davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
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. (CA)

What is going on with the world? I know CO-Vid is making things take forever but this is just ridiculous. I've been trying to get the credit bureaus to investigate some accounts for me since XX/XX/XXXX. They haven't done anything. No notices and no status updates on my credit monitoring showing anything has been done or even initiated. I sent a second round on XX/XX/XXXX and again nothing. Can I get you guys to get the credit bureaus off their lazy XXXX  and do some work? CO-VID or no, I still have to work so why can't they?
Consumer complaint received 2020-08-04
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. (CA)

What is going on with the world? I know CO-Vid is making things take forever but this is just ridiculous. I've been trying to get the credit bureaus to investigate some accounts for me since XX/XX/XXXX. They haven't done anything. No notices and no status updates on my credit monitoring showing anything has been done or even initiated. I sent a second round on XX/XX/XXXX and again nothing. Can I get you guys to get the credit bureaus off their lazy XXXX  and do some work? CO-VID or no, I still have to work so why can't they?
Consumer complaint received 2020-08-04
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. (TX)

I submitted my dispute to equifax via the cfpb. They did not respond there but sent me a letter asking me to verify my address, place of work, and ss. Via the mail. The dispute was submitted XX/XX/XXXX. It  was a complaint into Equifax 's miss handling of a complaint that took longer than 30days to respond, yet it is still on my credit report. I can not speak with anyone on the phone cause the system does not recognize me. It feels like this was a malicious attempt to prevent me from communicating with them, when they fail to notify me with in 30 days, and now they dont want to deal with the issue they created. 

I have attached the original disputes, which have the paper trail of how  they handled the dispute originally. Then when brought to thier attention, I filled an additional dispute against Equifax for taking more than 30day, to which the disputed the validity of the dept, instead of what the dispute was actually about, and I have included the letter they sent which contains a typo n my address. So I can not very what they are asking for, cause it's not true. This is what they sent instead of calling me, or actually handling the dispute sent. I did not include the dispute submitted on the XX/XX/XXXX, because it was already a dispute from over 60 days ago that they have yet to properly address. 

They need to own up to thier mistake and remove the item from my credit as well as fix thier system tmsobthat I can reach them on the phone. 

This is absolutely ridiculous how long Equifax is taking to handle something that started over 90 days ago. And now it's like trying to work with children who dont want to do thier chores. Get you act together equifax you cant provide XXXX pore service, and then play games instead if owning up to your mistakes and eating the cost.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

Please delete and remove the XXXX XXXX account from my credit report listing as a hard inquiry. I have had no contact with this company and I have not applied for credit on their stated XX/XX/XXXX or XX/XX/XXXX. It is well past Maryland statute of limitations 3 or 7 years! I am still being harassed by this company when there was a charge off as of XX/XX/XXXX. I have successfully had this information removed from XXXX report and my XXXX report. Thank you very much for your help. Sincerely, XXXX XXXX
Consumer complaint received 2020-08-04
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. (CA)

What is going on with the world? I know CO-Vid is making things take forever but this is just ridiculous. I've been trying to get the credit bureaus to investigate some accounts for me since XX/XX/XXXX. They haven't done anything. No notices and no status updates on my credit monitoring showing anything has been done or even initiated. I sent a second round on XX/XX/XXXX and again nothing. Can I get you guys to get the credit bureaus off their lazy XXXX  and do some work? CO-VID or no, I still have to work so why can't they?
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

THERE IS A XXXX ACCOUNT ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE TO BE OPEN USING MY PERSONAL INFORMATION AND I BELIEVE THIS IS A CASE OF IDENTITY THEFT. I WOULD LIKE THIS ACCOUNT REMOVED FROM MY CREDIT REPORTS IMMEDIATELY AS THESE NEGATIVE REMARKS ARE HINDERING ME FROM OBTAINING NEW LINES OF CREDIT. ALSO THERE ARE XXXX HARD INQUIRIES THAT I DID NOT INQUIRE XXXXXXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Auto ) XXXX XXXX, XX/XX/2023 XXXX ( Finance ) XXXX XXXX, XX/XX/2023 I NEED THESE ISSUE HANDLED PROMPLTY PLEASE TO AVOID LEGAL ACTION
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

