davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Submitted several letters to all XXXX credit bureaus to investigate inaccurate information and valid accounts. They continue to violate my privacy rights and laws by not doing so. I would like all negative account thats be report to be validated or removed.
Consumer complaint received 2020-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

In XXXX of XXXX my mortgage was sold by XXXX XXXX to Mr Cooper. Mr Cooper failed to renew my flood insurance policy with with XXXX XXXX that was escrowed for 2 years with XXXX XXXX. The claim was they didn't know it was escrowed. So they put a lender placed policy. The problem is that I was placed in a flood zone 3 years ago so I immediately got a policy through a FEMA plan that got me a discounted rate. So thanks to Mr. Cooper I lost that plan and have to pay almost {$200.00} more a year for my policy. When my mortgage was sold the information on the policy and what was being escrowed went with it. I am paying substantially extra for that purpose. There was {$550.00} extra in my escrow ... just sitting there. Because Mr Cooper caused my policy to lapse and paid for a higher cost policy it left my escrow in the negative, causing me more expense. 

Mr Cooper then sold my mortgage in XXXX of XXXX to XXXX XXXX. When they did an escrow analysis they added an additional {$80.00} to my monthly payment. I have spent the last 5 weeks working to identify why. XXXX XXXX  couldn't do anything and Mr. Cooper wouldn't contact Freedom Mortgage, XXXX XXXX  wouldn't contact Mr. Cooper. No one could tell me why my XXXX XXXX flood policy lapsed. I had to track down the issue myself. 

Mr. Cooper was obligated to pay for the policy since they had the declaration page ( they admitted they had it ) and the escrowed funds. They claimed they sent me 2 letters asking for proof of coverage. But they also admitted they never once attempted a phone call or email. I never received any letters. But they had the information and the funds. They were obligated to pay. I had never had to worry about it with XXXX XXXX that is why I escrowed it. 

Now it has been sold and Mr. Cooper doesn't think it's their issue anymore. I have an FHA mortgage. My insurance went from {$550.00} a year to {$740.00} a year and that's with a massively reduced coverage. It would have been another {$200.00} a month with the same coverage for a total of {$400.00} extra per month. I believe this is gross negligence. Surely there is something that can be done, some way to recoup some of this added expense.
Consumer complaint received 2020-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (CA)

Called Medicredit  collections because I noticed a collection on my credit report. During the verification process I noticed they had a very old address for me on the file. I asked them if they can update my new address. I informed the representative that I never received a letter or a bill for this account, otherwise I would pay it or dispute it. Since I never had the chance to dispute or pay before the account reflects on my credit report I asked for a deletion of the trade line on my credit report. The representative told me she was not authorized to do it but will have a supervisor calling me back, I never got the supervisor call. A few days alter called and requested to speak with a supervisor, since it was not a supervisor available to take the call they promise me to have one calling back. Mr. XXXX, a supervisor, called the same day, I informed him the situation that I was in the position to pay bill, but since I never got a letter or bill from his office I was asking for the deletion of the trade line on my report. He won't to approve the removal just because they have the account in their office since XXXX, but later he claimed the date of service was on XXXX, but anyways they had the bill in their office with a wrong contact information, so they couldn't reach me or inform about this bill. 
Since this bill is very old and the supervisor couldn't provide accurate or at least stable information of the bill and since I do not remember the medical service, I asked for an itemized statement in the mail to verify this is a medical bill belongs to me. A few days later I received a letter from Medicredit to inform me the bill was placed on office and with at date of service XX/XX/XXXX, this confirm Mr XXXX was wrong when he claimed the bill was placed in his office in XXXX. I received a notice from the collection agency but I didn't received the itemized statement that I requested in first place.
Consumer complaint received 2020-03-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (CO)

