davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
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 ()

I am a XXXX / XXXX  based in XXXX and started working with Paypal as a XXXX option for the money sending/receiving from my respective clients. 3 Months ago, Paypal has blocked my account permanently by holding the balance of XXXX XXXX. I am now waiting for 90 days for the money that belongs to me and this XXXX XXXX XXXX is holding XXXX from XXXX XXXX without any authority. 

I am really not in the favor of using this XXXX XXXX XXXX, and XXXX services as a reseller in the future, All I need your support for withdrawing the money from Paypal. 

I have tried reaching them, 2 hours on the Long hold on interaction XXXX number and over the XXXX XXXX feature but none of the time I have received a positive response. It seems like this XXXX XXXX is trying to attempt illegal authorization on my Money. 

My registered Paypal XXXX : XXXX XXXX
Consumer complaint received 2020-07-29
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: The CMI Group, Inc. (FL)

I recently got a copy of my credit report and I noticed some errors on them. There are collections accounts that does not belong to me. I tried contacting the collection agencies and the credit bureau ( all three ), and has them to send me copies of any documents bearing my signature. They only verified them through e-Ocars and NOT a physical person according to the FCAR 609 ( e ) Please your assistance is needed to correct this matter.
Consumer complaint received 2018-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth Financial Services has contacted me for a debt that I don't owe at all. It's for a certain person named XXXX XXXX. This agency has even reported this to my credit report which impacted my credit score so badly.

I called and explained to them that this is a mistaken identity but they still persist. I called the original creditor but they ignore my request to have my name be cleared. I wrote them twice about this but this agency still insists that I owe this debt even if i have a different last name and have never lived on the address they have on file and never received any medical services in that area.
Consumer complaint received 2018-12-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (TN)

As of XX/XX/2018 I've made the three trial payments for my mortgage modification trial. The documents that I received reflected my escrows being incorrect for my mortgage. I recently received correspondence reflecting the correct amount for my mortgage payment of which the corrected payment is lower. Per customer service with The Money Source they wanted me to sign the previous modification agreement that had the incorrect mortgage payment. The previous documents that were mailed to me XX/XX/2018 are incorrect documents with the incorrect mortgage payments. I don't want to sign  documents pertaining to my mortgage with incorrect figures that affect my mortgage payments and the mortgage deed. I'm currently paying the trial payment amount for my mortgage payment.
Consumer complaint received 2018-05-16
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: EQUIFAX, INC. (SC)

I called Equifax onXX/XX/XXXX to dispute inquiries that I did not recognize on my credit report that they sent to me the week prior. They requested a police report and would not investigate the validity of these inquiries that are listed below : XXXX XXXX/XXXX   XXXX Did not authorize XXXX XXXX to pull my credit again on 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 XXXXk XXXX
Consumer complaint received 2018-04-24
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. (WV)

Transunion and/or XXXX  and/or XXXX have failed to address the issues on my credit report as follows : 1-XXXX XXXX and XXXX funding are both reporting collections for XXXX XXXX ; thereby there are two collections regarding the one XXXX ... acct. 

XXXX XXXXt and XXXX XXXX are one and the same company ... .when I called and told them about this ... .each rep hung up. 

XXXX XXXX and XXXX XXXX are both reporting collections for XXXX XXXX, which was charged off/tax deduction by XXXX/tax deduction NO CONTRACT ... .therefore there can be no collections ... .much less two in one companies collecting 2XXXX XXXX and XXXX XXXX each too, fall under the FRCA ... no contract/no debt,
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Back in XXXX I filed a dispute with all three credit bureaus and the company XXXX ( formerly known as XXXX Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account manager at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the lien was released and the vehicle has been paid off. When calling into TransUnion today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXXTransUnion rep ) stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....
Consumer complaint received 2022-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

This debt is not mine. While " XXXX XXXX '' is my given name, this debt does not belong to me. The collection agency has never validated this debt. The collection agency can not prove that this debt is MINE and not that it may belong to someone who happens to share my name. This debt has been previously deleted who also erroneously placed it on my credit report.
Consumer complaint received 2020-07-29
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: CCS Financial Services, Inc. (FL)

