davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
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: Experian Information Solutions Inc. (TX)

Experian has been double charging both my mothers account and mine on my XXXX  XXXX for a membership. I didnt authorize this and want all previous charges refunded back on my account.
Consumer complaint received 2019-07-19
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: EQUIFAX, INC. (HI)

I had a divorce and my husband kept the home because it was in his name.. he was given XXXX of the money from a savings to cover back payment and the mortgage was assigned to him.. he filed bankruptcy but they are still reporting it as my account
Consumer complaint received 2019-07-19
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. (AZ)

There are a few inquiries on my credit report besides the accounts that I have that I do not recognize. These inquiries appear to have between XX/XX/2019 and XX/XX/2019. I would like these inquiries removed from my credit report because I did not apply for credit from these companies during that period of time.
Consumer complaint received 2018-05-18
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)

Submitted dispute to Equifax regarding a hard credit inquiry I did not authorize from XXXX XXXX XXXX on XX/XX/2018. Dispute confirmation # XXXX. I did not provide any social security number or signature to XXXX XXXX XXXX, and was informed by company in-store associate that there was no credit check. Spoke with associate at XXXX XXXX XXXX Customer service hotline on XX/XX/2018 and was ensured that the inquiry would be removed. Equifax did not verify any social security number, or signature to any paperwork- because no signature or social security number was provided.
Consumer complaint received 2019-07-18
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. (CA)

I have 18 unauthorize Hard inquiries on my Transunion, XXXX and Transunion that hasn't been deleted. 
I didn't give no authorization or Consent to no other financial institutions pull my credit. 
I only authorize XXXX XXXX XXXX of XXXX, Texas to pull my credit on XX/XX/2019 as I am going through a VA Loan and home purchase in XXXX, Texas. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , XXXX , XXXX.XXXX . XXXX Also, Transunion and XXXX hasn't updated my credit report and refuses to add my XXXX XXXX Tradeline account. 

One last thing XXXX, Transunion and XXXX hasn't remove the Derogatory Remarks of late payments of 30-59-60-90 days for XXXX and XX/XX/2019. Many Federal Government complaints was filed..XXXX XXXX XXXX XXXX acccount XXXX XXXX ... .I have provide evidence to XXXX and Federal Government on no late payments. 

Derogatory Remarks on my credit report is restricting me in obtaining a VA Loan for a home purchase in XXXX, Texas. 
Credit scores are not accurate and updated. 
I am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX. 

Very Urgent Matters!
Consumer complaint received 2019-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have repeatedly asked lvnv funding send me a debt validation letter proving I owe them money I told them I want to see a sign contract stating I owe any amount of money they have not provided one but yet they are still on my credit report
Consumer complaint received 2019-07-18
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. (CA)

I have sent out numerous letters to XXXX and Experian to verify this debt and they are unable to provide a contract with my signature on it. 

I have requested 6 times to remove this unverified this information, but they are unable to provide this. I'm not sure what to do. 

This account has been opened in XX/XX/2014 and still reporting as faliure to pay, how is it a charge off account that keeps reporting as faliure to pay?
Consumer complaint received 2019-07-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Center, LLC (CT)

Credit Center Inc. based in XXXX Connecticut has placed two {$250.00} claims on my credit report without contacting me to request payment. Both claims are on behalf of XXXX XXXX XXXX XXXX. I contacted both companies but have not received a response to my inquiry.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (OH)

I deposited a business check to the bank. It was for a job I applied for on XXXX. They had me buy money orders and then send them to other places. Apparently the check was fake because it bounced back and I had to pay the money back. The bank blocked my from my account. Now I cant access it even though I paid the money back.
Consumer complaint received 2019-07-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates (NC)

Starting in XXXX, I began receiving numerous random phone calls from a similar area code as my phone with no messages. Finally on XX/XX/XXXX, I caught the call and encountered an aggressive conversation from Prince Parker & Associates, a debt collection firm, about an unpaid medical bill. Unaware of any outstanding debts I asked for additional information, hung up, and called the referenced physician 's office for additional information. At that point I discovered a previous treatment wasn't covered by insurance so there was an outstanding balance of {$590.00} which was immediately paid in full. Despite having email receipt of payment and confirmation from physician office, I continued to receive multiple daily, harassing, aggressive calls from Prince Parker & Associates for payment. I answered a couple calls and explained that I had XXXX balance, digital proof of payment and would like them to stop harassing me. Despite my insistence and XXXX balance, they continue to harass and ask for payment or threaten negative action. Please help.
Consumer complaint received 2019-07-18
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: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-18
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

I recieved a defective motherboard from XXXX, after trying to resolve this with the seller they want me to ship it back to XXXX at more cost to me, more than the original item is even worth. I tried to do a chargeback / dispute with my bank and they say that is not a reason for a charge back which makes no sense, I received an item that doesn't work and not wanting to lose more money I just want a refund of XXXX.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Creditrepair.com, Inc. (NC)