PayPal Credit has offered both 6-month and 24-month payment options under certain purchase price conditions, interest free if such payments are made before the end of the payment term. Previously I have always made 6-month deferred payment purchases without incident. But on XX/XX/XXXX I made an XXXX purchase of {$1200.00} with '24 Easy Payments '. And on XX/XX/XXXX I made a second XXXX purchase with '24 Easy Payments ' in the amount of {$1800.00}. I specifically made these purchases because of the 24 month ability to pay them off. During the months of XXXX, XXXX and XX/XX/XXXX I made payments in the amounts of {$1200.00}, {$1500.00}, {$1500.00} totally {$4200.00}. On XX/XX/XXXX I had a balance of {$5500.00} which reflected 6-month deferred  purchases on 6 separate transaction that were made in XXXX and early XX/XX/XXXX in various amounts. I discovered on XX/XX/XXXX that PayPal had applied the {$4200.00} towards my XXXX  XXXX  month deferred payment purchases which are due in XXXX and nothing to 6-month payment purchases made at much earlier dates with the effect being that those 6 month credit purchases are now due in 2 or 3 large payments and my account will then be paid off because of the accounting method PayPal. I first 'live chatted ' with XXXX regarding this strange accounting practice and he gave me 2 explanations. ( 1 ) The company knew they had a 'glitch ' in processing payments and ( 2 ) It was necessary for me to call PayPal every month after I had posted a pending payment and tell them how I wanted my payment to be re-allocated. And then that re-allocation would be made in 1-2 billing cycles. I asked XXXX where in the PayPal website it told me that my monthly payment would first be applied to '24 Easy Payments ' purchases rather than earlier purchases? And where did it state I needed to call and reallocate my payment if I didn't like the way PayPal allocated it? He said there was nothing in the website. I asked how was I to know to reallocate payments and I was told that I had to figure it out myself. I asked for it to be resolved yesterday and I was told to call PayPal at ( XXXX ) XXXX which I did and spoke to both an agent XXXX and an Account  Manager XXXX. XXXX reiterated that it was my responsibility to call and reallocate the payment however I saw fit. She offered to reallocate funds but said it would take up to 2 months and that I should still pay applicable charges to avoid interest penalties. Paying applicable charges amounts to paying off the account instead of having the option of carrying the amounts for 24 months. A very deceptive and unfair result.
Consumer complaint received 2018-11-07
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (NJ)

I do not know the company. Through security questions concerning my credit. I'm trying to rent to own my first new home. Through these questions I found XXXX insurance taken in a poe, jackel, clod,  blunder animal. There was also a mortgage taken in my name on XX/XX/XXXX and I've seen one for XX/XX/XXXX for between {$950.00} to $ {$2200.00}. I came to this knowledge through XXXX   saying it's in their records. Credit bureaus only show each year report, but, this clearly shows it stays on record even if it doesn't show on each years report. Someone help me find who is committing identify fraud.
Consumer complaint received 2022-10-03
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. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (IL)

I made a purchase from an XXXX seller for automotive part, the seller invoiced me three times due to amount of the transaction for the amount of {$1900.00}, {$1900.00} and XXXX all for one item with the same tracking number. The item was shipped and I could not located the package so I got in contact with the seller and he refused to resolve the issue. I opened Paypal disputes for each of the transactions and lost because the seller provided tracking information. On XX/XX/XXXX I spoke with a Paypal representative that help me track down the package. The item wasn't as described and I so I returned the item back to the seller 's address on the invoice. Tracking # XXXX. I contacted Paypal on XX/XX/XXXX because the seller has my money and the item has also been returned. I was instructed that I would receive an email and I have not received a response yet regarding this matter.
Consumer complaint received 2018-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

I dont know who Midwest Recovery Systems is or who they represent, all I know is these people have never notified me that I apparently owe a debt instead the decide to attack my credit report. 

Why attack my credit report when you could have called or sent me a bill in the mail letting me know more about this debt. 

I feel Midwest Recovery Systems has violated my rights by attacking my credit report and not giving me even a chance to address this issue.
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tesla, Inc. (DC)

In 2014 someone at my rental property forged my signature for solar services with Solar City ( Tesla ). I filed a police report Case # XXXX. That is all the information the Washington DC police provided. Tesla has refused to investigate this matter, they have refused to remove this from my credit history and state that I owe the loan balance.
Consumer complaint received 2020-03-06
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. (IN)

I believe my credit file was involved in the Equifax breach and my entire credit file is blank with them, leaving me with a poor credit rating and score number, keeping me from acquiring much needed credit to improve my file. I am not able to access my report or score for Equifax online or by phone, due to the fact the information on the file is either incorrect or not there at all. I have sent documentation to Equifax 2 times to get this settled and still nothing has changed. I wasnt even aware of the breach until i heard it on the radio. I have taken time over many years to clear and dispute many fraudulent items on my file to then have such a grievance with the main reporting agency. The embarrassment and challenges I've had to go through cant be fixed with money. Id like my file, report, and score recovered somehow. My score has improved with the other reporting agencies but not with Equifax. Horribly upsetting.
Consumer complaint received 2023-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I have complained to Chase XXXX XXXX Account # XXXX XXXX XXXX XXXX to take off {$5000.00} from XXXX XXXX on XX/XX/2022 because it was fraudulent. They keep telling me that it is a valid charge but it isnt. It is a scam and I reported them to the FTC and the XXXX.
Consumer complaint received 2023-01-24
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. (PA)

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.
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

XXXXXXXX XXXX XXXX notification by email on XX/XX/XXXX, under my maiden name. I contacted XXXX and Wells Fargo and they cancelled the card. XXXX  XXXX XXXX XX/XX/XXXX requested from XXXX  XXXX XXXX they notified me and i cancelled the card. XXXX, XXXX XX/XX/XXXX called and cancelled the online order
Consumer complaint received 2024-01-18
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

