davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. 
Company Inquiries : XXXX, XXXX XXXXXXXX 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 XXXXXXXX XXXX, XXXX XXXX,.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I got identity theft long time ago, I reported to the XXXX  back XXXX. I get a IP Number in the mail to do my taxes every year. Every time I do my background check done, the report shows addresses that I never lived .. I only lived in XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX all XXXX XXXX address only ... my birthday is XX/XX/1994 so if you do the math, I couldnt work at that age where those false addresses show up on my report. My number is XXXX
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc. (CA)

I have wrote several letter to XXXX XXXX and called several time to XXXX XXXX to speak with the proper department or a manager to resolve an issue in regards to my current lease and reporting on my credit bureau.I would like to be able to speak and get in contact with the management team to discuss my account and credit reporting.
Consumer complaint received 2020-08-11
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. (OH)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following 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 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-01-07
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. (FL)

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX ; XXXX ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (MN)

On XXXX XXXX  of XXXX. I went online to load more money to the account ( paid off previous balance ). My paid off balance did not go through due to Banking Holidays or unknown reason. 
The bank nor credit card company never notified me about the incident nor explained to me that the credit limit on my secured credit card is the deposit minus annual fee. Since the First Progress card is technically a prepaid card with my {$300.00} deposit hence {$300.00} credit limit. I used the card mainly to buy gasoline so I can have a better control and not exceed the so called credit limit. 
However some retailers ( Gas station ) do not generate or post a credit card sale at the same day. And I did not check my credit balance until the XXXX statement showed up in my mail box. I was confused about the charge. 
In XX/XX/XXXX, I contacted the Bank to discuss the charge and want to resolve the issue but they opposed it and add an extra fee for late payment and over credit limit amounted to {$100.00}. They closed my account on XX/XX/XXXX and gave me the negative report to date. I now can not get a Bridge Loan to cover my expense during this COVID-19 because of this mark on my credit and the credit card company will not help me with this unfair situation.
Consumer complaint received 2020-06-17
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. (CA)

I am trying to buy a house later this year so today XX/XX/20 my lender ran my credit to see how much I would qualify for and he told me I would not get approved for anything at this moment because there were many accounts in negative standing appearing on my credit. I had no idea that there were accounts with negative history on my credit since the few credit cards I do have I don't even use. I looked through my credit report and I saw accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; I have never opened an account with these companies nor have I ever given anyone permission to open any accounts on my behalf. I did not benefit anything as a result of these accounts that were opened in my name such as money, services or goods and I did not participate in any purchases or payments ever made towards these accounts. I have filed this report to the best of my knowledge and I have also reported these unauthorized accounts to the police.
Consumer complaint received 2024-04-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

Company NCB management services date opened XX/XX/23, amount {$10000.00}. This information that is reported on my credit report has not been verified it has not been authorized and permitted by me nor does it has my wet signature to be placed on your platform.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I pulled my credit report and there are inaccurate name variations, addresses, and employers listed. 

INACCURATE NAME VARIATIONS XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MY CURRENT ADDRESS IS XXXX XXXX XXXX  XXXX, XXXX XXXX, OH XXXX - THE FOLLOWING ARE INACCURATE ADDRESSES XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX MY EMPLOYER IS XXXX XXXX - THE FOLLOWING ARE INACCURATE EMPLOYERS XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

After approximately 4-5 calls over the span of 2 months including calls made last year to bank I continue to be thrown around in circles. I have tried on several occasions to settle my closed accounts balance with the bank. Last year I recall placing a call to the bank who stated the account was transferred to a collections agency, after calling the collection agency to settle the balance they stated they had not had the account since XX/XX/XXXXand was told by the bank and collection agency to wait until I was called to settle once the account transitions to a new bank or collector. This year I called back now approximately five times to settle the account again since I was never contacted like they stated I would be and was given the same run around. Only this time I was advised on four separate occasions that the account would be escalated to senior management so that the account can be brought back to the original bank so I can settle my account. It has been over a month and I have called at least once every week to follow up after being told after each conversation that in a week or two the account should have been recovered back to their bank. I have made several attempts to settle this account with no success as Barclays Financing has not assisted nor accepted my payments. I have submitted a credit report dispute and they have now stated they do not agree with my dispute and have placed derogatory marks on my credit report.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (PA)

