davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-15
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. (NY)

There are many multiple incorrect addresses and name spellings on my credit report. 

Below is the only accurate information XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX There are multiple miss spelled names that should be deleted off of my credit report, as well as multiple addresses which I never lived. 

The only previous address I should have on my credit report is XXXX XXXX XXXX XXXX, NY XXXX Please delete the following addresses XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are many multiple incorrect addresses and name spellings on my credit report. 

Below is the only accurate information XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX There are multiple miss spelled names that should be deleted off of my credit report, as well as multiple addresses which I never lived. 

The only previous address I should have on my credit report is XXXX XXXX XXXX XXXX, NY XXXX Please delete the following addresses XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2019-10-15
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. (TN)

XXXX XXXX has reported for the last 3 months we are late for payment on their account. I have been subjected to identity theft and fraud. I have included police reports to XXXX XXXX and Experian and they will not remove the item from my account. We have disputed 2 with Experian and XXXX XXXX with all the information, but they still will not remove. All creditors have removed the item from my credit report except for Experian and I am constantly harassed by XXXX XXXX to make a payment.
Consumer complaint received 2019-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (VA)

There was a unknown number that sent me a text about paying debt that I don't owe. It was a collection agency called Municipal Services Bureau  ( MSB ) behalf of XXXX Co Court-OJD. I don't if this is a scam or if they are wanting the money from me. This could result probably in bankruptcy or fraud in my banking account. The MSB would plan to file a lawsuit against me for my payment and more money owed. I do not owe any of those to MSB.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXL XXXX XXXX XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00}
Consumer complaint received 2019-10-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Pinebrook Holdings, LLC (MO)

On XX/XX/2019, Advanced Loans, XXXX XXXX , XXXX XXXX MO, was authorized to take two payments of {$76.00} from my XXXX card. They took out three payments instead causing my account to incurr an overdraft fee of {$76.00}. After speaking with the supervisor, I was assured that I could come to the location to be reimbursed for the error. When I got to the store I was advised that they would only give me the {$20.00} overdraft fee. When I asked to speak back with the supervisor I was told to wait. I
Consumer complaint received 2024-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SOUTHSTATE CORPORATION (FL)

I have been trying to make extra principle only payments to my boat loan at south state bank. They have been taking interest from these payments and Ive contacted them to resolve it but they tell me its a third party website and they dont know why it didnt go to only principle. 
Then my regular monthly payments now go only to interest!?! I called again this morning and they couldnt tell me why this is happening. I lost XXXX this month alone due to this and they cant tell me why?
Consumer complaint received 2019-10-15
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (NY)

I cancelled 2 money orders in XX/XX/XXXX and ordered a stop on the money orders because it was lost. Western Union send me a letter in XX/XX/2019 to send {$15.00} for each money order to receive my 2 refund check money order. Then I called today XX/XX/2019, customer service and the 2 money orders have been cashed and the refund of {$15.00} for each money order customer service said it is for a copy of each money order. I never asked for a copy of the money order and I wanted only my refund. 
Western Union stole my {$30.00} that I send to receive my refund money orders!.
Consumer complaint received 2019-10-15
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)

you keep letting these 4 account report inaccurate the statuS of the accounts are SOLD/ CHARGE OFF BECAUSE THEY WERE SOLD THEY ARE NOT DEROGATORY THEY ARE SOLD THE CURRENT PAYMENT STATUS OF THESE ACCOUNTS ARE SOLD/CHARGE OFF THEY ARE NOT IN COLLECTIONS SO TELL ME YOU SELL AN ACCOUNT THEN YOU SEND IT TO COLLECTIONS ARE YOU FOR REAL GET MY REPORT RIGHT OR BE SUDED
Consumer complaint received 2022-01-25
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. (MS)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-25
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: EQUIFAX, INC. (MS)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My wife and I went to look at vehicles for purchase. We were trading in our XXXX  for another XXXX. The asked us how our credit XXXX  scores were. I said XXXX hundreds. We were successful I. Getting the car. The next couple days following I would see my credit score go increasing lower due to extreme inquiries from car loan banks hitting my credit report. I did not tell the salesman it was okay to pull my credit. I told the. To wait until I looked around. Its unfair that banks can do that to a persons credit. Im right in the middle of trying to refinance my home and was denied do to wrongful credit reporting.
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

hi once i gone to XXXX last summer in the hotel while i browse XXXX on my device, i login with XXXX accidentally on paypal also as XXXX not work there in XXXX, then i received your account limited after i upload the id card proof of address, proof of business, just XXXX seconds i received a reply from paypal system You can't use PayPal anymore, i know 100 % because of vpn, as i login accidentally, i need resolution please for my account as i'm very honest and trusted customer from 10 years ago without any issues, this is my case Reference ID : XXXX. paypal email XXXX XXXX
Consumer complaint received 2024-03-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

