davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My credit report contains many errors. 
I request your investigation of the following " personal information ''. 
Please see the attached photo copy of my drivers license for your reference. 
For the record : 1. My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY as they are not accurate! 
2. My current address is : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX Please remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( 10 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Consumer complaint received 2019-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Receivables Group, Inc. (NC)

On XX/XX/2018 I contacted Health Receivables Group. I wanted to pay a XXXX medical debt on my XXXX credit report. When I contacted them, they also stated, there was another bill in their office for XXXX. So I paid both of these. They also had more medical bills from when I became XXXX, so I made payment arrangements of XXXX a month to come out of my XXXX every month. I contacted XXXX and asked them why this was on my credit report still and they stated I needed to file a dispute. The dispute came back I still owed the XXXX even though I paid it. So I called Healthcare Receivables Group up and they said they never said that. I filed two more disputes and they it came back I still owed that amount. I am enclosing the credit charge to show that I paid that. The payment in the photo attachment is shown under HRG. And it should be removed. I am also stating if I am paying XXXX a month on the bills owed, they should be showing up on my credit report for the other medical bills on my credit report. But, they are not reporting the amounts on my credit report that I am paying like the other collection agencies and this directly affects my credit report which I am trying to clean up even on a small limited income.
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (HI)

The person i spoke to on the phone was a female, and i told her i had never used there services and never herd of them until i received a collection notice from them. i asked the amount that i supposedly owed, she stated {$740.00} dollars, and i said for WHAT, what was this service for, she would not tell me, i asked her the address it was billed to and where, what State, house, apartment, and the address, she said she could not give out that information, and again i told her i had NEVER used there services and never herd of them, she just told me that i owed them {$740.00} dollars. this was back in XX/XX/2018, I also told the credit Bureau to be aware of them, they were trying to rip me off for XXXX that i didn't owe, and it went on my credit report anyway. I have lived in hawaii for 28yrs. that's the only address i will be billed to. XXXX.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am looking to update date my credit report the proper way and correct a few errors I have found. First up I do not live at nor have I ever lived at the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX ( NO SUCH ADDRESS ), XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX.
Consumer complaint received 2022-01-28
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. (TX)

I Sent out multiple letters to XXXX due to a unknown account on my credit report XXXXXXXX # # # # # # # # and was ignored by XXXXX on XX-XX-XX and XX-XX-XX
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (SC)

I have had a Paypak account for several years. In XXXX I changed the phone number of the account. They would not. update the log in phone number after several written and verbal requests. In mid XXXX my phone was stolen, so I purchased a new phone and used a new number. 
When I attempted to contact Paypal is would not let me log in as I did not have access to the old phone, which is where the verification code was being sent. 
I contacted Paypal via phone. At first I was told there was nothing that could be done as his department did not have authorization to change phone numbers in the system. 

I contacted a second time and the man was able to update my phone number, but I still could not access my account of the monies in it. He told me to add a new account. 

After adding the new account I called customer service again to request the funds be transferred from the old account to the new one. I was informed that was not allowed in their system.

I tried calling 2 more times with the same response. 

I recalled the department manager and was told they did not have access or authorization or access to transfer funds. 
When I asked how I could access my funds, the response was you can't. I asked if there was someone else I could speak with and was told he had no one to transfer me to that would be able to help. 

To date I do not have access to my old account and the money that has been paid into it is still unavailable. in is still unavailable.
Consumer complaint received 2023-07-01
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: OneMain Finance Corporation (TX)

Im writing this complaint regarding some late payment I received in XXXX of XXXX. In XXXX, I lost my job due to my current company having to lay a lot of people off to recover from all the losses that were taken during Covid-19. I have been a long-term faithful customer of One Main since XXXX and have never missed a payment. I sent a good will letter on XX/XX/XXXX, asking One Main to remove the late payment and the company sent me a generated letter advising me that it couldnt be removed. I feel as if the company is discriminating and not investigating the full details of my account. Everyone didnt lose their job during the peak of Covid-19. Some people were fortunate to maintain employment. During the peak of the pandemic, all companies offered customers all kinds of different support to help avoid late payments or loss of their homes, cars, etc. A lot of people were using the pandemic to abuse their creditors, unemployment, and state government funds. People like me who maintained their employment still made on times to all my creditors but once my job laid me off due to Covid-19, it seems as if none of the relationships I built with all my creditors cared to help me and it hurts to know that the relationship isnt valued. If a customer who has never paid their account late in years starts missing payments, the company should know something is really wrong and offer help. I would like someone to really investigate the issue of the late payment I received and remove the only late payment I have ever received from my credit reports. This late payment is destroying my credit worthiness.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is damaging my creditworthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation.

