davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
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 (CA)

My name XXXX XXXX complain paypal balance because they close my account and hold my money I not seller I just use paypal like banking deposit my payroll check last time using my paypal cash card was on XXXX and next day with no warning I get email close account for violaction of terms but I call to request info, but no one tell me anything just sorry your money is hold for 180 days I was save {$1000.00} for specific things to pay and on balance {$31.00} total savings and balance {$1000.00} dollars on hold and not explanation the all please can you help me this is the company name Paypal.com XXXX XXXX California
Consumer complaint received 2019-09-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (FL)

I purchase a puppy at XXXX and its was super cute and all but the finance company made a deal with me to pay XXXX $ but American first finance!! is charging me more more everyday if I try to pay it off early and when I call them they give me a different story and reason every time its supper sketchy and annoying and it just gives me stress.i wish I was able to research the company before I went through with this, American first finance if you read this YOU GUYS ARE SCAMMERS AND LIERS dont trust them guys!!!!!!
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I would an investigation done of the following collection account, I do not owe this and would like for it to be removed from my credit report. 

Portfolio Recovery A Opened XX/XX/2014 + {$1200.00} Original creditor : XXXX XXXX
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

About a month ago, I stated receiving letters from Shellpoint ( a division of Newrez ). The letters stated I needed to provide them proof of my flood and hazard insurance through the condo Homeowners Association. They stated if I fail to provide proof of these insurances, they would be forced to buy coverage on my behalf. I have tried for two consecutive weeks to get Shellpoint this information. I have called two different representatives and had them talk me through the process. Before hanging up, both representatives stated everything looks good and that all requirements have been satisfied. Yet, I keep receiving letters saying I need proof of insurance. The last person I spoke with was on XX/XX/XXXX. That individual has an email address of XXXX This lady assured me I had sent her all necessary documentation and that I would not be billed for additional insurance provided by Shellpoint. However, the letters keep coming as if these conversations never occurred. I should not be double billed for homeowners insurance because of Shellpoints ' incompetence. Please help me resolve this issue with Shellpoint so that I am not double billed.
Consumer complaint received 2019-09-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This account is showing as if it is open showing on my credit report every month that I failed to pay. It has been closed. Not showing the correct balance and information is incorrect. Spoke with people at capital one and they claimed they will fix the problem. This account needs to be removed from my credit report because of all the incorrect information and loan term. Loan term was not 90 months. Very incorrect information. 

Account # XXXX Original Creditor CAPITAL ONE AUTO FINANce - - Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance Balance XXXX XX/XX/XXXX Original Balance {$22000.00} Monthly Payment Past Due Amount Terms 90 Months Responsibility Individual
Consumer complaint received 2023-03-28
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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: AMERICAN HONDA FINANCE CORP (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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: AMERICAN EXPRESS COMPANY (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : AMEX XXXX
Consumer complaint received 2022-04-06
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. (CA)

After receiving my credit report, I noticed inaccurate information being reported on my credit file. ( XXXX XXXX XXXX  ), ( XXXX XXXX ) On XX/XX/XXXX I submitted disputes to XXXX, Experian, and XXXX about the inaccuracies being reported and to have a thorough investigation done. They claim to have verified the accounts. How is this possible when there are missing account numbers, missing dates, reporting last payment of XXXX, XXXX XXXX but shows charge off at same time., past due amounts are missing. According to the FCRA, i have the right to a 100 % fair and accurate credit report. The information being reported across all three bureaus is inaccurate and therefore must be deleted immediately! If these accounts are not immediately removed from my credit report, I will be seeking litigation against XXXX, Experian, and XXXX for violation of my rights under the FCRA. As I am inserting a copy of credit report with the inaccuracies circled, I feel as though a time frame of no more than 14 days is required to resolve these issues.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DE)

starting XX/XX/XXXX this year I have been unable to access my Equifax information. 

This is the third complaint I filed with you See XXXX You have closed with " the company responded '' but all they have done is send a form letter - they have made no effort to resolve the problem. 

I have submitted my name address driver license and a W2 but all I get from them is another form letter to submit the same information. 

