davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (CA)

Avant Credit Card company called me on Sunday, XX/XX/XXXX for possible fraudulent transactions on my credit card. The representative went over the transactions dated XX/XX/XXXX and I reported those transactions as fraud. My card was subsequently cancelled to restrict further use and supposedly a fraud claim was started for the fraudulent transactions ( or so I was told ). I was also given Avant 's phone numbers to call back to inquire about the fraud claims that were filed. 

On Tuesday, XX/XX/XXXX, I called Avant XXXX on XXXX. I spoke with a different agent and he went over all the transactions on my current statement, including approved and denied transactions on XX/XX/XXXX and XX/XX/XXXX. I told him that no transactions made on XX/XX/XXXX and XX/XX/XXXX were made by me. He then told me he had to transfer me to a different department to help with these fraudulent transactions. I then waited more than XXXX hour and gave up as the wait was ridiculous and it was already close to XXXX XXXX Time . My total time on the phone was XXXX hr and XXXX minutes and I was unable to speak with the correct representative. 

Today, Wednesday, XX/XX/XXXX, I called Avant XXXX again this time at XXXX starting at XXXX XXXX Time. I am still trying to reach the fraud department and I have been on hold for XXXX hr and 47 minutes as I write this complaint. 

Also, how do transactions continue to be attempted on my card if the card itself was cancelled on XX/XX/XXXX? And how does a credit card company leave a customer on hold for more than XXXX hr at a time without talking to a representative? 

I am trying to meet the deadline for reporting fraudulent activity on my credit card so I am not held liable for these charges. It seems that Avant is preventing me from meeting those deadlines and is not forthcoming, nor is doing the things they said they would, such as cancelling my card on XX/XX/XXXX as the representative had stated that day.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (VA)

15 U.S.C 1602 ( g ) there is no valid proof of the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. XXXX removed credit transaction ( XXXX ) from my consumer report but left a furnished account that says below : ( XXXX XXXX XXXX ) The remaining credit reporting agencies have not removed this account from my consumer report.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21  times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX a unauthorized transaction of XXXX was made to my account I called my bank and filed a claim and was told funds would be credited to my account in 1-3 business days its been 7 days instead of giving me credit to a 5 year customer and as they said over the phone they refuse to give me the credit until the case is closed I do not think it is fair for me to wait for a transaction I didnt authorize when I have been loyal for so long
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Evergreen Recovery Solutions, LLC (OH)

AFFIDAVIT : VERIFICATION OF DEBT 1. That I have the requisite knowledge of the facts regarding [ name of bank ] Account Number ENHANCED RECOVERY # XXXX including the credit card agreement, account ledgers, and bookkeeping entries ; is my experience that ENHANCED RECOVERY does not follow Generally Accepted Accounting Principles ( GAAP ) or the Federal Reserve Banks policies and procedures, and did not create credits from the Contract holder signed receipts, promises to pay, notes, or other instruments ; all material facts and terms and conditions regarding the alleged account, have been disclosed to the contract holder in the purchase agreement and promissory note. I request real proof that ENHANCED RECOVERY is the legit holder of a contract that can enforce a claim upon my person. 
.
Consumer complaint received 2015-12-31
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Finance of America Mortgage LLC (FL)

New company purchased my loan on XX/XX/XXXX. Contacted new company finance of America mortgages XX/XX/XXXX they informed me that my first payment is due on XX/XX/XXXX. XX/XX/XXXX I received a bill for both XX/XX/XXXX and XX/XX/XXXX. spoke to them on XX/XX/XXXX. Was told nothing can be done not their fault they gave bad information. I 've never missed a payment before on the loan and upset because I used the money to pay other bills and will very difficult to make two payments at once
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (IN)

My wife and I applied for a XXXX loan with Amerisave mortgage on XX/XX/2015. We supplied them with all the information they asked for in a timely manner and paid XXXX $ for an appraisal of the property. Everything was fine untill the rate we locked in at ( XXXX ) went up a quarter point. Then the circus started. They have asked for countless documents which we have supplied and as of XX/XX/2015 they are still asking for more. Seems they are going out of their way to discourage us from wanting to go thru with this loan. Believe me if I could get this rate elsewhere I would not be writing this and would have gone to another institution. Heres the real kicker. Our credit score is XXXX credit report shows perfect payment history on all loans. Show XXXX in CASH, XXXX in IRAs. They have 3 years of tax records with all schedules, all bank account records sinse XXXX of 2015 and we still are getting a run around. I saved all the emails of all the hoops that they put us thru because to expain it all in detail in this forum would take days.
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX FL XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXXXXXX XXXX -These personal information are need to be corrected. 

Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX PA ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX PA ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX XXXXXXXX XXXX and according to XXXX XXXX XXXX, you MUST delete this immediately. 


EQUIFAX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX XXXX XXXX and according to XXXX XXXX XXXX, you MUST delete this immediately. 

XXXX XXXX XXXX Also known as : XXXX, XXXX Current Address : XXXX XXXX XXXX  XXXX, PA XXXX XXXX/XXXX Previous Address : XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Employers : XXXX XXXX XXXX XXXX -These personal information are need to be corrected. 

Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  PA ) XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} Date Opened : XX/XX/XXXX -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX XXXXXXXX XXXX and according to XXXX  XXXX XXXX, you MUST delete this immediately.
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-14
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I was told I'd have to wait 180 days to receive the funds left in my wallet after numerous phone calls trying to figure out the reason for the restriction to no avail. Today I looked at my PayPal and see that they removed my entire balance without any notice, My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-07-06
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi Im XXXX XXXX my Last 4 SSN # is XXXX. I am just trying to make a follow up on the letter that I sent to you on XX/XX/2022, I was expecting to get a response but I havent. I am attaching a copy of the letter that I sent to you last time hoping you would take action and investigate this issues on my report.
Consumer complaint received 2018-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Company involved is Shellpoint Mortgage Servicing. 

I submitted a previous complaint XXXX on XX/XX/2018. 

My concern is that this case was closed, because the company responded to my above complaint, and the case was closed on XX/XX/2018. The response that was provided by Shellpoint Mortgage Servicing originally has now been changed and I was not informed until today, XX/XX/2018. 

When I originally asked to be put back on a repayment plan, I was told that it wouldn't be possible and that If I wanted to keep my home I would need to pay {$15000.00} before the foreclosure sale date of XX/XX/2018. 

It wasn't until I filed my complaint that they were willing to work with me, and XXXX put me on another repayment plan to pay off the {$15000.00} that was past due. 

I asked XXXX XXXX, my point of contact in the loss mitigation department and several other rep 's in that department what would be my monthly repayments, and I was told that they did not have the current figures because they needed to get the total cost of the attorney fees and appraisal fees, and it would take up to 7 business days, and once the figures were all calculated, XXXX would contact me with the payment breakdown. This process started between XX/XX/XXXX and XX/XX/2018. 

When I called and a week later to spoke with XXXX to see if they had the repayment figures worked out I was informed that she did. I had to make an initial down payment of {$8200.00} on XX/XX/2018 ( pymt made ), second payment of {$3100.00} was to be paid by XX/XX/2018, and 5 subsequent payments of {$3100.00} to be paid over a 5 month period to satisfy my repayment plan. 

Here it is XX/XX/2018, I receive a call from XXXX stating that my payment plan that was originally agreed upon based on their calculations has now increased because they did not include {$180.00} ( late fee ), {$2300.00} ( legal fee ), and {$1100.00} ( other fees ) to which she could not explain what the " other fees '' were. And this is already after I made my payment of {$8200.00}. 

How is this helping someone to keep their home??? It's more like a SCAM to get me out of it. This is not the first time this company has done this to me ... it first started with the modification that turned into a repayment plan. 

How is this even ethical or moral? The whole purpose of them having me wait from XX/XX/XXXX-XX/XX/XXXX, was so that they could calculate the cost. This should be against the law.. they need to be investigated by the CA Attorney General 's office due to their immoral and predatory practices ; not to mention the laundry list of consumer complaints against them. 

Now I wonder if they even stopped the foreclosure process/sale date. 

I want an audit!
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: King of Credit Financial, Inc (CA)

i want delete from my account i have no job ive struggle to pay all my bills and had kid to support i want have a car i can take my kid out i want to have bond with him and i want get better for myslef being father to him .... the company name of the king of credit finacial {$7800.00} report was on XX/XX/2022 XXXX
Consumer complaint received 2022-07-06
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously