davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
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. (AL)

I submitted a complaint on XX/XX/2020 with CFPB about Equifax. # XXXX The complaint was that I had looked at my credit report online and there were accounts listed on my report that I did not recognize. They also did not have any identifiable information to tell me who and what they were. I submitted screenshots to you of them. There was a company response on here after I submitted my complaint XX/XX/2020 saying they were still investigating. It is now XX/XX/XXXX and the investigation has taken more than 30 days so far and I was not notified of investigation status or results. They also did not/have not fixed the error on the report. I was sent several letters on different dates stating they were unable to locate a credit file with my identification information provided. This seems like stall tactics to me. I faxed my drivers license, social security card, and recent bill to them for identification purposes and still no results. I would like this information removed from my credit file. They have not took the time to properly verify/validate the information before putting on my credit report and have not responded in a reasonable amount of time. If Equifax properly verified/validated this information confirming and proving these are my accounts, they should be able to respond in a timely fashion. They should also be able to send me proof of identifying information such as a contract with my signature showing that I have a contact with these accounts. This information is destroying my credit file. I've download some of the same letters they keep sending me. I could not find them all. I was receiving some multiples on the same day.
Consumer complaint received 2020-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/XXXX I had a customer file a false dispute on a dress she bought from me. 

Paypal immediately took {$120.00} from my account within MINUTES of the report and demanded I pay them to bring the account to a positive balance. 

I did so and complained about the process.. They ignored me. 

I provided numerous screenshots proving tears and condition were disclosed on the listing, in images AND on the invoice. I also stated that I believed the customer had her daughter wear the dress in a pageant and then filed a false report because she admitted her daughter wore the dress to the pageant. This was all provided through the official resolution center and recorded as a response. 

Paypal ignored my screenshots and stated they refunded her anyway. 

I reached out and asked why after I provided evidence. They said they didn't get the screenshots and didn't ask me for them because they didn't 'think ' to do so. But I could appeal when I received the dress back. 

The customer was permitted to return the dress she used. 

Then Paypal deducted ANOTHER {$120.00} from my account today XX/XX/2020. 
Recall : I already paid for the {$120.00} on XX/XX/XXXX. 

I also received an email from them stating the reason they found in favor of the customer was because I didn't respond to the claim. 

This is false. I replied to the claim and they admitted it. 

I replied to the email and got an automated reply to message through the resolution center. 

I messaged in and waited three hours on chat for a reply. 

XXXX stated Paypal acknowledges the summary was not correct but refused to send a corrected statement summarizing the dispute. 

I asked why I paid twice and he refused to provide an accounting or explanation saying " it just looks that way '' I asked for a manager. He refused to send me to one. 

I asked to be called. 

He said Paypal won't call their customers. 

I asked for the chat to be transferred. 

He refused. 

I informed him I'd be filing this complaint, he said " feel free '' Paypal has intentionally created false records and is refusing to correct them. 

These records are critical to my recourse against the lying consumer, my business history with Paypal and my personal records. 

They are required by law to provide factual summaries. 

They are required by law to provide accurate accounting on disputes and transactions. 

Paypal did neither and then refused to do so when asked. 

Paypal refused to escalate the matter. 

I would like a corrected case summary sent to me and I would like a full accounting and explanation as to why the {$120.00} was taken twice from my account.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I would like to open a credit dispute with XXXX  XXXX, XXXX who reported a delinquent payment on XX/XX/2021 to the credit bureaus which caused my credit score to plummet XXXX points to an unfavorable rating. I requested a payoff in mid XXXX and was sent a payoff letter and payoff was made on XX/XX/2021. This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed and for your company to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from loan care. My wife has spoken to loan care twice and they are claiming they did not report this loan as delinquent. Both parties are pointing the finger and we are the damaged parties. I want this issue escalated to a second level supervisor and the department that reports out the credit file information. This has caused irreparable harm to our credit file.
Consumer complaint received 2021-10-18
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute 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 # XXXX
Consumer complaint received 2020-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CT)

I attempted to make an ACH payment to cover month of XXXX today, XX/XX/XXXX, however, the error message stated the account is not eligible to make online payments. I am trying to avoid a late fee and need to make payment before fee is assessed. I believe the error is possibly related to past returned ACH payments, if that is the case, I have a new bank account with XXXX and funds are available. I can assure BMWF ACH payment ( s ) will process and not return. In addition, I have added my debit card with XXXX as an added payment source. Past returned ACH payment was due to a deposit not posting on end of bank, I believe funds were held for ten days, not available time payment presented.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

