davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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. (CA)

In accordance with the Fair Credit Reporting Act This Account XXXX XXXX Bank as 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. 
have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (SC)

ordered a freezer XXXX on line from Home Depot, Del. was to be on XXXX XXXX XXXX, I had to call and get a status, apparently they had an incorrect address, right st, wrong state, but, so the del. told me that they would cancel and my acct would be credited, I have made several calls, E-Mails and so far nothing has been done, the best advise they give it it takes 4 to 6 weeks to work out a dispute. The amt. is {$450.00}
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2019-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MO)

I called Enhanced Recovery trying to pay off a debt. I received a email with a settlement amount. I purchased a money order for the amount I was told to make it for. I was told by the Agent to send it immediately so it could be there by XX/XX/XXXX. I did as I was instructed. The following week I called and was told by XXXX XXXX that my Money Order was denied for " Insufficient Funds ''. He said it was mailed back to me but he didnt know when. I've never recieved the Money Order back. I contacted XXXX XXXX and they said it was cashed on XX/XX/XXXX. My money order is cashed and the debt is still on my credit report. I made a copy of the Money order before I sent it. I also read the reviews about this company, and it seems they have done this to ALOT of people.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Earlier this year the our ( my wife and I ) Transunion XXXX accounts were shut down and we were switched to Service.transunion.com, which appears as an makeshift access to Transunion. When calling in we were told that Transunion had switched all non paying clients to the Service.transunion.com site, and since has had problems with proper credir reporting to include the site not showing what can be accessed elswhere. Today I did a XXXX search for Service.transunion.com and nothing showed up. Also went to the main Transunion website and the XXXX  website and there was no mention of Service.transunion.com. And everytime we had asked about XXXX  which was and still is the FREE Transunion access, we were told that we had to stay with Service.transunion.com, an access that's not even listed on any of their websites, nor is there anything in the search engines. this makes me think my wife and I are on a special access to Transunion and have been blocked from accessing Transunion the same way we did in the past.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA (MN)

I made a purchase of almost {$2000.00} in XX/XX/2020 with my Apple credit card! As i was expecting for a minimum due amount to be posted to my account for me to pay the balance in installments it didnt happen, instead they posted the whole XXXX as the minimum due amount and i have to pay it in less than a month, I called them to request for a less minimum amount so that i will be able to pay it gradually! They refused. I asked for the account to be closed immediately to stop it from future transactions. Then i took advantage of the coronavirus payment relief to push back my due date and i paid the full balance on XXXX of XX/XX/2020! My due date was XX/XX/XXXX. They charged me for {$15.00} claiming that i made a late payment though their statement shows that it wasnt late! I called them to ask what that {$15.00} is about, they waived it when they figured out that I paid the balance before the due date, meanwhile they reported to the credit bureau on XX/XX/XXXX as closed account with balance of {$15.00}! I called Apple to dispute the report and they said we will update it next month ( XXXX ) nothing was updated! I called again, they said its getting updated, nothing happened in XXXX, then I called in XXXX and they insisted that I must pay that {$15.00}! I showed them that there was no late payment and they even waived it because it was unnecessary charges since I paid before the due date! They insisted that it was an interest charges because of the late payment and the computer generates that information! Anyway the lady pushed me so hard to convince me that i made a late payment though she clearly saw on the statement it wasnt late and it was waived! So my concern is for that balance to be updated and reported to my credit bureau as paid and closed account with XXXX  balance but that hasnt been happening and its been almost 4 months! I wouldve kept quiet if the account wouldve been open but I closed it because of that bad experience and theres no way for closed accounts to be updated monthly! So they will just forget about my account since its closed and the balance will stay on it forever! This is what my complaint is all about. Thank you very much and will be waiting for your response, Im also ready to provide with any information that you request.
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

