch or lazy and constantly makes me do all the work. At this point I want to get a lawyer. They have done disputes for me before and I have emails to prove it. This company is setting me back from purchasing a car and a home because they are not reporting my positive information. 

In 2020 I sent over my id and utility bill and other information to them over 4 times. I have access to equifax.com but they are not reporting my information. They are making me go in circles for no reason. 

I have attached the letter they sent me Along with previous disputes I have had with them. 

I SENT THAT BECAUSE THEY HAVE MY INFORMATION. THEY MAKE YOU GO THROUGH LOOPS FOR NO REASON. JUST UPDATE MY INFO! THE POSITIVE INFO!
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Current Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WESBANCO BANK, INC. (MD)

On XX/XX/2021 I was made aware that checks that I wrote from my Wesbanco bank account on behalf of my XXXX XXXX, the XXXX XXXX XXXX, were stolen out of a blue postal service mail box in my neighborhood on XX/XX/XXXX, altered, and cashed for fraudulent amounts. While I have only ever written checks to XXXX XXXX vendors from that account for small amounts ranging from {$5.00} to {$150.00}, the following transactions were approved by XXXX XXXX XXXX XXXX as they were deposited into accounts in that bank : check # XXXX to XXXX XXXX for {$900.00} check # XXXX to XXXX XXXX for {$950.00} check # XXXX to XXXX XXXX for {$950.00} It is very clear from the check images that my original signature was not used and that they were tampered with. I filed a police report with the XXXX Police ( report # XXXX ) and the police confirmed there have been many cases of this fraud happening and I was not a singular case. I also filed a report with the U.S. Postal Service Inspector General, and filled out a fraud/forgery investigation form with the bank. 

The Postal Inspector 's information is below : XXXX XXXX Postal Inspector - Mail Theft U.S. Postal Inspection Service XXXX  Division XXXX ( Desk ) I have asked about the status of having my stolen funding of {$2800.00} refunded back into my account so I can fund my farmers market operations, and Wesbanco keeps informing me that I need to have some further evidence of what the original amounts on the checks had been before XXXX XXXX XXXX XXXX will reimburse Wesbanco, and then Wesbanco would reimburse me. 

I have told Wesbanco that my records show that I wrote the checks in alphabetical order ( 9 were stolen and only 3 were deposited ) and that would mean the original amounts and payees were as follows : XXXX 'XXXX XXXX - {$92.00} - XXXX XXXX XXXX XXXX - {$10.00} - XXXX XXXX XXXX XXXX XXXX - {$10.00} - XXXX All of vendors confirmed that they never got the checks I had originally mailed them. 

But XXXX XXXX XXXX XXXX is telling Wesbanco I need more evidence, which I simply can not produce because I wrote the checks quickly and did not mark them in a check register. 

I need help pushing this forward in order to continue to fund my farmers market operations and it seems to be at a standstill where XXXX XXXX XXXX XXXX does not want to pay for the fraudulent account that they held for XXXX XXXX ( s ). 

I believe other evidence would be to look at all other checks I have written on behalf of the market to review handwriting as well as notes - I have never written a check for " Labor, '' for example, and XXXX XXXX ( s ) is not employeed by the XXXX XXXX XXXX.
Consumer complaint received 2021-07-27
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (CA)

My husband and I took out a reverse mortgage in XXXX. At the time, we did not need any extra money, so we made no provision for taking money from our equity as it grew over time. My husband died 3 years ago, and now, XX/XX/XXXX, I need to draw a sum of money from my equity. The mortgage company, NOVAD, says I HAVE NO EQUITY in my home, even though a drive-by appraisal done in XXXX, XXXX, appraised the property at a minimum of {$380000.00}. NOVAD also has told me that if I should sell my home ( I do not want to sell ), I can ONLY SELL IT FOR WHAT IS OWED. That is not true. Nor is it true that I have NO EQUITY in my house. 

Last week I received a letter from a company called XXXX XXXX XXXX, saying I " am qualitied for the HECM program '', and that I can access my equity of {$160000.00}. They gave me a " case number '' of XXXX ''. I know nothing about this company, so I have not contacted them. 

My financial well-being at the point in time depends upon my being able to access some of the equity in my home. I do not understand why NOVAD tells me I do not have " XXXX XXXX of equity ''. THEIR WORDS, not mine. I have NEVER in my life NEEDED extra money, but I do now. I live on Social Security and a small pension, and I need some extra funds to pay a couple of bills, plus have the money to have my house painted ... I live in an HOA and they are sending letters around to the residents giving them a date for repainting, which we, of course, have to pay for. I do not live in a condominium, all the houses here are independently owned including the land ... however, this HOA is " considered a condominium '', which makes absolutely no sense, but there it is. 

Please help. I know that I have equity. I know that that money is mine, it is not NOVAD 'S. Please help me to access it. I have no other recourse. 
Thank you.
Consumer complaint received 2021-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

I applied for a HELOC with PNC in XXXX. Theres a {$50.00} annual fee. I stated Ive paid enough to PNC in interest over the 8 years Ive had my mortgage. Im not paying an annual fee on my HELOC. I stated Id just cancel the application. 

I was told this would be waived. This was stated over the phone and through email. I am being charged the fee in XXXX. Its not about the amount. Its the principal. I would like to just close the HELOC, but theres a prepayment penalty.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In XX/XX/2021 I sent over a certified letter to PORTFOLIO RECOV ASSOC requesting debt validation after I noticed this unfamiliar debt on my report. Tracking information shows the letter was received and signed for. Per FCRA collection agencies have 30 days to respond to the debt request with valid information to prove the account is authorized to be listed on my report. Well PORTFOLIO RECOV ASSOC has disregarded all FCRA rules and regulations. They have failed to provide any legal documents to prove this debt is mines or even notify me of the debt. This unverified inaccurate account needs to be removed from my credit report IMMEDIATELY.
Consumer complaint received 2021-07-27
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)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-07-27
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. (AZ)

I have sent countless disputes regarding fraud on my credit report. These accounts aren't mine and have been removed off of XXXX, but XXXX  and Transunion aren't processing the dispute and not sending me letters in the mail ... .. 

I am demanding them to block these accounts within the legal time frame pursuant to section 605B of the FCRA. My rights are being violated!
Consumer complaint received 2021-07-27
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

I have sent three letters to TOYOTA MOTOR CREDIT, requesting copies of payment history and they still have not provided any, surpassing their 60 day grace period, to be able to verify the account.Account number XXXX, Account status-Closed.Date opened XX/XX/XXXX, which in itself is beyond the Pennsylvania statute of limitations of 6 years.Please remove this account for voilation of my consumer rights.i am requesting to take legal action if this account is not removed.
Consumer complaint received 2021-07-27
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: Experian Information Solutions Inc. (TX)

No one is handling my dispute request ... I need for Experian to respond to my requests today. I want these negative items deleted now. 

XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX- XXXX UNVERIFIED ACCOUNT XXXX  XXXX NOT MY ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT XXXX  XXXX-NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1969