This is awful. 
Please get the company to resolve this and allow me to have a user id that can access my information.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (FL)

This seems to be a recurring issue with your XXXX  credit card. The same issue happened around XXXX where I was not awarded the appropriate number of stamps. It happened again in XXXX, last month. The last time you all told me that it is a XXXX issue. I am trying to get answers one more time before I close this account and just go to a competitor. I would think that you would want to make sure your programs are companies you deal with to be ethical, and to make sure your customers get what is advertised. As you can see on the attached statements, I earned XXXX stamps, but I was only awarded XXXX on my XXXX account. I try to call XXXX, but their reps are outsourced and can not fully comprehend XXXX. They keep asking for an itinerary number, but I keep telling them the issue does not pertain to an itinerary number, but a missing stamp that I earned thru purchases with my XXXX credit card. Again, if the only thing you can tell me is that I need to contact XXXX, I will have no choice but to close the acct, as I can not keep spending all this time to ensure your program credits as advertised.
Consumer complaint received 2022-07-27
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. (MO)

When I reviewed a copy of my updated credit report, I discovered that some of the accounts are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-04-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish
Consumer complaint received 2019-09-08
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. (NC)

I reported fraud and identity theft to all three major credit reporting agencies early 2007 and to all my banks I closed all accounts in my names as per documentation in 2007 at the XXXX. Also I called and spoke to XXXX XXXX they were to close all accounts in my namesake to fraud. I recently received XXXX bank info that XXXX XXXX did not do what they promised. On a fraud adding my name of XXXX XXXX XXXX XXXX XXXX account # XXXX there is a XXXX XXXX deduction for {$2900.00} dollars and others I want XXXX XXXX XXXX to produce all documents in all accounts in all my names with their company and XXXX and all Loans in all their affiliates business entities as foremost bank as per my previous complaint that was not addressed by foremost bank loans due to fraud. XXXX XXXX was supposed to have closed all my accounts. 
Make these documents available at your earliest convenience to me at XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX fax plus
Consumer complaint received 2019-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

XXXX XXXX has reached out to the Collection Company of Diversified Consultants to collect a debt of {$140.00} that has already been paid to XXXX XXXX months ago after I closed out my account at a previous location. I can not understand why this company is stating that I owe this balance when I currently have service with them after I moved from the location that they are stating I left a debt of {$140.00}. It is highly unlikely that they would give me service at a new location if a previous bill has not been paid. You have damage my credit with this incorrect reporting on my bureaus ( XXXX, XXXX, XXXX ). I graciously ask you to delete this incorrect reporting from my all  bureaus. I make great efforts to keep my credit in order and to have something such as this reported on my bureau is unfair especially since you have extended me additional service. Please delete the amount of {$140.00} for all 3 credit bureau agencies immediately.
Consumer complaint received 2019-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (GA)

Hello, XXXX XXXX XXXX placed a collection on my credit report. When I contacted them on 3 different occasions requesting debt validation, they advised me that they were in fact a lawyer. The person who answered the phone took my name and email address stating she would have her manager contact me back about this debt. Not one time did they return my call or send information like I was advised. So I filed a complaint with all three credit Bureaus, providing them all of the evidence that I do not owe the debt. Then I filed a complaint with the BBB against XXXX XXXX XXXX since I could not get a reply. XXXX XXXX XXXX replied to the complaint stating this account is no longer with our company, please contact the XXXX XXXX XXXX  XXXX XXXX. I responded to their response saying I did not accept their response because I wanted to know why my account had been placed with someone else. They responded again stating basically the same thing, for me to contact XXXX XXXX XXXX XXXX XXXX. So they refuse to validate the debt, then also refuse to even give an explanation as to why it was sent to another attorney. They claimed to be a lawyer so why are they sending it to another attorney? During this time, XXXX sent me a letter stating that the account I was disputing was no longer on my account. So I had in fact won the dispute. My next step was contacting XXXX XXXX XXXX XXXX XXXX. I emailed them all of the proof on XX/XX/XXXX, showing them I do not owe this debt, then on the XXXX of XXXX National Credit Systems placed this back on my Credit again. Im still waiting to hear back from XXXX XXXX XXXX  XXXX XXXX, but they have not moved forward since I sent them the proof. There are many complaints of both of these companies online, and XXXX XXXX XXXX has actually been sued successfully for unethical practices. If this company no longer has my account then why are they continuing to place false information on my credit. Companies like this need to be stopped. I have Retained legal counsel and in the process of filing a lawsuit.
Consumer complaint received 2018-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