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.
Consumer complaint received 2022-10-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (AZ)

Around XX/XX/2022 my boss received several phone calls from Midland Credit Management on his personal cell phone. He told me they were asking to speak to me and then proceeded to give him a reference number to the collection account as well as the exact outstanding balance.
Consumer complaint received 2020-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

PAYPAL FORCEFULLY blocked my good credit cards to purchase things securely. 
They didn't explain what exactly is the issue but I believe i as a consumer has a right to buy items using Paypal! There is no security threat to buy legitimate items on XXXX! 
I can not buy even {$10.00} items on XXXX at this time. Causing a great break down on my XXXX XXXX   and stress + time.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

My XXXX  has an account at Chase bank and is my over seer I received and large check and do not have a bank account. He was told that there wouldnt be a problem him putting my check into his account as long as I endorse it over to him XXXX different tellers told us the same mind you he has this account for 10 years now. Chase bank cashed the check and would NOT release the funds until they could verify me through there system with my phone number they placed his account under restrictions until my phone would pass there verification coming back as me being the registered owner even though I have all documents proving this they have closed his account and will not refund the fund back holding it in XXXX Chase bank XXXX  I want my funds or I want them to wire the moneys back to the writer of the check REFUNDED
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX notified credit bureaus I didn't pay on time, I made my payment on XX/XX/2020, payment wasn't due till XX/XX/2020, credit bureau drop my credit score by 50 points, tried to get it correct but nothing was done, my credit score dropped by 50 points, credit score was around 670 at the time, I want my credit score restored by all three credit bureaus to the correct credit score, before XX/XX/2020.
Consumer complaint received 2020-06-17
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. (MD)

XXXX XXXX notified credit bureaus I didn't pay on time, I made my payment on XX/XX/2020, payment wasn't due till XX/XX/2020, credit bureau drop my credit score by 50 points, tried to get it correct but nothing was done, my credit score dropped by 50 points, credit score was around 670 at the time, I want my credit score restored by all three credit bureaus to the correct credit score, before XX/XX/2020.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX notified credit bureaus I didn't pay on time, I made my payment on XX/XX/2020, payment wasn't due till XX/XX/2020, credit bureau drop my credit score by 50 points, tried to get it correct but nothing was done, my credit score dropped by 50 points, credit score was around 670 at the time, I want my credit score restored by all three credit bureaus to the correct credit score, before XX/XX/2020.
Consumer complaint received 2020-08-11
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: BMW Financial Services NA, LLC (CA)

I have wrote several letter to BMW financial and called several time to BMW Financial to speak with the proper department or a manager to resolve an issue in regards to my current lease and reporting on my credit bureau.I would like to be able to speak and get in contact with the management team to discuss my account and credit reporting.
Consumer complaint received 2020-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I sent in a payment on my student loan on XX/XX/2020. The loan is due on the 1st of each month, with a 14 day window before it is deemed late. The check should have got there for XX/XX/XXXXpayment. They did not cash my check to make my loan late. I got it down real low. Why they did not cash my check in time for the pay. They have began to take more fees for late payment and attach another rate on to the loan. I have double to triple the payment, to no avail.
Consumer complaint received 2020-08-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NH)

I have been trying to close a refinance mortgage with Freedom Mortgage Company and they are not providing my closing documents and my closing is scheduled tomorrow XX/XX/XXXX. I have emailed the exception handler on XX/XX/XXXX and XX/XX/XXXX with no response in regards to these documents. Since it has been so long since my initial application in XXXX I no longer have access to the online portal. I feel as if we have no choice but to close on the loan as we have already taken time off work to make this appointment. This is the second attempt at closing this loan and I have spent countless hours trying to get the company to communicate with me.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