I and my spouse rented apartment at XXXX  at XXXX XXXX, XX/XX/2022 the office manager call us and told us that they wanted the apartment back, We spoke with the office manager to give us some weeks so we could find a place to stay,, we told her to give us a written document but she refused and told us she was going to speak with her boss,, after a week we contacted the office manager again and she told us that she havent heard anything from her boss,, so due to her statement telling us to move that they wanted the apartment,, I and my spouse quickly got a new apartment at the end of XXXX and we went to inform the office manager that we got another apartment just as she ask us to move,, And the manager told us that we are going to pay for lease violation, that was shocking,, Because the manager ask us to move that they want the apartment,, so we told the office manager that wasnt what you told us,, the office manager ask ask us to move and we pleaded with her to talk to her boss to give us little time to get a new place,, And our lease was suppose to end in XX/XX/2022,, due to the pressure from the office manager we quickly got a new place so that office will not make me, my wife and kids XXXX. So when the office manager told us we going to pay for the lease violation, I requested to speak with her boss and she gave me the number of her boss at the head office,, the phone Number was XXXX and the name of the lady I spoke with was XXXX XXXX, I spoke with her a week before we moved out, and she told us as far the office manager ask us to move, that we should pay {$1000.00} for the damage in the apartment instead of the lease violation!! So that was what we agreed!! If they can provide the voice recorder for that conversation,, that will be helpful.. The damage in the apartment was as a result of the maintenance efforts try to fix water leakage during the snow that happened in XXXX,, it took the apartment several months to fix the walls they cut open,, and as a result of that holes on the walls, Rat and and Roaches got into our apartment,, and all our efforts to get rid of those Rat and Roaches proved abortive. At the end of our conversation with XXXX XXXX XXXX from the head office we agreed to pay the {$1000.00} for the interest of peace. Right now they have reported the debt to be {$6300.00} on my credit report. That {$6300.00} is a wrong amount we were ask to pay by the XXXX head office.
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolios SPS and XXXX has there atty send a letter saying there is litigation s There is no litigation s I have filed prior with CFPB. But no help! 
I have no Atty., SPS SAID IN XX/XX/XXXX that I need to send new modification application because XXXX did not send my application with approval. 
I submitted to SPS 5 loan mod application and the keep denying the 1 st one took about 1 year then SPS SAID mod program only goes up to $ XXXX, my debt was discharged in bankruptcy in XX/XX/XXXX so there is no debt, but XXXX and SPS KEEP trying to collect the {>= $1,000,000}. Loan bal. when I apply for mod. 
SPS Ombudsman dept. Told me I was denied do to no pay check stubs were provided, I told them I makes box self employed and attached P and L and 2 year taxes.
The SPS agent told me get a year to date p and l I did same day and payed my PA {$500.00} to fast track it, Sps said you 'll have to wait to week prior to sell. 
XXXX and SPS ARE LIARS, AND THEY NO CFPB RULES TO AVoid compliance, it 's My understanding they were caught transferring service right s to avoid compliance with National Morg. Settlement and yet they took a credit prior to transferring my loan. 
XXXX even sent me a letter the loan was paid in full Accounting errors and after XXXX XXXX phone calls
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

Today XX/XX/22 I was putting in a deposit for this rental I thought was legit. They had names matching up with the owners. The real owners I finally contacted and they told me it was a scam. I had found this listing online so I could have a place to stay while I work the XXXX XXXX  but I got scammed {$1000.00} I sent it through my bank through Zelle. My bank said they cant do anything neither did Zelle. They had me fill out rental application with all my info so they have my social and drivers license number too. 
The place was on XXXX as a cabin.
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

In XXXX I relieved notice I was being sued by LVNV Funding. I responded to the suit and send a debt animation request certified mail. I requested verification and proof of the debt. The case was withdrawn ( I'm assuming because they could not provide valid proof I owed the debt ). They also never provided me with any proof I owed the debt. Just an amount and a name of a credit card company. No contract. No signed documents. No account ledger. They have failed to provide proof of this debt and refuse to remove from credit report.
Consumer complaint received 2018-04-26
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: DISCOVER BANK (HI)

XXXX report says : XXXX on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it. 

XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them.

XXXX  report says : Discover bank XX/XX/XXXX  gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX  XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXXXX/XX/XXXXthey gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022 I contacted XXXX XXXX XXXX to book a stay for my XXXX  XXXX XXXX  for the dates XXXX. They required a {$500.00} deposit payable through XXXX in which I paid. On XX/XX/2022 which was 1 week before my XXXX they text me and told me that the pipes burst and they needed to close the recovery home for a couple days and that I should start looking for another place to stay. They did not mention anything about my deposit being returned so I immediately started contacting them to see about my deposit. No one answered any of the 3 phone numbers listed on the website and XXXX  page. I sent text messages, emails and tried calling them and got no response. They even blocked me on their social media page because I was asking questions about my deposit being returned. Any messages I posted on their page they would delete. It turns out the the facility got shut down by the state because they were operating without a license. I have proof that thats the real reason XXXX  got shut down. Being that i made the payment through my back to XXXX i have contacted Chase back a couple times trying to get help from them telling them that the recovery house scammed me and and just do t want to help me. They didnt even file a claim for me because it has to do with XXXX XXXX I have been a chase customer for over 10 years and this is unfair to me. XXXX didnt help me either saying they dont have access to my banking information. No one wants to help me.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Hello XXXX XXXX # XXXX I have received your request for the return of the property leased through XXXX XXXX. Thank you for getting those pictures sent in. 

The following options are available to you : Unfortunately, we do not have a pickup team in your area. 



Settlement : We can offer you a settlement of ( $ XXXX+tax ) Payment of this settlement will allow you to keep the property and ownership will be transferred to you after the amount is paid in full. A payment plan can be set up for the settlement amount if you choose to settle. If this is your choice then please call us to work out a payment plan that will suit both you and XXXX. 

We will await your response within the next 48 hours. Please get back with us either by replying to this email or calling us at XXXX Monday-Friday XXXX XXXX XXXX MT Thank You, XXXX | XXXX XXXX  : XXXX l F : XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX | XXXX -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/2021 XXXX AM To : XXXX Subject : The gold has splashes of silver which may be aluminum the dealer told me it was XXXX k he agreed to make it correctly and do it over it doesnt fit and its not white gold like Ive asked it has blue vvs1 diamonds he agreed to redo it Friday white gold with blue diamonds the mold was hurting cus it wasnt fit correctly so it fit the moldinind wasnt done properly so it hurt if I try to wear it I can not fit it my first time I forced it on with a towel n pushed hard with all my might and I couldnt get the grill off my teeth fit 3 days and had to get meds for my teeth nerves were hurting my gums Sent from my XXXX ref : XXXX : ref
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Referencing the current complaint : XXXX Investigate WHO HAS BEEN AND WHO IS PROVIDING THE MONTHLY PAYMENTSFOR THE ACCOUNT AS IT IS NOT ME NOR HAS IT EVER BEEN ME. INVESTIGATE THE SIGNATURES AS IT IS NOT MY SIGNATURE. 
THE ACCOUNT IS NOT A JOINT ACCOUNT AS I DID NOT AUTHORIZE MY NAME TO BE ON ANY JOINT ACCOUNTS. I did not authorize any of the accounts in reference. 
I HAVE NOT EVER MADE A PAYMENT OF THOSE ACCOUNTS. 
THE ACCOUNT IS NOT A JOINT ACCOUNT AS I DID NOT AUTHORIZE MY NAME TO BE ON ANY JOINT ACCOUNTS. 

Remove my name from the account. the account is for XXXX XXXX. It is not nor has ever been my account. 