CAPITAL ONE AUTO FINANCING IS REPOTING AN ACCOUNT THAT IS INACCURATE. THE ACCOUNT HAS BEEN PAID IN FULL. THE REPORTING AGENCIES DO NOT HAVE PERMISSION TO EPORT THIS ACCOUNT.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (NM)

PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX enriching themselves from my hard earned money. PayPal transferred my whole balance ( {$9000.00} USD ) and took my hard earned money under the Transaction ID : XXXX. ( please find attached the screenshot of the transaction ) Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. Looking forward for your reply. Thank you
Consumer complaint received 2022-12-30
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: Atlanticus Services Corporation (OH)

This started with the XX/XX/2022 statement when I noticed unauthorized transactions from getting a new card the card being expressed to the person, which I don't know. I contact the credit card company and thought everything was solved and told new card with new number would be mailed in to to 15 days not received as of yet. 

Call the credit card company today and was told the account was closed and a new card WOULD NOT be issued. 

I have talked to both their customer service and also their fraud department to settle this several times and get a different answer.
Consumer complaint received 2020-08-04
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX, XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On XX/XX/2020 I made my payment via online bill pay with XXXX. My mortgage is with PHH Mortgage/XXXX. Although no changes were made and my payment has always arrive on time for XXXX payment was NOT received. For the last 3 weeks I have tirelessly been calling on a daily basis to find the lost payment. On XX/XX/XXXX, PHH mortgage informed me that they finally had located my payment. My payment went to XXXX XXXX. PHH told me it was up to me to get my money back from XXXX. XX/XX/XXXX I called XXXX to tell them my crazy story and they had me email my proof of payment. XX/XX/XXXX, I followed up with PHH Mortgage/XXXX and XXXX without much luck. 
No one will take responsibility to what happened to my payment of {$2800.00} On XX/XX/XXXX I made my XXXX payment and I believe that same has occur since it hasn't posted to my account. As I write this complaint there XXXX of money that no one wants to help resolve. 
Please help me get my money back.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX, XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

I have HAF program that help pay for the next 12 months for my mortgage til XX/XX/2023 and my mortgage company United wholesale had no program getting my first two payments and for the month of XXXX they say they dont have it so I called the HAF program and they said that the mortgage company does have it so I called the mortgage company and I was told that posting is just behind on payment posting thats why my check has no been posted for XXXX that is not right I was nervous so I had to pay for my XXXX payment because my mortgage company is behind in posting payments thats not fair.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Please update my address to : XXXX XXXX XXXX XXXX CO XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1974 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-12-30
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: Affirm Holdings, Inc (FL)

Affirm has a fraudulent transaction on my account which is now delinquent. I have tried to resolve this issue multiple times but each time they have neglected any effort in assisting me. Please review my account and notice that i have attempted to file a dispute with XXXX but since then have also been declined. I have become desperate since i am getting no help on my case. Please review and make your decision accordingly
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to dispute an account on my credit report with the three credit bureaus. XXXX XXXX /XXXX. The account has been included in my bankruptcy. I want it added on as it should be there. I already sent letters to all the credit bureaus on XX/XX/XXXX and I still have not received any paperwork. 

Please have them send me something saying they've fixed this and placed it in a bankruptcy status.
Consumer complaint received 2022-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

DEPITE, BEING APPROVED XXXX XXXX, BY XXXX XXXX XXXX XXXX XXXX HOME OWNER ASSISTANCE FUND GRANT PROGRAM , APPLICATION XXXX FOR MAXIMUM XXXX TO PAY MY ARREARS THAT IS NOW XXXX  WITH RUSHMORE LN MNGMT SVCS LLC REFUSING TO LOWER MY ARREARS TO XXXX WORK OUT ORDER PLAN SO THE GRANT MONEY CAN BE WIRED TO THEM TO SAVE MY HOME. SO I COULD SEND THE WRITTEN WORK OUT ORDER PLAN TO: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE XXXX EMAIL : XXXX
Consumer complaint received 2023-05-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

I do not have a signed contract agreement with National Credit Systems therefor I do not owe any money to National Credits System. 