I have had a credit card with the Home Depot for the past 2 years 5 months and 16 days ... As of a few days ago they decreased my credit limit from {$10000.00} to {$3900.00}? 
Since I bought my house I had 2 major purchases from them with other purchases in between... 
The 1st major appliance I bought on XX/XX/XXXX from the Home Depot under a 12 month no interest purchase and they got me really good because I did not know any better and at the end of the 12 month I ended up paying the deferred interest and I did not make any complaints about it... 
Sucked it up and paid that deferred interest and didn't purchase anything else for over a year... 
My late payments are as follows on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
On XXXX of XXXX I seen a frig that I really wanted and decided to purchase it for the amount of {$3100.00} + warranty for {$310.00} for a no interest payments for 24 months. 
I was not crying when they over charged for {$6900.00} for 2 refrigerators and 2 warranties along with a no interest plan for 12 months. 
Which took one billing cycle to fix. They also charged me a double payment for their mistake? 
I have been a great consumer with Home Depot and I know that it is against the federal law to decrease ones credit...
Consumer complaint received 2020-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (RI)

I had 4 accounts with TD Bank. 2 were business and 2 were personal, with credit and debit for each. 48 hours after I made an early payment on the personal credit card that was in perfectly good standing, thousands of dollars away from my credit limit, my card was declined. I called to inquire only to find out that they had reportedly thought I was deceased. This is nonsense since I had 4 accounts and only one was closed. I called numerous times about the problem, was advised to go to the branch, which I did, but never received any sort of reasonable answer. They told me repeatedly that they would be in touch within 5-7 days. They said that several times before sending the account, the account that was in perfectly good standing, never late, to debt collections. I spent many hard years building my credit so this is an assault on my entire person. I was flabbergasted when I got a letter from a collection agency. However, I settled the debt with the collection agency in order to move on with my life. Within 48 hours of settling this debt, TD had miraculously REACTIVATED the card that they had heretofore refused to even discuss with me, and I only noticed because an automatic payment from XXXX that I had forgotten to switch to a new card all of a sudden went through. Now, I was able to log in to the TD account that I thought was settled. They had refused to give me an answer as to why one account and not the others was canceled, they had refused to correct the mistake, they sent the account that was in good standing to collections, then after I paid collections they turned the account back on. I feel like I am going crazy, but I have proof of everything. On my way to the branch now, almost two months after this began. There is no happy ending because I am still dealing with this. I watched them physically shred my card and now I am attaching evidence that my card was reactivated after being settled, shredded, and supposedly cancelled with the rest of my accounts, all while it was in good standing. Then after settling with collections, they pretended nothing had happened and turned the card back on, with my account showing late fees and the same nearly almost {$10000.00} balance I had settled. That's called fraud where I come from, which incidentally is the same planet on which TD is based.
Consumer complaint received 2023-01-24
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. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be deleted. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get omitted immediately. 
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Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Subject : Request for Immediate Removal of Fraudulent Account from Credit Report I am writing to request the immediate removal of a fraudulent account from my credit report. The fraudulent account is listed under the following details : Creditor : XXXX XXXX XXXX XXXX XXXX Debt XXXX XXXX Account Number : Placed for Collections ( amount {$3200.00} ) Date Reported : XX/XX/year> Account Status : collections I have thoroughly reviewed my credit report and have identified this account as fraudulent for the following reasons : Identity Theft : I have never opened an account with XXXX XXXX XXXX XXXX XXXX XXXX or engaged in any transactions with them. The account in question is a result of identity theft, and I have taken the necessary steps to report the fraudulent activity to the authorities. 
Inaccurate Reporting : The account is reporting inaccurate information, including the date of last activity and the date of first delinquency. This violates the Fair Credit Reporting Act ( FCRA ), which mandates that information reported by credit bureaus be accurate and complete. 
Failure to Investigate : Despite my repeated requests, XXXX has failed to conduct a reasonable investigation into this matter. This is a violation of my rights under the FCRA, which requires credit bureaus to investigate disputes and correct or delete inaccurate information.

Consumer Rights Violations : By allowing this fraudulent account to remain on my credit report, the credit reporting agencies are infringing upon my rights as a consumer. These rights include the right to dispute inaccurate information and the right to request a free copy of my credit report once every 12 months. 
In accordance with my rights under the FCRA, I demand that the credit reporting agencies immediately remove the fraudulent account from my credit report and provide me with a revised copy of my credit report reflecting this removal. I also request written confirmation of the removal and any actions taken to investigate this matter. 
Please note that failure to comply with this request may result in further legal action to enforce my rights under the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal. 
Sincerely, XXXX XXXX You will also see that I have no inquiries regarding any request to ANY credit request.