Account Details Last Reported XX/XX/2018 Collection Agency PHNX FINAN Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/2018 Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1600.00} Remarks Placed for collection Creditor Contact Details PHOENIX FINANCIAL SERVIC XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX I thought my insurance paid. I never heard anything until I received an alert from XXXX XXXX.
Consumer complaint received 2019-09-08
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (CA)

Fed Loan Servicing has been deceptive and unfair in managing my account. I have made diligent payments to my loans on the Income Based Repayment Plan for over 5 years -- I have never once missed a payment. I recently received notice that my income has surpassed the amount to qualify for reduced payments under the plan. I called in to ask questions about my options on XX/XX/XXXX and spoke with an agent named XXXX. She told me that I qualified for another program that would reduce my monthly payment and on the phone, led me through the screens to have my payments reduced. She did not explain to me what the consequences would be in terms of having my interest capitalized and also the differences between the IBR plan that I was currently on and the plan that I would be changed to. Instead of explaining the consequences, ( Namely, interest capitalization, my payments being determined by a larger portion of my " discretionary income '', the changes between the plans in terms of marriage and family size, and the change in the maximum standard payment under the different plans ), she had me click through screens without my knowledge of what was being done and in this process, committed an act of omission. I called in when I saw the interest capitalization and had then started doing more research. What I found was that the plan I had been on was a much more beneficial plan and even though I am currently over the income floor, I still would have a maximum payment that is much lower and I could in the future requalify if my family size or income changes. I spoke with multiple agents, supervisors and managers, ( I have names and numbers ), on XX/XX/XXXX and XXXX and requested that the action taken on my account on XX/XX/XXXX be reversed. This action was refused. I was not allowed an audio recording of the original phone call and the agents apologized but would not reinstate my previous plan, leaving me on a plan that is not in my best interest.
Consumer complaint received 2022-02-16
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. (KY)

This is new and relevant information about my ongoing dispute with XXXX XXXX. I was a victim of identity theft which resulted in fraudulent accounts being opened on my behalf. I filed a FTC report and I sent XXXX XXXX the Identity Theft packet. I have requested that the Cease and Desist communication with me which include all mediums such as reporting to my credit bureau. I am a federally protected consumer and XXXX XXXX is violating my consumer rights under the FDCPA still contacting me sending me bills, requesting payments and reporting a fraudulent account to my credit file. They are also violating the FCRA, permissible purposes. It is my right to decide what I want reported on my credit file. I never gave XXXX XXXX permission to report anything on my behalf. I demand that they stop all reporting to all CRA 's and remove the accounts.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NE)

I signed up for this checking account with a sign up bonus offer of {$600.00}. 
I have met all the requirements and the same has been confirmed by the CITI bank customer care agents. 
The last date for the {$600.00} has already passed and In spite of multiple follow ups nothing has been done. 
Please Deposit the promised bonus. 
Thanks.
Consumer complaint received 2022-02-16
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. (KY)

This is new and relevant information about my ongoing dispute with XXXX XXXX. I was a victim of identity theft which resulted in fraudulent accounts being opened on my behalf. I filed a FTC report and I sent XXXX XXXX the Identity Theft packet. I have requested that the Cease and Desist communication with me which include all mediums such as reporting to my credit bureau. I am a federally protected consumer and XXXX XXXX is violating my consumer rights under the FDCPA still contacting me sending me bills, requesting payments and reporting a fraudulent account to my credit file. They are also violating the FCRA, permissible purposes. It is my right to decide what I want reported on my credit file. I never gave XXXX XXXX permission to report anything on my behalf. I demand that they stop all reporting to all CRA 's and remove the accounts.
Consumer complaint received 2019-09-08
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: Experian Information Solutions Inc. (FL)

Mortgage initially started with homebridge and I was under FEMA forbearance. I signed modification papers have them notarized in overnight at them back. XXXX never recorded the documents and sold my mortgage to XXXX XXXX. I can't get them to understand that there are 3 credit reporting agencies. They have corrected my report on 1 and not the other 2. I reported them to the XXXX  XXXX XXXX  multiple occasions because they won't make the corrections nor will they respond to any emails. Total lack of common sense. This goes way neck to XXXX  and they still can't get it right. Them and XXXX. Totally shady companies to deal with. XXXX can't even file the proper paperwork. They never even recorded my modification