I am requesting a signed copy from XXXX XXXX showing my signature for the charges of {$1000.00} ( not the lease ), where did I sign agreeing to these charges? A receipt is not an acknowledgment without my signature stating that I agree to those charges. A copy of a lease is not acceptable!! Please show me a signed signature on the receipt stating that I owe that amount to XXXX XXXX ( again not a copy of my lease!! ) and that I agreed to those charges. The lease is not proof that I owe {$1000.00} to XXXX XXXX. 

Again, I don't have a signed contract agreement with National Credits System. National Credits System needs to provide me with proof that I owe National Credits System. Provide me with a copy of a signed agreement between myself and National Credits System.
Consumer complaint received 2022-11-07
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. (AL)

Improper use of credit reporting; Credit ran without consent.

Creditors Name:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (OH)

I have been a very good credit customer with Target for almost two decades. Over the years they have increased my credit limit to XXXX. On XX/XX/2020, I received a credit alert from XXXX XXXX. That alert indicated that Target has reduced my credit limit from {$12000.00} to {$3500.00} which can impact my credit rating. I checked my Target account and it did show that my credit limit was now set to {$3500.00} with no notification and no explanation. I contacted Customer Service immediately. I was told by the account rep that it was due to the fact that I hadn't used the card in six months. I was appalled given that they would take this action for non-use during the Covid-19 pandemic. I then requested to talk to a manager.  The 'manager ' told me that it was because I had a high balance on one of my revolving accounts which was reported by XXXX. She would not tell me what specific account nor give me any information on how to contact the credit reporting agency. Prior to this event - my total credit usage was at 8 %, but now it is at 11 %. They told me there was nothing they could do. I told them that I do not understand why they did not notify me of this change that impacts my credit rating and I only found out about it through another bank. They told me that it is nothing that they did and that it was because of the credit reporting agency actions.They also said there was nothing Target credit services could do to help me. 

As a result of this change my previous credit rating of XXXX has dropped to XXXX. 

I have a separate account that I recently took advantage of a 0 % interest deal to pay for a college fee of {$6000.00} for my son because I can pay it off gradually over 9 months instead of paying up front. I can only assume that is the account they are flagging - but I've had much higher balances on multiple cards in the past, temporarily, without these kinds of actions being taken, so my only thought is that they are likely cutting credit lines to many people to limit risk due to the pandemic. I paid off a lot of debt over the past year - including my vehicle and am almost done with a home improvement loan which was originally {$25000.00} and is down to $ {$3100.00}. This is disturbing because other accounts could take similar action because of this event and further damage my credit rating. 

I have been employed with my current employer for over 20 years and am able to work from home 100 % of the time. My company is doing very well through this crisis. I am very low risk for creditors, and this is very disturbing that they can do this and have this negative effect on my credit rating without even notifying me. I can only imagine what this could be doing to people that actually need to use their credit lines during this difficult time.
Consumer complaint received 2022-12-30
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 intrested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed Alot of invalid information that is hindering my file. I am intrested in getting my file cleared to correct my credit report.
Consumer complaint received 2022-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

The debt is owed by the VA. 
I have contacted the company twice about this and both times they agreed. 

Several months later I received a call trying to collect this debt. 

3 days later I received a letter. I called the number on the letter and I was give advice on how to proceed. The gentlemen told me " sir if you don't owe this money, you wouldn't be getting this letter. Followed by a chastising. 

I have hit a brick wall!
Consumer complaint received 2020-08-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Midwest Fidelity Services, LLC (FL)

Lender terms misrepresented and charged excessive amount of interest that was impossible to be repaid. I tried to make a settlement arrangement but they refused and had to incur penalties and fees for terminating bank account to stop the harassing withdrawals. Representative did not accurately explain terms. Disclosures were intentionally confusing and misleading. They have since hired a collection agency who is now attempting to collect the Unfair,  deceptive and abusive terms of the loan.