davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ND)

I spoke with XXXX XXXX from XXXX and informed her that I had received a letter from her that XXXX was to be removed from my credit report and yet was still on there, XXXX informed me that she notified all 3 bureaus on XX/XX/XXXX and again on XX/XX/XXXX electronically that they were to delete the trade line and that she was going to send all three bureaus another electronic message to delete the trade line but its still on all three credit reports. I have the letter from XXXX stating it should be deleted.
Consumer complaint received 2019-06-15
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. (NC)

going to XXXX can not access my transunion credit report Have tried several days now and when you go to there site you have to pay for it to access
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I have been contacting the 3 major credit bureau to have a bankruptcy remove my credit report. On XX/XX/2019 Experian removed this item from my credit report, than on XX/XX/2019 this agency put it right back on the report.
Consumer complaint received 2023-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Portfolio Recovery bought a debt that I owed to another company. I don't owe them any money. I've never had an account with them. I've never done business with them. I've never talked to them, and yet they keep putting a collection on my credit report. They bought a debt, I didn't borrow anything from them
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX put late payments on my account. In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have disputed XXXX XXXX XXXX XXXX as reporting inaccuracies on my credit profile. I sent Experian 2 disputes in reference to the errors and still are telling me that the account has been verifed. It is showing a {$2000.00} credit limit the high balance is showing {$2600.00} The Recent balance is {$24000.00} as of XX/XX/2019 this information is totally incorrect I need this account to be completely Deleted from me profile/credit immediately
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (CA)

When we moved to a new town, we closed our residential phone account with XXXX XXXX XXXX and requested that a final bill be sent to our new mailing address. We received that bill and paid it ( see attached photo ) ; however XXXX XXXX XXXX also allegedly ( according to XXXX XXXX XXXX collections rep ) sent a separate bill to our old address which we never received. Despite the fact we are current XXXX XXXX XXXX customers with a current mailing address on file, XXXX XXXX XXXX errantly sent these past due notices to the old service address NOT our current mailing address. When contacted XXXX XXXX XXXX was unable to validate or itemize the nature of the past due amount. Due to XXXX & XXXX poor accounting and billing practices, my credit history was damaged and I was unable to qualify for a loan.
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ND)

I spoke with XXXX XXXX from XXXX and informed her that I had received a letter from her that XXXX was to be removed from my credit report and yet was still on there, XXXX informed me that she notified all 3 bureaus on XX/XX/XXXX and again on XX/XX/XXXX electronically that they were to delete the trade line and that she was going to send all three bureaus another electronic message to delete the trade line but its still on all three credit reports. I have the letter from XXXX stating it should be deleted.
Consumer complaint received 2023-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2023, I purchased a round-trip to XXXX XXXX leaving XX/XX/XXXX and returning the same day XX/XX/2023 through XXXX XXXX. 
The return flight was canceled. The confirmation number # XXXX. XXXX agreed to refund me for the ticket plus the seating upgrade. The ticket purchase amount was {$190.00} and the seating upgrade was {$68.00} totaling {$260.00}. I spoke to XXXX on several occasions and they stated that the refund had been processed through their end and they were not sure why PayPal had not refunded the money. They provided me an email with a cancellation notification which I provided to PayPal several times as file a resolution case with them. 
I spoke with a customer service rep at XXXX XXXX on XX/XX/23. Her name was XXXX and she was located in XXXX XXXX. She indicated that there had been some issue on their end with the refund and the refund was going to be processed through PayPal that day. She provided me with a transaction # XXXX. She indicated that the PayPal refund of {$260.00} would be returned on XX/XX/23 in addition to the {$250.00} for the original price of the ticket because of all of this inconvenience to me. She indicated that this was an approval by a supervisor with the name of XXXX located in New York. The total amount should now be XXXX based on my conversation on XX/XX/23 which I have yet to receive. I provided PayPal with all of this information and they denied case with no documented response from XXXX XXXX. Saying that I received the service. I provided them with the XXXX  email and the information above. Poor investigation completed by PayPal. Shame on them for not protecting their consumers and allowing this happen.
Consumer complaint received 2019-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (NC)

On XX/XX/2019 I noticed a debt collection from Bull City Financial Solution on all three credit reports. I did not receive anything in the mail regarding this alleged debt that Bull City Financial Solution claim that I owe. I am letting Bull City Financial Solution know there claim has been disputed and I have no contractual agreement with them. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPPA does allow the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPPA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, through the Consumer Financial Protection Bureau, as a formal debt validation request, which I am allowed under FDCPA because you will deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by through certified mail return receipt. Sincerely, XXXX XXXX
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

15 usc 1681 section 602 : I have the right to privacy. 

15 usc 1681 section 604a section : Consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666 ( b ) : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-10
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)

I reviewed my Consumer Reports and noticed that I had 60 day late payments on an account with XXXX XXXX XXXX on my TransUnion report and a 30 days late payment on an account with XXXX XXXX XXXX  on my XXXX report but I was never late. Consumer Reporting Agencies has assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If Proof cant be provided, I demand this account be removed from my consumer report as I was NEVER Late. Thanks
Consumer complaint received 2019-06-15
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: Experian Information Solutions Inc. (PA)

sent a police report to Experian in XX/XX/2018 XX/XX/2018 XX/XX/2018 stating my identity was stolen 3 inquires on my report. That I never made I asked for proof of my identity no one can provide. I've recently cent removal of inquires letters in the Mail. Please remove XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$720.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} 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 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (AZ)

Received a letter from American Express on XX/XX/2020 saying that my application for the XXXX XXXX XXXX card from American Express was denied because I have a freeze on my credit file. The letter then asked for me to provide the PIN and access code for the reporting agency. 

