davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC (PR)

On XX/XX/XXXX Planet Home Lending submitted a lawsuit against me due to missing payments on my late fathers mortgage. I am the new owner by law, and there is a declaration of heirship that establishes said information and the company has this document, and has been sent multiple times since XX/XX/XXXX. When I was finally able to aply for loss mitigation, the company provided the documents. On XX/XX/XXXX I received a response from XXXX XXXX via email that they have received the documentation and will review the information provided so they can reply with the options I have to aliviate the debt. However, when checking the lawsuit status on XXXX portal, the lawsuit is still active. When a loss mitgation package is being reviewed and worked on the lawsuit must stop its course and has to be updated to inactive. When checking the portal, the lawsuit is still active to this day, XX/XX/XXXX. This is retaliation from the company and XXXX and XXXX XXXX XXXX, lawyer XXXX XXXX XXXX XXXX, as the status of the lawsuit is still active. Also, I haven't gotten a response to the loss mitigation request or the authorization and the assumption of the loan.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I have written all three bureaus in reference to my credit. In months my credit score has drastically dropped. I recognized I have had credit issues however, the amount of accounts reflected on my credit report were far greater than the negative. Instead of receiving a solution to my issue my email is bombarded with offers from the credit bureau to purchase their products or to open a credit card. How does this solve my problem or correct my credit score. How can the reporting agency be non bias if they are constantly trying to sell me something. As I previously stated I know I have credit issues and I am resolving and addressing each issue, however, I have paid off far more accounts and in good standing than negative. I do understand there is more in play such as, credit inquires and how high the balances are as well. Please help!!!
Consumer complaint received 2018-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/2018, I sent a test run for transferring money ( {$1.00} ) from  Suntrust checking acct. to XXXX XXXX, which I have a checking acct., the fund arrived ( {$1.00} ) the next day. 
On XX/XX/XXXX, transferred {$1100.00} the same way .... as of this day it has not arrived at XXXX acct..and it has not shown up in my Suntrust acct. 
I have visit Suntrust each day asking to have it checked out, which they have, we have no results from the transfer Co. ( Fiserv ) that does the electronic transfer of funds for Suntrust. 
On XX/XX/XXXX .... I decided to run some more tests .... I transfer {$1.00}, XX/XX/XXXX transfer another {$1.00} and XX/XX/XXXX transfer {$1.00}. 
All of these transfer was successful in getting to XXXX checking acct. 
I have asked Suntrust to give me a provisional credit to my checking acct. which they have refused to do, HELP Thanks XXXX XXXX
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I opened a credit card account with CITI Bank on XX/XX/2021 but had never received the card in the mail. I later spoke to a representative to have a new card sent out only to find that my account had been closed against my explicit instructions to just send me a new card. Now my credit score has been negatively impacted by 23 points as a result.
Consumer complaint received 2021-10-20
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. (GA)

I checked my credit report on XX/XX/2021 to find that Experian willfully failed to comply with requirements imposed under the FCRA. The FCRA 's purpose pursuant to 15 US Code 1681a ( 4 ) is to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been violated and abused under this notion. I am aware and have provided proof to Experian which was mailed on XX/XX/2021, received and signed for onXX/XX/2021 certified with a return receipt that they are in violation of 15 US Code1681n ( B ) which states that in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX XXXX continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Hello, and I hope all is well. XX/XX/2020 letters were sent to addressed issues : While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party XXXX XXXX XXXX to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2024-02-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mid-South Adjustment Co., Inc. (AR)

On XX/XX/XXXX, I was sued by a random debt collector by the name of MID-SOUTH ADJUSTMENT CO. I have never been in contact with this debt collection company, I was never served a summons to court, and I was never notified by this debt collection agency regarding the debt in question. I was not given an opportunity to dispute the debt. I received a letter in the mail showing where a default judgment was taken against me and that my work wages will be garnished. I am lost for words because I don't know where this debt came from. I was sued by surprise. I didn't even receive any calls from this debt collection company. I am asking for justice regarding this issue.
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NRA Group, LLC (PA)

Hello, and I hope all is well. XX/XX/2020 letters were sent to addressed issues : While reviewing the credit profile to XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party National Recovery Agency to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Benuck & Rainey, Inc. (FL)

Please inform this collection company to immediately cease contacting me at the number listed in this complaint for an alleged debt that they paid pennies for, also, the company makes repeated phone calls for an alleged debt without sending written notification. Additionally, the alleged debt is well past the Statute of Limitations for any further action on. Therefore, this company should not be passing on this debt to another sham collection outfit in an attempt to collect.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

XXXX user XXXX is a scammer with the name of XXXX XXXX. Sent {$1200.00} via Zelle to a her and a XXXX on XXXX who is still operating and asking for more from me! Also stole my debit card info but were unsuccessful charging it.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mountain Land Collections, Inc. (UT)

XXXX is reporting debts I do now owe. They are continuing to report a balance, they were included in Bankruptcy Docket # XXXX. XXXX is in clear Violation of the Bankruptcy Law and FCRA.
Consumer complaint received 2018-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