Offered me an agreement for XXXX service for me, then said add my wife and we will give you the XXXX and your wife free if she signs up too. So I did, but they started taking out 2 payments of XXXX, in XX/XX/2019 and my wife never caught it because of health issues and I'm gone on the road ( XX/XX/XXXX ). Tried to talk to them and said that they would only give me XXXX back on the more than 600.00 they took. Can't afford losing that much. Tried to talk to another person a hour after and they said computer was down. This all happened XX/XX/2019.
Consumer complaint received 2018-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I received a phone call at XXXX XXXX  ( XX/XX/18 ) from XXXX XXXX XXXX XXXX. When I called back I was informed that this was a debt collection agency. After speaking with the agent over the phone I was informed i needed to verify who I was so that she would be allowed to speak to me. I reluctantly told her my information to then be told that I don't have a debt. 

My information included - name, address, last 4 of social, birthday ( month, day, year ) -- - at that point she said she was now allowed to tell me what the debt was because it was now verified. 

my concern is that I provided personal information and then was told there was no actual debt in place. 

I called back to the main line ( XXXX ) and they said that had no record of me in the system.
Consumer complaint received 2019-07-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

Upon taking out this loan, Title Max assured me that the interest rate would be 9.99 % to pay back the loan entirely. I was not informed that it would be more than that. I was not given anything to read just asked to sign electronically and XXXX stated she'd reached out to the regional director to get preferred pricing totaling 9.99 %. She spoke very fast and assured me that the overall interest would not exceed 9.99 %. I'd come into hardship after the government shutdown from XXXX of XXXX thru XXXX of XXXX and during that time became aware that none of my payments were applied to the principal and that the interest rate was more than 9.99 %. I'd paid thousands of dollars in interest. That was not what XXXX promised. It has caused further financial hardship to me that to date I've not been able to recover! 

I've worked out an arrangement plan with a manager in corporate resolutions to pay what I can until things get better and WITHOUT my vehicle being in jeopardy of repossession yet each time calling has not been a good experience. Their reps are intentionally refusing my payments. I'm being told they get incentive or monetary value for processing payments received. Low payments affect their incentive. This is not my issue. On XX/XX/XXXX, I made a payment with XXXX and XX/XX/XXXX made a payment with XXXX after XXXX ( a manager )  refused to make herself available to speak to or help me. Worse yet, both times my credit card number was taken, repeated back to me and after disconnecting, I later found out the payments weren't applied. Why'd they take my card number then? Was it safeguarded or shredded? This has to be a violation of my privacy if not. I was provided a confirmation last payment ( XXXX. This business practices are unethical. I'm getting calls repeatedly harassing me that I'd had to ask to be placed on a stop calling list. 

I've just gotten a call from someone telling me that my payments are being reversed because they aren't enough which was unprofessional. This is a scam! It was deceptive for TitleMax to tell me that the rate ( interest + principal ) is 9.99 % and then fail to disclose that it's really over 300 %. I feel that I've been taken advantage of severely. I would not have taken out this loan if indeed I'd known the truth. Please help!
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (TX)

XX/XX/XXXX XXXX Barclays Bank AA Advantage Red card was applied for and approved in my name - ending in XXXX. On XX/XX/XXXX a request was made to add an additional user to the card. 

XXXX received notices on XX/XX/XXXX of a new trade/account was on our credit report by XXXX I have contacted both XXXX and Barclays Bank on the fraudulent activity
Consumer complaint received 2019-07-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (GA)

I purchased a puppy from XXXX XXXX XXXX and they helped me apply for a loan with this company called American First Finance/ XXXX XXXX XXXX XXXX for {$2400.00}. The retailer where I purchased the puppy from did not advise me out the buy out date and the loan company also did not advise me of the buy out date nor the interest rates via print or electronic disclosure. There was no information given to me in print or through electronic disclosure when I signed up for the loan. I attempted to resolve this issue with the loan company and see if they could work something out with me regarding the buy out option because I never received the information from either company they just began drafting the money from my account without disclosing this information. I tried to speak to a manager at the loan company but when I call the call center all they say is that a manager will reach out to me within 2 business days and I have yet to receive a call. I keep getting the run around from American First Finance.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2021 While checking to see if my automatic payment from my checking account post ] ed to my PayPal master credit card, the system stated to me I needed to contact customer. Immediately, I contact my credit card company which Synchrony bank to see what's going on. First representative, stated to me I reported my card lost or stolen. I then replied and stating I never called to report that, my card is here in my hand. I asked to get my call escalated to a supervisor. I spoke to a supervisor, she informed me that the prior rep gave me the wrong information. However, they were informed my account was fraudulent opened and I ask who informed your company that, That's not true. I opened my account and I actually had to fully verify myself by scanning my face and the front and back of my state issued DL prior to getting an approval. She said she's very sorry that I experienced this issue and she will help to get my account verified. She then sent me a link via text where again I had to do the same process as before when I applied a few months ago, scanned my face and front and back of my ID and then give her the code that was sent after. She then, fully verify me and made a note to send to the investigator on the case. She advised me that a new card will be issued and to destroy the one I have in my hand. I asked if I can get a reference number to follow up, she said no there's not one to be given. I asked can I have the investigator 's name and number to follow up with this issue, she said she can't give out that information. She said however, I can call and provide the customer service rep with the last 4 of my card and they can help with any of my concerns. Today, I receive notice from XXXX, XXXX, and XXXX  that my account was closed. Immediately contact customer line to inform them of this and have them to reopen my account. Called over 5 times and no one was able to help or transfer me to the right department. This is a mistake on their behalf, I would like my account to be reopened in good standing and report this account to all reporting credit agencies with the report of my prior payment history. This is a huge inconvenience and their customer service agents sucks.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