Per the attached, TransUnion is attempting to circumvent this matter. I will continue to dispute this matter until the two accounts listed are permanently removed from my credit report. THE ACCOUNT IS NOT A JOINT ACCOUNT AS I DID NOT AUTHORIZE MY NAME TO BE ON ANY JOINT ACCOUNTS. I did not authorize any of the accounts in reference. I HAVE NOT EVER MADE A PAYMENT OF THOSE ACCOUNTS. XXXX and XXXX removed the accounts. I expect the same from TransUnion. THE ACCOUNT IS NOT A JOINT ACCOUNT AS I DID NOT AUTHORIZE MY NAME TO BE ON ANY JOINT ACCOUNTS. I have been divorced for over a decade. I have attached copies of the divorce decree. Just as the other 2 major credit bureaus did their due diligence I expect the same from TransUnion. XXXX and XXXX removed the accounts. I expect TransUnion to remove both accounts from my credit report and any affiliation with the accounts. Investigate WHO HAS BEEN AND WHO IS PROVIDING THE MONTHLY PAYMENTSFOR THE ACCOUNT AS IT IS NOT ME NOR HAS IT EVER BEEN ME. INVESTIGATE THE SIGNATURES AS IT IS NOT MY SIGNATURE. I will continue to escalate this matter until the accounts are removed permanently.
Consumer complaint received 2022-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX. In XXXX, the XXXX rolled out their Public Service Loan Forgiveness program, which by all standards, was an epic fail. In XX/XX/XXXX, our incredible XXXX XXXX and amazing COO of XXXX XXXX recognized the need for a limited waiver. With that waiver, we are able to consolidate into a direct loan, use prior periods of repayment and receive forgiveness on the loan balance after 10 years/120 payments. I had been paying on my FFEL loans for over 15 years and was one of the folks in the XXXX settlement as well for being misled and lied to. I have done all asked of me by XXXX and Fed Loan Servicing to take advantage of this waiver, yet there are no updates, no communication and now servicers are being transferred when I am at the finish line, yet they claim no disruptions which is totally untrue. They have my approved employment, proof of over XXXX payments from XXXX XXXX XXXX XXXX XXXX my loans are now direct loans and now still 30 days later, I have heard nothing. When I call, I get " just keep waiting '' yet on the XXXX site they claim " XXXX will review a borrowers account when it contains two pieces of information : at least one Direct Loan and at least one approved Employment Certification. When both conditions are met, XXXX will review the borrowers account. XXXX will identify all new payments to be added and instruct FedLoan Servicing to update the account. If any conditions of the account change, XXXX will re-review the account. Borrowers at or over XXXX payments will get priority reviews regardless of when their PSLF forms were approved. '' I am humbly asking XXXX XXXX to help get involved on my behalf. I do not want to ping pong between servicers and be kept continually waiting for forgiveness that I have rightfully earned. PLEASE HELP, I am begging you and really exhausted with this constant run around and finger pointing without any help.
Consumer complaint received 2021-10-21
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. (AL)

I applied to get approved for a car recently. I was immediately denied due to not having a credit file with Equifax. I called them several times and no one had information on how to correct the issue. I have credit scores and a file at XXXX XXXX but not a Equifax which is weird.
Consumer complaint received 2021-04-13
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 ()

PayPal closed my account for no reason. I never disobeyed any agreement or policy. I believe that this was because of me receiving {$1000.00} on my account, but I don't see anything wrong with the transfer especially because I personally know the sender. They asked me to submit a photo ID and explain those transactions, and as well a bank statement which was supposed to be confidential. I submitted all of these to comply in hopes of getting my account being restored but the next working day, I saw that my account has been permanently restricted and I can only withdraw my funds after 180 days. I have sent them an e-mail but to no avail, they have not replied. This is affecting me so much because I use PayPal frequently and this has been the third time that they requested for my documents. This is my only way to accept funds outside my country. My e-mail linked to my paypal is " XXXX ''. Attached herewith is the photo ID that I used to prove my identity.