My PIN was the same as my gate code at my home, which is how someone figured it out. Someone came into my house while I wasnt home and stole my computers, wallet, and phone, which was how they were able to sign in and out of my account. My computer and phone have since been recovered but not my wallet. 
XXXX Transactions : -XX/XX/2018 - Payment to XXXX XXXX MA, XXXX XXXX XXXX, XXXX , FL , US - $  XXXX -XX/XX/2018 - Authorization to XXXX XXXX, XXXX XXXX, XXXX LA, FL , US - $ XXXX -XX/XX/2018 - Debit card ATM withdrawal XXXX - {$280.00} -XX/XX/2018 - Debit card ATM withdrawal XXXX - {$300.00} -XX/XX/2018- Debit card ATM withdrawal {$300.00} __________________________________________________________________ Paypal denied  my claim for a refund to due the following : Once the funds were in the account, the PayPal Debit MasterCard and the Personal Identification Number ( PIN ) were used to access the funds. This indicates the card user had knowledge of funds entering the account, as well as personal information needed to access the money. Finally, there appears to be consistent login activity in the account while the disputed activity took place. Despite this consistent account activity, PayPal was not notified of potential compromised card use until the present. This indicates the account holder had knowledge of the spending activity on the PayPal Debit MasterCard and authorized its use. Based on the reasons stated above, we have concluded the disputed activity to be valid. As such, we have decided to close our investigation.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (MI)

XX/XX/XXXX - Opened account XXXX XX/XX/XXXX - XXXX CFPB Complaint with Welcome Bonus I did speak to a representative, My company is XXXX XXXX its doing business under my name. In the state of Michigan we do not have to register for XXXX XXXX so I don't know of any specific additional document you would want. I did provide a tax documents which had a description error which lead to my account to be locked. 
XX/XX/XXXX - Tried to closed after receiving a fraud alert. The banking would not do anything but repeatedly say the account is locked ... My records indicate I should have roughly {$27.00} plus or minus. I just want this account closed as I do not use it for my XXXX XXXX business account. 

Thank you, XXXX XXXX
Consumer complaint received 2021-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (TX)

Im XX/XX/XXXX I was served papers declaring that I was being sued by Credit Corp Solutions Incorporated for the amount of {$1700.00}. In Texas, where I live and am being sued in, the statute of limitations against debt collection states that 4 years to the date of last payment made to the debt is the timeframe in which debt can be sued for. The last payment made to this debt was XX/XX/XXXX. The date this debt citation claim was filed was XX/XX/XXXX. This makes the time of last payment to the relevant debt until the debt citation claim being made a total of 4 years and approximately 2 months. This is time-barred debt.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OR)

On Saturday, XX/XX/XXXX, my account was closed at approximately XXXX XXXX. I tried to transfer my funds externally, but my financial institution US Bank blocked my transaction, closed my account and has not updated me about my remaining XXXX and some dollars in my account that I have received through my jobs paycheck as a legal employee and have paid taxes on every dollar. I need my money to pay my rent as I quit my job shortly after however my money has not been sent to me and I have not been given an update. I went in person to multiple locations only to be told my account closure is pending and they can do nothing about it. I need my money ASAP or I will end up being evicted. Please help me.
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (VA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in my Experian file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$320.00} on XXXX. 

I challenge the accuracy, compliance and reportability of this listing. 

There has been no validation of any information that I owe any type of debt to XXXX XXXX XXXX. They have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that I have also mailed them and that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. If the company Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX PUT A CHARGE ON MY CAPITAL ONE CARD. {$1000.00} I SEND THEM A FAX AND LETTER TELLING THEM NOT TO DO SO IN ADVANCE NO TO DO SO. 

IT IS NOT A AUTHORIZED CHARGE. CAPONE NOT COOPERATIVE RUDE LONG WAIT TIMES I WANT THIS CHARGE REVERSED ASAP FOR {$1000.00}.
Consumer complaint received 2022-07-21
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom these concerns, my name is XXXX XXXX, and this personal statement is being composed by me. The accounts mentioned in this
report should not be reflected on my consumer report as they violate the Federal Credit Reporting Act (FCRA). According to 15 U.S. Code 1681-BPermissible purposes of consumer reports (a) in General subject to Subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other: (2) By the written instruction of the consumer to whom it relates. I never gave consumer reporting agencies my written/verbal consent or instructions to report anything on my consumer report which violates my rights as a federally protected consumer. No Consent Is Identity Theft. As a federally protected consumer, I am Demanding the deletion of these listed accounts. 

Additional
unauthorized hard inquiries: 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-20
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. (IL)

Several student loans are showing delinquent due to bankruptcy. Bankruptcy was not filed also, you can not file student loans under bankruptcy. I was in school the dates in XX/XX/2016 and ongoing and no payments were due to XXXX XXXX at that time. I have already filed dispute with XXXX XXXX about error on their end and they are working on correcting the issue.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (NY)

My credit was pulled from companies I did not authorize. 

XXXX Date : XX/XX/XXXX Barclays Bank DE Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2018-04-25
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. (TX)

There is an inquire still showing on my report that should have been deleted already by law. Name of company is XXXX XXXX XXXX   the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. If you need to get in hold of me feel free to contact me at XXXX XXXX XXXX. Thank you in advance for your prompt help. XXXX XXXX XXXX
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc. (NJ)

I called the company in XXXX when I received my first statement. I should not have been charged the annual fee because I signed up for autopay on the day I opened the account. They told me in a couple of days, I would receive the refund. I never received the refund. I called back again and was told two billing cycles, and I would receive a refund of {$39.00}. I also received an email back in XXXX saying XXXX billing cycles from the company. I am going on my fourth billing cycle, and I have yet to receive the refund from the company. Every time I call to ask questions about the refund, I am told someone will follow up with me. First, it was XXXX business days, then I was told XXXX XXXX  and I have yet to have this issue resolved with the compny.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

Social security administration sent my money to chime and they said that my ssi benefits were not proses in my account but then I called social security and they told me that the bank proses my ssi benefits I would really appreciate someone to look into this matter thanks much appreciate