I recently got a copy of my credit report and I noticed some errors on them. There are collections accounts that does not belong to me. I tried contacting the collection agencies and the credit bureau ( all three ), and has them to send me copies of any documents bearing my signature. They only verified them through e-Ocars and NOT a physical person according to the FCAR 609 ( e ) Please your assistance is needed to correct this matter.
Consumer complaint received 2018-05-16
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: JPMORGAN CHASE & CO. (IL)

I was a victim of identity theft. A person in New York stole my identity, and was caught with 5 credit cards in my name along with a picture ID with my information on it and her picture. My credit score has gone down 200 points in a matter of 2 months which I had nothing to do with. I also need her information taken off of my credit report. I have tried to have the credit burrows take it off but they refuse. Each card that I have talked to stated they are sending the credit burrows a report stating it was fraud, but I see only a small change in my credit score. I am angered! I would like my credit score back that I earned, and not the one she trashed.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am asking to Experian open an investigation for having a wrong information in my credit report, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. Experian is putting in the credit system that I have an record public with " XXXX XXXX XXXX XXXX XXXX XXXX. The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. That account is from 2017 and I have never had a bankruptcy. Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged record public. The name of the court with which Experian verified this information. The address and phone number for the court with which Experian verified this information. The name of the Clerk who verified this information. The Documents, date, and signature in which verified this information. Have an information inaccurate or incomplete items in record public and credit history have serious consequences. Please delete the misleading or inaccurate information. Experian is committing a violation by 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
Consumer complaint received 2018-12-14
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. (MA)

I am currently disputing an unverified account with Experian that has claimed they have been able to verify as accurate information. I have asked the following credit bureau to provide me with documentation proving that this debt they claim I owe is actually mine. I have sent FOUR letters certified mail with return receipt dating back to XX/XX/2018 requesting proper verification of this account they are reporting that they stated in writing is correct and has been verified. Who verified this account? They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it. ) and under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... ..Promptly DELETE all information which can not be verified. Experian is continuing to report this unverified account despite the fact they have NOT indeed provided proper documentation. The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2018-12-14
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've been going back and forth with XXXX/XXXX/XXXX and the credit bureaus about an account that keeps being deleted and added back to my credit report since XX/XX/2007. Each time I contact one of them they state it's the other 's fault. I just filed a complaint against XXXX/XXXX/XXXX and in their response they stated that they were doing just like I said- reporting the account as if it were more than one account and that they corrected it and removed it and if it's still showing then the credit bureaus are at fault. I just want it removed. I only have one student loan. And these accounts are annoying and ruining my credit report and my life!!!! Please see attached documentation and remove the XXXX/XXXX/XXXX account and stop adding it back on after deletion. Thanks.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MA)

I opened new checking and savings accounts at Citibank on XX/XX/2020. I tried to transfer all the money from my old Citi accounts to the new ones and close the old ones. I called Citi twice and neither representatives could find my old accounts in their system. They told me to go to a branch, but that was not practical because the nearest branch was over 200 miles away in XXXX. The second representative said I could transfer the money by myself and that Citi would close XXXX  balance accounts automatically. I explicitly asked if there would be negative consequences of leaving accounts with XXXX  balance and the representative said no. So I transferred the money. 
On XX/XX/XXXX, I found an overdraft notice in my mail pile after being away in XXXX. It turned out Citi charged me a monthly service fee on XX/XX/XXXX, and then an overdraft fee on XX/XX/XXXX. I called Citi right away. The first representative told me to wait while he went to ask his supervisor. Then, I was cut off. I called again. The second representative said my accounts hadn't been closed because {$0.00} ( my savings account interest ) was transferred to my checking account on XX/XX/XXXX. Then I was cut off again while waiting for her to close my accounts. I called a third time and told the representative at the beginning that I was cut off twice already. The third representative promised not to hang up and closed my accounts. 
Though my problem was resolved in the end - fees waived and accounts closed, it took me 5 calls and more than an hour on the phone. The whole experience was very unsatisfactory, and it is easy to imagine situations where some clients didn't call or gave up during the process or couldn't get fees waived. 
I don't have complaints against individual representatives even though one give inaccurate information, because I felt they were under pressure from the management to avoid closing accounts. So, I want to urge the management at Citibank to stop doing so ASAP, especially under the current circumstances.
Consumer complaint received 2018-12-14
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've been going back and forth with XXXX/XXXX/XXXX and the credit bureaus about an account that keeps being deleted and added back to my credit report since XX/XX/2007. Each time I contact one of them they state it's the other 's fault. I just filed a complaint against XXXX/XXXX/XXXX and in their response they stated that they were doing just like I said- reporting the account as if it were more than one account and that they corrected it and removed it and if it's still showing then the credit bureaus are at fault. I just want it removed. I only have one student loan. And these accounts are annoying and ruining my credit report and my life!!!! Please see attached documentation and remove the XXXX/XXXX/XXXX account and stop adding it back on after deletion. Thanks.
Consumer complaint received 2018-04-24
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. (WV)