I applied to American Express Credit card. As two very XXXX seniors ; we seem to be easy target for predators of all kinds, including credit card companies. I was late once with American Express Card for the 1st time. I made the payment less than a week late. I was in a no interest charge promotional until XXXX. However ; American Express has very abusive policies. A consolidation company said I could consolidate and the consolidation company told me not to make payments this month. But I cancelled them becasue they were not efficient and want to be responsible enough to not let my banks down. By this time only 4 payments were late with 4 credit cards! I have a history of making payments on time 100 % of the time. I called AMEX to reverse the interest, being the first time, and was denied. They charged me {$100.00} just for one month! Therefore ; their policy is so abusive that just because we make one payment late they took me out of the no interest option and charges me 100 @ 30 %. I'll also be filling complaints online against them all over. It doesn't matter to them that the ratings online or 1 to 2 stars! CEO Mr. XXXX aexp.com and email XXXX@aexp.com. It's good to know, though, how abusive AMEX is so I won't due business with them! I will send him a copy of this email address. I was in a temporary financial dispute for my senior XXXX son 's benefits and resolved them!
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Transunion, XXXX  and XXXX have reported multiple hard inquiries as I am shopping for a mortgage and refuse to remove them. This website, consumer finance.gov states that all mortgage inquiries made within a 45 day window will be treated as one inquiry. Why is this happening? It is severely impacting my ability to buy a home and clearly goes against the consumer protection standards detailed here. The first inquiry was XX/XX/XXXX by XXXX XXXX and the second by XXXX XXXX on XX/XX/XXXX. Both show as credit unions and were for mortgage purposes.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (FL)

I gave PA unemployment my checking account # and routing Number for direct deposit with paypal. Paypal received this money in XX/XX/2020. Paypal asked for a valid ID which I sent them after renewing it with SC. SHOCKINGLY, paypal closed my account, and has denied me access to my funds. {$620.00} is being held by PayPal and I am being told they will not send it to me for 160 days. This whole experience is absurd.
Consumer complaint received 2020-08-11
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: Fidelity National Information Services, Inc. (FNIS) (MN)

Went to XXXX XXXX to open a checking account and my request was denied by XXXX XXXX do to Adverse Information listed on my Chex Systems Consumer Report : XXXX. I shouldnt have any adverse information on my consumer report. The following information listed on my Chex Systems Consumer Report is fraudulent and not my accounts : XXXX XXXX XXXX, XXXX   XXXXXXXX XXXX XXXXXXXX and XXXX XXXX  XXXX XXXX XXXX. I have never opened a checking account with the banks that are listed. I have a police report on file with Chex Systems for being a victim of identity theft.
Consumer complaint received 2022-10-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

The worst thing that has ever happened to me in my entire life was my home loan being sold to XXXX XXXX. The second worst thing was XXXX XXXX committing fraud and giving me a false late payment on my credit report. My loan was sold early this year. In XXXX of XXXX I used my banks bill pay system to make my mortgage payments. The address used XXXX  unbeknownst to me In XXXX of XXXX XXXXXXXX XXXX reported a late payment on my credit report causing me to loose over XXXX points. I had began using bill pay via my bank and my bill pay check was sent to their alternate address instead of their main address where they process payments. My bill pay was sent to XXXX XXXX XXXX XXXX XXXX, TX XXXX. I called them many times to explain this over & over to different people. I kept getting the run around & none of them understood me or would get my story right. I would get cut off & they would tell me so this is what you mean- & still get it wrong. They kept putting me on hold for sometimes up to 45 minutes at a time & then would say we will send you a letter with our decision. Each time they dismissed me & refused to remove this false late payment off of my credit report. I am demanding the company to do the right thing, resolve this issue, and repair my trust with this company & remove the late payment from my credit report. Yes, as soon as I contacted my bank & XXXX XXXX, & learned that my payment was sent to one of their wrong addresses I immediately sent payment out to the company - & began trying to figure out a way that we can remedy this minor mistake to no avail. This is frustrating & has caused me to miss out on things that could financially assist my family & I. I want this false information removed
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (AZ)

I received a letter from Comenity Bank on XX/XX/2020, card issuer of New York & Company advising that they closed my account as of XX/XX/2020 without any warning. I have paid the balance off on this card and have established an excellent payment history with no deliquencies. The reason why my account was inactive was because I lost my job during the pandemic and could not make desired purchases including use my store cards. I am appalled that during this tough time, that New York and Company/ Comenity Bank would tank my credit score and close my account after I was not late and paid this card on time. This inconvenient decision shows me that Comenity or NYC has no integrity or loyalty to their customers even the cardholders who make it a goal to have excellent payment history.