davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Paramount GR Holdings, LLC (TX)

XXXX, XX/XX/2023 Dear Sir/ Madam ; I am XXXX XXXX would like to seek to resolve a fraudulent loan thru your office. 

As the matter of fact, on XX/XX/2023 person name XXXX ( ( XXXX ) called and asked if I interested about the XXXX XXXX XXXX by state of Texas and if I did there was a man name XXXX ( XXXX ) would see me within 1hr at my house. After we met and exchanged some necessary information XXXX he said in order to fulfill the application he needs my fully personal information for verification of my background, credibility, income... .etc. and if the application got approved then the employee of city of XXXX would come for checking whether or not my property meet standard code of conduct safety and the processing would take up to a week. 

However, on the date of XX/XX/2023 I got a text message from XXXXXXXX XXXX XXXX for XXXX XXXX ( as XXXX  # XXXX ) and I was told by XXXX 's represent to call Goodleap LLC to find out the new inquiry and I had tried to contact Goodleap LLC ( as XXXX  # XXXX ) from time to time I finally spoke with XXXX XXXX XXXX, manager of the underwrite department, then find out that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX had fraudulently created a fraud email as XXXX and phone number as XXXX ( as XXXX  # XXXX ) along with my personal information to applying for a loan of {$93000.00} with 8.49 % interest for 25 years and that amount of such loan had already issued to the XXXX and she told me to find out the physical address of the applicant on website as I requested her meanwhile the investigation will be on her behalf and we should keep in touch with her personal cell phone and her email as XXXX for further information. And on XX/XX/2023 I drove to the office of Secretary of State of Taxes to get help with dispute and was told by XXXX XXXX XXXX XXXX XXXX # XXXX ), personnel of the office that I would submit as much as information about the Scam and mail to SOS of Texas including the money order of {$30.00} for the fee and my complaint would be sent to Federal Trade Commision ( as XXXX  # XXXX ), since that issue came out I have tried to contact XXXX by call and text thru his cell phone number to express my anger over the dishonest business and demanded that fraudulent loan must have been resolved and returned to Goodleap in the soonest time and XXXX assured that he would submit to his company ( as XXXX  # XXXX ... XXXX ) but my demand to no avail till XX/XX/2023 I received a mail indicating my first payment ( as XXXX  # XXXX ) will begin on XX/XX/2023. As of this issue, I seek help through Consumer Financial Protection Bureau ( as XXXX  # XXXX ) in hope to clear off the loan that i did not apply for. 

I am enclosing all information as a proof to you for consideration. 

Very Sincerely. 

XXXX XXXX
Consumer complaint received 2023-03-22
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. (IL)

I requested the credit bureaus to verify the information given on each credit card that was being reported on my credit report, they were not able to verify it but is still showing on my credit report.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

On XXXX, XXXX XXXX Chase Home Finance LLC reported to XXXX  that my Home Equity Line of Credit balance was changed from {$25000.00} to {$0.00}. Though this balance was updated in XX/XX/XXXX the report states that it was updated XX/XX/XXXX. This account had been Charged off XX/XX/XXXX and is now reporting Charged off XX/XX/XXXX. 

On XX/XX/XXXX Chase reported to XXXX  a balance of {$0.00} and that the account was ( Charged off / {$25000.00} written off ) with a status date of XX/XX/XXXX On XX/XX/XXXX Chase Reported to XXXX  a balance of {$25000.00} account with charged off status and Date Closed XX/XX/XXXX On XX/XX/XXXX Chase reported to XXXX  a balance of {$25000.00} and charged off account status. On XX/XX/XXXX Chase reported to XXXX  a balance of {$0.00}. 

When Chase update the report to XXXX  XX/XX/XXXX they updated the balance to {$0.00} they also deleted the date the account was closed. The date closed was reporting XX/XX/XXXX. Now the XXXX  Credit Report is being seen by XXXX  and creditors as being open with a charge off date of XX/XX/XXXX. Though this was charged off XX/XX/XXXX. This also caused my XXXX Score to drop significantly. 

These actions coincided with me applying for a mortgage preapproval XX/XX/XXXX. 

I contacted Chase about this account and told them the account was reporting as open and a newer charge off date of XX/XX/XXXX they said that it is being reported correctly across the reporting agencies. They told me the information must be misinterpreted by a lender if they think the account is open since the account has a charge off status and no payment since XX/XX/XXXX. 