I filled bankruptcy and the judge declaired my student loans be discharged. Navient keeps adding back to my report after disputing and removing it. They are also changing to XXXX XXXX to report. I have a full discharge on both companies. Please make them stop placing themselves on my reports. I am working hard to repair my credit and this is becoming a negative experience.
Consumer complaint received 2019-07-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MO)

On several occasions I tried to have Pay Pal resolve issues with some cases I wanted disputed, they never not one time attempted to settle these cases with me, they never let me talk to a member of management, nor did they even let me talk with there so called disputes back office. I have sent several e-mails with proof to back up my dispute cases. I have gave them plenty of time to comply with me but there being non-compliant to this day. My Financial Institution is now going to be drawn into this so they can take a look and take action against Pay Pal. If Pay Pal still refuses to comply with my orders I will take legal action against them. I will also do a follow-up with the California Attorney General as well as following up on my complaint with the FTC. I will continue to call Pay Pal Customer Service everyday there open for business and I will continue to fill there support inboxes. I will NOT let Pay Pal do as they please and take advantage of me, I will fight you tooth and nail till death do you part. I expect you to be an adult and take care of this issue and I DEMAND a member of Management to call me via phone. I will fight for my rights and I'm entitled to fight you till the end.
Consumer complaint received 2019-07-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

ive noticed several unauthorized inquiries on my credit profile section 609 of the fcra states that all inquiries should have written approval of the applicant also section 1681 of the united states code states its illegal to inquire without written authorization these companies are conducting an illegal practice and are subject to suit if these items are not removed immeadiately
Consumer complaint received 2021-07-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lend Smart Mortgage, LLC (AZ)

In XX/XX/2021 my husband and I did a VA XXXX refinance through LendSmart Mortgage. I was advised that LendSmart Mortgage would fund my loan and my loan would then be purchased by an investor and serviced by a mortgage servicing company. On or around XX/XX/2021 I reached out to my loan originator to inquire about my loan and why it had not been transferred to a loan servicer as I still had to mail in my checks to LendSmart. I was advised that the loan was funded prematurely and did not follow VA guidelines and therefore out of compliance and the VA would not insure my loan. I was assured that my loan would brought to compliance and I would have a permanent loan servicer for my VA loan by mid XXXX. I inquired about if the VA wouldn't fund my loan, then I didn't have a VA loan. I was assured that I absolutely have a VA loan, the product I inquired about and signed a contract for, they just have to bring the loan into compliance. On XX/XX/2021 I inquired again about my loan and where I would need to send my payment for XXXX as I still have not received any paperwork regarding a new servicer. I was then contacted on XX/XX/XXXX. 2021 by XXXX XXXX, CFO, and advised that I absolutely do not have a VA loan, since the loan was prematurely funded the VA would not insure or back this loan. I advised that was the product I requested and signed a contract for, however I was not receiving that product. I was then advised that I could refinance again on or after XX/XX/2021 to get that product but would likely be at a larger interest rate than what I currently have. I am now stuck with a mortgage under different rules and regulations than I originally agreed to and my only way to get the product I signed for, is to incur further expenses with another refinance.
Consumer complaint received 2017-07-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

On approximately XXXX-XXXX-2017 I visited Ace Cash Express located at XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, my intent for the visit was to recieve a payday loan. After providing all required documentation, a cash advance of {$200.00} was approved, I understood the funds were provided through third party was given a due date in which the loan should be paid back and left the business. On XXXX-XXXX-2017 I returned to the business named above to pay my loan and borrow it back, once again provided all of the documentation requested by the company and was denied by the CSR, I called the XXXX number provided as well as the third party lender only to hear there was nothing that could be done about the situation. I need answers. I am highly seeking litigation.
Consumer complaint received 2024-03-06
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. (GA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.