I never applied for the card and when reviewing the company call back number XXXX XXXX XXXX several reviewers questioned the legitimacy of the number. I believe this to be an act of fraud, not sure if by an individual or American Express itself.
Consumer complaint received 2019-06-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (NJ)

Starting on XX/XX/XXXX I took a payday loan from this company in the amount of {$750.00}. Starting on XX/XX/XXXX they were deducting payments from my bank account through ( PAD/ACH ) on every other Friday, bi-weekly until XX/XX/XXXX where I had paid in full the amount of {$1500.00} including interest. On XX/XX/XXXX I took another loan for the amount of {$780.00} and starting on XX/XX/XXXX they started taking payments through my bank account ( PAD/ACH ). As of this point I have already paid {$3800.00} and still owed {$740.00} on XX/XX/XXXX. I XXXX  added another {$260.00} to make it look like {$1000.00} on XX/XX/XXXX. On XX/XX/XXXX i made a payment of XXXX and every other Friday after that I made payments of {$270.00} until XX/XX/XXXX in the amount of {$2200.00} and still owe the amount of {$900.00}. Starting on XX/XX/XXXX i put a stop payment on them when I started to see that they were taking these payments and not lowering my principle. They called and when I asked why they were not lowering my principle the agent said unless I make a special payment just for the principle they will continue to deduct {$270.00} from my account forever with no ending. Also they are calling my Job harassing me.
Consumer complaint received 2022-07-09
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2019-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2019 I attempted to place a freeze on all credit reporting agency credit reports. I had no problem doing this on-line except Transunion 's website is misleading and I find i was signed up for a {$29.00} service without any clear indication I was doing this. they indicated rather than using their web site transunion.com I should have gone to XXXX. I was able to cancel the service on the first web site and a phone call got a promise to reverse the charge. I then had to go to the second web site to place a freeze on my credit reporting. I had to set up a separate user ID, password but was taken to what looked like was the EXACT same website. in all I was able to accomplish what I wanted, but as I said, they are unscrupulous in their design and establishing a service I never intended to sign up for. I believe they should at least notify me of the fact that I was signing up for a billable service and what the charges would be. Then if I click ok, it's my decision.
Consumer complaint received 2022-09-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-01-18
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Student Debt Center LLC (AK)

I feel scammed by Student Debt Service. XXXX. The woman asked me several questions regarding my student loan. I realized later she was asking these questions to access my Federal Student loan account.. In accessing my account, she changed my password. She also asked ( and I gave her ) my social security number. I have googled the site, Student Debt Center and the number is XXXX. She was going to charge me {$600.00} for her services.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

My mortgage obtained in XXXX was with American Home Mortgage which filed bankruptcy in XXXX. In XXXX there was an assignment recorded to American Home Mortgage XXXX XXXX XXXX. According to the PSA this had to be transferred with XXXX days of the trust closing ... .It was not. Ocwen is now the servicer. I sent them a Qualified Written Request to find out who owns the loan & have been told that owner is XXXX, as Indenture Trustee for the trust. I contacted XXXX & they did n't have any information on my loan. I also contacted American Home Mortgage XXXX XXXX, trustee & they did n't have anything. Ocwen is now foreclosing & they have not provided me with the information requested. I told them to contact XXXX but they have not. I believe this is a wrongful foreclosure. I qualified XXXX with HOPE Now for a modification only to be turned down by Ocwen. I presented a short sale only to be turned down by Ocwen. This leads me to believe that they know XXXX does not have the loan & they can foreclose & make money. How can a company that is no longer in existence transfer anything? Particularly after the PSA states that it had to be within 90 days of the closing of the trust? I am supposed to have a single point of contact person at Ocwen & was provided a name but he usually is not available. I make appointments for him to call me back & either he does n't call or someone else calls. I have requested to talk with someone in the U.S. but my calls go to XXXX & they wo n't transfer me to the U.S ... .said they could n't. I call different phone numbers hoping to speak with someone in U.S. but it always goes to XXXX. I have a fraudulent assignment & other forged documents. I have given these to Ocwen but they refuse to research to find out just where my loan is. I would like to go to Ocwen & have them show me all of the documents they have if possible. I will file a lawsuit against them. They are terrible to deal with.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

I have experienced recent fraudulent activity on all my accounts. During this time the city of XXXX, Ohio and surrounding cities experience a 15 tornado phenomenon that has left these places in devastation. As a result the credit union took emergency action to secure all of my accounts. One of the actions consists of a freeze. I was contacted by representative and I advised her what transpired. She continued to press for a date and time. I advised to thwart any additional fraudulent attempts this action would take some time. I advised I contacted all three major credit bureaus and my previous debit card/cards affected would be cancelled. I requested the late fees be removed. I was advised this could not take place, with no guarantees of course, until a payment has been made. Since then I have received numerous calls a day from multiple numbers. As a long standing consumer of over 10 years I find their actions uncalled for and appalling.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

XXXX XXXX XXXX issued a loan to a non existent person, the perpetrator responsible for the fraud was convicted and the loan was included in the restitution. The bank is refusing to remove the fraudulent trust deed and has initiated and forcing a foreclosure on a verified fraudulent trust deed.