I requested debt validation from TSI collections agency and did not receive what was requested. This collections agency stated that I have been notified via email with a demand letter ( not debt validation ) via email. What email? Where is the email receipt that I was given this info? when was the email sent? If this was in fact the case how does this collection agency have an email address on file for me as this information wasn't shared with this agency nor was there permissible purpose for my info to be shared. Violation 1. I was shown a statement, a statement isn't considered debt validation. Please provide me with the contract that I have between TSI & Myself along with my wet ink signature signed with an agreement with XXXX stating that you have the right to even collect this debt from me or share information. Where is purchasing agreement between you and the creditor that I allegedly owe money to? Again I did not receive proper notification of this debt and this company has no authority to furnish any account to a consumer reporting agency without proper documentation see 12 CFR 1006.34. This violates the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide requested documents, reporting the debt to credit reporting agencies without providing the documents, and failing to tell the credit bureaus this debt was disputed. See 15 U.S.C. 1692g ( a ) and ( b ), 1692e ( 8 )
Consumer complaint received 2018-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (MI)

My Suv was stolen in XX/XX/XXXX. the auto insurance company paid the amount due for the XXXX SUV in XX/XX/XXXX, which left a {$4000.00} balance ( I don't know why ) but I contacted the loan company Consumer Portfolio service and they explained that I did not have gap insurance. I told them that they never offered me gap insurance and they said that the auto insurance company should have offered it. ( I called the auto insurance company and the said that Consumer Portfolio Services ( CPS ) should have offered it ). So I am stuck with this {$4000.00} balance. I call CPS in XXXX and they agreed to let me pay {$100.00} a month and I could pay more when I could. I started to see my credit score that was almost 700 decline. I could not figure it out I looked at my credit report in XXXX and CPS had been reporting me late but I wasn't the amount was scheduled to be deducted from my account every month and I paid ( I have proof ). Every month I was reported late my credit score plumbed to 500 credit score I could not believe it. I talked to several departments, finally, the finance department told me to " forget the payment plan you should still be paying the car note which was XXXX. '' I was sick this company asks in bad faith.. I finally paid off the balance and they are still reporting me late on my credit. Please help me with this company I follow the payment plan. I want those negative marks reported from XXXX until now. I work really hard on my credit and CPS told me to go get a new car they would finance it. I would never after they destroyed my credit.
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AZ)

On the XX/XX/2021 one I received a spoofed phone call from XXXX XXXX at XXXX PM MST this phone call was a very professional act of fraud completely imitating the XXXX XXXX fraud detection phone call that I have received in the past and made me believe my Zelle was being XXXX therefore I followed through and ended up getting scammed into sending money forward to another person using my own phone number.
Consumer complaint received 2022-01-13
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc (NY)

For the last 2 years, I am having problems with opening Paypal personal account, whenever I apply for a new account Paypal is closing it forever, I kindly ask Paypal to reconsider their decision and allow me establish an account with them, please find attached identity documents.
Consumer complaint received 2022-12-16
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. (NC)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these accounts from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$120000.00} XXXX XXXX  XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JNR Adjustment Company, Inc (CA)

I rented a car with XXXX back in XX/XX/2021. I booked through XXXX, and paid for the care when I picked it up with my credit card. I returned the car after 2 days.. I recently received a letter in the mail saying the bill for the car rental went to collections. XXXX sold it to JNR Adjustments. They never notified me they were sending it to collections or anything. I called them to let them know I did in fact pay for this rental. They said my bank pulled the money back in XXXX. My credit card company, XXXX assured me that while they did pull back money from certain merchants due to a fraud investigation on my account, they rebilled the money back to all merchants that were valid transactions, including XXXX, and are mailing me the supporting documents. They are mailing me the bank statements that show the transaction for this XXXX XXXX did indeed go through, and I had already paid the balance off with XXXX, as I closed the account in XXXX. Per XXXX, I should get those statements in the mail in 7-10 business days. After speaking with a representative named XXXX at XXXX billing department again, not only were they incredibly dismissive, but did not follow through on my request to have a supervisor call me back, when I gave my call back number. Every time I called XXXX customer service, I waited anywhere between 1-2 hours for a representative to answer, only for them to have to transfer me to a supervisor, which caused another 1-2 hour hold. Finally, they told me there's nothing they can do since they sent the debt to collections, and I have to speak with the collection agency. I am extremely upset with how XXXX handled this. I am in the process of getting a student loan to do my XXXX program, and this would have completely ruined my chance. This will devastated my credit score, and me as well, if I wouldn't be allowed to take out my student loan. I am writing to you in hopes that this will be rectified, and does not happen again to anyone in the future. It's upsetting that this is my experience with my first ever rental from XXXX.
Consumer complaint received 2017-07-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BMW Financial Services NA, LLC (MD)