This is with reference to my Capital One credit card with reference to last four digit card no :XXXX.i have send few letters and called also several time, with reference to the incorrect reporting about late payment for XX/XX/2018, At that time also I explained why it was not correct and when I contacted the member service for the payment, they advised that its not going to affect my scores and it was well within the pay period date. I also told by Customer service later that they have send communication to reverse when I contacted on XX/XX/2018.but nothing happened after that Also the check which i had sent for payment was never acknowledged which has created more of a problem, As result, I am facing consequence of the same and it is still showing on my credit history and this is very negatively effecting me and my current situation May I kindly ask you to please check and revert back, the in correct remark on my credit file and help clear the late reporting on XX/XX/2018
Consumer complaint received 2021-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX, I responded to a letter about credit cards from Capital One. Capital One sold the account to XXXX XXXX and I advised them that the amount claimed owed from Capital One was inaccurate because payments/refund from a cancelled cruise in XX/XX/XXXX was credited to the account. I also wrote to Captial One in XX/XX/XXXX. Both responded as if no payments were returned to Capital One. XXXX XXXX provided copies of billing statements up to XX/XX/XXXX, and did not provide any statements showing credit/payment for the cancelled XXXX cruise. 

I just discovered that XXXX XXXX have reported the account to XXXX even after failing to validate the amount owed during the validation period,
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (PA)

The XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America employees opened an account in my name while I already had a savings account with them. I also closed an account back in 2008. They opened an fraudulent identity theft account the same time I opened an account and ran the account up in ways that are impossible. 
They negative the account at XXXX I closed all my accounts with them and they began sending me this fraudulent statement in the mail. I contacted 3 executives who confirmed it was closed. 3 months later I began receiving the same fraudulent statement again for the same account.
Consumer complaint received 2024-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

I responded to 2 notices from Shellpoint my Homeowners Association Insurance and uploaded certificate twice. I called after uploading on XX/XX/2024 to XXXX XXXX Info on XX/XX/24 and was told they received the policy and sent something cancelling their upcoming payment to outside insurance on XX/XX/24. Tonight I received email saying its time for them to pay my HOA insurance! That's why I needed to file a complaint.
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (OK)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2021-10-18
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. (OH)

I have an account showing on my credit report that I never owed a debt to adn it was never in collections from SOC SEC ADMIN OFFICE XXXX. I need this error corrected at once. I am in the middle of closing on a new business contract for my XXXX XXXX company and this inaccurate account item is stoping my from doing business.
Consumer complaint received 2021-10-18
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. (OH)

I have an account showing on my credit report that I never owed a debt to adn it was never in collections from SOC SEC ADMIN OFFICE XXXX. I need this error corrected at once. I am in the middle of closing on a new business contract for my XXXX XXXX company and this inaccurate account item is stoping my from doing business.
Consumer complaint received 2020-03-30
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. (MO)

The following accounts that you and your company is reporting are fraudulent and I'm demanding that these accounts be blocked and removed immediately from my credit file. I'm also demanding the Method of Verification used when investigating these accounts. What is the employee name and title. What date and time did this occur. How was it verfied by certified documentation, fax or phone, etc. I do not have any knowledge of these accounts and asking that they be removed. 

1. XXXX XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (FL)

Throughout XXXX and XXXX two individuals with a strong hindu accent called my mobile number asking for personal information for collection purposes on behalf of Credence Resource Management , LLC. 
Since they refused to give any information about the debt, on XXXX I ", I LAWFULLY REQUESTED THE DEBT VALIDATION BE IN THE FORM OF A NOTARIZED STATEMENT BY A PERSON WITH ORIGINAL KNOWLEDGE OF THE DEBT AS IT WAS CONSTITUTED AND WHO CAN TESTIFY THAT THE DEBT WAS INCURRED LEGALLY ''. 
They finally were forced to send me information and when checked with the XXXX XXXX, XXXX XXXX XXXX, said this was an old invoice for a my wife that was fully paid, and therefore did not know why they were contacting me.
Consumer complaint received 2020-03-30
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 am writing to you in regards to account that is coming up on my credit report. I have absolutely no knowledge of this account and have sent letters requesting validation to the, to no avail! If they can not validate it, how can you report it?! Enclosed are the certified return receipts that I sent to the creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Since they are unable to give me any information, maybe you could tell me who the original creditor is, what service they performed, where they are located, amount of balance? 