XXXX  and/or Experian and/or XXXX  have failed to address the issues on my credit report as follows : 1-XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX ; thereby there are two collections regarding the one XXXX  ... acct. XXXX XXXX and XXXX XXXX are one and the same company ... .when I called and told them about this ... .each rep hung up. XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX which was charged off/tax deduction by XXXX/tax deduction NO CONTRACT ... .therefore there can be no collections ... .much less two in one companies collecting 2-XXXX XXXX and XXXX XXXX each too, fall under the FRCA ... no contract/no debt,
Consumer complaint received 2022-03-05
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. (NC)

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions.
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

I contacted 3 individuals at Pannymac today. XX/XX/2018 - 2 Customer service agents and a Team Leader. 

My request was simple. To get a mortgage property tax exception in the state of Indiana you must file that a mortgage exist with the county recorder. Pennymac claims that they do not file mortgages with the county. They only pay taxes on the mortgage through 'XXXX  '. Without this filing I can not get a Mortgage exception property tax reduction in the state of Indiana.

Funny thing - the county recorder ( I talked with them 3 times ) said that if there is no mortgage filed - I can sell the house and the title company will find NO MORTGAGE on the house. Thus - I can keep every cent. 

Further - all they emphasize is that they are also a loan collector and anything you say can be used to collect monies. 


Funny thing. When you look up their executives on XXXX all of their contact are locked so you can't send messages. This should be a HUGE WARNING of what they think of customers.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Since XX/XX/2022, my personal bank and XXXX companies I pay to monitor my credit scores ( XXXX  and XXXX  ) have been unable to pull my Equifax credit report. This has largely affected my ability to ascertain personal loans as well as a mortgage. I have made several calls to Equifax with no resolution to this major issue.
Consumer complaint received 2022-03-05
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)

XXXX, XXXX AND TRANSUNION ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELLOW IS THE FRAUDULENT ACCOUNT INFORMATION : ACCOUNTS RECEIVABLE XXXXXXXX XXXXXXXX- XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-16
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: Capio Partners, LLC (GA)

Capio Partners listed 3 accounts in the amounts of {$1300.00}, {$520.00}, and {$160.00}. I have medicaid and should not have these on my credit. I would like these removed immediately!
Consumer complaint received 2018-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Accounts Service Team Inc. (TN)

For this entire month so far, Financial Accounts Service Team of XXXX XXXX XXXX In XXXX, TN, XXXX, has been calling me. I searched the number and company, and found that there have been 10 complaints filed against them with the XXXX XXXX XXXX, 7 of which have been in the last 12 months. I am not sure at this point if they re actually am legitimate business or a scam. So I proceeded with caution when I returned the first call. The person who answered asked if I was the person they were trying to reach. I refused to say yes or no because I thought they might be trying to get me to do so in order to record it and use it, and I told her so. So we got no farther. I told her to stop calling the number or I would report them to the Federal Trade Commission, which I have done. Her response? " That doesn't work on debt collectors, ma'am. '' I have continued to receive calls from them despite telling them not to call me anymore. They continue to use the telephone service to harass me. The most recent call was on XX/XX/18 from XXXX, who gave her extension as XXXX.