On XX/XX/XXXX I applied to refinance my XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX. I 've purchased two BMW vehicles with XXXX XXXX, my payment history is very good with XXXX XXXX, which they allowed me to not make two months of payments, which will be push to back of car loan, due to my Great Payment History. They denied me the right to refinance the car. I called XXXX XXXX at XXXX on XX/XX/XXXX to inquire of the status of my refinance application, they informed me that I was denied, without reasonable cause. I believe that I 'm being discriminated against, or what you call " Red-lining '' i.e., in the real estate industry, I presume it is the same terminology being illustrated in this situation. The interest I 'm paying on the vehicle is 10.4 %, which is extremely High, I was taking advantage of, when purchasing this vehicle, I hope that the CFPB will assist me with protecting my rights as a consumer. Car Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank You, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-08
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)

inXX/XX/2019 i submitted a dispute to transunion because they were incorrectly reporting my balance for my XXXX XXXX account ( # XXXX ) and my XX/XX/XXXX XXXX XXXX account ( # XXXX ). for two months they did not update the XXXX  balance on these accounts. upon receiving the results of the dispute, i was notified that the accounts were removed and that transunion would no longer report them. this made my credit score plummet severely. the XXXX XXXX limit is XXXX and the XX/XX/XXXXXXXX XXXX limit is XXXX. when i called them back they stated i was an authorized user and that they were not obligated to report. this subtracted XXXX from my available credit and was detrimental to me. i was denied housing because of it. when i called again transunion stated that if the primary card holder requested that i be reinstated on the reporting that they would resume reporting. after doing what they said they still have refused to report my credit history on these accounts.i have been paying these accounts on time and have maintained creditworthy history that i need reported. 
transunion is also reporting incorrectly on my XX/XX/XXXXXXXX credit card account. this account is paid in full and agreed by credit grantor to be deleted. transunion is reporting it to still have a balance and charged off.
Consumer complaint received 2019-10-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MD)

XX/XX/2019 contacted lender recommended/provided by my current mortgage servicing company to inquire about the FHA Streamline Refinance and decided to apply. 

XX/XX/2019 Signed/Returned First Interest Rate Lock Agreement with Freedom Mortgage from 4.50 % to 4 %. Mortgage Processor XXXX XXXX. 

XXXX XXXX, 2019 Provided additional information as requested. 

XXXX XXXX, 2019 Scheduled call Appointment with XXXX XXXX to finalize documents, at her request for XXXX XXXX, 2019 at XXXX. She never did call so I sent her a text message to see what was going on. 

XXXX XXXX, 2019 Email from XXXX XXXX my Mortgage Processor is XXXX XXXX. 

XXXX XXXX, 2019 Contacted current mortgage servicing company, XXXX to express my concerns of being handed down from processor to processor and not getting anyone to call/text me status of my refinance request. They connected me with the first person I originally spoke with, XXXX XXXX. When he called me back I told him of my frustrations with the company and for my troubles I now wanted the current listed refinance rate of 3.50 %. After speaking with his supervisor I was granted the 3.50 %. 

XXXX XXXX, 2019 Signed/Returned New Interest Rate Lock Agreement - Expires XX/XX/2019. 

XXXX XXXX, 2019 Email from XXXX XXXX - My new Mortgage Processor is XXXX XXXX. 

XXXX XXXX, 2019 Emailed XXXX XXXX for status of refinance. 

XXXX XXXX, 2019 Email from XXXX XXXX - My loan has been reassigned to XXXX XXXX. 

XXXX XXXX, 2019 Emailed XXXX XXXX copy of same email sent to XXXX XXXX for status of refinance. No response. 

XXXX XXXX, 2019 Called XXXX again for assistance due to Freedom Mortgage not responding to me by phone/text. This time I was told I had to take it up with Freedom Mortgage and called the number they gave me. The receptionist assured me she would get in touch with XXXX XXXX who was currently out of his office ( she further stated we work in the same building ). Paid current Mortgage online. 

XXXX XXXX, 2019 contacted HUD about filing a complaint and obtaining a list of approved lenders in my area in hopes of finding a professional and responsive lender to work with so that I can proceed with my streamline refinance XXXX XXXX, 2019 XXXX XXXX ET still no call/text from Freedom Mortgage.