My issue with this explanation is they are aware that the information being reported will be misinterpreted as incorrect. Also with a date of status of XX/XX/XXXX for chargeoff how would any one know that it was actually charged off in XXXX. 

I disputed with transunion about the issue with the date closed being removed along with documentation of the incorrect date being reported for Charge Off Status and they responded that they verified it belongs to me. This leads me to believe that they did not investigate since I never disputed that it wasn't mine. 

My complaint is with XXXX and Chase Home Finance incorrectly reporting. XXXX  and XXXX are not an issue.
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-04-13
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. (NV)

XXXX  is reporting data on my credit report that is simply not true, I have been a victim of id theft thanks to a data breach by another major credit bureau, Equifax is also reporting data that is false
Consumer complaint received 2019-09-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc. (LA)

Sometime in XX/XX/2019, I called the clerk at the Advance America store located in XXXX, LA and informed her that I would be in that week to make the late payment on my loan and not to deposit the check. The next day, she deposited the check. I called the manager, XXXX to inform her of how furious I was that they did this and she apologized for that error. She told me that it should have never happened. 

On XX/XX/19, I paid {$40.00} on my {$250.00} loan and was going to make weekly payments but couldnt. On XX/XX/19, my {$250.00} check was redeposited over five times per my bank. A few times were returned NSF. No one mailed me to inform me that my check would be redeposited which was fraudulently done because I made payments. I did not owe them the full amount. As such, it shows that my payments were never applied to my account and they stole money from me. I have the receipt.
Consumer complaint received 2018-11-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EZCORP, INC. (OH)

I was contacted yesterday ( XX/XX/XXXX ) by XXXX XXXX XXXX  from phone number XXXX. I did not answer my phone and a voice mail was left. It was a prerecorded message stating it was XXXX XXXX XXXX  calling about a personal matter for XXXX XXXX ( me ) I needed to return their phone call or have my attorney contact them immediately at phone number XXXX. I called the number back and a Mr. XXXX XXXX answered the phone. He already knew who I was based on my phone number ( so he stated ). He asked if I was XXXX XXXX and I stated yes. He stated he was calling about an XXXX online payday loan I had taken out in XXXX and my case was currently in the legal processing department where they were getting ready to file a legal judgement against me for none payment. He asked if I had taken out the loan, and I responded I have no idea it was 4 years ago, but I do not recall ever taken out an online payday loan. He then proceeded to tell me I had 90 days to bring the account current or I would face legal action. I told him I was driving and could not provide my account infromation. I would have to call him when I got settled. He aggreed and said this was fine. I then began to research the phone numbers and found other complaints online about phone # XXXX. I then began to research the company XXXX. I found it was owned and opperated out of Texas by a parent copany named EZCOPR whom the CFpB had taken action against in XXXX and the company was ordered to repay thouasnds of consumers and stop any and all colleciton activity including 3rd pary debt collection. I then began to research the collection company XXXX XXXX XXXX and the only company I was able to find being " dept collector '' was XXXX XXXX XXXX out of XXXX, MO. I contacted the company using the number listed ( XXXX ). I spoke to a man claiming to be the owner XXXX XXXX XXXX. The individual stated he had recieved several calls over the past month from individuals who had been contacted by XXXX XXXX of XXXX XXXX XXXX and he had no one working there by that name. He stated he even recived a letter from the Missouri Attorney General about unfair debt practices. He stated he runs a repo company and that is the only debt collection he condcuts. He appoligized to me. 

Over the course of the night I recived robo calls from XXXX XXXX XXXX from the following numbers leaving voice mails from either XXXX XXXX or the automated system stating they needed to discuss an important matter with me. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

For several years I have been paying 53 Bank an additional amount of money XXXX {$200.00} or more ) over the interest amount on my home equity loan. Since XX/XX/2019 I have been paying an extra {$400.00} in addition to the interest payment on my XXXX Bank home equity principal. The interest rate has been XXXX percentage since XX/XX/2019. Although I am paying on the principal, the interest on this loan does not appear to be going down. I called 53 Bank today, XX/XX/2019, to inquiry why the interest being charged on the home equity loan is not going down, but keep increasing. XXXX Bank response was that the interest amount they are charging me is based on a certain amount that they charge per day. The amount that they are charging me for interest does not appear to be based on my principal balance, which should make the interest lower and more money going toward my principal. I feel that 53 Bank maybe charging me more interest than they should on this loan. They have probably been doing this for a long time, because I used to complaint to them about the same thing with my home mortgage which I have paid off.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IL)