According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing peoples information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I am requesting the removal of the FRAUD ALERT FROM MY CREDIT REPORT. THE NUMBER ON MY CREDIT PROFILE IS NOT CORRECT XXXX THAT NUMBER IS NO LONG AVAILIABLE. PLEASE UPDATE MY NUMBER TO XXXX.
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

This company has the WORST customer service reviews I have EVER seen! I have called and emailed several times with NO response. HORRIBLE! I have tried several phone calls and messages to NO avail. Your company has the worst customer service ratings I have seen online! You bought my mortgage from XXXX and increased my payment {$300.00}!!!! I have tax records and insurance records that show NO such increase is valid therefore continue to pay the same monthly payment. No one has responded to letters, emails, phone calls or online chats for the increase!
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

I had a Best Buy card serviced by CitiBank. I had purchases which were eligible for zero interest if paid within a certain amount of time. At the time of purchase, I assessed the amount and divided the total into payments so that I could have the balance paid off prior to the interest incurring on the account. I paid $ XXXX month rather than the minimum charge in order to pay off the account before the interest would be charge. I set up automatic bill pay so the funds were taken from my bank account each month. In the meantime, my credit was compromised and I was locked out of many of my accounts online. This wasn't a problem to me because I had the bill on auto pay so I really didn't need to access the account. 
In XXXX, I realized I had been paying this bill for a very long time, and wanted to see why it seemed to never go down. I called the number on the back of my card to speak with a representative. The person told me that the interest free promotion had ended in XXXX. There was a small amount left on the balance at that time, so the interest was charged retroactive to the initial charge amounting to over {$900.00} on a {$2500.00} original purchase. I never received a letter to this effect, an email, a phone call, nothing. I asked for the charges to be removed, but I was told that if I had called by XXXX, they would be able to remove the charges, but I had passed my 60 day grace period and they could not remove the charges. I have offered to pay whatever actual principal charges are on the account, but I am refusing to pay the interest. I realize I should have been more mindful of when the promotion ended, but I thought I had calculated correctly. I have attempted to rectify this issue, but CitiBank will not budge. I'd like to pay the account balance and in light of my payment history, I do not believe I should have to pay this interest since I had no notification.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

Quicken Loans was incredibly responsive and aggressive to get our business for our loan refinance. Our payoff on our existing mortgage was {$230000.00}. I had numerous discussions with the loan officer explaining to him that we were not interested in paying discount points or rolling the cost of the prepaids or escrow balances into the loan. The only thing we wanted in the loan was the actual closing costs we were going to pay. 

The loan officer emails me a screen shot of a rate that beat the other competitors, and showed a loan amount of {$230000.00} - {$1100.00} above our payoff. I asked him to confirm that I was reading things correctly - {$1100.00} in closing costs - and he did so. 

We applied for the mortgage refi on XX/XX/XXXX, paid our {$500.00} good faith deposit, and were fully approved by XX/XX/XXXX. Since then, I've called numerous times to check on the loan, and was told they were having difficulty securing an accurate payoff from our servicer. On XX/XX/XXXX, I called our servicer and was told the payoff had been sent to Quicken repeatedly, including most recently to a specific email address. They also sent me the payoff, which I later had to forward to quicken to get the loan proceeding toward closing. 

I finally get a call from Quicken on Friday, XX/XX/XXXX to outline our closing estimate. Our closing costs were going to total {$5800.00}, not {$1100.00}. Their complaints department escalated the matter, but were unwilling to adjust the closing costs to what was originally promised. 

I have requested my {$500.00} refunded and have been told they have to review all communications before they're able to consider refunding my deposit as it goes toward paying their costs on the loan, like an appraisal, that have already been spent. It's called a GOOD FAITH deposit. I expected them to operate in good faith just as much as they expected me to operate in good faith. Instead, I get a bait and switch.
Consumer complaint received 2017-08-25
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. (IL)

There is currently an account on my CREDIT REPORT that is in COLLECTION that I have never opened. It is from XXXX XXXX. 

The amount is {$1800.00} as of XX/XX/XXXX. The credit report states that the account was opened on XX/XX/XXXX. This is the first action I am taking against this account that looks to have been fraudulently opened without my consent.
Consumer complaint received 2024-03-10
Product: Credit reporting 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. (FL)

I pulled a copy of my credit report and noticed a fraudulent account. 



XXXX XXXXXXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX. | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft.
Consumer complaint received 2022-01-28
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (CA)

I had a payment plan through Affirm with the merchant XXXX XXXX. The loan was supposed to be adjusted due to a return I made to the merchant. I notified Affirm that I contacted XXXX XXXX in regards to getting the loan adjusted. XXXX XXXX was unresponsive for about a month. 

I solely paid all XXXX payments on time, so that my credit would not get effected. I then issued a charge back with my bank for the last payment on the loan for the amount of {$150.00}. That was the amount that needed to be taken off of the loan in regards to the return I made. In Affirm 's system it shows that I did not make the last payment. I was only intending to be properly compensated. I have an email confirmation confirming the last payment being made for this loan. 

XXXX XXXX reached out to me issuing the refund back and when I went to pay the last payment once more there was not an option to do so via the Affirm App. The loan showed that it was all squared away on the App. I then received an email about a late payment again and I paid the final payment.

I will attach supporting screenshots of emails with dates to help identify in a timely manner.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony abruptly closed my Amazon XXXX store card in XX/XX/2020 after years of use. I received a letter dated XX/XX/2020 indicating account closure was due to " activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay ''. In all the years I have had the account, there was not a single missed, delayed, or partial payment. The account was paid in full every single time. 

I suspect the real reason Synchrony wanted to close my account was that I have accumulated {$1400.00} in rewards, which Synchrony declined to payout since THEY closed my account. This is completely unethical right in the middle of COVID they start to close people 's accounts because they are unable to pay out the rewards promised.
Consumer complaint received 2022-09-28
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXXXXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00}
Consumer complaint received 2022-01-28
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-07-08
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: RICHLAND HOLDINGS, INC. (NV)

ACCTCORP OF SOUTHERN keep reporting me as owing funds to the XXXX XXXX  XXXX which the prior manager took and was fired. I have already reported this over and over. that funds were paid to the prior manager who was fired.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

Under the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
US DEPT. OF EDUCATION/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.