davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

On XX/XX/18 I received a threatening letter saying I am in violation & in default of the reverse mortgage agreement since I did not pay my taxes for 2 yrs & that this places my property in jeopardy & could lead to forclosure.I have always paid my taxes on time & am up to date.I received a statement from my town tax dept verifying this & can provide it to you.
Consumer complaint received 2021-10-21
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have inaccurate information on my credit report regarding a loan from XXXX XXXX XXXX that was paid off in full and no late payments. The loan is reporting inaccurately and causing me great distress.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (CA)

I used the American Express BlueBird account in a store today to charge about {$230.00} on XX/XX/2019 in XXXX XXXX, NC and was declined. I checked before using the prepaid card and I have about {$400.00}. However, I was able to charge {$4.00} in the food court after that. I called the XXXX number at the back of the card once in my hotel room and was told that my card was compromised with unauthorized transaction. I do not believe this reason because I have been in XXXX XXXX, NC since XX/XX/XXXX and have been using the card for no problem. As a XXXX officer the situation was very embarassing as I was with colleagues. 
I was able to talk to a so called XXXX department supervisor name XXXX with ID XXXX and was told the XXXX that buying an apple is different that buying a banana even if its the same store. The apple will be declined but the banana will be approved since the apple is the one thats fraudulent.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (GA)

I have submitted multiple disputes with experian to remove XXXX from my credit report the balance was paid in full, why is it still being reported as a charge off account and is showing potential negative impact on my credit report. I have spoken with XXXX and the manager stated nope from experian has requested and information from them.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

I applied for a mortgage with Amerisave Mortgage Corporation on XX/XX/XXXX. I was forced to pay, upfront, a fee of {$500.00}, before they would consider my application. I came to Amerisave through my XXXX membership, meaning Amerisave 's origination fee could not exceed {$350.00}. My home was appraised at $ XXXX for a loan of {$510000.00}. My credit score was XXXX. My income was over {$500000.00}. This loan was the ultimate no-brainer. The communication with Amerisave became less and less frequent after they received my {$500.00}. They performed the appraisal and eventually sent me a Closing Disclosure statement but the figures on the Closing Disclosure Statement was inaccurate - the loan on the statement was for $ XXXX, not the {$510000.00} I asked for - and the origination fee was over {$1500.00} which exceeds the sum advertised by XXXX for its mortgage affiliates. When I subsequently received a revised Closing Disclosure Statement, the loan amount was accurate but the origination fee was actually HIGHER than the first figure and still well above the {$350.00} allowed as a XXXX Executive member and approximately {$4900.00} in lender credits to me had disappeared from the Closing Disclosure. My efforts to resolve the higher than permissible origination fee and the lender credits ( to me ) that disappeared were never addressed. I was told that closing would occur XX/XX/XXXX ; however, nothing happened that day. All efforts to follow-up with my processor have been ignored. I have called and e-mailed every day since last Thursday, XX/XX/XXXX, to no avail. I recently saw a XXXX settlement between your agency and Amerisave and it appears that the owner is up to his old, dirty tricks. 

I am out {$500.00} and I do not have a loan to close despite clear qualifications for the loan.
Consumer complaint received 2019-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (IA)

On XX/XX/XXXX I sent money via Western Union on-line. I had never used Western Union before. I needed to send {$15000.00}. I saw that I could only send {$5000.00} at at time so I was going to send {$5000.00} three times. When I tried to send the 2nd {$5000.00} and couldn't, I called Western Union immediately and they told me I could only send {$5000.00} in a 24hour period. And I also found out it didn't go directly to the bank account I sent it to anyway, that it takes a couple of days for it to show up. The person needed the money that day. 

I requested a refund on the spot XX/XX/XXXX. I waited until XX/XX/XXXX and it was not yet in my account. I called and they said the refund wasn't initiated until XX/XX/XXXX. I called XX/XX/XXXX they told me that there was a hold on it because it had to be verified. I asked what that meant and I was not satisfied with the explaination, I don't think she even knew what it meant .She said I should have been called for verification. Of course I wasn't. She said she would escalate it. 

I called XX/XX/XXXX and was told it would be in my bank account XX/XX/XXXX. I checked today XX/XX/XXXX and it isn't there. I told the " supervisor '' I was transfered to that I wanted my money in my acoount today and he said he couldn't do that. He said he would " escalate '' it and I told him they already did that on XX/XX/XXXX. He said he would send an email to the department that handled that. I asked to talk to that department. He said he couldn't transfer me there. I asked him what department it was and he said the " card and accounts '' department. I asked him to transfer me to headquarters and he said he couldn't. There is no number for them. 