On XX/XX/XXXX we contacted PNC Bank regarding a payoff on our mortgage. We were told XX/XX/10 days. I was on the phone with them for 2 and a half hours and finally they hung up on me or they said we were disconnected. We just need a payoff. My attorney has called 2 times and the new mortgage company has called so many times we don ; t know what to do anymore. The longer we wait the higher the interest rate is going to be. We need some help.We went into the branch bank near us and met 2 really nice girls who went out of there way to help us out and when they called the main branch in Ohio, they were put on hold and transferred around so many times they hung up and they work with PNC Bank. Please help me out.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (SC)

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 [ specific details such as incorrect name, address, Social Security number, etc. ]. 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.
Consumer complaint received 2023-03-22
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 am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Experian has placed a fraud alert on my credit file that I did not authorize or request. I want this fraud alert and statement removed from my credit file immediately. XXXX XXXX XXXX  denied my application due to fraud alert being listed on my credit file. This is totally unfair and I want this inquiry removed due to Experian placing a fraud alert that I did not request thanks.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect (IL)

I disputed an Americollect account that is reporting medical debt in XX/XX/2018 with XXXX and XXXX. XXXX  and XXXX responded that the debt is verified as mine. The debt collector has not sent me notice that it was going to report to credit reporting agencies. The amount in question is {$1000.00} from a hospital. At the time that they are reporting debt I had insurance coverage through Medicaid for % 100 of hospital services. I had given the hospital my insurance information any time I had visited either the hospital or the physician that belongs to the same medial group. The only time I have had issue with billing is with the hospital. The hospital has not sent me an itemized bill or the reason insurance may not have paid for services on this account.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Late Dates XXXX
Consumer complaint received 2020-12-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (GA)

I always try to shop and sell online using Paypal. I found it to be most secure. I sold a product, the person received the product, and sent me a payment for it. Paypal decided to " hold the funds '' this has been going on for 3 days. I have contacted the recipient, and was told that they don't even have the option to click the " verify transaction '' button so that my funds can be released. Paypal charges fees for all transactions not sent to family and friends. They took their fee out, but I still have no access to my funds. If the money is " on hold '' why would they get paid for the service and I don't. The recipient has the product, Paypal has their payment, but I don't have my funds. I have tried to call Paypal for 2 days and the line hangs up after telling me they can't take my call. So what am I supposed to do when my bills are due and this billion dollar corporation is holding my funds, but won't answer my calls?
Consumer complaint received 2019-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (VA)

I have a mortgage with M & T bank that contains mortgage insurance ( PMI ). My LTV is at 79 % and M & T states that they wont remove PMI from my mortgage until LTV reaches 75 %. 

The 79 % LTV is confirmed by their own appraiser. Ive never missed a payment or broken any terms of the loan. 

The law from what I understand is that PMI can be removed from the mortgage at 80 % LTV and automatically falls off at 78 %.
Consumer complaint received 2022-06-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2018-11-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Overton, Russell, Doerr and Donovan, LLP (FL)

I contact the credit collection agency, and told them I never received 1 phone call or a letter from them. I had no idea that I had an unpaid debt. They stated they mailed a letter to my old address, then to much current address. I told them that was false because I never received anything from them. They even verified my address and phone #. So they never bothered to contact me. They said it was a debt back from XX/XX/2018 which would still be false because if they had a bad debt to collect, then it would have to be something that wasn't paid for at least 30 days which would date back into XX/XX/2018. For which I shouldn't have had anything past due at that time. So the medical center is to blame for sending me to collections for something that I wasn't past due on. Debt amount was {$65.00}. I paid them with my credit card on XX/XX/18. I found out about this being reported to my credit through XXXX XXXX. If I would have been notified I would have immediately paid it before it was put on my credit report. 
Collection agency is : Overton , Russell , Doerr and Donovan , LLP XXXX. XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-11
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX reporting Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A, States I have a 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 instruction.