If you are not able to provide me proof that this is my debt and the collection agency is not able to provide me proof either, then you must delete it. I have read about the Fair Credit Reporting Act and it states that you must only report complete and accurate information and you must honor any request to investigate a disputed item. I expect since they cant confirm it, you cant either so it must be removed from my credit report or I will be forced to involve the Federal Trade Commission.
Consumer complaint received 2020-03-30
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. (FL)

I am writing to you in regards to account that is coming up on my credit report. I have absolutely no knowledge of this account and have sent letters requesting validation to the, to no avail! If they can not validate it, how can you report it?! Enclosed are the certified return receipts that I sent to the creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Since they are unable to give me any information, maybe you could tell me who the original creditor is, what service they performed, where they are located, amount of balance? 



If you are not able to provide me proof that this is my debt and the collection agency is not able to provide me proof either, then you must delete it. I have read about the Fair Credit Reporting Act and it states that you must only report complete and accurate information and you must honor any request to investigate a disputed item. I expect since they cant confirm it, you cant either so it must be removed from my credit report or I will be forced to involve the Federal Trade Commission.
Consumer complaint received 2022-12-29
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX .... Balance : {$82.00} ; XXXX XXXX  XXXX .... Balance : {$22.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$78.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$4.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$140000.00} ; XXXX XXXX XXXX XXXX Balance : {$620000.00}
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I HAVE READ THE FEDERAL FAIR CREDIT REPORTING ACT AND IN THE LAW, CONGRESS SPECIFICALLY SAYS A CONSUMER ONLY NEED PROVIDE PROPER IDENTIFICATION. YET, XXXX  DENIED ME A CREDIT REPORT BECAUSE THEY STATED THE FCRA REQUIRES ME TO PROVIDE A UTILITY BILL. PLEASE HAVE THEM SHOW ME IN THE ACTUAL LAW WHERE IT STATES I MUST PROVIDE A UTILITY BILL. A FRAUD ALERT WAS PLACED WITH XXXX  IN LATE XXXX. I AM ENTITLED TO 2 FREE CREDIT REPORTS WITHIN A YEAR. 
MY BIRTHDAY IS XX/XX/XXXX AND MY PREVIOUS ADDRESS HAS BEEN XXXX XXXX XXXX, XXXX, CA XXXX.
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

I have attempted to make my monthly payment online through Ally 's website on multiple occasions. The first payment was made on XX/XX/XXXX ( confirmation number XXXX ) in the amount of {$1000.00}. The following day, I received a notice stating my payment was suspended. I contacted Ally customer service and explained what happened. I was told that because the account was still under repossession status, that is why the payment was rejected. The customer service rep assured me that the account was updated and that on the next business day a payment can be made. On XX/XX/XXXX, a new payment was made ( confirmation number XXXX ) in the amount of {$1000.00}. On XX/XX/XXXX I received another email stating my auto pay was suspended AGAIN. On XX/XX/XXXX, I proceeded to do a chat with a representative to correct the issue yet again. During this chat, I am told that I have to make 6 consecutive payments with certified funds. At this point my payment is late and my XXXX payment is now due. Given we are in the middle of a pandemic, I am attempting to make a payment online and avoid going to a financial institution ( which is currently closed ) to obtain a certified check. Ally will not assist me in allowing me to make an online payment via my bank account. This request is utterly ridiculous. I proceeded to contact Ally customer service at the 800 number to speak with a supervisor. The first representative hung up on me after I complained. The second representative attempted to help me. However, instead of presenting a solution to the online payment dilemma, the representative attempts to convince me to apply for a 30, 60 or 90-day extension due to COVID-19. She advises me that my payments would be added to the end of my loan. I am not having financial problems that I need to apply for an extension ( and pay more in finance charges ). I DO NOT NEED AN EXTENSION. I JUST WANT TO MAKE MY PAYMENT. Why is this so difficult?! I requested to speak with a supervisor. The representative placed me on hold and after 3-5 minutes on hold, she hung up on me. I am beyond frustrated with Ally at this point. I have own several vehicles of which I financed or leased with Ally. I have never had such a horrible experience before. 

I am requesting a call back from a supervisor/manager to resolve my issue immediately. I want to be able to make my online payments again.
Consumer complaint received 2021-10-16
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. (PA)

I don't even know where to start, there is a lot of incorrect information showing on my credit report, As soon as I realized that I contacted the credit Bureaus via letter, they are not answering me and they said they opened an investigation. They are not providing any kind of clarification and at this point I'm starting to feel frustrated.