At this point " someone '' is collecting interest on my {$5000.00}. Because I sent it and couldn't cancel the transaction, I had to borrow {$5000.00} to replace the {$5000.00} I sent and couldn't get back right away. 

Western Union has been lying to me or at the very least putting me off. Since no knows anything over there, I'm afraid I won't ever get it back. 

The original tracking number ( MTCN ) XXXX XXXX XXXX
Consumer complaint received 2019-09-13
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 a victim of identity theft, and I did not make or authorize these inquiries with XXXX XXXX inquired on XX/XX/10.2018. 

Several - over 15 addresses were listed that were NOT mine and addresses I never lived at. Someone tried to use my name and information and apply for credit cards. Many hard inquiries were pulled and my name was listed incorrectly with an incorrect phone number I've never had. 

I called the credit bureaus and lenders to fix and put a freeze on all my accounts. I've ordered all new credit cards and filed a police report.
Consumer complaint received 2019-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

Ive had a credit card with XXXX XXXX  XXXX XXXX  for about seven years. I make my payments on line. The due date is XXXX of the month. In XX/XX/XXXX I submitted a {$100.00} payment to be taken out of my bank on XXXX XXXX. They gave me conformation number XXXX acknowledging receipt. A few days after the XXXX I checked to make sure payment posted only to find it was still in my bank account. I called XXXX XXXX  XXXX to check why and was switched over to XXXX  XXXX  XXXX. The woman I spoke with informed me that the two companies were in a transition period and my payment would be taken out soon without late fees. I waited 4 or 5 days and called again because it was still in the bank. I was told the same. On XXXX XX/XX/XXXX, I called and asked the women if she would just take the payment over the phone she agreed. I told her just to take that {$100.00} and I also scheduled another payment for XXXX, paying a total of {$200.00}. In XXXX they tacked on a late fee and started calling me saying I was behind a payment. In XX/XX/XXXX, a man called and requested {$120.00}, which I sent. They told me I had {$180.00} in credit. I used {$86.00} for my dentist and a XXXX XXXX  XXXX payment. Now Ive received XXXX calls since Sunday telling me Im {$250.00} behind. Still because they wont credit me with my XXXX payment and back out all of the late fees. I asked the women why did you credit me with {$180.00} of credit and tell me Im {$250.00} behind. No answer. The woman I spoke with yesterday also told me they were a collection agency. I dont understand why the account went to collections in XXXX I was not behind on anything. I wrote a letter to XXXX XXXX   XXXX explaining my problem two months ago, got no reply. I cant get a phone number for the bank I keep getting XXXX, whose number is XXXX XXXX. I spoke with a XXXX she helped but its right back. Frustrated in XXXX and sick of these phone calls. Card number for account XXXX, valid XX/XX/XXXX.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (IL)

I called and spoke with a women representative early in the day before XXXX   CST, around the XXXX. I was unable to resolve my issue with the representative about my login to my account issue. I tried to reset my account and my set up answer and password were not recognized. The BlueBird.com ( AMEX Corp ) representative told me she could not give me information over the phone even if she was directly speaking with me. It is very frustrating that my account username : XXXX could not login to add funds as a preferred than going to XXXX to add money. I intended to add only {$2.00} to test the card out to see if this Blue Bird prepaid card/account would work for me. So far, it seems very inconvenient, as I had hoped. Should my issue not be resolved with online account login and my original password and answer to my account security question can't be reset, it seems I wont be able to use BlueBird prepaid card and simply use a local bank.
Consumer complaint received 2019-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have several hard inquiries on my credit report that do not belong to me. I have tried to contact XXXX, XXXX, and Transunion about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my XXXX  score to report drastically lower than what it should be.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (SC)

I've disputed XXXX XXXX XXXX XXXX  and now XXXX XXXX XXXX. Each time I dispute it a new account is added to my credit report. Each collection agencies are reporting are showing the original creditor as, XXXX XXXX XXXX XXXX they're reporting the same amount but different account number and they're reporting it as new debt. If the account was sold to a debt collector, it should be removed by the old debt collector and the original date should show. In this case that's not the case they are reporting as new debt. How can I owe the same debt three times.
Consumer complaint received 2019-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Hi, my name is XXXX XXXX and Ive been selling on Paypal.com for a couple of months now. Ive never had one problem with PayPal. I never had any disputes, illegal transactions, nothing along those lines. My sales have all been ligitimate and proven for with receipts. 

On XX/XX/2019 at XXXX XXXX, Paypal decides to permanently ban my account. In the email they do not give a valid reason why. I have over $ 2,000+ dollars in the account that needs to go towards XXXX XXXX. Paypal Customer representatives have been very disprespectful towards me when I ask for clarification as to why I cant have my money. I literally have done NOTHING wrong.  Ive asked to speak with managers and they were no help. Ive asked to speak with supervisors and they were no help. Please help me retrieve my money back.
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (IA)

I have tried to lower my debt but as I dont have a good paying job I am struggling to make payments on my XXXX MasterCard. I would recommend to do an audit of who has access to that information and who doesnt. I didnt allow any access to my personal information on any credit cards.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MD)

I paid off my balance with synchrony Bank last month I called them multiple time for them to resolve the matter with a letter explaining that my balance is {$0.00} still didn't receive a letter and the problem still not resolve. My credit score report drop significantly and showing serious delinquency because of this matter I need it to remove ASAP because I do not owe that bank anything and it impacted my credit score severely.
Consumer complaint received 2023-03-09
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)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have checking and savings with bank of america and about 3 months ago i was going through my online checking and saw XXXX debiting my account {$14.00} month and a XXXX XXXX XXXX a vitamin company debiting my account for@XXXX and XXXX month so i called bank of america and opened a dispute for theses transactions. upon talking to the bank these companies called a third party told them i had a contract with them and had been taking money out of my account for a year, during that one year period i changed by debit card twice and was baffled as to how they kept getting into my account and the bank disclosed to me that they were re-setting themselves up with the XXXX/XXXX people everytime i got a new card. Needless to say i was livid. i do have an XXXX   and XXXX account, however, i have never bought an app or music to warrant $ XXXX monthly from them and of course it is impossible to call them. XXXX the vitamin company was a free trial only and then they latched on and started sending a ton of their vitamins to me which i already called and canceeled several times. Of course the bank declined my dispute with no clarification as to why and it is unacceptable my hard earned money of about {$700.00} to both of these crooked companies should go unpunished and not returned to me. Neither company has anything signed or approved by me for these charges and it is wrong for anyone other than me to give them access to my money. I had to block both of them from my account to stop having them get to my account. Someone needs to stop this ridiculous interlocking corrupt commercial system where they can just call their buddies and get free rides to other peoples money. i tried to get their checking account information and not one person could give it to me, so how is it so easy for them to get mine?? If you could possibly help me to get any resolution on this matter at this point, i would be grateful. Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Request for Validation and Removal of Inaccurate Information from Credit Profile I am writing to address a matter of significant concern regarding the accuracy of information on my credit profile. I have recently become aware that your agency is reporting information that has not been properly validated, a practice that directly contravenes the provisions of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information pertains to the following account : Creditor Name : XXXX Under the FCRA, I am entitled to accurate and verifiable information on my credit report. The reported account has not been adequately validated, and as such, I am formally requesting that your agency comply with the following : 1. Provide full validation proof : Furnish detailed documentation supporting the accuracy and legitimacy of the reported debt, including but not limited to the nature of the debt, the amount owed, and the original creditor. 

2. Compliance with FCRA : Acknowledge and rectify the violation of the Fair Credit Reporting Act by ensuring that all information on my credit report is accurate, verifiable, and in compliance with the law. 

I emphasize that the inaccurate reporting of this debt is not only damaging to my credit standing but also constitutes a violation of my rights under the FCRA. If your agency fails to provide the requested validation information within the stipulated time frame, I reserve the right to pursue legal action to rectify this violation. 

To facilitate communication, kindly forward all written correspondence, including the requested validation information, to the address within this complaint. 

Alternatively, I request the prompt removal of the inaccurate account from my credit profile if full validation proof can not be provided within the specified time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution to rectify this violation of my rights under the FCRA. 

Thank you for your cooperation.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

The account was closed by the lender on XX/XX/2011 ( correctly listed on the credit bureaus ), which is outside the credit reporting scope. However, they refuse to remove the account from my report, because the creditor says that it is still delinquent.
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc. (MI)

I called Key 2 Recovery Inc at XXXX XXXX to get my account information so that I can pay off a debt. They gave me the information and I told them I would get the bill payed in full. Then at XXXX XXXX I received a call from them which I declined due to being at work. Then I received 4 more calls at XXXX, XXXX, XXXX, and XXXX. They called me 5 times within 13 minutes! That is harassment and it is NOT okay. I answered the phone on the 5th call and told the person I was working and can not make the payment until later. I use to work for a collection company. I know this is wrong, especially since I had already spoke with them and told them I will be paying. This is not acceptable.
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.